Jefferson County Auto Insurance Rates, Quotes, Agents & Reviews in OR

Jefferson County, OR Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Jefferson County, 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 Jefferson County, 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.


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

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

Jefferson County Ashwood Warm Springs Madras Metolius Culver
Average Insurance Rates $1,410 $1,548 $1,376 $1,400 $1,355 $1,416

Jefferson County, 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 Jefferson County, 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)
Jefferson County $1,490 $1,259
Metolius $1,300 $1,098
Madras $2,276 $1,923
Culver $1,807 $1,526
Warm Springs $1,039 $878
Ashwood $1,708 $1,442

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

Teenagers in Jefferson County, 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 $4,575
20 Years $1,812
30 Years $1,395
40 Years $1,343
50 Years $1,243
60 Years $1,261
70 Years $1,467

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

Car owners in Jefferson County, 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 $395
3 Vehicles $3,638 $592
4 Vehicles $4,850 $790

Savings on 2 Vehicles bundle:$395

Savings on 3 Vehicles bundle:$592

Savings on 4 Vehicles bundle:$790


Jefferson County, 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 Jefferson County, OR.

Location Average Insurance Cost Post DUI Insurance Rate
Jefferson County $1,410 $2,109
Metolius $1,355 $2,027
Madras $1,400 $2,094
Culver $1,416 $2,118
Warm Springs $1,376 $2,058
Ashwood $1,548 $2,316

Jefferson County, 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) $1,210
Excellent (740-799) $1,381
Good (670-739) $1,469
Average (580-669) $1,917
Poor (300-579) $2,300

Jefferson County, 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
Payne West Madras Allstate 910 Sw Highway 97 Ste 300, Madras, 97741 (541) 475-2249
Central Oregon Ins Travelers 72 SW 4Th St, Madras, 97741 (541) 475-2215
Fullhart Insurance Of Sisters Liberty Mutual Independent 704 W HOOD AVE STE A, SISTERS, 97759 (541) 549-3172
Noble Insurance Solution Travelers 1303 NW GALVESTON AVE, BEND, 97701 541-318-5968
Rowdy Swafford Allstate 1350 SE Reed Market Rd Ste 201, Bend, 97702 (541) 318-8536
Smolich-Lobos Financial Services Llc Allstate 1865 Ne Highway 20, Bend, 97701 (541) 639-8684
Greg Elder State Farm 2115 NE Highway 20 Ste 106, Bend, 97701-7044 541-323-3900
Paynewest Insurance Inc. Liberty Mutual Independent 910 Sw Highway 97 Ste 300, MADRAS, 97741 (541) 475-2249
Mike Hornback State Farm 708 NW 3rd St, Prineville, 97754-1431 541-447-5524
Fred Hornback State Farm 1180 SE Division St Ste 2, Bend, 97702-1250 541-382-6828
Jason Rybka Farmers 257 S Pine St Ste 101, Sisters, 97759 (541) 588-6245

Jefferson County, 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 +$62 $1,472
Driver's Failure In Showing Documents +$137 $1,547
Driving With An Expired Registration +$145 $1,555
Driving At A Considerably Slow Pace +$306 $1,716
Using A Cellphone While Driving +$323 $1,733
Running A Red Light +$329 $1,739
Speeding +$345 $1,755
Driving A Vehicle Without The Required Permission +$439 $1,849
Driving With An Expired/Suspended License +$950 $2,360

Jefferson County, 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 $1,354
Active Disabling Device $1,354
Tracking Device $1,325
Passive Disabling Device $1,311