Compare the Cheapest Car Insurance Quotes in Gresham

Car insurance in Gresham averages $1,230 per year — 4.1% higher than the Oregon average. The cheapest widely available insurance in Gresham is with MetLife at around $1,014 annually. To get you the best rates, MoneyGeek reviewed policies for varying coverage amounts and driving histories. We also recommend the best providers balancing cost and service.

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Last Updated: 5/16/2022
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MetLife offers the most affordable full coverage car insurance in Gresham, while 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. The Hartford is MoneyGeek’s top choice for affordability and service quality in Gresham.

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The Cheapest and Best Car Insurance in Gresham

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
  • Company
    100/300/100per year
  • 1.
    USAA
    $760
  • 2.
    MetLife
    $1,014
  • 3.
    GEICO
    $1,047
  • 4.
    Country Financial
    $1,073
  • 5.
    Progressive
    $1,100
  • 6.
    State Farm
    $1,105
  • 7.
    Nationwide
    $1,195
  • 8.
    Travelers
    $1,294
  • 9.
    American Family
    $1,396
  • 10.
    Farmers
    $1,501
  • 11.
    Allstate
    $1,574

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.

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Insurance Rates

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

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.

While 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

  • Item
    Description
  • 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, at-fault accident or 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. But, 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

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.

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Insurance Rates

The Best Car Insurance Companies in Gresham

If you value customer service along with cost, MoneyGeek scored the best companies in Gresham.

We found the best car insurance companies in Gresham that balance affordability and service quality are:

  • The Hartford: MoneyGeek score of 93 out of 100
  • GEICO: MoneyGeek score of 85 out of 100

With a perfect score of 100, USAA is the best for eligible active military, veterans and their families.

MoneyGeek analyzed companies based on their financial stability, affordability and J.D. Power customer satisfaction ratings.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Hartford
Score:92.5

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

3
GEICO
Score:85

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Allstate
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

5
American Family
Score:80

3/5

Affordability

2/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

6
State Farm
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

7
Farmers
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

8
Progressive
Score:80

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

9
Safeco
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

10
Liberty Mutual
Score:77.5

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

11
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

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 Code
    State 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.

accident2 icon
Most Accidents With Fatalities214th/300
handcuffs2 icon
Most Car Thefts272nd/300
uninsured icon
Most Uninsured Motorists by State21st/50
insurance2 icon
Personal Injury Protection RequiredYes
rain icon
Most Annual Rainfall157th/300
umbrella icon
Most Rainy Days13th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Gresham are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.