Canyon City Auto Insurance Rates, Quotes, Agents & Reviews in OR

Canyon City, OR Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Canyon City, 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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Factors that can influence the cost of car insurance in Canyon City, 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.


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

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

Canyon City Grant County Mount Vernon John Day Prairie City
Average Insurance Rates $1,382 $1,398 $1,364 $1,396 $1,397

Canyon City, 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 Canyon City, 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)
Canyon City $931 $786
Grant County $1,651 $1,395
Mount Vernon $1,035 $874
John Day $2,003 $1,692
Prairie City $1,529 $1,291

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

Teenagers in Canyon City, 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 $4,484
20 Years $1,776
30 Years $1,368
40 Years $1,316
50 Years $1,219
60 Years $1,236
70 Years $1,438

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

Car owners in Canyon City, 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 $2,432 $332
3 Vehicles $3,648 $498
4 Vehicles $4,865 $663

Savings on 2 Vehicles bundle:$332

Savings on 3 Vehicles bundle:$498

Savings on 4 Vehicles bundle:$663


Canyon City, 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 Canyon City, OR.

Location Average Insurance Cost Post DUI Insurance Rate
Canyon City $1,382 $2,067
Grant County $1,398 $2,091
Mount Vernon $1,364 $2,040
John Day $1,396 $2,088
Prairie City $1,397 $2,090

Canyon City, 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) $1,186
Excellent (740-799) $1,353
Good (670-739) $1,440
Average (580-669) $1,879
Poor (300-579) $2,254

Canyon City, OR Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Nathan Steffl Farmers 342 W Main St, John Day, 97845 (541) 575-3518
Bisnett Insurance Inc Allstate 405 W Main, John Day, 97845 (541) 575-0419

Canyon City, 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 +$61 $1,443
Driver's Failure In Showing Documents +$134 $1,516
Driving With An Expired Registration +$142 $1,524
Driving At A Considerably Slow Pace +$300 $1,682
Using A Cellphone While Driving +$316 $1,698
Running A Red Light +$322 $1,704
Speeding +$339 $1,721
Driving A Vehicle Without The Required Permission +$430 $1,812
Driving With An Expired/Suspended License +$931 $2,313

Canyon City, 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 $1,327
Active Disabling Device $1,327
Tracking Device $1,299
Passive Disabling Device $1,285