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

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

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

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

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

Lafayette Dayton Dayton-Amity Yamhill McMinnville St. Paul
Average Insurance Rates $1,420 $1,413 $1,448 $1,451 $1,437 $1,527

Lafayette, 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 Lafayette, 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)
Lafayette $1,577 $1,332
Dayton $1,144 $967
Dundee $993 $839
McMinnville $976 $825
Newberg $1,729 $1,461
Yamhill $1,408 $1,189
Dayton-Amity $1,713 $1,447
St. Paul $1,508 $1,274

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

Teenagers in Lafayette, 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 $4,608
20 Years $1,825
30 Years $1,405
40 Years $1,352
50 Years $1,252
60 Years $1,270
70 Years $1,478

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

Car owners in Lafayette, 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 $2,442 $398
3 Vehicles $3,664 $596
4 Vehicles $4,885 $795

Savings on 2 Vehicles bundle:$398

Savings on 3 Vehicles bundle:$596

Savings on 4 Vehicles bundle:$795

Lafayette, 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 Lafayette, OR.

Location Average Insurance Cost Post DUI Insurance Rate
Lafayette $1,420 $2,124
Dayton $1,413 $2,114
Dundee $1,454 $2,175
McMinnville $1,437 $2,150
Newberg $1,080 $1,616
Yamhill $1,451 $2,171
Dayton-Amity $1,448 $2,166
St. Paul $1,527 $2,284

Lafayette, 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) $1,218
Excellent (740-799) $1,391
Good (670-739) $1,480
Average (580-669) $1,930
Poor (300-579) $2,316

Lafayette, 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
Trevor Yates State Farm 201 N Meridian St Ste A, Newberg, 97132-2752 503-538-1414
Kbi Insurance Inc. Liberty Mutual Independent 18650 Sw Boones Ferry Rd, TUALATIN, 97062 (503) 692-1520
Kevin M. Fode Allstate 8101 SW Nyberg St Ste 208, Tualatin, 97062 (503) 691-0101
Susan Schibel State Farm 2911 Portland Rd Ste A, Newberg, 97132-1973 503-538-3159
Gregg Hottmann State Farm 215 E 1st St Ste B, Newberg, 97132-2939 503-554-1200
Tyler Evans State Farm 11525 SW Durham Rd Ste D4, Tigard, 97224-3475 503-620-8020
Miller Insurance Inc Liberty Mutual Independent 8100 SW NYBERG ST STE 295, TUALATIN, 97062 503-692-6580
Wayne Nishimura State Farm 14780 SW Osprey Dr Ste 246, Beaverton, 97007-8424 503-579-3005
Maybo Yen Allstate 2448 SE 89th Ave Ste 3A, Portland, 97216 (503) 408-8989
Mike Gopsha Allstate 11050 SE Powell Blvd Ste 370, Portland, 97266 (503) 244-7103
Chris Edar-Allred Liberty Mutual 4949 Sw Meadows Road Ste 650, Lake Oswego, 97035 1-503-675-7600

Lafayette, 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 $1,482
Driver's Failure In Showing Documents +$138 $1,558
Driving With An Expired Registration +$146 $1,566
Driving At A Considerably Slow Pace +$308 $1,728
Using A Cellphone While Driving +$325 $1,745
Running A Red Light +$331 $1,751
Speeding +$348 $1,768
Driving A Vehicle Without The Required Permission +$442 $1,862
Driving With An Expired/Suspended License +$957 $2,377

Lafayette, 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 $1,363
Active Disabling Device $1,363
Tracking Device $1,335
Passive Disabling Device $1,321