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

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

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


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

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

Polk County Monmouth-Independence Rickreall Willamina Dallas Independence
Average Insurance Rates $1,436 $1,418 $1,922 $1,425 $1,430 $1,402

Polk 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 Polk 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)
Polk County $1,077 $910
Dallas $1,761 $1,488
Falls City $2,194 $1,853
Rickreall $1,980 $1,672
Monmouth $2,076 $1,754
Independence $1,476 $1,247
Monmouth-Independence $2,251 $1,901
Willamina $1,586 $1,340

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

Teenagers in Polk 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 $4,660
20 Years $1,845
30 Years $1,421
40 Years $1,367
50 Years $1,266
60 Years $1,284
70 Years $1,494

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

Car owners in Polk 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 $2,441 $431
3 Vehicles $3,662 $646
4 Vehicles $4,882 $862

Savings on 2 Vehicles bundle:$431

Savings on 3 Vehicles bundle:$646

Savings on 4 Vehicles bundle:$862


Polk 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 Polk County, OR.

Location Average Insurance Cost Post DUI Insurance Rate
Polk County $1,436 $2,148
Dallas $1,430 $2,139
Falls City $1,448 $2,166
Rickreall $1,922 $2,875
Monmouth $1,426 $2,133
Independence $1,402 $2,097
Monmouth-Independence $1,418 $2,121
Willamina $1,425 $2,132

Polk 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) $1,232
Excellent (740-799) $1,406
Good (670-739) $1,496
Average (580-669) $1,952
Poor (300-579) $2,342

Polk 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
Molly Roberts Farmers 1250 Main St E Ste C, Monmouth, 97361 (503) 838-1199
Joseph Webb Allstate 525 Glen Creek Rd NW Ste 120, Salem, 97304 (503) 364-3424
Al Debacker State Farm 955 Market St NE, Salem, 97301-1131 503-371-4544
Barb Mylnechuk State Farm 1697 Monmouth St Ste 1, Independence, 97351-1108 503-606-0066
James Mckenna Farmers 156 SW Oak St, Dallas, 97338 (503) 623-5536
John Bledsoe Farmers 10211 SW Barbur Blvd Ste 106a, Portland, 97219 (503) 245-6674
W. B. Adams Company None 14737 Sw Millikan Way, Beaverton, 97006 None

Polk 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 $1,499
Driver's Failure In Showing Documents +$139 $1,575
Driving With An Expired Registration +$148 $1,584
Driving At A Considerably Slow Pace +$312 $1,748
Using A Cellphone While Driving +$329 $1,765
Running A Red Light +$335 $1,771
Speeding +$352 $1,788
Driving A Vehicle Without The Required Permission +$447 $1,883
Driving With An Expired/Suspended License +$968 $2,404

Polk 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 $1,379
Active Disabling Device $1,379
Tracking Device $1,350
Passive Disabling Device $1,335