Prairie City Auto Insurance Rates, Quotes, Agents & Reviews in OR

Prairie City, OR Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Prairie City, 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 Prairie City, 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.


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

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

Prairie City Greenhorn Canyon City Grant County
Average Insurance Rates $1,397 $1,911 $1,382 $1,398

Prairie City, 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 Prairie City, 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)
Prairie City $1,529 $1,291
Greenhorn $1,962 $1,657
Canyon City $931 $786
Grant County $1,651 $1,395

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

Teenagers in Prairie City, 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 $4,533
20 Years $1,795
30 Years $1,383
40 Years $1,330
50 Years $1,232
60 Years $1,249
70 Years $1,454

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

Car owners in Prairie City, 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 $2,375 $419
3 Vehicles $3,562 $629
4 Vehicles $4,750 $838

Savings on 2 Vehicles bundle:$419

Savings on 3 Vehicles bundle:$629

Savings on 4 Vehicles bundle:$838


Prairie City, 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 Prairie City, OR.

Location Average Insurance Cost Post DUI Insurance Rate
Prairie City $1,397 $2,090
Greenhorn $1,911 $2,859
Canyon City $1,382 $2,067
Grant County $1,398 $2,091

Prairie City, 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) $1,199
Excellent (740-799) $1,368
Good (670-739) $1,456
Average (580-669) $1,899
Poor (300-579) $2,279

Prairie City, 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
Nathan Steffl Farmers 342 W Main St, John Day, 97845 (541) 575-3518
Nick Conklin State Farm 2307 Main St, Baker City, 97814-2563 541-523-7733
Gregg Hinrichsen State Farm 1722 Campbell St, Baker City, 97814-2148 541-523-7778
Jeanette Hueckman State Farm 101 W Main St, John Day, 97845-1024 541-575-2073
Bisnett Insurance Inc Liberty Mutual Independent 1798 CAMPBELL ST, BAKER CITY, 97814 541-523-4267
Payne West Insurance Inc Liberty Mutual Independent 2001 Main St, Baker City, 97814 (541) 523-4411

Prairie City, 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 $1,458
Driver's Failure In Showing Documents +$136 $1,533
Driving With An Expired Registration +$144 $1,541
Driving At A Considerably Slow Pace +$303 $1,700
Using A Cellphone While Driving +$320 $1,717
Running A Red Light +$326 $1,723
Speeding +$342 $1,739
Driving A Vehicle Without The Required Permission +$434 $1,831
Driving With An Expired/Suspended License +$942 $2,339

Prairie City, 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 $1,341
Active Disabling Device $1,341
Tracking Device $1,313
Passive Disabling Device $1,299