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

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

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


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

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

Stafford Rivergrove Oak Grove Lake Oswego Gladstone West Linn
Average Insurance Rates $1,754 $1,659 $1,465 $1,134 $1,444 $1,550

Stafford, 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 Stafford, 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)
Stafford $2,163 $1,827
West Linn $1,495 $1,262
Lake Oswego $1,427 $1,205
Rivergrove $1,138 $961
Oak Grove $1,730 $1,462
Jennings Lodge $1,559 $1,317
Northwest Clackamas $1,769 $1,494
Gladstone $1,402 $1,184

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

Teenagers in Stafford, 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 $5,691
20 Years $2,254
30 Years $1,736
40 Years $1,670
50 Years $1,547
60 Years $1,568
70 Years $1,825

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

Car owners in Stafford, 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 $3,087 $421
3 Vehicles $4,631 $631
4 Vehicles $6,174 $842

Savings on 2 Vehicles bundle:$421

Savings on 3 Vehicles bundle:$631

Savings on 4 Vehicles bundle:$842


Stafford, 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 Stafford, OR.

Location Average Insurance Cost Post DUI Insurance Rate
Stafford $1,754 $2,624
West Linn $1,550 $2,319
Lake Oswego $1,134 $1,696
Rivergrove $1,659 $2,482
Oak Grove $1,465 $2,192
Jennings Lodge $1,454 $2,175
Northwest Clackamas $1,504 $2,250
Gladstone $1,444 $2,160

Stafford, 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) $1,505
Excellent (740-799) $1,718
Good (670-739) $1,828
Average (580-669) $2,384
Poor (300-579) $2,861

Stafford, 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 +$77 $1,831
Driver's Failure In Showing Documents +$170 $1,924
Driving With An Expired Registration +$181 $1,935
Driving At A Considerably Slow Pace +$381 $2,135
Using A Cellphone While Driving +$402 $2,156
Running A Red Light +$409 $2,163
Speeding +$430 $2,184
Driving A Vehicle Without The Required Permission +$545 $2,299
Driving With An Expired/Suspended License +$1,182 $2,936

Stafford, 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 $1,684
Active Disabling Device $1,684
Tracking Device $1,649
Passive Disabling Device $1,631