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

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

Zimlon, through its research, found that car owners in Gearhart, 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 Gearhart, 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.

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

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

Gearhart Warrenton Seaside Jeffers Gardens Clatsop County Chinook
Average Insurance Rates $1,476 $1,428 $1,482 $1,386 $1,397 $1,561

Gearhart, 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 Gearhart, 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)
Gearhart $1,813 $1,531
Astoria $2,307 $1,949
Jeffers Gardens $1,513 $1,278
Seaside $1,820 $1,537
Warrenton $1,357 $1,146
Cannon Beach $1,967 $1,662
Clatsop County $980 $827
Chinook $1,458 $1,232

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

Teenagers in Gearhart, 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 $4,789
20 Years $1,896
30 Years $1,461
40 Years $1,405
50 Years $1,302
60 Years $1,320
70 Years $1,536

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

Car owners in Gearhart, 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 $2,539 $413
3 Vehicles $3,808 $620
4 Vehicles $5,077 $827

Savings on 2 Vehicles bundle:$413

Savings on 3 Vehicles bundle:$620

Savings on 4 Vehicles bundle:$827

Gearhart, 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 Gearhart, OR.

Location Average Insurance Cost Post DUI Insurance Rate
Gearhart $1,476 $2,208
Astoria $1,450 $2,169
Jeffers Gardens $1,386 $2,073
Seaside $1,482 $2,217
Warrenton $1,428 $2,136
Cannon Beach $1,569 $2,347
Clatsop County $1,397 $2,090
Chinook $1,561 $2,506

Gearhart, 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) $1,266
Excellent (740-799) $1,446
Good (670-739) $1,538
Average (580-669) $2,007
Poor (300-579) $2,408

Gearhart, 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
Jeremy Mills State Farm 815 S Holladay Dr, Seaside, 97138-6608 503-738-6100
Aaa - North Coast Travelers 135 S HWY 101, WARRENTON, 97146 503-222-6748
Dave Hollandsworth State Farm 1808 2nd St, Tillamook, 97141-2209 503-842-2771
Knutsen Insurance Liberty Mutual Independent 3410 Highway 101 N, Gearhart, 97138 (503) 738-8455
Clatskanie Ins Agy Allstate 315 E Columbia River Highway, Clatskanie, 97016 (503) 728-2193
Arthur Strand Ins Allstate 953 Bridge St, Vernonia, 97064 (360) 642-2345

Gearhart, 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 +$65 $1,541
Driver's Failure In Showing Documents +$143 $1,619
Driving With An Expired Registration +$152 $1,628
Driving At A Considerably Slow Pace +$320 $1,796
Using A Cellphone While Driving +$338 $1,814
Running A Red Light +$344 $1,820
Speeding +$362 $1,838
Driving A Vehicle Without The Required Permission +$459 $1,935
Driving With An Expired/Suspended License +$995 $2,471

Gearhart, 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 $1,417
Active Disabling Device $1,417
Tracking Device $1,387
Passive Disabling Device $1,373