Cheapest and Best Car Insurance Companies in Gresham, OR

State Farm offers affordable options for both minimum and full coverage auto insurance in Gresham, especially for drivers with at-fault accidents and speeding tickets. USAA is the best for military-affiliated drivers, while Nationwide is the most cost-effective option for teens. Your ideal insurance company will depend on your driver profile and specific needs.

The cheapest and best overall car insurance company in Gresham is Country Financial, while Capital Insurance Group stands out for its excellent customer service.

These providers offer consumers in Gresham the cheapest minimum coverage car insurance:

• State Farm: $594 per year
• Country Financial: $612 per year

Dairyland has the most expensive minimum coverage policy, charging $2,300 per year.

Country Financial offers the cheapest car insurance in Oregon, but rates vary depending on your location. The insurer’s average minimum coverage policy in Oregon costs $402 annually, making a similar policy in Gresham $192 more expensive.

Liability limits for minimum coverage are set by state law. Oregon's minimum car insurance requirements include:

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

These coverage amounts include up to $25,000 per person and $50,000 per accident for bodily injury and $20,000 for property damage liability. To be fully protected, you will also need personal injury protection (PIP) and uninsured/underinsured motorist coverage (UM/UIM). It’s important to note that minimum coverage only covers third-party losses; damages to your vehicle and personal injuries are not covered. You will be responsible for paying the remaining costs.

In MoneyGeek’s analysis, the following providers came out with the cheapest full coverage auto insurance in Gresham:

• State Farm: $984 per year
• Country Financial: $986 per year

Dairyland charges the highest rates in Gresham for full coverage, costing $3,617 per year. Country Financial provides Oregon's cheapest full coverage policy at $862 annually, $122 less than the lowest price in Gresham.

Full coverage policies are a great choice if you want complete security while saving money. This type of insurance includes the following features:

• Collision Insurance: Helps pay for damages to your car sustained in a collision with an object or another vehicle.
• Comprehensive Insurance: Covers car damages resulting from non-collision incidents like vandalism, theft or weather-related events.

While full coverage offers better financial stability, it may not be worth the additional cost for older vehicles. Consider the age and value of your car when deciding on the level of coverage you need.

For people with driving offenses, the same company offers Gresham's most affordable full coverage auto insurance rates:

• Speeding ticket: State Farm ($1,113 per year)
• At-fault accident: State Farm ($1,312 per year)
• DUI: State Farm ($1,113 per year)

Dairyland charges the highest annual rates for drivers with offenses: $4,470 for speeding tickets, $4,873 for at-fault accidents and $4,007 for DUIs. A bad driving record can result in much higher car insurance rates, even if you choose the cheapest insurance policy. Typically, drivers with a clean driving record will still pay less for car insurance than drivers with violations or accidents.

Insurance rates increase based on the seriousness of the traffic violation. For example, Gresham drivers with offenses on their records will pay an average of $665 more for full coverage car insurance than those with clean driving records. Fortunately, by comparing quotes from many different providers, finding cheap auto insurance with a poor driving record is still possible.

The cheapest auto insurers for teenage drivers on a family policy in Gresham are:

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

Capital Insurance Group charges the highest rates in Gresham for female and male teens at $3,801 and $3,625, respectively.

Insurance companies typically charge male teenagers more than female teenagers because they are often considered higher-risk drivers, although this is not always the case. Nationwide's teen rates show a noticeable $115 difference, with females paying $1,592 and males paying $1,707 annually. Remember to compare quotes to find the best option for you.

Teenagers may face higher expenses when purchasing auto insurance on their own, which is why adding them to a family policy is a smart way to save money. Additionally, teens aren’t legally allowed to buy insurance with a parent or guardian co-signer until they’re 18.

In Gresham, the annual difference between an individual and family premium for a teenager is $3,237. Families can find the cheapest teen auto insurance and save money annually by comparing rates.

In Gresham, the most affordable car insurance companies for active duty or veteran military families are:

• USAA: $961 per year
• State Farm: $984 per year

For those seeking affordable military car insurance, USAA and State Farm also provide low-cost options for minimum coverage, averaging $564 and $594 per year, respectively.

USAA may be the most suitable insurer due to its specialized services catering to those with a military background.

It can be challenging to get online auto insurance quotes from insurance providers in Gresham, considering the various data requests that could take up to 15 minutes or more.

MoneyGeek’s car insurance calculator instantly estimates your rates with different insurers based on your age, vehicle type, driving history and desired coverage.

The best auto insurer in Gresham for you might differ depending on how you prioritize factors like service quality, affordability and other pertinent factors.

These are MoneyGeek’s top picks for the best car insurance companies in Gresham:

• Best overall: Country Financial (MoneyGeek score 81 out of 100)
• Best for service: Capital Insurance Group (MoneyGeek score 68 out of 100)
• Best cheap: Country Financial (MoneyGeek score 82 out of 100)

MoneyGeek's overall rating for an insurance company may change depending on how each category's factors are weighted.

Country Financial is not only MoneyGeek's top choice for both the best overall and best affordable coverage in Gresham, but it is also our selected pick for the best auto insurance company in Oregon, earning a MoneyGeek score of 92 out of 100.

USAA is the top insurance provider for military drivers in Gresham, earning a MoneyGeek score of 85 out of 100.

MoneyGeek’s top picks for the overall best car insurance companies in Gresham:

• Country Financial: MoneyGeek score 81 out of 100 ($986 per year)
• American Family: MoneyGeek score 77 out of 100 ($1,265 per year)

Out of the 12 companies we reviewed, Country Financial stood out with the highest marks for affordability and customer satisfaction, meaning policyholders can expect reasonable prices and high-quality service.

USAA is Gresham's top insurer for military drivers, receiving an overall MoneyGeek score of 85 out of 100. Charging yearly premiums at around $961, USAA is among Gresham's most affordable auto insurance companies.

After removing the ratings for affordability from our analysis, we identified the car insurance companies in Gresham that excel in customer satisfaction:

• Capital Insurance Group: MoneyGeek score 68 out of 100 ($1,544 per year)
• Country Financial: MoneyGeek score 65 out of 100 ($986 per year)

Capital Insurance Group stands out as the leading company in Gresham for its high ratings for customer service, despite only offering the ninth cheapest rates among the 12 insurance providers analyzed.

Adhering to Oregon's minimum coverage requirements, here are MoneyGeek's top picks for the best affordable car insurance in Gresham:

• Country Financial: MoneyGeek score 82 out of 100 ($612 per year)
• State Farm: MoneyGeek score 78 out of 100 ($594 per year)

Keep in mind that opting for the cheapest insurance may mean sacrificing adequate protection for your vehicle. While it may meet the minimum requirements, it may not cover damages resulting from a collision or protect you from liability claims.

The average annual rate for auto insurance in Gresham is $1,346, which is higher than Oregon’s state average of $1,150 and the national average cost of car insurance, which is $1,265 as of October 2022. These rates are for full coverage insurance, which includes bodily injury liability limits of $100,000 per accident and $300,000 per person, as well as property damage liability limits of $100,000 per person.

Drivers in Gresham pay $196 more per year than the average rate for car insurance in Oregon. Compared to the national average, premiums in Gresham cost $81 more annually. Location is just one of the several factors that can significantly impact the pricing of your insurance policy.