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

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

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


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

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

Vernonia North Plains Columbia County Warren Goble St. Helens
Average Insurance Rates $1,411 $1,531 $1,435 $1,509 $1,445 $1,438

Vernonia, 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 Vernonia, 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)
Vernonia $1,720 $1,453
Columbia County $2,213 $1,870
Clatskanie $1,341 $1,133
Goble $1,377 $1,163
St. Helens $1,471 $1,242
Warren $1,225 $1,034
North Plains $1,479 $1,249
Deer Island $1,807 $1,526

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

Teenagers in Vernonia, 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 $4,578
20 Years $1,813
30 Years $1,396
40 Years $1,344
50 Years $1,244
60 Years $1,262
70 Years $1,468

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

Car owners in Vernonia, 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 $2,427 $395
3 Vehicles $3,640 $593
4 Vehicles $4,854 $790

Savings on 2 Vehicles bundle:$395

Savings on 3 Vehicles bundle:$593

Savings on 4 Vehicles bundle:$790


Vernonia, 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 Vernonia, OR.

Location Average Insurance Cost Post DUI Insurance Rate
Vernonia $1,411 $2,111
Columbia County $1,435 $2,147
Clatskanie $1,415 $2,117
Goble $1,445 $2,162
St. Helens $1,438 $2,151
Warren $1,509 $2,257
North Plains $1,531 $2,290
Deer Island $1,754 $2,624

Vernonia, 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) $1,211
Excellent (740-799) $1,382
Good (670-739) $1,470
Average (580-669) $1,918
Poor (300-579) $2,302

Vernonia, 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 +$62 $1,473
Driver's Failure In Showing Documents +$137 $1,548
Driving With An Expired Registration +$145 $1,556
Driving At A Considerably Slow Pace +$306 $1,717
Using A Cellphone While Driving +$323 $1,734
Running A Red Light +$329 $1,740
Speeding +$346 $1,757
Driving A Vehicle Without The Required Permission +$439 $1,850
Driving With An Expired/Suspended License +$951 $2,362

Vernonia, 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 $1,355
Active Disabling Device $1,355
Tracking Device $1,326
Passive Disabling Device $1,312