bestauto insuranceGreshamCompare the Cheapest Car Insurance Quotes in Gresham, OR
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MetLife offers the most affordable full coverage car insurance in Gresham, whereas GEICO has the cheapest state minimum coverage. With a speeding ticket, State Farm has the lowest price. For military families, USAA is often the best. Remember, your coverage and profile may affect the best choices. State Farm is MoneyGeek’s top choice for affordability and service quality in Gresham.
bestauto insuranceGreshamThe Cheapest and Best Car Insurance in Gresham
Cheapest Overall - MetLife
Cheapest State Minimum - GEICO
Cheapest With a Driving Violation - State Farm
Best Overall - State Farm
The Cheapest Car Insurance Companies in Gresham
For drivers who need a full coverage policy in Gresham, on average, the cheapest, open-to-all companies are:
- MetLife: $1,014 per year
- GEICO: $1,047 per year
If you’re an eligible current or former member of the military, USAA offers the cheapest full coverage policy in the city at around $760 per year.
MetLife costs roughly 55.2% less than Allstate, Gresham’s most expensive company for full coverage at around $1,574 per year.
A full coverage policy has comprehensive and collision insurance with liability. Keep in mind that your premium may change based on how much liability insurance you select.
Cheapest Car Insurance in Gresham
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$760
- 2.$1,014
- 3.$1,047
- 4.$1,073
- 5.$1,100
In line with our methodology, MoneyGeek collected average car insurance rates in Gresham for a 40-year-old male driver with a full coverage policy.
A full coverage policy costs more than state minimum coverage because it has liability insurance and comprehensive and collision insurance. They help pay for damages to your vehicle in the event of an accident, making them very valuable.
- Comprehensive insurance: covers damage to your car due to reasons other than collision, such as weather and theft
- Collision insurance: pays for at-fault collision-caused damage to your car from a vehicle or stationary object
If you have an older car, a full coverage policy could cost more than the value of your vehicle, making it not a good idea. Consider liability-only or state minimum car insurance instead to save money.
Compare Car Insurance Rates in Gresham
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Gresham for Minimum Coverage
For the cheapest car insurance in Gresham, choose state minimum coverage. On average, the companies with the most affordable minimum coverage in Gresham are:
- GEICO: $600 per year
- Progressive: $688 per year
At roughly $459 annually, USAA offers the cheapest state minimum policy in the city. However, only military families may be eligible.
GEICO, the cheapest, open-to-all insurer, costs around $465 less than American Family, the most expensive company in Gresham for a minimum coverage policy at around $1,065 per year.
Although the most affordable car insurance option in Gresham, minimum coverage provides the least protection because it has low liability coverage and no comprehensive or collision insurance. You can review the table below to see how much higher liability coverage costs.
Cheapest Minimum Liability Car Insurance in Gresham
State Minimum
- CompanyState Minimumper year
- 1.$459
- 2.$600
- 3.$688
- 4.$693
- 5.$703
In Gresham, drivers must carry a policy that meets Oregon’s minimum car insurance requirement of $25,000 bodily injury liability per person and $50,000 per accident with $20,000 property damage liability, uninsured/underinsured motorist coverage and $15,000 personal injury protection per person.
Although state minimum coverage can help you save money, you may end up paying much more in an at-fault accident. For example, if you cause the other driver $30,000 in medical bills, your policy only covers $25,000. You pay the remaining $5,000.
Oregon Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $20,000 for property damage. A more protective level is 100/300/100.
- Uninsured Motorist$25,000 per person and $50,000 per incident. The minimum coverage may not be enough if you're in a serious accident.
- Personal Injury Protection$15,000 per person.
Cheapest Car Insurance in Gresham if You Have Driving Violations
The cost of your car insurance in Gresham does increase if you have a driving violation, like a speeding ticket, an at-fault accident or a DUI.
Below is, on average, the cheapest car insurance in Gresham if you have a violation:
- Cheapest after a ticket: State Farm, $1,217 per year
- Cheapest after an at-fault accident: State Farm, $1,443 per year
- Cheapest after a DUI: State Farm, $1,217 per year
For military members with a speeding ticket or at-fault accident, the cheapest option is USAA, costing around $963 or $1,175 per year, respectively.
Improving your driving record over time can lower your insurance premium. However, for the time being, your best solution is to shop around and find which company provides the best cheap car insurance after a violation.
Cheapest Car Insurance in Gresham With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$963
- 2.$1,217
- 3.$1,385
- 4.$1,393
- 5.$1,438
Average Cost of Car Insurance in Gresham
Gresham$1,230
Oregon$1,181
U.S.$1,424
Gresham’s average cost of car insurance is $1,230 per year. The average city rate is 4.1% higher than Oregon’s average and lower than the United States average. Drivers in Gresham pay 13.6% less than the national average.
Personalized Quotes to Get You the Cheapest Car Insurance in Gresham
To calculate your car insurance rate, insurers in Gresham use several factors, such as your age, gender, ZIP code, coverage level and car model and make. When you need car insurance, it’s best to gather and compare car insurance quotes in Gresham from various companies to get the cheapest coverage and find the best discounts.
Compare Car Insurance Rates in Gresham
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Gresham
The top car insurance providers in Gresham have been evaluated by MoneyGeek based on affordability, claims history and customer satisfaction. Based on our analysis, the following are the top-rated auto insurance companies in the city:
- State Farm: MoneyGeek score of 74 out of 100
- Country Financial: MoneyGeek score of 69 out of 100
MoneyGeek excluded USAA from the study since it exclusively serves military members and their families. It did, however, achieve a flawless MoneyGeek score of 100, making it the best auto insurance company in Gresham for military families.
1
State Farm
Score:74
State Farm received high scores for financial strength, customer satisfaction and claims ratings. However, it received an average score for affordability based on an annual policy cost of approximately $1,105 for a 40-year-old driver in Gresham. The insurer offers rideshare insurance, a coverage option that is seldom offered by other insurers.
More About State Farm
State Farm’s rideshare insurance ensures that drivers working for a ridesharing company have adequate protection while on the job. For an added cost of 15% to 25% of your premium, all coverages included in your personal auto insurance policy remain in effect while the rideshare app is on and you haven’t matched with a rider. Once you’ve matched with a rider and/or are transporting a rider, all coverages, except for liability insurance, are active.
Read MoneyGeek's State Farm auto Insurance Review2
Country Financial
Score:69
Country Financial earned relatively high ratings for stability, satisfaction and claims. Compared with State Farm, policies cost slightly less at around $1,073 per year. Policyholders can also add glass-deductible modification and portable electronics and media coverage — two coverage options rarely offered by other providers.
More About Country Financial
Country Financial’s personal effects coverage reimburses you up to $800 to help replace items that are stolen from your car. Meanwhile, its glass-deductible modification offering called safety glass coverage helps to pay for repairs to your windshield, car windows or headlight covers. With this additional insurance, you don’t have to pay your comprehensive coverage deductible.
Read MoneyGeek's Country Financial auto Insurance Review3
GEICO
Score:66
4
American Family
Score:60
5
Travelers
Score:56
6
Progressive
Score:52
7
Nationwide
Score:49
8
MetLife
Score:44
9
Farmers
Score:33
10
Allstate
Score:27
Average Cost of Car Insurance by Postal Code
Car insurance premiums in Oregon vary from one ZIP code to another. Neighborhoods with a high number of accidents, car theft incidents and other factors tend to be more expensive. In Gresham, the cheapest ZIP code is 97080, costing around $1,212 a year. Drivers in that ZIP spend $35 less than those in 97030, Gresham’s most expensive ZIP code at roughly $1,247 annually.
- Zip CodeState Minimumper year
- 97080$1,212
- 97030$1,247
Factors That Impact Insurance Costs in Gresham
In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists also contribute to car insurance rates in Gresham. How Gresham ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
About Mark Fitzpatrick
