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

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

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


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

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

Morrow County Lexington Ione-Lexington Ione Heppner
Average Insurance Rates $1,385 $1,368 $1,394 $1,376 $1,378

Morrow 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 Morrow 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)
Morrow County $1,086 $917
Lexington $1,691 $1,429
Ione-Lexington $1,496 $1,263
Ione $1,397 $1,180
Heppner $1,213 $1,025

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

Teenagers in Morrow 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 $4,494
20 Years $1,780
30 Years $1,371
40 Years $1,319
50 Years $1,221
60 Years $1,238
70 Years $1,441

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

Car owners in Morrow 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 $2,355 $416
3 Vehicles $3,532 $623
4 Vehicles $4,709 $831

Savings on 2 Vehicles bundle:$416

Savings on 3 Vehicles bundle:$623

Savings on 4 Vehicles bundle:$831


Morrow 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 Morrow County, OR.

Location Average Insurance Cost Post DUI Insurance Rate
Morrow County $1,385 $2,072
Lexington $1,368 $2,046
Ione-Lexington $1,394 $2,085
Ione $1,376 $2,058
Heppner $1,378 $2,061

Morrow 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) $1,188
Excellent (740-799) $1,356
Good (670-739) $1,443
Average (580-669) $1,883
Poor (300-579) $2,259

Morrow 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
Wheatland Insurance Center Travelers 294 N MAIN, HEPPNER, 97836 541-676-9113
Wheatland Insurance Center Inc Travelers 245 NW MAIN STE 100, IONE, 97843 541-422-7410
The Simmons Agency Inc., Dba Simmons Financial Group None 702 E Main, Hermiston, 97838 (541) 567-6367
The Simmons Agency, Inc. None P O Box 909 , Boardman, 97818 None
Simmons Agcy Inc Allstate 1731 Sw Court Ave, Pendleton, 97801 (541) 276-1544

Morrow 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 +$61 $1,446
Driver's Failure In Showing Documents +$134 $1,519
Driving With An Expired Registration +$143 $1,528
Driving At A Considerably Slow Pace +$301 $1,686
Using A Cellphone While Driving +$317 $1,702
Running A Red Light +$323 $1,708
Speeding +$339 $1,724
Driving A Vehicle Without The Required Permission +$431 $1,816
Driving With An Expired/Suspended License +$933 $2,318

Morrow 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 $1,330
Active Disabling Device $1,330
Tracking Device $1,302
Passive Disabling Device $1,288