Cheapest and Best Car Insurance in Gresham, OR (August 2024)

In Gresham, Oregon, COUNTRY Financial provides the lowest minimum and full coverage insurance rates. For families with teens, Nationwide is the most affordable option. Capital Insurance Group is the top choice for exceptional customer service and overall value.

COUNTRY Financial offers the most affordable minimum coverage car insurance in Gresham, followed by Progressive.

• COUNTRY Financial: $674 per year
• Progressive: $706 per year

Dairyland's minimum coverage policy is the most expensive at $3,686 annually. The $3,012 difference from COUNTRY Financial underscores the importance of comparing rates to find the best deal.

In Oregon, all cities follow state minimum car insurance coverage requirements:

• $25,000 bodily injury per person
  
• $50,000 bodily injury per accident
  
• $20,000 property damage liability per accident
  
• $25,000 uninsured motorist bodily injury per person
  
• $50,000 uninsured motorist bodily injury per accident
  
• $15,000 personal injury protection (PIP) per person
  

For instance, if you're at fault in an accident and the other party's injuries total $30,000, your minimum coverage would pay up to $25,000 for one person’s injuries. You'd be responsible for the remaining $5,000.

COUNTRY Financial offers the cheapest full coverage car insurance in Gresham. Here are the two most affordable providers:

• COUNTRY Financial: $1,175 per year
• Progressive: $1,323 per year

Dairyland offers the most expensive full coverage policy at $5,619 per year, which is $4,444 more than COUNTRY Financial. This big difference shows why it's important to compare rates to avoid paying too much for full coverage. Full coverage includes comprehensive and collision insurance, plus the benefits of minimum coverage.

A full coverage policy includes comprehensive coverage for damage to your vehicle and collision coverage. It usually also includes increased liability limits.

• Collision insurance covers your vehicle against accidents involving other vehicles, objects like trees or light poles, rollovers and pothole damage.
• Comprehensive insurance covers non-collision incidents that cause vehicle damage or loss, such as theft, natural disasters and collisions with animals like deer.

Selecting full coverage insurance is wise for new cars to protect your investment. For older vehicles, the cost of additional coverage outweighs the benefits, adding hundreds to your premiums. If you lease or loan a car, full coverage is required.

To know how much car insurance you need, weigh the pros of increased protection against the cost of higher premiums. This balance is crucial, as lower coverage could leave you underinsured.

The cheapest car insurance options for drivers with violations in Gresham vary by the driving offense. Here are the cheapest rates for each violation:

• Speeding ticket: COUNTRY Financial ($1,529 per year)
• At-fault accident: American Family ($1,674 per year)
• DUI: Progressive ($1,563 per year)

Dairyland has the highest rates for all three infractions. The annual rate difference between COUNTRY Financial, the cheapest after a speeding ticket, and Progressive, the cheapest after a DUI, is $34. This shows that while driving offenses affect insurance rates, the difference may sometimes be slight.

In Gresham, insurance premiums rise with the severity of driving violations because insurers see these as signs of higher risk. Drivers with a DUI typically pay about $3,488 per year, while those with a speeding ticket pay around $3,030. Given these differences, those with driving offenses must carefully compare insurance quotes to find the most affordable coverage.

Nationwide offers the cheapest car insurance for teens in Gresham. These lowest rates reflect a policy covering two parents with a teenage driver:

• Nationwide: $1,492 per year for female teens and $1,600 per year for male teens
• State Farm: $1,674 per year for female teens
• Allstate: $1,821 per year for male teens

In Gresham, the costliest family policy for insuring a teen is with Capital Insurance Group, at $3,801 per year for females and $3,625 for males. The $2,309 difference between the cheapest and most expensive rates for female teens highlights the importance of shopping around for insurance. Teens are considered high-risk drivers, so comparing quotes can lead to significant savings.

In Gresham, teens face a huge difference in car insurance premiums between individual policies and family plans. On average, a teen's individual policy costs around $7,237 per year, while a family plan costs about $2,517 annually. This nearly $4,720 difference is because insurers see individual teen drivers as higher risk due to their inexperience and higher accident rates. As a result, individual policies can be costly and complicated to get without prior coverage or an adult co-signer.

USAA is the top option in Gresham for those seeking the cheapest car insurance for military backgrounds. Here’s how it compares:

• USAA: $1,054 per year
• COUNTRY Financial: $1,175 per year

USAA also provides services specifically for active-duty military members. Known for its excellent customer service and comprehensive coverage options, USAA is a strong choice for those seeking value and quality in their car insurance.

Comparing rates helps you save on car insurance in Gresham. However, it can take about 15 minutes per insurer and up to over an hour for three or more companies. MoneyGeek's car insurance calculator can help make the process much easier. Enter key details like age, driving history, credit rating and coverage preferences to get an instant estimate.

Choosing the right auto insurance depends on how you prioritize factors like service, cost and coverage. In Gresham, Capital Insurance Group leads in all categories with top MoneyGeek scores.

• Best overall: 90 out of 100
• Best for service: 84 out of 100
• Best cheap: 89 out of 100

Capital Insurance Group stands out for its exceptional balance of overall value, quality service and affordability.

Capital Insurance Group offers the best car insurance in Gresham. Drivers can find top-tier coverage and customer satisfaction from two leading providers:

• Capital Insurance Group: MoneyGeek score of 90 out of 100 ($1,392 per year)
• American Family: MoneyGeek score of 83 out of 100 ($1,325 per year)

Capital Insurance Group excels at customer satisfaction and claims handling. With the highest MoneyGeek score, it offers full coverage policies that ensure financial protection and a reassuring service experience for policyholders.

Capital Insurance Group is the best option in Gresham for customer-centric car insurance.

• Capital Insurance Group: MoneyGeek score of 84 out of 100 ($1,392 per year)
• American Family: MoneyGeek score of 79 out of 100 ($1,325 per year)

Capital Insurance Group leads with the highest MoneyGeek score, reflecting exceptional satisfaction and claims service. This makes it the best option for those prioritizing service quality over cost.

Capital Insurance Group is the top choice in Gresham for affordable car insurance that doesn’t skimp on quality. It provides a great balance of cost, satisfaction and claims handling.

• Capital Insurance Group: MoneyGeek score of 89 out of 100 ($851 per year)
• American Family: MoneyGeek score of 84 out of 100 ($975 per year)

Capital Insurance Group's high MoneyGeek score in minimum coverage policies highlights its excellence in affordability and service. This makes it suitable for budget-conscious Gresham drivers who want reliable car insurance.

The average car insurance cost in Gresham is $1,698, which is $268 more than Oregon's average of $1,430. The state average is also below the national average of $1,781 by $351.

Location greatly impacts insurance rates due to varying risks like theft, accidents and vandalism. For example, Portland has the highest premium in Oregon at $1,744, while Eugene has the lowest at $1,160, showing a difference of $584. Urban areas with heavy traffic generally have higher rates, while less dense areas often have lower premiums.