St. Paul Auto Insurance Rates, Quotes, Agents & Reviews in OR

St. Paul, OR Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in St. Paul, 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 St. Paul, 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.


St. Paul, OR Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

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

St. Paul Butteville Woodburn Gervais Dayton Hubbard
Average Insurance Rates $1,527 $1,607 $1,177 $1,391 $1,413 $1,432

St. Paul, 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 St. Paul, 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)
St. Paul $1,508 $1,274
Dundee $993 $839
Donald $946 $799
Dayton $1,144 $967
Woodburn $2,030 $1,715
Butteville $1,872 $1,581
Hubbard $1,326 $1,120
Gervais $1,354 $1,144

St. Paul, OR Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in St. Paul, 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 $4,955
20 Years $1,962
30 Years $1,511
40 Years $1,454
50 Years $1,346
60 Years $1,365
70 Years $1,589

St. Paul, OR Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in St. Paul, 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 $2,657 $397
3 Vehicles $3,985 $596
4 Vehicles $5,314 $794

Savings on 2 Vehicles bundle:$397

Savings on 3 Vehicles bundle:$596

Savings on 4 Vehicles bundle:$794


St. Paul, 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 St. Paul, OR.

Location Average Insurance Cost Post DUI Insurance Rate
St. Paul $1,527 $2,284
Dundee $1,454 $2,175
Donald $1,402 $2,097
Dayton $1,413 $2,114
Woodburn $1,177 $1,761
Butteville $1,607 $2,404
Hubbard $1,432 $2,142
Gervais $1,391 $2,081

St. Paul, 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) $1,310
Excellent (740-799) $1,496
Good (670-739) $1,591
Average (580-669) $2,076
Poor (300-579) $2,491

St. Paul, 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 +$67 $1,594
Driver's Failure In Showing Documents +$148 $1,675
Driving With An Expired Registration +$157 $1,684
Driving At A Considerably Slow Pace +$331 $1,858
Using A Cellphone While Driving +$350 $1,877
Running A Red Light +$356 $1,883
Speeding +$374 $1,901
Driving A Vehicle Without The Required Permission +$475 $2,002
Driving With An Expired/Suspended License +$1,029 $2,556

St. Paul, 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 $1,466
Active Disabling Device $1,466
Tracking Device $1,435
Passive Disabling Device $1,420