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

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

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

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

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

Heppner Morrow County Lexington
Average Insurance Rates $1,378 $1,385 $1,368

Heppner, 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 Heppner, 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)
Heppner $1,213 $1,025
Morrow County $1,086 $917
Lexington $1,691 $1,429

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

Teenagers in Heppner, 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 $4,471
20 Years $1,771
30 Years $1,364
40 Years $1,312
50 Years $1,215
60 Years $1,232
70 Years $1,434

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

Car owners in Heppner, 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 $2,425 $331
3 Vehicles $3,638 $496
4 Vehicles $4,851 $661

Savings on 2 Vehicles bundle:$331

Savings on 3 Vehicles bundle:$496

Savings on 4 Vehicles bundle:$661

Heppner, 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 Heppner, OR.

Location Average Insurance Cost Post DUI Insurance Rate
Heppner $1,378 $2,061
Morrow County $1,385 $2,072
Lexington $1,368 $2,046

Heppner, 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) $1,182
Excellent (740-799) $1,350
Good (670-739) $1,436
Average (580-669) $1,873
Poor (300-579) $2,248

Heppner, 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
Simmons Insurance Group Travelers 702 MAIN ST, HERMISTON, 97838 541-567-6271
Bisnett Insurance Liberty Mutual Independent 121 S MAIN ST, PENDLETON, 97801 541-276-1418
Wheatland Insurance Center Travelers 294 N MAIN, HEPPNER, 97836 541-676-9113
The Simmons Agency Inc Liberty Mutual Independent 702 E MAIN ST, HERMISTON, 97838 (541) 567-6271
Simmons Agcy Inc Allstate 1731 Sw Court Ave, Pendleton, 97801 (541) 276-1544
Wheatland Insurance Center Inc Travelers 455 E MAIN ST, HERMISTON, 97838 541-567-8834

Heppner, 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 $1,439
Driver's Failure In Showing Documents +$134 $1,512
Driving With An Expired Registration +$142 $1,520
Driving At A Considerably Slow Pace +$299 $1,677
Using A Cellphone While Driving +$316 $1,694
Running A Red Light +$321 $1,699
Speeding +$338 $1,716
Driving A Vehicle Without The Required Permission +$429 $1,807
Driving With An Expired/Suspended License +$929 $2,307

Heppner, 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 $1,323
Active Disabling Device $1,323
Tracking Device $1,295
Passive Disabling Device $1,282