Like most states, drivers in Bend, Oregon, must meet minimum car insurance requirements to drive legally. The average cost of car insurance in Bend is $509 per year for minimum coverage and $1,231 per year for full coverage. Your rate could differ, since cost is based on personal characteristics like age, driving profile and claims history.


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Bend drivers looking for the best cheap car insurance companies may feel overwhelmed with so many options available. Bankrate has analyzed and compared dozens of carriers to help Bend drivers narrow down options that could offer them the cheapest rates on the coverage they need in Central Oregon’s largest city.

Best cheap car insurance companies in Bend

The best cheap car insurance companies in Bend are State Farm, Mutual of Enumclaw and USAA, according to Bankrate’s research. We used several variables to determine the cheapest car insurance in Oregon, including third-party ratings from the 2022 J.D. Power Auto Insurance Study in the Northwest region and 2022 premium data analyzed from Quadrant Information Services. You may find it helpful to use the Bankrate Score to help you choose a carrier that meets your needs. This five-point scale Score is based on financial strength, coverage options, discounts, average annual premiums, third-party customer satisfaction, and mobile and online accessibility.

Insurance company Bankrate Score J.D. Power score (Northwest Region) Average annual premium for full coverage Average annual premium for minimum coverage
USAA* 5.0 883/1,000 $964 $402
State Farm 4.7 839/1,000 $828 $349
Geico 4.7 832/1,000 $1,104 $397
Progressive 4.4 819/1,000 $1,272 $545
Mutual of Enumclaw N/A N/A $938 $418

*Not officially ranked by J.D. Power due to eligibility restrictions


A cheap option Bend, Oregon drivers may consider is USAA. Although this carrier earned the most points in the Northwest region, it doesn’t qualify for ranking because it limits its eligibility. Only current and past military members and their immediate families are eligible for USAA. If you are eligible, USAA offers custom vehicles coverage, which may repair or replace up to $5,000 in custom equipment. You might also save up to 30 percent with its SafePilot telematics program.

Learn more: USAA Insurance review

State Farm

Bend drivers may find the cheapest car insurance rates from State Farm. Drivers who practice safe driving habits may be able to save even more with up to 30 percent with State Farm’s Drive Safe and Save telematics program. State Farm has earned the second-highest J.D. Power ranking score for customer satisfaction in the Northwest region. This carrier offers local agents who understand the needs of drivers in Bend and other areas of Oregon. However, there are only a few optional coverage choices, which may not provide the tailored coverage some Bend drivers might need.

Learn more: State Farm Insurance review


Although Geico is not the cheapest option in Bend, its average annual rates are below the average for the city. It earned an above-average customer satisfaction rating from J.D. Power for the Northwest region and has a long list of auto insurance discounts available to help keep rates low. Geico only has a few optional coverage types, but you may find them valuable. They include emergency road service, rental car reimbursement and mechanical breakdown insurance.

Learn more: Geico Insurance review


Coming in with slightly higher-than-average rates compared to the Bend average, Progressive is the most expensive option on the list. However, it offers customers optional coverage add-ons to customize their policies to meet their needs. You may want gap insurance, rental car reimbursement, custom parts or rideshare coverage. Progressive also has a deductible savings bank feature, which may lower your comprehensive and collision deductibles by $50 for every policy period you stay claim-free.

Learn more: Progressive Insurance review

Mutual of Enumclaw

Offering coverage in seven states, Mutual of Enumclaw may be another cheap choice for drivers in Bend. To get coverage through Mutual of Enumclaw, you will have to work with an independent agent contracted with the carrier. The company offers some unique coverage options, like wildfire protection and monitoring, key and lock coverage, child safety seat replacement and pet injury coverage. But you can only get a home and auto bundle policy through Mutual of Enumclaw, which may not be an option for those who aren’t homeowners.

How to get and keep the cheapest car insurance in Bend

Knowing how to get and keep the cheapest car insurance in Bend can help you when shopping for car insurance. Besides comparing car insurance quotes, here are some other tips to help get and keep cheap car insurance:

  • Know what coverage you need before you shop. Not everyone has the same coverage needs, so knowing what coverage you need can help you narrow down the best and cheapest carrier. For instance, if you have a newer car or finance your vehicle, you will likely need full coverage. But if you have an older car that’s paid off and can afford to replace it out of pocket, you might save with liability-only coverage.
  • Take advantage of discounts. To keep cheap car insurance, make sure you take advantage of discounts. Many can be stacked together to get the most out of your savings. Since every carrier has its own list of discounts and eligibility criteria, you may want to reach out to the company to find out what discounts it offers so you can get the cheapest rate.

Frequently asked questions

    • The best car insurance companies in Bend depend on your expectations of a carrier. For example, you may want a carrier that has mobile claims processing and fast response times. Or, maybe you’re looking for a company with several coverage options to customize your policy. Once you determine your desires in a company, you can then compare carriers to find the one that fits.
    • The average cost of car insurance in Bend is $509 for minimum coverage and $1,231 for full coverage annually. This is lower than the national annual average cost of car insurance, which is $545 for minimum coverage and $1,771 for full coverage. It is also lower than the Oregon average, which is $625 and $1,371, respectively.
    • Like other states, drivers in Bend must carry the required coverage amounts, which include liability, personal injury protection (PIP) and uninsured motorist coverage. You will need liability coverage of $25,000 or more in bodily injury per person, $50,000 or more in bodily injury per accident and at least $20,000 in property damage per accident. The minimum PIP coverage you should have is $15,000 per person. In addition, uninsured/underinsured motorist bodily injury insurance of $25,000 per person and $50,000 per accident is required.
    • Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
      • $100,000 bodily injury liability per person
      • $300,000 bodily injury liability per accident
      • $50,000 property damage liability per accident
      • $100,000 uninsured motorist bodily injury per person
      • $300,000 uninsured motorist bodily injury per accident
      • $500 collision deductible
      • $500 comprehensive deductible

      To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

      These are sample rates and should only be used for comparative purposes.

    • Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

      To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

      While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.