Who Has Affordable Auto Insurance Rates for Felons in Portland?

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You have most likely seen the catchy commercials from car insurance companies like Allstate and Liberty Mutual that claim the cheapest rates, so you just need to pick one at random, right?

Unfortunately, it's just not that easy, as there are a ton of unknown aspects like what level of deductibles you need, your credit rating, and if you need full coverage or just liability, that all have an effect on the price. We know insurance is not everyone's favorite topic, but in this article we will cover some of these topics and also should give you a good start in finding the cheapest car insurance in Oregon.

One of the many considerations that determine the cost of insurance is where you live in Portland. More populated areas tend to have more expensive auto insurance rates, whereas areas with less congestion have the luxury of cheap car insurance rates.

The following table sorts the most expensive areas in Oregon for felons in which to buy car insurance. Portland makes the list at #2 costing $1,499 for coverage, which is about $125 monthly.

Car insurance prices in Portland
Rank City Annual Rate
1 Gresham $1,574
2 Portland $1,499
3 Beaverton $1,412
4 Oregon City $1,402
5 Hillsboro $1,380
6 Lake Oswego $1,378
7 Newberg $1,364
8 Forest Grove $1,360
9 Salem $1,360
10 Tualatin $1,352
11 Aloha $1,349
12 Woodburn $1,346
13 McMinnville $1,338
14 Tigard $1,322
15 Keizer $1,311
16 West Linn $1,308
17 Bend $1,224
18 Redmond $1,223
19 Roseburg $1,196
20 Albany $1,177
21 Springfield $1,170
22 Medford $1,169
23 Corvallis $1,167
24 Grants Pass $1,156
25 Eugene $1,123
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Rates are estimated as specific Portland garaging address can impact coverage prices considerably.

Finding reliable, low-cost car insurance is tough enough, and determining which company quotes the most affordable auto insurance rates for felons will take even more rate comparisons. Each company uses their own formula for determining prices, so let's take a look at the most budget-friendly auto insurance companies in Portland, OR.

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Cheapest Oregon car insurance ranked by price
Rank Company Cost Per Year
1 Grange $687
2 Country $831
3 Oregon Mutual $853
4 Travelers $924
5 USAA $979
6 State Farm $1,061
7 GEICO $1,144
8 Allied $1,167
9 Amica $1,171
10 California Casualty $1,182
11 Mutual Enumclaw $1,188
12 Progressive $1,272
13 MetLife $1,327
14 21st Century $1,364
15 American Family $1,474
16 Encompass $1,574
17 Allstate $1,705
18 Farmers $1,954
19 Safeco $2,216
20 Liberty Mutual $2,533
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Grange normally has some of the cheapest car insurance rates in Portland at around $687 a year. This is $791 less than the average rate paid by Oregon drivers of $1,478. Country, Oregon Mutual, Travelers, and USAA also rank well as some of the lowest-priced Portland, OR insurance companies.

In the rate table above, if you have coverage with Travelers and switched to Grange, you might see a yearly price reduction of around $237. Policyholders with USAA might save as much as $292 a year, and State Farm insureds might lower prices by $374 a year.

To see if your current coverage is too expensive, click here to start a quote or click several companies below for low rates.

Remember that these prices are averages for all drivers and vehicles in Oregon and do not factor in an exact location for felons. So the auto insurance company that fits your needs best may not even be in the top 22 companies in the list above. That is why you need to get quotes using your own driver and vehicle profiles.

The make and model of vehicle on the policy is one of the biggest factors when comparison shopping for the most affordable car insurance for felons. Vehicles with reasonable performance levels, good crash test ratings, or a positive history of liability claims will cost quite a bit less to insure than adrenaline junky models.

The next table shows coverage premiums for a selection of the more affordable vehicles to buy coverage for.

Cheapest Vehicles to Insure in Portland, OR
Make and Model Estimated Cost for Full Coverage
Ford Escape XLT 2WD $1,683
Honda CR-V LX 2WD $1,693
Honda Accord EX 4-Dr Sedan $1,683
Toyota RAV4 Limited 4WD $1,735
Dodge Grand Caravan SXT $1,768
Hyundai Elantra GLS Touring Station Wagon $1,801
Toyota Corolla LE $1,826
Chevrolet Malibu LTZ $1,859
Hyundai Sonata GLS 4-Dr Sedan $1,866
GMC Sierra SLT Extended Cab 4WD $1,859
GMC Sierra 3500HD SLT Extended Cab 2WD $1,895
Honda Civic EX-L 4-Dr Sedan $1,917
Jeep Wrangler Sport Islander Package 4WD 2-Dr $1,972
Toyota Camry Hybrid $1,983
Jeep Grand Cherokee Laredo 4WD $1,991
Volkswagen Jetta S 4-Dr Sedan $1,997
Toyota Camry LE $1,991
Toyota Prius $1,999
Ford Explorer Eddie Bauer 4WD $2,029
Dodge Ram 3500 Crew Cab Laramie 2WD $2,034
GMC Sierra 2500HD SLE Crew Cab 2WD $2,073
Ford Edge Sport 2WD $2,095
Honda Odyssey EX-L $2,100
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Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oregon minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Table data does not factor in specific location which can lower or raise prices greatly.

Looking at the rates, we can conclude that models like the Ford Escape, Honda CR-V, and Honda Accord are going to be a few of the cheapest vehicles to insure for felons.

Safe drivers pay cheaper rates

The obvious way to maintain cheap auto insurance prices for felons is to drive attentively and not get tickets or have accidents. The information below illustrates how traffic citations and at-fault claims influence insurance premiums for each age group. The prices are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.

In the chart above, the average cost of auto insurance per year with no accidents and a clean driving record is $1,345. Get written up for one speeding ticket and the average cost increases to $1,517, an increase of $172 each year. Then include two accidents along with the one speeding ticket and the yearly cost of auto insurance for felons goes up to an average of $3,137. That's an increase of $1,792, or $149 per month, just for being a careless driver!

Ending up with the best insurance provider can be difficult considering how many choices drivers have in Oregon. The ranking data shown below can help you decide which coverage providers to look at when shopping insurance around for felons.

These ratings include companies that insure vehicles nationwide, so companies that have a smaller presence are not taken into consideration for this list. If you'd like to compare prices and find cheaper insurance for felons, follow this link.

Best Ten Auto Insurance Companies for Felons in Oregon
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
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Data Source: Insure.com Best Car Insurance Companies

Get discounts on Portland auto insurance rates

Auto insurance for felons in Portland, ORAuto insurance companies that provide coverage for felons may also provide price discounts that can lower rates by as much as 25% or more if you meet specific criteria. Companies and a summarized list of policyholder discounts are outlined below.

The chart below illustrates the comparison of car insurance costs with and without discounts. The costs are based on a male driver, a clean driving record, no at-fault accidents, Oregon state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with safe-driver, homeowner, claim-free, accident-free, multiple vehicle, and defensive driving course discounts applied. When these discounts are applied, the average amount saved each year on auto insurance for felons is 28% or $373.

If you have coverage questions and would like to have some professional guidance when shopping around for cheaper insurance for felons, the agents listed below can most likely provide answers to your questions and help you determine which coverage fits your budget. To find a Portland insurance agent nearest to you, click the link at the bottom or click here to compare price quotes now.

View more Portland, OR insurance agencies

How to find cheaper auto insurance for felons

Below you'll find some thrifty ideas that can help Portland drivers buy cheap coverage.

The last item on the list is remarkably important, as we noted in this article. Prices vary greatly, so drivers shouldn't hesitate to change to a new company if a better deal can be had.

Many consumers stick with the same company and that's fine, but we do not recommend it if that loyalty ends up costing lots of money. If you have a few minutes, now is a great time to compare rates and find cheaper auto insurance for felons in Portland.