Who Has Cheap Auto Insurance Rates for Nurses in Portland?

For health professionals, one of the more important criteria that are looked at to determine the annual cost of car insurance is where your residence is in Portland. Areas with more people or higher crime rates tend to have more expensive car insurance rates, whereas areas with less people or fewer weather incidents profit from lower rates.

The information below shows the most expensive areas in Oregon for nurses to buy car insurance in. Portland ranks #2 costing $1,544 for the average policyholder, which is approximately $129 each month.

How much is auto insurance in Portland, OR?
Rank City Average Per Year
1 Gresham $1,606
2 Portland $1,544
3 Lake Oswego $1,406
4 Hillsboro $1,393
5 Forest Grove $1,388
6 Oregon City $1,388
7 Beaverton $1,370
8 Keizer $1,365
9 West Linn $1,362
10 Salem $1,360
11 Woodburn $1,359
12 Aloha $1,349
13 Newberg $1,337
14 Tigard $1,322
15 Tualatin $1,299
16 McMinnville $1,286
17 Bend $1,236
18 Redmond $1,210
19 Grants Pass $1,191
20 Albany $1,188
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Information shown are comparative as the garaging address in Portland can decrease or increase prices considerably.

The type of vehicle to be insured is probably the largest consideration when quoting low-cost coverage for nurses. Vehicles with high performance, poor passenger safety features, or a track record of large liability claims will cost more to insure than safer models. The next table outlines coverage costs for the most cost-effective vehicles to buy coverage for.

Cheapest Vehicles to Insure in Portland, OR
Make and Model Estimated Cost for Full Coverage
Honda CR-V LX 2WD $1,356
Honda Accord LX-P 4-Dr Sedan $1,361
Toyota Prius $1,499
Jeep Wrangler Sport 4WD 2-Dr $1,612
Toyota Corolla S $1,691
GMC Sierra 2500HD SLE Regular Cab 4WD $1,721
Ford Escape Limited 4WD $1,805
Ford Focus SE 2-Dr Coupe $1,810
GMC Sierra SLT Crew Cab 4WD $1,834
Toyota RAV4 4WD $1,837
Toyota Camry LE $1,842
Chevrolet Malibu LS $1,837
Ford Explorer XLT 4WD $1,863
Dodge Grand Caravan SXT $1,871
Ford Edge SEL AWD $1,927
Honda Odyssey EX W/Rear Entertainment $1,933
Jeep Grand Cherokee Laredo 2WD $1,966
Ford Fusion S 4-Dr Sedan $1,971
Volkswagen Jetta S 4-Dr Sedan $1,966
Chevrolet Equinox LTZ 2WD $1,969
Ford F-150 Lariat King Ranch 4WD $2,003
Dodge Ram Crew Cab SLT 2WD $2,010
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $2,006
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Premium data assumes single female driver age 30, 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 estimates do not factor in specific zip code location which can increase or decrease coverage rates noticeably.

Based upon these rates, vehicles like the Honda CR-V, Honda Accord, and Toyota Prius are most likely going to be some of the most affordable vehicles to insure for health professionals.

Full coverage or liability only

Saving money when shopping for insurance should be important to most vehicle owners, and an easy way to pay less for insurance for nurses is to not buy comprehensive and collision coverage. The chart below illustrates the difference between car insurance costs with and without full coverage. The prices are based on no violations or accidents, $500 deductibles, marital status is single, and no discounts are applied to the premium.

If averaged for all ages, full coverage on your policy costs an extra $1,509 per year over having just liability coverage. At some point, about every driver wonders when is it safe to stop buying full coverage. There is no clear-cut rule for dropping comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than 10% of replacement cost minus your deductible, then it might be time to buy liability only.

There are a few cases where only buying liability is not a good idea. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.

How to get discounts on Portland car insurance rates

Cheaper Portland, OR insurance for health professionalsCar insurance companies that offer coverage for nurses could also offer policy discounts that may potentially lower prices by as much as 35% or more if you are eligible to receive them. A list of companies and some of the discounts are:

The chart below shows the comparison of auto insurance costs with and without some available policy discounts. The price estimates are based on a male driver, no violations or claims, Oregon state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with homeowner, vehicle safety, safe-driver, multiple vehicle, multiple policy, and passive restraint discounts applied. When drivers take advantage of discounts, the average savings per year on insurance for nurses is 28% or $625.

Chances are good that you’re overpaying for Portland car insurance

Oregon insurance rates are calculated based on many things that control the price you pay. Turning one year older, buying a different home, or getting a ticket for careless driving can produce rate changes that may make certain companies cheaper than before. Also, companies change the rates they charge in Oregon without warning to adjust for unexpected claims or profits. Heavier than normal losses can cause rate increases, while a lower level of claims may cause cheaper Portland car insurance rates.

To illustrate this point, the bar chart below shows a variety of companies that have the cheapest car insurance in Portland, OR for a 45-year-old male driver with no prior claims, no tickets, and excellent credit. When comparing rates based on his personal profile, Grange has the most affordable car insurance rates in Portland at $908 per year. This is $570 less than the average policy premium paid by Oregon drivers of $1,478. Oregon Mutual, Country, Travelers, and USAA are the remainder of the cheapest Portland, OR auto insurance companies.

The example below compares rates after we give the driver from the above example a claim surcharge, a lower credit rating, and a traffic citation. Because each company has a unique approach for setting rates, comparing rates will most likely result in a significantly different list of companies as shown below.

Amica now has the lowest price in Portland with Mutual Enumclaw, GEICO, Oregon Mutual, and Allied also being competitive. This example shows why it is critical to do a thorough rate comparison when trying to get affordable car insurance rates for nurses. Insurance rates can be determined by many factors and change dramatically, so the cheapest company when you bought your policy may now not even be in the top five.

If you would rather have some professional guidance when shopping around for cheaper insurance for health professionals, the agents listed below are willing to answer your questions and help you decide which insurance coverage will be best for you. To find an agent in your neighborhood, click the button at the bottom of the list or click here to compare prices now.

View more Portland, OR insurance agencies

How to find the cheapest car insurance for nurses

Lowering your rates is not difficult, and here are many thrifty solutions that can help drivers get low-cost auto insurance.

The final tip is particularly necessary, as was stressed in the prior article. Car insurance rates in Portland fluctuate constantly, so drivers shouldn’t hesitate to change insurance companies if you find a better deal.

Brand loyalty is not necessarily bad, but it isn’t a good idea if it’s costing you a lot of money. In less than five minutes you could compare prices to find cheaper car insurance for nurses.