Finding cheap insurance is challenging, and figuring out which companies quote the best auto insurance rates for drivers with a DUI will involve even more rate comparisons.
Each insurer uses a slightly different approach for setting prices, so let’s take a look at the auto insurance companies that tend to be cheaper in Oregon.
Find Cheaper Auto Insurance after a DUI
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Grange has some of the lowest car insurance rates in Portland at around $687 per year. Oregon Mutual, Country, Travelers, and USAA would also make the list of some of the more affordable Portland, OR auto insurance companies.
In the above example, if you are insured with Travelers and switched to Oregon Mutual, you might see an annual savings of upwards of $99. Policyholders with USAA might save as much as $126 a year, and State Farm insureds might realize rate reductions of up to $187 a year.
Be aware that those premiums are averages for all insureds and vehicles and and are not figured with an exact zip code location for drivers with a DUI. So the company that fits your needs best may not even be in the top 22 companies shown above. That point stresses why you need to compare as many prices as possible using your own individual information.
One of the more important factors that aid in calculating car insurance rates is where you live in Portland. Larger areas tend to have more expensive car insurance rates, whereas areas with lower crime rates and fewer weather claims have the luxury of lower rates.
The information below rates the most expensive places in Oregon for drivers with a DUI in which to purchase auto insurance. Portland is ranked at #2 with a yearly premium of $1,529 for the average insurance policy, which is about $127 each month.
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Rate quotes are approximated as zip code location can influence insurance rates noticeably.
Price comparison of only insuring for liability
Saving money on auto insurance should be important to most people, and one great way to buy cheaper insurance for drivers with a DUI is to buy only liability coverage. The diagram below visualizes the comparison of car insurance rates with full coverage compared to only the Oregon minimum liability coverage. The premiums are based on no claims or driving citations, $100 deductibles, marital status is single, and no other discounts are factored in.
If all age groups are averaged, comprehensive and collision coverage on your policy costs $1,834 per year over liability only. That is a big expense that brings up the question if you should buy full coverage. There isn’t a written rule of when to eliminate physical damage insurance, but there is a general school of thought. If the annual cost of coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.
The example below demonstrates how deductible levels can influence insurance premiums when searching for cheap insurance for drivers with a DUI. Data assumes a single male driver, full coverage, and no policy discounts are applied.
As shown above, a 50-year-old driver could lower rates by $314 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $474 by changing to a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could potentially save $1,036 or more by using higher deductibles when buying full coverage.
When insureds make the decision to increase the deductibles on their policy, it’s a good idea to have enough spare savings to be able to cover the extra out-of-pocket expense that is associated with using high deductibles.
Discount Portland insurance rates
Auto insurance companies that offer coverage for drivers with a DUI may also give you discounts that could reduce prices by 25% or more if you qualify. A list of auto insurance companies and some of the premium reductions they offer are:
- GEICO offers premium reductions for multi-policy, anti-theft, daytime running lights, anti-lock brakes, membership and employees, and multi-vehicle.
- MetLife has savings for defensive driver, accident-free, good driver, claim-free, good student, and multi-policy.
- Progressive offers discounts including multi-vehicle, multi-policy, homeowner, good student, continuous coverage, and online signing.
- Travelers may have discounts that include IntelliDrive, multi-policy, driver training, continuous insurance, and hybrid/electric vehicle.
- SAFECO offers discounts for drive less, bundle discounts, multi-car, safe driver, anti-lock brakes, and anti-theft.
- AAA has discounts for education and occupation, anti-theft, AAA membership discount, good student, and pay-in-full.
The chart below shows the difference between insurance costs with and without discounts applied to the rates. The premiums are based on a male driver, one traffic citation and no accidents, Oregon state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with multiple policy, multiple vehicle, paperless filing, homeowner, continuous coverage, and vehicle safety discounts applied. When discounts are factored in, theaverage yearly reduction on auto insurance for drivers with a DUI is 28% or $457.
Why you should shop around
Portland auto insurance rates are influenced by many factors which can significantly increase or decrease the cost of a policy. Turning one year older, having a claim, or getting a couple of tickets can produce rate changes that can cause some rates to be much cheaper than others.
Not only may your situation change, but auto insurance companies amend pricing every year or even multiple times each year to adjust for gains or losses. Significantly higher claims may result in higher prices, while a profitable period can produce more affordable Portland car insurance rates.
To help illustrate this point, the graph below shows the cheapest car insurance in Portland, OR for a 45-year-old female driver with no prior accidents, a clean driving record, and great credit. If we look at prices based on her current rating profile, Grange quotes the cheapest car insurance rates in Portland at $926 annually. This is $552 less than the average rate paid by Oregon drivers of $1,478. Country, Oregon Mutual, Travelers, and USAA are the rest of the top five cheapest Portland, OR auto insurance companies.
In the next rate comparison, we’ll give the driver in the first example an accident surcharge, bad credit, and a speeding citation. Since each company uses a different method to determining premium rates, comparing insurance quotes most likely will result in a significantly different list of cheap Portland auto insurance companies as shown below.
Country now has the cheapest rate in Portland, OR with Amica, GEICO, Oregon Mutual, and Allied now rounding out the top five. This demonstrates why Portland drivers need to perform an extensive rate comparison to get the best insurance rates for drivers with a DUI. Rates can be altered by many factors and can decrease or increase without notice, so the best price three years ago may now cost much more than other companies.
If you aren’t sure which coverage to buy and prefer to get some professional advice when comparing insurance rates after getting a DUI, the agents listed below can help you decide which is the best policy. To locate a Portland insurance agent in your neighborhood, click the button below the list or click here to compare price quotes now.
- Focus 1 Insurance
1500 NW 18th Ave #107 – Portland, OR 97209 – (503) 206-6588
- Stamm Stuart Bybee Insurance
16455 SE Division St – Portland, OR 97236 – (971) 254-1148
- Ross and Associates Insurance Services, Inc.
9201 SE 91st Ave – Portland, OR 97086 – (503) 698-3833
- Reggie Guyton – State Farm Insurance Agent
8180 N Lombard St – Portland, OR 97203 – (503) 289-3601