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

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

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


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

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

Lincoln County Summit Lincoln Beach Siletz Eddyville Depoe Bay
Average Insurance Rates $1,437 $1,403 $1,447 $1,409 $1,444 $1,467

Lincoln 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 Lincoln 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)
Lincoln County $1,832 $1,548
Toledo $2,288 $1,932
Newport $1,502 $1,268
Siletz $1,488 $1,257
Eddyville $1,622 $1,370
Depoe Bay $1,560 $1,318
Summit $1,358 $1,147
Lincoln Beach $1,186 $1,001

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

Teenagers in Lincoln 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 $4,663
20 Years $1,846
30 Years $1,422
40 Years $1,368
50 Years $1,267
60 Years $1,285
70 Years $1,495

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

Car owners in Lincoln 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 $2,500 $374
3 Vehicles $3,751 $560
4 Vehicles $5,001 $747

Savings on 2 Vehicles bundle:$374

Savings on 3 Vehicles bundle:$560

Savings on 4 Vehicles bundle:$747


Lincoln 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 Lincoln County, OR.

Location Average Insurance Cost Post DUI Insurance Rate
Lincoln County $1,437 $2,150
Toledo $1,435 $2,147
Newport $1,433 $2,144
Siletz $1,409 $2,108
Eddyville $1,444 $2,160
Depoe Bay $1,467 $2,195
Summit $1,403 $2,099
Lincoln Beach $1,447 $2,165

Lincoln 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) $1,233
Excellent (740-799) $1,407
Good (670-739) $1,497
Average (580-669) $1,954
Poor (300-579) $2,344

Lincoln 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
Fullhart Insurance Agency Travelers 680 NW HEMLOCK, WALDPORT, 97394 541-563-3241
Jeff Schrantz State Farm 313 SW 2nd St Ste A, Newport, 97365-3800 541-265-2011
Ted Ferry State Farm 2005 State St, Salem, 97301-4349 503-370-7716
Dave Zech State Farm 321 Holly St, Junction City, 97448-1331 541-998-8034
Greg Wells Insurance Ltd None 1061 Ne Avery, Newport, 97365 None
Allen & Associates Ins Inc Nationwide 433 3rd St SE, Albany, 97321-2860 (541) 967-7283
Richard G. Hansen Allstate 1192 Liberty Cir S, Salem, 97306 (503) 371-6857
Siefarth Insurance Services Inc Travelers 280 COURT ST NE STE 220, SALEM, 97301 503-540-3180
Mitch Grant Farmers 930 25th St SE, Salem, 97301 (503) 399-1077

Lincoln 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 +$63 $1,500
Driver's Failure In Showing Documents +$139 $1,576
Driving With An Expired Registration +$148 $1,585
Driving At A Considerably Slow Pace +$312 $1,749
Using A Cellphone While Driving +$329 $1,766
Running A Red Light +$335 $1,772
Speeding +$352 $1,789
Driving A Vehicle Without The Required Permission +$447 $1,884
Driving With An Expired/Suspended License +$969 $2,406

Lincoln 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 $1,380
Active Disabling Device $1,380
Tracking Device $1,351
Passive Disabling Device $1,336