The vehicle you are insuring is probably the most important factor when comparing quotes for the most affordable auto insurance for low mileage drivers. Vehicles with high performance engines, poor safety features, or an increased likelihood of liability claims will cost substantially more to insure than safer models.
The next list illustrates insurance prices for a number of the most economical vehicles to insure.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $1,300 |
| Honda Accord LX-P 4-Dr Sedan | $1,337 |
| Ford Escape XLT 2WD | $1,344 |
| Dodge Grand Caravan SE | $1,340 |
| Jeep Grand Cherokee Laredo 4WD | $1,412 |
| Dodge Ram 3500 Crew Cab Laramie 2WD | $1,442 |
| Toyota Prius | $1,447 |
| Honda Odyssey LX | $1,458 |
| Ford Explorer XLT AWD | $1,463 |
| Hyundai Elantra GLS 4-Dr Sedan | $1,487 |
| Ford Edge Limited AWD | $1,493 |
| Ford F-150 XLT Crew Cab 2WD | $1,492 |
| Jeep Wrangler Unlimited Sahara 4WD 4-Dr | $1,535 |
| Ford Focus S 4-Dr Sedan | $1,546 |
| Honda Civic EX-L 4-Dr Sedan | $1,562 |
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Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oregon minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Premium amounts do not factor in specific Portland, OR garaging location which can decrease or increase coverage prices considerably.
Looking at the rates, you can figure that models like the Honda CR-V, Honda Accord, Ford Escape, and Dodge Grand Caravan are going to be a few of the most affordable vehicles to insure for infrequent drivers.
One of the more important factors that aid in calculating auto insurance rates is your address in Portland. Regions with more people or even just more weather-related claims tend to have higher rates, whereas less populated areas benefit from having to pay less for coverage.
The following table lists the highest-priced places in Oregon for low mileage drivers in which to purchase auto insurance. Portland is listed at #2 with an annual rate of $1,499 for coverage, which is approximately $125 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Gresham | $1,574 |
| 2 | Portland | $1,499 |
| 3 | Lake Oswego | $1,420 |
| 4 | Oregon City | $1,402 |
| 5 | Forest Grove | $1,401 |
| 6 | Aloha | $1,391 |
| 7 | Hillsboro | $1,380 |
| 8 | Beaverton | $1,370 |
| 9 | Keizer | $1,365 |
| 10 | Tigard | $1,362 |
| 11 | West Linn | $1,348 |
| 12 | Woodburn | $1,346 |
| 13 | McMinnville | $1,338 |
| 14 | Tualatin | $1,338 |
| 15 | Newberg | $1,323 |
| 16 | Salem | $1,320 |
| 17 | Redmond | $1,247 |
| 18 | Bend | $1,188 |
| 19 | Grants Pass | $1,180 |
| 20 | Eugene | $1,169 |
| 21 | Corvallis | $1,167 |
| 22 | Roseburg | $1,161 |
| 23 | Albany | $1,142 |
| 24 | Springfield | $1,136 |
| 25 | Medford | $1,123 |
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Rates are approximated as the specific zip code location can impact coverage prices considerably.
Deciding which companies have the best auto insurance rates for low mileage drivers will require a little more work than just comparing rates from one or two companies. Every auto insurer uses their own formula to set policy rates, so we’ll go over the auto insurance companies that tend to have lower prices in Oregon.
It’s a good idea to be aware that Portland, OR auto insurance rates are calculated based on many things that will increase or decrease the cost of a policy. Simply improving your credit, buying another vehicle, or having a fender bender can trigger rate changes that may make certain companies much cheaper than others.
Cheap Insurance Rates in Oregon
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Grange | $715 |
| 2 | Oregon Mutual | $828 |
| 3 | Country | $856 |
| 4 | Travelers | $924 |
| 5 | USAA | $950 |
| 6 | State Farm | $1,061 |
| 7 | Amica | $1,125 |
| 8 | California Casualty | $1,182 |
| 9 | Mutual Enumclaw | $1,188 |
| 10 | GEICO | $1,190 |
| 11 | Allied | $1,203 |
| 12 | Progressive | $1,259 |
| 13 | MetLife | $1,288 |
| 14 | 21st Century | $1,350 |
| 15 | American Family | $1,474 |
| 16 | Encompass | $1,622 |
| 17 | Allstate | $1,722 |
| 18 | Farmers | $1,994 |
| 19 | Safeco | $2,238 |
| 20 | Liberty Mutual | $2,508 |
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Grange quotes some of the cheapest car insurance rates in Portland at around $715 per year. This is $763 less than the average rate paid by Oregon drivers of $1,478. Oregon Mutual, Country, Travelers, and USAA are also some of the most economical Portland, OR car insurance companies.
As shown above, if you are currently insured with Country and switched to Grange, you may see yearly savings of approximately $141. Insureds with Travelers might save as much as $209 a year, and USAA customers might reduce rates by $235 a year.
To find the cheapest rates for your vehicle, click here to start your custom quote or quote prices from the following companies.
It’s important to note that these premium estimates are averaged across all types of drivers and the different vehicles they drive and are not factoring in a specific vehicle garaging location for low mileage drivers. So the insurer that can offer you the lowest price may not even be in the list above. That points out the importance of why you need to compare prices as often as possible using your own driver data and vehicle information.
Get discounts on Portland insurance rates
Auto insurance companies that provide coverage for low mileage drivers may provide rate discounts that could potentially reduce rates by as much as 35% or more if you meet the requirements. The best auto insurance companies and a selection of discounts are detailed below.
- Farmers Insurance offers discounts for multi-car, mature driver, youthful driver, distant student, teen driver, and good student.
- State Farm offers premium reductions for good student, passive restraint, Steer Clear safe driver discount, anti-theft, driver’s education, Drive Safe & Save, and good driver.
- Liberty Mutual may offer discounts for newly married, new graduate, new vehicle discount, teen driver discount, and multi-car.
- MetLife policyholders can earn discounts including good driver, accident-free, good student, claim-free, defensive driver, multi-policy
- Progressive includes discounts for good student, multi-vehicle, homeowner, multi-policy, online quote discount, continuous coverage, and online signing.
The chart below illustrates the difference between premium costs with and without discounts. The price estimates are based on a female driver, no claims or violations, Oregon state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with accident-free, marriage, claim-free, passive restraint, vehicle safety, and homeowner discounts applied. When these discounts are applied to the policy premium, theaverage yearly reduction on auto insurance for low mileage drivers is 28% or $484.
Finding the top auto insurance company can be rather challenging considering how many choices drivers have in Oregon. The ranking information shown below could help you decide which coverage providers you want to consider when buying insurance for low mileage drivers. The ratings below are only made up of the largest companies in America, so smaller regional companies are not taken into consideration for the 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 |
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Data Source: Insure.com Best Car Insurance Companies
The Portland car insurance agencies listed below can help you determine which insurance coverage will be best for you, as some drivers wish to have a professional recommendation when comparing insurance rates for infrequent drivers. It’s not always easy to find the best policy on your own, and a professional agent can give comfort knowing your policy gives you adequate protection in the event of a claim.
To locate an agency by location nearest to you, click the button link following the list.
- Michael Holton – State Farm Insurance Agent
7113 SW Macadam Ave – Portland, OR 97219 – (503) 517-9090 - Ross and Associates Insurance Services, Inc.
9201 SE 91st Ave – Portland, OR 97086 – (503) 698-3833 - Stamm Stuart Bybee Insurance
16455 SE Division St – Portland, OR 97236 – (971) 254-1148
More insurance agents in Portland, OR
How to find cheaper car insurance for low mileage drivers
The list below details some of the recommended penny-pinching suggestions that can help you buy lower-cost coverage.
- Pay for smaller claims out-of-pocket
- Serious violations like DUI or reckless driving can increase rates dramatically
- At-fault accidents will increase rates
- Insure your home and auto with the same company
- Raise deductibles
- Good credit scores may make rates cheaper
- Shop your coverage around for the best deal
That last piece of advice is especially significant, as we pointed out in the article above. Prices charged by companies can be adjusted at any time, so drivers shouldn’t be reluctant to change insurance companies if a lower-cost policy is available. Being loyal to a particular company is commendable, but it’s not recommended if that dedication is costing money that could be spent on other things. In less than five minutes you could compare prices and find cheaper auto insurance for low mileage drivers in Portland.