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.
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 Rates
- Rainier, OR Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Rainier, OR
- Multi Vehicle Insurance Savings in Rainier, OR
- How Credit Score Affects Car Insurance Rates in Rainier, OR
- How DUI Affects Auto Insurance Premiums in Rainier, OR
- Top Auto Insurance Agents Near Rainier, OR
- How Driving Violations Affect Auto Insurance Rates in Rainier, OR
- Rainier, OR Auto Insurance Discounts on Anti Theft Feature
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 |