For teen girls, one of the big considerations that are looked at to help calculate insurance cost is where you live. Areas with more people or more claims tend to have more expensive auto insurance rates, whereas areas with lower crime rates and fewer weather claims benefit from lower rates.
The table below lists the most expensive cities in Oregon for teenage females in which to purchase auto insurance. Portland comes in at #2 with the yearly price of $1,499 on average, which is approximately $125 monthly.
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Information shown are estimated as specific Portland zip code can raise or lower insurance rates noticeably.
Finding out which company offers the cheapest insurance rates for teenage females involves a little more work in order to find a policy that fits your budget. Each insurer has a different process for filing rates in each state, so we’ll go over the insurance companies with the overall cheapest rates in Oregon.
It’s important that you understand Oregon insurance rates are determined by lots of factors that will increase or decrease the cost of your policy. Simply having a birthday, adding a teenager to your policy, or getting a DUI can cause premium changes resulting in some companies being cheaper than before.
Find the Cheapest Car Insurance for Teens
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Grange has some of the most affordable car insurance rates in Portland at around $687 each year. This is $791 less than the average policy premium paid by Oregon drivers of $1,478. Oregon Mutual, Country, Travelers, and USAA also are some of the cheapest Portland, OR insurance companies.
In the above example, if you currently buy coverage from Country and switched to Grange, you might see yearly savings of in the neighborhood of $160. Insureds with Travelers could save as much as $237 a year, and USAA customers might reduce prices by as much as $263 a year.
To get a fast rate comparison, click here to get quotes or quote prices from the following companies.
Bear in mind that those premiums are averaged across all drivers and vehicles and are not factoring in an exact location for teenage females. So the insurer that can offer you the lowest price may not even be in the top 22 companies shown above. That points out the importance of why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.
Insurance companies ranked
Selecting the highest-rated company is hard considering how many companies there are to choose from in Oregon. The rank data shown below could help you decide which companies you want to consider when comparing rates. The ratings below are only made up of the largest auto insurers in America, so companies without a large exposure are not taken into consideration for these rankings.
Top 10 Major Car Insurance Companies Overall in Portland
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
Types of discounts on Portland auto insurance rates
Insurance providers that offer quotes for teenage females may have discounts that could reduce prices by as much as 35% if you meet specific eligibility requirements. The best insurance companies and the discounts they provide are outlined below.
- Progressive has discounts for homeowner, multi-vehicle, online signing, multi-policy, good student, and online quote discount.
- Farmers Insurance policyholders can earn discounts including business and professional, good student, switch companies, alternative fuel, teen driver, and early shopping.
- Farm Bureau may offer discounts for renewal discount, multi-vehicle, driver training, safe driver, and multi-policy.
- State Farm offers discounts including multiple policy, accident-free, Drive Safe & Save, good driver, student away at school, and driver’s education.
- GEICO offers discounts for emergency military deployment, anti-lock brakes, driver training, multi-policy, and five-year accident-free.
- SAFECO discounts include teen safe driver, accident prevention training, anti-theft, safe driver, and multi-car.
- Liberty Mutual includes discounts for multi-policy, new vehicle discount, preferred payment discount, multi-car, new move discount, and hybrid vehicle.
The information below compares insurance premiums with and without discounts. The information is based on a female driver, no claims or driving citations, Oregon state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with paid-in-full, anti-theft, vehicle safety, good student, passive restraint, and continuous coverage discounts applied. When these discounts are applied, theamount saved on insurance for teenage females is 28% or $515.
The importance of shopping around
Portland insurance rates are impacted by many factors that can increase your annual premium. Improving your credit rating, buying a different home, or getting a couple of tickets can trigger price changes resulting in some rates now being affordable when they were higher priced. Not only may your situation change, but auto insurance companies change rates every year or even multiple times each year as an adjustment for underwriting gains or losses. A period of increased losses can cause rate increases, while lower claim expenses may produce cheaper Portland car insurance rates.
For instance, the graph below shows which companies have the cheapest car insurance in Portland, OR for a 35-year-old female driver with a good driving record, no prior claims, and solid credit. If we compare prices based on her current risk factors, Grange has the lowest car insurance rates in Portland at $935 annually. This is $543 less than the average price paid by Oregon drivers of $1,478. Country, Oregon Mutual, Travelers, and USAA round out the rest of the cheapest Portland, OR auto insurance companies.
Now we will give the driver from the first example an accident claim, bad credit, and a traffic citation. Due to the fact that each insurance company uses their own calculation to determining premium rates, comparing prices may now result in a different set of affordable companies as shown below.
Amica now has the lowest price on auto insurance in Portland with GEICO, Oregon Mutual, California Casualty, and Allied now being in the top five. This example demonstrates why consumers need to take the time to do a thorough rate comparison to get the lowest auto insurance quotes for teenage females.
Rates consist of many different factors and can change without notice, so the best option the last time you compared rates may now be wasting a lot of money.
How to find cheaper auto insurance for teenage females
Below you’ll find many thrifty suggestions that can help you quote cheap car insurance.
- The safer your car, the less it costs to insure
- Serious violations like DUI or reckless driving can increase rates dramatically
- Try to remain claim-free
- Pay cheaper rates with good credit scores
- Being accident-free can lower rates significantly
- Compare rates once a year for cheaper prices
The last suggestion is certainly crucial, as was emphasized in the prior article. Prices vary greatly, so don’t hesitate to change to a new company if a better deal can be had.
Having brand loyalty is commendable, but it isn’t a good idea if that dedication is costing big bucks every year. Take a couple minutes and compare rates and find cheaper auto insurance for teenage females in Portland.
If you have coverage questions and would like to get some professional input when shopping around for cheaper insurance for teen girls, the agents shown below can most likely help you determine which coverage meets your needs best.
To find an agent by location nearest to you, click the button after the list or click here to compare prices now.
Michael G Ferguson – State Farm Insurance Agent
736 NW 12th Ave #100 – Portland, OR 97209 – (503) 227-1393
Gunnar Olson – State Farm Insurance Agent
107 SE Washington St Ste 143 – Portland, OR 97214 – (503) 230-0216
Donna Tallman – State Farm Insurance Agent
6305 SE Powell Blvd – Portland, OR 97206 – (503) 771-2579