Warm Springs Auto Insurance Rates, Quotes, Agents & Reviews in OR

Warm Springs, OR Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Warm Springs, 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 Warm Springs, 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.


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

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

Warm Springs Grandview Jefferson County Madras Metolius
Average Insurance Rates $1,376 $1,479 $1,410 $1,400 $1,355

Warm Springs, 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 Warm Springs, 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)
Warm Springs $1,039 $878
Grandview $1,289 $1,088
Jefferson County $1,490 $1,259
Madras $2,276 $1,923
Metolius $1,300 $1,098

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

Teenagers in Warm Springs, 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 $4,465
20 Years $1,768
30 Years $1,362
40 Years $1,310
50 Years $1,213
60 Years $1,230
70 Years $1,432

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

Car owners in Warm Springs, 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 $2,367 $385
3 Vehicles $3,550 $578
4 Vehicles $4,733 $771

Savings on 2 Vehicles bundle:$385

Savings on 3 Vehicles bundle:$578

Savings on 4 Vehicles bundle:$771


Warm Springs, 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 Warm Springs, OR.

Location Average Insurance Cost Post DUI Insurance Rate
Warm Springs $1,376 $2,058
Grandview $1,479 $2,212
Jefferson County $1,410 $2,109
Madras $1,400 $2,094
Metolius $1,355 $2,027

Warm Springs, 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) $1,181
Excellent (740-799) $1,348
Good (670-739) $1,434
Average (580-669) $1,871
Poor (300-579) $2,244

Warm Springs, 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
James Chrisman State Farm 1288 SW Simpson Ave Ste B1, Bend, 97702-3196 541-388-9204
Cheri Towery Allstate 141 NW 6th St, Redmond, 97756 (541) 548-1416
Dan Peterson Allstate 174 NE Franklin Ave, Bend, 97701 (541) 382-6644
Mike Hornback State Farm 708 NW 3rd St, Prineville, 97754-1431 541-447-5524
Cascade Insurance Center Llc Liberty Mutual Independent 336 CYBER DR SW STE D 104, BEND, 97702 541-382-7772
Prineville Insurance Liberty Mutual Independent 297 NW 3RD ST, PRINEVILLE, 97754 541-447-6372
Christian Ministries Insurance None 24940 E Mckenzie Valley Ct , Welches, 97067 None
Jeremiah Pedersen Farmers 520 SW Evergreen Ave, Redmond, 97756 (541) 548-8194
Tye Farnsworth Allstate 1900 NE Division St Ste 111, Bend, 97701 (541) 318-8835

Warm Springs, 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 +$61 $1,437
Driver's Failure In Showing Documents +$133 $1,509
Driving With An Expired Registration +$142 $1,518
Driving At A Considerably Slow Pace +$299 $1,675
Using A Cellphone While Driving +$315 $1,691
Running A Red Light +$321 $1,697
Speeding +$337 $1,713
Driving A Vehicle Without The Required Permission +$428 $1,804
Driving With An Expired/Suspended License +$927 $2,303

Warm Springs, 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 $1,321
Active Disabling Device $1,321
Tracking Device $1,293
Passive Disabling Device $1,280