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

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

Zimlon, through its research, found that car owners in Rainier, 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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Discounts Available on Car Insurance in Rainier, OR

The average cost of car insurance in Rainier, OR, is $1,433. Compared to neighbouring cities like Prescott($1,429), Goble ($1445), West Side Highway ($1199), Longview ($1031), and others, car drivers can obtain similar car insurance rates in Rainier, OR. You can learn about the minimum coverage requirements in your state by researching. The necessary coverage, however, may differ from one driver to the next and from one insurer to another. Zimlon has compiled a list of car insurance providers in Rainier, OR after comparing quotes from the city's top car insurance providers.

List of Car Insurance Companies in Rainier, OR

Saving money on auto insurance doesn't have to be difficult in Rainier. The easiest method to find the most affordable rates is to compare prices from different companies and pick the one that best suits your coverage requirements. See the list below to find affordable auto insurance in Rainier, Oregon.

Car Insurance Rates Based on Age 

Car insurance rates in Rainier, OR, vary based on the driver's age. For example, a teenage driver can expect to pay about $4,650 per year for car insurance, while a 40-year-old driver will pay only $1,364 per year. This is because younger drivers are considered to be more of a risk by insurance companies and, thus, are charged higher rates. However, drivers can do a few things to help offset the cost of car insurance, such as shopping around for the best rates, taking advantage of discounts, and maintaining a good driving record. 

Car Insurance Rates Based on Credit History

Insurance companies in Rainier, OR, take into account the credit score when calculating auto insurance premiums. Insurance costs will be high for car owners with poor credit scores (300-579). One might get discounts on insurance and other products if they have a good credit score. So, make an effort to keep your credit score high. For instance, auto owners with exceptional credit scores pay $1,229 for auto insurance in Rainier, OR. In contrast, car owners with poor credit scores pay $2,337 for car insurance in Rainier, OR.

Factors that can influence the cost of car insurance in Rainier, 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.

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

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

Rainier Prescott Goble West Side Highway Longview Longview-Kelso
Average Insurance Rates $1,433 $1,429 $1,445 $1,199 $1,031 $1,191

Rainier, 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 Rainier, 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)
Rainier $1,764 $1,490
Longview $993 $839
Longview-Kelso $1,575 $1,330
Prescott $1,610 $1,360
Kelso $1,474 $1,245
Longview Heights $1,464 $1,236
West Side Highway $954 $806
Goble $1,377 $1,163

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

Teenagers in Rainier, 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 $4,650
20 Years $1,841
30 Years $1,418
40 Years $1,364
50 Years $1,264
60 Years $1,281
70 Years $1,491

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

Car owners in Rainier, 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 $2,493 $373
3 Vehicles $3,740 $559
4 Vehicles $4,987 $745

Savings on 2 Vehicles bundle:$373

Savings on 3 Vehicles bundle:$559

Savings on 4 Vehicles bundle:$745

Rainier, 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 Rainier, OR.

Location Average Insurance Cost Post DUI Insurance Rate
Rainier $1,433 $2,144
Longview $1,031 $1,655
Longview-Kelso $1,191 $1,912
Prescott $1,429 $2,138
Kelso $1,173 $1,883
Longview Heights $1,555 $2,496
West Side Highway $1,199 $1,924
Goble $1,445 $2,162

Rainier, 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) $1,229
Excellent (740-799) $1,403
Good (670-739) $1,493
Average (580-669) $1,948
Poor (300-579) $2,337

Rainier, 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
Rita Semling Allstate 521 S Columbia River Hwy, Saint Helens, 97051 (503) 397-3976
James Dias Farmers 2504 Sykes Rd, St Helens, 97051 (503) 397-4259
Paul Barton State Farm 18041 SW Lw Bns Fry Rd Ste 5, Tigard, 97224-7285 503-684-1904
Rich Ulring State Farm 1513 SW Marlow Ave, Portland, 97225-5144 503-297-1729
Larry Choruby Allstate 3200 SE Oak Grove Blvd, Milwaukie, 97267 (503) 659-1731
Lower Columbia Ins Allstate 202 A Street East, Ranier, 97048 (503) 556-3739
Brian Sanders State Farm 11800 SE Sunnyside Rd, Clackamas, 97015-9308 503-698-8888
Matt Elliott Farmers 4504 SW Corbett Ave Ste 100, Portland, 97239 (503) 683-2834
David Cox Farmers 15220 NW Laidlaw Rd Ste 260, Portland, 97229 (503) 403-0181
Lloyd Purdy & Co Travelers 2015 LLOYD CENTER, PORTLAND, 97232 503-287-1193

Rainier, 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 $1,496
Driver's Failure In Showing Documents +$139 $1,572
Driving With An Expired Registration +$148 $1,581
Driving At A Considerably Slow Pace +$311 $1,744
Using A Cellphone While Driving +$328 $1,761
Running A Red Light +$334 $1,767
Speeding +$351 $1,784
Driving A Vehicle Without The Required Permission +$446 $1,879
Driving With An Expired/Suspended License +$966 $2,399

Rainier, 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 $1,376
Active Disabling Device $1,376
Tracking Device $1,347
Passive Disabling Device $1,333