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

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

Zimlon, through its research, found that car owners in Gresham, 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 Influencing the Cost of Car Insurance in Gresham, OR

The average cost of auto insurance in Gresham, OR, is $1,281. This is much lower than the cost of insurance in neighboring places such as Troutdale, Wood Village, and Damascus. Several factors can affect the cost of auto insurance in Gresham. A thorough comparison of different auto insurance quotes will help car owners obtain an insurance quote that best suits their coverage needs. Zimlon also offers the option of keying in one’s zip code to get accurate auto insurance quotes.

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Some of the factors that could increase the cost of auto insurance are as follows:

Age of the Driver:

The driver’s age is an important factor in determining the cost of auto insurance in Gresham, OR. The average cost of auto insurance for teenagers here is a massive $4,157. This is more than thrice the amount paid by a 50-year-old driver ($1,130) in Gresham, OR. The cost of auto insurance decreases with an increase in driving experience. Moreover, teenagers pay the most on auto insurance in almost every city in the country. 

Deductibles:

This is one of the most common factors influencing the cost of auto insurance in Gresham, OR. A low deductible ($500) usually results in an increase in the cost of auto insurance, while a high deductible ($1,000) translates to a decrease in the cost of auto insurance. The average cost of auto insurance when the deductible is $500 is $1,781 and it increases to $1,504 when the deductible is $1,000.

DUI:

DUIs can prove to be extremely expensive to car owners in every city of the country. This can have a lasting impact on insurance rates as well. The cost of auto insurance post-DUI in Gresham can be as high as $1,916. 

Credit Score:

A low credit score could also mean an increase in the cost of auto insurance. Moreover, auto insurance increases when the credit score is “poor” or “average”. The average cost of auto insurance when the credit score is “exceptional” is $1,099. It increases to $2,089 and $1,741 when the score is “poor” and “average”.

Driving Violations:

Driving Violations such as driving with an expired license or speeding can also have a severe impact on the cost of auto insurance in Gresham, OR, mainly because it increases the amount of risk being covered by insurers. Speeding can increase the cost of auto insurance by $314, while it can increase by $863 if the driver is caught driving with an expired license. 

Other factors that could make auto insurance expensive include not using anti-theft equipment. Comparing quotes is of utmost importance to reduce the cost of auto insurance in the city.

 

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


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

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

Gresham Washougal Troutdale Multnomah County Wood Village Damascus
Average Insurance Rates $1,281 $1,236 $1,451 $1,271 $1,384 $1,521

Gresham, 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 Gresham, 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)
Gresham $1,781 $1,504
Wood Village $1,103 $932
Troutdale $1,408 $1,189
Multnomah County $1,535 $1,296
Fairview $3,049 $2,575
Washougal $1,363 $1,151
Damascus $1,358 $1,147
Happy Valley $1,826 $1,543

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

Teenagers in Gresham, 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 $4,157
20 Years $1,646
30 Years $1,268
40 Years $1,220
50 Years $1,130
60 Years $1,145
70 Years $1,333

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

Car owners in Gresham, 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 $2,178 $384
3 Vehicles $3,267 $576
4 Vehicles $4,355 $769

Savings on 2 Vehicles bundle:$384

Savings on 3 Vehicles bundle:$576

Savings on 4 Vehicles bundle:$769


Gresham, 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 Gresham, OR.

Location Average Insurance Cost Post DUI Insurance Rate
Gresham $1,281 $1,916
Wood Village $1,384 $2,070
Troutdale $1,451 $2,171
Multnomah County $1,271 $1,901
Fairview $1,445 $2,162
Washougal $1,236 $1,984
Damascus $1,521 $2,275
Happy Valley $1,562 $2,337

Gresham, 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) $1,099
Excellent (740-799) $1,255
Good (670-739) $1,335
Average (580-669) $1,741
Poor (300-579) $2,089

Gresham, 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
Heidi Doebel Allstate 15733 SE Happy Vly Twn Ctr Dr, Happy Valley, 97086 (503) 558-8065
Julie Cooper Farmers 4828 SE Hawthorne Blvd Ste 100, Portland, 97215 (503) 227-1300
Chet Hill Insurance Liberty Mutual Independent 10402 Ne Sandy Blvd, Portland, 97220 None
Marc Skinner Allstate 10415 SE Stark St Ste C, Portland, 97216 (503) 255-5364
Rick Stubblefield Farmers 701 NE Division St, Gresham, 97030 (503) 667-4600
Diana Koelling Farmers 437 SE 85th Ave, Portland, 97216 (503) 252-6171
Krupke Insurance Agency Inc Liberty Mutual Independent 1217 NE BURNSIDE RD STE 403, GRESHAM, 97030 (503) 665-8600
Lowell Yost Lutcf Farmers 9945 SE Oak St, Portland, 97216 (503) 282-2909
Asher Insurance Services Inc Travelers 10011 SE DIVISION ST STE 300, PORTLAND, 97266 503-762-3470
Mariko Locke State Farm 5048a SE Hawthorne Blvd, Portland, 97215-3276 503-232-2444
C U Insurance Agency Llc Liberty Mutual Independent 1866 NE 162ND AVE, PORTLAND, 97230 (503) 251-2398

Gresham, 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 +$56 $1,337
Driver's Failure In Showing Documents +$124 $1,405
Driving With An Expired Registration +$132 $1,413
Driving At A Considerably Slow Pace +$278 $1,559
Using A Cellphone While Driving +$293 $1,574
Running A Red Light +$298 $1,579
Speeding +$314 $1,595
Driving A Vehicle Without The Required Permission +$398 $1,679
Driving With An Expired/Suspended License +$863 $2,144

Gresham, 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 $1,230
Active Disabling Device $1,230
Tracking Device $1,204
Passive Disabling Device $1,191

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

Progressive
Progressive also offers Union discounts as well as multiple vehicle, policy bundle for home and auto, as well as safe driver and good driving discounts
State Farm
They are very friendly and professional. During a accident, they can be reached very easily. They do not make you feel bad about the accident.
The Hartford
I had a faulty battery. Twice within a month, I needed a jump. It took the service company less than 40 minutes to take care of me. Throughout the whole process, I received text messages alerting me to the service man's arrival time.
The Hartford
I had a faulty battery. Twice within a month, I needed a jump. It took the service company less than 40 minutes to take care of me. Throughout the whole process, I received text messages alerting me to the service man's arrival time.
Travelers
I'm paying a good premium. My premium is much cheaper than my friends and family with similar cars than mine
Progressive
The customer service at Allstate is top notch. When speaking with the representatives they are always courteous and knowledgeable. Training your employees to be cautionary and sympathetic goes a long way.
Amica Mutual Insurance
The prices of the company for comparable coverage are too high. The add-ons like car rental during repairs were priced way too high. Since they don't have a local office, every transaction needed to be conducted either online or by email.
American Family Insurance
I mostly email our insurance agent with anything I need to talk to them about, I also talk with him on the phone when necessary because his office isn't real close to where we live. There is not really anything I dislike about our auto insurance company.