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

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

Zimlon, through its research, found that car owners in Estacada, 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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Cheapest Auto Insurance Rates in Estacada, OR

The average cost of car insurance in Estacada, OR, is $1,493. The price of auto insurance in Estacada, Oregon, is influenced by a wide range of variables, which car owners can learn about. The location of the city, the driver's driving record, and other elements like the driver's age and gender might affect the price of auto insurance in Estacada, Oregon. For instance, low-income drivers who reside in high-crime areas will pay more for auto insurance even if they have a spotless driving record because of where they live.

Choosing a car insurance plan that satisfies your needs might be difficult. Car owners want to make sure they get the best bargain, which means selecting a policy that meets their coverage needs while staying within their price range. As a result, they need to research the variables that may affect Estacada, Oregon, vehicle insurance rates. Through its research, Zimlon has examined the factors influencing the shift in the cost of auto insurance in Estacada, Oregon.

Car Insurance Rates Based on the Credit History

Auto insurance rates in Estacada, Oregon, are determined partly by a driver's credit history. Insurance companies look at credit information to help them assess the risk of insuring a driver. Generally, drivers with good credit are seen as less of a risk and are therefore charged lower rates. On the other hand, drivers with bad credit are seen as a greater risk and are charged higher rates. Auto insurance in Estacada, OR, costs $1,281 for drivers with exceptional credit scores. Owners of vehicles with good scores (670–739) pay roughly $1,556. Auto insurance in Estacada, OR, costs $2,435 for drivers with poor credit scores.

Car Insurance Rates Based on the Driving History

Car insurance rates in Estacada, Oregon, are based on the policyholder's driving history. If the policyholder has a clean driving record, they will likely receive a lower rate. However, their rates will be higher if the policyholder has multiple accidents or speeding tickets. For instance, in Estacada, Oregon, where the premium rises by +$1006, car owners who drive a vehicle with an expired registration pay $2,499 for automobile insurance.

Car Insurance Rates Based on the Age of the Driver

Auto insurance shopping might be more challenging and expensive than typical if you are a youngster or in your early 20s. Younger drivers in Emerson, New Jersey, typically pay higher auto insurance prices since they lack the experience necessary to demonstrate their driving prowess. In addition, young drivers tend to be carefree and take greater chances while driving. Due to the increased likelihood of accidents, insurance companies charge higher premiums to offset the risk. Teenagers in Estacada, OR, pay $4,845, while drivers aged 30 pay $1,478 on car insurance in Estacada, OR. 

Factors that can influence the cost of car insurance in Estacada, 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.


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

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

Estacada Mount Hood Village Clackamas County Colton Mount Hood Government Camp
Average Insurance Rates $1,493 $1,457 $1,061 $1,472 $1,479 $1,510

Estacada, 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 Estacada, 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)
Estacada $1,338 $1,130
Clackamas County $1,764 $1,490
Mount Hood Village $1,038 $877
Colton $1,411 $1,192
Mount Hood $1,519 $1,283
Government Camp $1,440 $1,216

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

Teenagers in Estacada, 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 $4,845
20 Years $1,918
30 Years $1,478
40 Years $1,422
50 Years $1,317
60 Years $1,335
70 Years $1,554

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

Car owners in Estacada, 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 $2,568 $418
3 Vehicles $3,852 $627
4 Vehicles $5,136 $836

Savings on 2 Vehicles bundle:$418

Savings on 3 Vehicles bundle:$627

Savings on 4 Vehicles bundle:$836


Estacada, 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 Estacada, OR.

Location Average Insurance Cost Post DUI Insurance Rate
Estacada $1,493 $2,233
Clackamas County $1,061 $1,587
Mount Hood Village $1,457 $2,180
Colton $1,472 $2,202
Mount Hood $1,479 $2,212
Government Camp $1,510 $2,259

Estacada, 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) $1,281
Excellent (740-799) $1,462
Good (670-739) $1,556
Average (580-669) $2,030
Poor (300-579) $2,435

Estacada, 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
Jessy Grochowsky Farmers 980 NW Wade St, Estacada, 97023 (503) 630-7907
Kilong Ung State Farm 4000 SE 82nd Ave Ste 1400, Portland, 97266-2949 503-777-6762
Paul Strobel State Farm 352 SE Main Street, Estacada, 97023 503-630-3973
Dave Hawkins State Farm 10355 NE Halsey St Ste B2, Portland, 97220-3985 503-252-2224
Brian West Allstate 15320 NW Central Dr Ste D6, Portland, 97229 (503) 690-4994
Jmi Ins None 3737 S W 117Th, Beaverton, 97005 None
Dick Mclane Farmers 8040 NE Sandy Blvd Ste 101, Portland, 97213 (503) 280-8899
Mid Valley General Agency Llc None 4305 River Road N, Keizer, 97303 None
Brian Koenig State Farm 30775 SW Boones Fry Rd Ste A, Wilsonville, 97070-7822 503-582-9151

Estacada, 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 +$66 $1,559
Driver's Failure In Showing Documents +$145 $1,638
Driving With An Expired Registration +$154 $1,647
Driving At A Considerably Slow Pace +$324 $1,817
Using A Cellphone While Driving +$342 $1,835
Running A Red Light +$348 $1,841
Speeding +$366 $1,859
Driving A Vehicle Without The Required Permission +$464 $1,957
Driving With An Expired/Suspended License +$1,006 $2,499

Estacada, 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 $1,433
Active Disabling Device $1,433
Tracking Device $1,403
Passive Disabling Device $1,388

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

Aaa
Premium is almost the lowest compared with other companies it could be lower though and may be due people filing numerous claims in my area.