Aloha Auto Insurance Rates, Quotes, Agents & Reviews in OR

Aloha, OR Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Aloha, OR, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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What Does it Cost to Insure Your Car in Aloha, OR

The average cost of car insurance in Aloha is $1457.  Auto Insurance quotes vary widely based on individual rating factors which are explored more thoroughly by Zimlon below. The cheapest type of auto insurance that a person can have varies depending on their age and location when purchasing it as well as other various different requirements set forth by state law or any company they may be buying from with a range of rates.

Check out the factors and related discounts available in Aloha in detail given below.

Multi Car Insurance Rates 

Car owners in Aloha can save money on insurance by bundling coverage from the same provider. Bundled rates are lower because one company is handling your policies and claims instead of multiple companies.The average savings one can get are as follows;

what_does_it_cost_to_insure_your_car_in_aloha_or

Based on age age of the driver

The insurance rates for teenagers and young drivers are inflated because they are seen as more irresponsible behind the wheel. In Aloha, teens pay a higher average of $4728 in auto insurance costs than older adults aged 30-40 years old who only spend an average of $1442  and $1387 respectively. Aloha car owners can get cheaper insurance rates by comparing age of driver-based policies and taking advantage of discounts like good student/driver discount or defensive driving.

Based on credit score

Car insurance can be cheaper for car owners who have excellent credit scores and clean driving records. Zimlon's research found that in Aloha if you are an "excellent" driver with a score of 800, your average annual premium is $1250 but when you make the same decision with more than one minor infraction or traffic violation on record less than 600, which could affect how much risk insurers see as acceptable to insure drivers like yourself at any given time, then your premiums will shoot up by 100%. In other words, car owners with good credit scores pay less premium whereas car owners with poor credit scores pay upto $2377 as their premium.

Based on security features 

Cars that are equipped with safety devices not only protect the vehicle and  passengers but can also save money.Car insurance companies will provide discounts to guardians of the road who install as many protective measures on their vehicles. The cost savings vary depending on which type or number of protective features have been installed. Zimlon’s research found that car owners in Aloha can reduce their auto insurance costs to $1355 by installing passive disabling devices. Installing features like an audible alarm or an active disabling device can also reduce the insurance costs to $1399 in Aloha. Average Insurance cost for cars with active tracking devices is $1370.

Factors that can influence the cost of car insurance in Aloha, OR are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Aloha, OR Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Aloha, OR with that of other cities in and around Aloha.

Aloha Cedar Hills Rockcreek Hillsboro Beaverton Cedar Mill
Average Insurance Rates $1,457 $1,505 $1,518 $1,171 $1,192 $1,597

Aloha, OR Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Aloha, OR based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Aloha $1,722 $1,455
Beaverton $1,008 $852
Beaverton-Hillsboro $1,445 $1,221
Cedar Hills $1,431 $1,208
Oak Hills $1,524 $1,288
Hillsboro $1,407 $1,188
Rockcreek $1,564 $1,321
Cedar Mill $1,082 $914

Aloha, OR Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Aloha, OR usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,728
20 Years $1,872
30 Years $1,442
40 Years $1,387
50 Years $1,285
60 Years $1,303
70 Years $1,516

Aloha, OR Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Aloha, OR can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,535 $379
3 Vehicles $3,803 $568
4 Vehicles $5,070 $758

Savings on 2 Vehicles bundle:$379

Savings on 3 Vehicles bundle:$568

Savings on 4 Vehicles bundle:$758


Aloha, OR Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Aloha, OR.

Location Average Insurance Cost Post DUI Insurance Rate
Aloha $1,457 $2,180
Beaverton $1,192 $1,783
Beaverton-Hillsboro $1,494 $2,235
Cedar Hills $1,505 $2,251
Oak Hills $1,525 $2,281
Hillsboro $1,171 $1,752
Rockcreek $1,518 $2,271
Cedar Mill $1,597 $2,389

Aloha, OR Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,250
Excellent (740-799) $1,427
Good (670-739) $1,518
Average (580-669) $1,981
Poor (300-579) $2,377

Aloha, OR Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$64 $1,521
Driver's Failure In Showing Documents +$141 $1,598
Driving With An Expired Registration +$150 $1,607
Driving At A Considerably Slow Pace +$316 $1,773
Using A Cellphone While Driving +$334 $1,791
Running A Red Light +$339 $1,796
Speeding +$357 $1,814
Driving A Vehicle Without The Required Permission +$453 $1,910
Driving With An Expired/Suspended License +$982 $2,439

Aloha, OR Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,399
Active Disabling Device $1,399
Tracking Device $1,370
Passive Disabling Device $1,355

Latest Auto Insurance Reviews in Aloha, OR | Back to Top

State Farm
I am thrilled with my insurance company and would recommend anyone talk to them. They are completely transparent as to what you get for the money.
Allstate
The only problem that I have EVER had with them is when the agency got sold and I had an unreliable agent which I have since taken care of that issue.
State Farm
Premium might be a little higher, but the service makes up for it.
Mapfre Insurance
Good premiums with standard everything. All the companies offer it, but they give me a good discount on it.
American National Property And Casualty Company
I am very pleased with the interaction, especially on claims. I have a comprehensive claim and the adjuster was prompt and very fair in the settlement. I am totally satisfied with my local agent since she has always been prompt regarding any questions I have had in the past. She also checks with me each year about doing a review of my coverage and keeps me up to date and I really appreciate that.