The words “low-cost” and “auto insurance” probably shouldn’t be used together, specifically when trying to find the lowest insurance rates for teachers. To help control this cost, let’s introduce you to some situations that impact auto insurance rates, and see if we can help you slash the price of the next policy you buy.
One of the more important factors that are looked at to determine car insurance rates is where you keep your vehicle in Portland. More densely populated places tend to pay more, whereas less populated areas get the luxury of paying less.
The next table lists the priciest cities in Oregon for teachers in which to buy car insurance. Portland is ranked #2 with an annual cost of $1,529 for car insurance, which is around $127 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Gresham | $1,574 |
| 2 | Portland | $1,529 |
| 3 | Woodburn | $1,400 |
| 4 | Oregon City | $1,388 |
| 5 | Hillsboro | $1,380 |
| 6 | Lake Oswego | $1,378 |
| 7 | Beaverton | $1,370 |
| 8 | Newberg | $1,364 |
| 9 | Tigard | $1,362 |
| 10 | Keizer | $1,351 |
| 11 | Aloha | $1,349 |
| 12 | West Linn | $1,348 |
| 13 | Forest Grove | $1,347 |
| 14 | Salem | $1,320 |
| 15 | Tualatin | $1,299 |
| 16 | McMinnville | $1,286 |
| 17 | Redmond | $1,210 |
| 18 | Grants Pass | $1,191 |
| 19 | Bend | $1,188 |
| 20 | Corvallis | $1,178 |
| 21 | Eugene | $1,169 |
| 22 | Roseburg | $1,161 |
| 23 | Springfield | $1,158 |
| 24 | Medford | $1,157 |
| 25 | Albany | $1,153 |
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Annual rates are estimated as the vehicle garaging location can change premium rates greatly.
Comparing quotes for low-cost auto insurance is difficult, and deciding which insurers offer the lowest-priced auto insurance rates for teachers requires additional perseverance.
Each insurer uses their own calculation for setting prices, so let’s take a look at the most budget-friendly auto insurance companies in Portland. It’s important to know that Portland, OR auto insurance rates are influenced by many factors that can increase the cost of your policy. That is why it is so important to shop around with many companies when trying to find affordable insurance rates for teachers. Car insurance prices consist of many factors and can increase or decrease at any time, so the cheapest company the last time you compared rates may now be quite expensive.
Cheapest Insurance Rates for Educators
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Grange | $694 |
| 2 | Oregon Mutual | $844 |
| 3 | Country | $856 |
| 4 | Travelers | $942 |
| 5 | USAA | $979 |
| 6 | State Farm | $1,040 |
| 7 | Amica | $1,137 |
| 8 | GEICO | $1,144 |
| 9 | Allied | $1,167 |
| 10 | California Casualty | $1,182 |
| 11 | Mutual Enumclaw | $1,224 |
| 12 | Progressive | $1,272 |
| 13 | 21st Century | $1,324 |
| 14 | MetLife | $1,340 |
| 15 | American Family | $1,459 |
| 16 | Encompass | $1,574 |
| 17 | Allstate | $1,705 |
| 18 | Farmers | $1,954 |
| 19 | Safeco | $2,150 |
| 20 | Liberty Mutual | $2,508 |
| Get a Custom Quote Go | ||
Grange may offer some of the best car insurance rates in Portland at around $694 each year. This is $784 less than the average premium paid by Oregon drivers of $1,478. Oregon Mutual, Country, Travelers, and USAA would also make the list of some of the more affordable Portland, OR car insurance companies.
As shown above, if you have coverage with USAA and switched to Oregon Mutual, you could see annual savings of approximately $135. Oregon drivers with State Farm might save as much as $196 a year, and Amica customers might lower prices by $293 a year.
Be aware that those premium estimates are averaged for all ages of drivers and types of vehicles and do not take into consideration an exact location for teachers. So the auto insurance company that is best for you may not even be in the list above. That illustrates why you need to compare rates from multiple companies using your own personalized driver profile and vehicle information.
The vehicle model requiring coverage is probably the largest consideration when comparison shopping for low-cost insurance for teachers. Vehicles with lots of horsepower, poor safety ratings, or high incidents of liability claims will cost substantially more to insure than more modest models. The list below illustrates auto insurance rates for a selection of the most cost-effective automobiles to insure in Oregon.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 4WD | $1,470 |
| Ford F-150 XLT Regular Cab 2WD | $1,579 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,612 |
| Dodge Grand Caravan CV | $1,621 |
| Ford Escape XLS 4WD | $1,647 |
| Honda Odyssey EX | $1,669 |
| Ford Fusion S 4-Dr Sedan | $1,702 |
| Chevrolet Malibu LS | $1,708 |
| Honda Accord LX-P 4-Dr Sedan | $1,762 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,786 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,789 |
| Ford Edge Sport AWD | $1,796 |
| Toyota Prius | $1,824 |
| Hyundai Sonata SE 4-Dr Sedan | $1,914 |
| Hyundai Elantra SE Touring Station Wagon | $1,917 |
| GMC Sierra Denali Crew Cab 4WD | $1,944 |
| Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 4WD | $1,954 |
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oregon minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Price information does not factor in vehicle garaging location which can raise or lower premiums considerably.
Based upon the rates shown, you can assume that cars like the Honda CR-V, Ford F-150, Jeep Wrangler, and Dodge Grand Caravan will definitely be some of the more affordable vehicles to insure for teachers and educators.
Poor driving habits will raise your auto insurance rates
The easiest way to maintain the cheapest auto insurance prices in Oregon for teachers and educators is to drive safely and avoid accidents and traffic violations. The chart below illustrates how violations and fender-benders can raise car insurance rates for each age group. Data assumes a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.
In the previous chart, the average cost of an auto insurance policy in Oregon per year with a clean driving record and no accidents is $1,757. Receive two speeding tickets and the average cost surges to $2,502, an increase of $744 each year. Now add in two accidents along with the two speeding tickets and the annual cost of auto insurance for teachers increases to an average of $5,227. That’s an increase of $3,470, or $289 per month, just for a couple of infractions!
Auto insurance company ratings
Finding the highest-rated insurance provider is hard considering how many different companies there are to choose from in Oregon. The rank data listed below could help you select which car insurance companies to look at when comparing auto insurance rates for teachers. These ratings only include companies with a nationwide focus, so companies that may only write in Oregon will not be included in this list.
| 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 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
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Data Source: Insure.com Best Car Insurance Companies
Does full coverage make sense?
Finding the cheapest auto insurance is probably important to most people, and a great way to find cheaper insurance for teachers is to only buy liability insurance. The diagram below illustrates the comparison of insurance premiums when comparing full coverage to liability only. The information is based on no claims or driving citations, $500 deductibles, drivers are single, and no additional discounts are factored in.
If we average all the age groups together, physical damage coverage costs an additional $1,652 per year more than insuring for liability only. A very common question is when is the right time to remove full coverage. There is no written rule to exclude full coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is about 10% or more of replacement cost minus your deductible, then you might want to consider buying only liability coverage.
For example, let’s say your vehicle’s claim settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $4,000 after the deductible is paid. If you are currently paying more than $400 a year to have full coverage, then it could be time to drop full coverage.