The vehicle to be insured is one of the largest factors when consumers are trying to find the best auto insurance for drivers with a bad driving record. Vehicles with lots of speed or power, poor safety features, or high incidents of liability claims will cost quite a bit more to insure than more economical and safe models.
The table below estimates auto insurance rates for a number of the most budget-friendly vehicles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $5,416 |
| Honda Accord EX 4-Dr Sedan | $5,425 |
| Ford Escape XLS 2WD | $5,416 |
| Dodge Grand Caravan SE | $5,855 |
| Toyota Prius | $5,991 |
| Ford F-150 XL Regular Cab 4WD | $6,127 |
| Chevrolet Silverado LS Extended Cab 4WD | $6,130 |
| Chevrolet Impala LT | $6,140 |
| Ford Explorer Eddie Bauer 4WD | $6,187 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $6,203 |
| Toyota Tacoma 2WD | $6,353 |
| Toyota Corolla S | $6,407 |
| Ford Edge Limited AWD | $6,415 |
| Hyundai Elantra GLS 4-Dr Sedan | $6,407 |
| Chevrolet Equinox LT 2WD | $6,418 |
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Prices above based on single female driver age 50, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Oregon minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Rates do not factor in specific zip code location which can decrease or increase price quotes significantly.
Looking at the data, we can assume that vehicles like the Honda CR-V, Honda Accord, Ford Escape, and Dodge Grand Caravan will definitely be the less-costly vehicles to insure for bad drivers. Prices will be more expensive just because there is more claim exposure for drivers with a bad driving record, but generally speaking those vehicles will tend to have the cheapest auto insurance rates that you are likely to find.
One of the more important factors that are used to help calculate car insurance rates is where you choose to live in Portland. Cities with larger populations or higher claim trends will most likely have higher rates, whereas areas with less congestion benefit from having to pay less for coverage.
The next table rates the most expensive places in Oregon for drivers with a bad driving record to purchase auto insurance in. Portland shows up at #2 with an annual cost of $1,499 for the average insured, which is around $125 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Gresham | $1,574 |
| 2 | Portland | $1,499 |
| 3 | Aloha | $1,405 |
| 4 | Oregon City | $1,388 |
| 5 | Woodburn | $1,387 |
| 6 | Lake Oswego | $1,364 |
| 7 | Newberg | $1,364 |
| 8 | West Linn | $1,362 |
| 9 | Forest Grove | $1,360 |
| 10 | Salem | $1,360 |
| 11 | Beaverton | $1,356 |
| 12 | Hillsboro | $1,352 |
| 13 | Tualatin | $1,338 |
| 14 | Tigard | $1,336 |
| 15 | Keizer | $1,325 |
| 16 | McMinnville | $1,299 |
| 17 | Redmond | $1,260 |
| 18 | Bend | $1,224 |
| 19 | Springfield | $1,170 |
| 20 | Corvallis | $1,167 |
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Information shown are approximated as the specific Portland residence address can revise price quotes noticeably.
Finding dependable, budget auto insurance is not always easy, and determining which company has the cheapest insurance rates for drivers with a bad driving record will involve even more perseverance.
Each insurance company has their own process for establishing rates, so we need to take a look at the most budget-friendly insurance companies in Portland, OR. Keep in mind that Portland, OR insurance rates are impacted by many things that control the cost of your policy. Simply having a birthday, increasing liability limits, or getting a ticket for careless driving can produce rate changes that can make some companies cheaper than competitors.
Lowest Insurance Price Quotes for Imperfect Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Grange | $687 |
| 2 | Oregon Mutual | $819 |
| 3 | Country | $856 |
| 4 | USAA | $941 |
| 5 | Travelers | $952 |
| 6 | State Farm | $1,029 |
| 7 | Amica | $1,125 |
| 8 | GEICO | $1,155 |
| 9 | Allied | $1,179 |
| 10 | California Casualty | $1,182 |
| 11 | Mutual Enumclaw | $1,188 |
| 12 | Progressive | $1,272 |
| 13 | MetLife | $1,301 |
| 14 | 21st Century | $1,324 |
| 15 | American Family | $1,416 |
| 16 | Encompass | $1,606 |
| 17 | Allstate | $1,654 |
| 18 | Farmers | $2,013 |
| 19 | Safeco | $2,172 |
| 20 | Liberty Mutual | $2,508 |
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Grange normally has some of the lowest 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, USAA, and Travelers also make the cut as some of the lowest-priced Portland, OR car insurance companies.
In the above example, if you buy coverage from USAA and switched to Grange, you may see an annual premium reduction of around $254. Insureds with Travelers may save as much as $265 a year, and State Farm customers might cut rates by $342 a year.
Remember that these premiums are averaged across all ages of drivers and types of vehicles and and are not figured with an exact location for drivers with a bad driving record. So the car insurance company that is most affordable for your situation may not even be in the top 22 companies shown above. That’s why you need to get auto insurance quotes using your own driver information and specific vehicle type.
Impact of speeding/accidents on Portland insurance rates
In a perfect world, the best way to obtain the most affordable insurance premiums for bad drivers is to drive carefully and avoid tickets and accidents. The diagram below highlights how traffic violations and accidents can drive up insurance rates for each age group. The premiums are based on a married male driver, comp and collision included, $500 deductibles, and no other discounts are factored in.
The data charted above shows the average cost of car insurance in Portland per year with no violations or accidents is $1,409. Get written up for one speeding ticket and the average cost rises to $1,618, an increase of $209 each year. Then add one accident along with the one speeding ticket and the annual cost of insurance for drivers with a bad driving record increases to an average of $2,202. That’s an increase of $793, or $66 per month, just for not driving safely!
Selecting the highest-rated auto insurance provider can be difficult considering how many companies are available to choose from in Oregon. The company rank data shown below may help you choose which car insurance providers to look at when shopping car insurance rates for drivers with a bad driving record. The ratings below are only comprised of companies that insure vehicles across America, so smaller companies that only insure vehicles in Oregon are not included in these rankings.
Top 10 Major Auto Insurance Providers in Portland Ranked by Customer Satisfaction
- USAA – 94%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- GEICO – 89%
- The Hartford – 89%
- The General – 88%
- 21st Century – 88%
- Allstate – 88%
- Liberty Mutual – 88%
Top 10 Major Auto Insurance Providers in Portland Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- Progressive
- GEICO
- Liberty Mutual
- Allstate
- The Hartford
- The General
- 21st Century
Discounts on Portland car insurance rates
Insurers that offer quotes for drivers with a bad driving record may have policy discounts that can lower rates by as much as 40% or more if you meet certain criteria. Larger insurance companies and a summarized list of policyholder discounts are shown below.
- Progressive has discounts for continuous coverage, online signing, good student, online quote discount, and multi-policy.
- AAA offers discounts including multi-policy, pay-in-full, multi-car, good driver, and AAA membership discount.
- Farmers Insurance may offer discounts for alternative fuel, electronic funds transfer, early shopping, distant student, good student, teen driver, and homeowner.
- GEICO policyholders can earn discounts including good student, seat belt use, emergency military deployment, anti-theft, and membership and employees.
- Esurance offers premium reductions for Switch & Save, DriveSense, online quote, homeowner, online shopper, anti-lock brakes, and multi-policy.
- SAFECO discounts include bundle discounts, safe driver, anti-lock brakes, multi-car, drive less, teen safe driver, and teen safety rewards.
- State Farm offers discounts for accident-free, Drive Safe & Save, safe vehicle, anti-theft, and student away at school.
The example below illustrates the comparison of insurance costs with and without discounts applied to the premium. The premiums are based on a female driver, one violation and two at-fault accidents, Oregon state minimum liability limits, full coverage, and $1,000 deductibles.
The first bar for each age group shows premium with no discounts. The second bar shows the rates with paid-in-full, continuous coverage, marriage, anti-theft, paperless filing, and vehicle safety discounts applied. When these discounts are applied to the policy premium, theamount saved on insurance for drivers with a bad driving record is 29% or $939.
Why you should be shopping around
Portland, OR insurance rates are based on many factors that may substantially change the policy price. Simply improving your credit, moving to a new city, or getting a driving violation can trigger changes in premium resulting in some companies being more affordable than others. Not only may your risk profile change, but insurance companies change prices as often as every three months to adjust for unexpected claims or profits. A period of higher than normal claims may cause additional price hikes, while lower claims may result in cheaper Portland car insurance rates.
To help illustrate this point, the bar chart below shows the cheapest car insurance in Portland, OR for a 30-year-old male driver with a clean driving record, no accidents, and a high credit rating. When quoting prices based on his personal profile, Grange might quote the cheapest car insurance rates in Portland at $945 a year. This is $533 less than the average premium paid by Oregon drivers of $1,478. Country, Oregon Mutual, Travelers, and USAA are the remaining top five cheapest Portland, OR auto insurance companies.
In this next rate comparison, we will give the driver from the first example a couple of claims, bad credit, and a stop sign violation. Because each company uses their own calculation to set their prices, comparing rates most likely will result in a different set of affordable companies as shown below.
Amica now has the best car insurance rate in Portland with Mutual Enumclaw, GEICO, California Casualty, and Allied now rounding out the top five. This example illustrates why it is important to take the time to shop around to get the lowest insurance rates for drivers with a bad driving record. Rates are influenced by many factors and can change without notice, so the most affordable company six months ago may now be an over-priced policy.
The insurance agents in Portland listed below are willing to help you decide which car insurance policy is best, since some people have coverage questions and would like to get some professional input when comparing insurance rates for drivers with a bad driving record. It can be challenging to find the cheapest car insurance policy, and professional agents can give you satisfaction knowing your policy gives you adequate coverage if you have an accident or claim.
To locate a Portland auto insurance agent close to you, click the button at the bottom of the list or click here to compare price quotes.
- Focus 1 Insurance
1500 NW 18th Ave #107 – Portland, OR 97209 – (503) 206-6588 - State Farm: Rick Hennessy
6335 SW Capitol Hwy – Portland, OR 97239 – (503) 245-9345 - Vu Han – State Farm Insurance Agent
322 NE 82nd Ave – Portland, OR 97220 – (503) 252-1114 - Allstate Insurance: Damian Gobel
1511 SE 122nd Ave – Portland, OR 97233 – (503) 255-3490 - Matthew K Barnett Agency
3332 N Lombard St – Portland, OR 97217 – (503) 285-2546