Best cheap car insurance in Bend for 2021

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Bend, Oregon, is a mountain town. New and out-of-state drivers should exercise caution while navigating around the high-elevation streets, especially in the winter, when up to 30” of snow is typical. Car insurance is legally required, and having the best car insurance in Bend, Oregon, would be a good idea in case of an accident. Fortunately, the average cost of car insurance in Bend is relatively cheap. Bankrate’s quote study found that average rates are $532 per year for minimum insurance and $1,240 per year for full coverage.

You may be happy to hear that we found carriers with even lower rates than the typical car insurance Bend sees. According to our research, the providers have good reputations for providing a high level of customer service, an efficient claims process and plenty of policy options and discounts.

Best car insurance companies in Bend

After analyzing nearly 20 carriers, we narrowed the list of best and cheapest car insurance in Bend to just four. Only Travelers Insurance is rated by J.D. Power, which publishes highly-esteemed studies on customer satisfaction. However, this does not mean the other carriers do not perform well when it comes to customer service — they are smaller, regional carriers that did not rank in the larger study.

Because customer satisfaction ratings were not available for these smaller carriers, we based our research on factors like average price, coverage options, discount availability and online options.

Insurance company J.D. Power score Average annual premium for minimum coverage Average annual premium for full coverage
QBE Not rated $354 $815
Oregon Mutual Not rated $361 $791
Travelers 806 / 1,000 $388 $917
Capital Not rated $427 $1,015

QBE

QBE has the cheapest car insurance in Bend on average if you want minimum coverage. Annual premiums of $354 are well below the town average of $532 per year. Basic coverage costs less than $30 per month, making car insurance easier to afford. Upgrading to full coverage through QBE is also comparatively cheap. The carrier has the second-lowest premiums — less than $80 per month on average for full coverage.

Oregon Mutual

For the cheapest full car insurance, Oregon Mutual’s rate is only $791 per year on average. Full car insurance adds protection for your vehicle on top of the liability coverage a minimum car insurance policy includes. Full coverage may double the price of car insurance, but the extra $350 per year may be well worth the peace of mind knowing that your car’s repairs or replacement will be reimbursed if you cause an accident.

Travelers

Travelers Insurance is the only major carrier in our selections for the best car insurance in Bend. Its low rates and unique coverages make it a strong contender. Accident forgiveness can help you keep your car insurance premiums low. It forgives one accident every few years so your rates do not increase. In addition, opting for full coverage with new car replacement as an add-on can save you major hassles if your car is totaled. Travelers Insurance will pay for the replacement of a new version of the vehicle you lost.

Capital

The Capital Insurance Group (CIG) prides itself in offering customizable car insurance with plenty of options and add-ons. If you prefer to create a personalized insurance package that goes above a basic policy, CIG may be your best bet. In addition to unique coverage, Capital’s mobile app comes in handy to manage your policy. You can review your coverage and do research on available options, schedule payments and file/track claims.

Cheapest car insurance in Bend

Oregon’s average car insurance rates are $579/$1,363 for minimum and full insurance coverage. In comparison, Bend’s average car insurance rates are lower at $532/$1,240. However, several national carriers operating in town beat the state and city average.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Travelers $388 $917
USAA $441 $972
State Farm $465 $1,010
Nationwide $489 $973
Progressive $496 $1,160

Traveler’s Insurance is the cheapest for car insurance in Bend on average. While USAA comes in close second, coverage is only available to military personnel and family. For a carrier with a strong local presence, State Farm has local agents and offices in town. However, do not write off Nationwide and Progressive — they both have a strong mobile app and web platform that makes it easy to handle the bulk of your insurance needs digitally.

Bend insurance requirements

According to Oregon’s DMV, all drivers in Bend — and Oregon — must have liability insurance, at the very least, to drive legally. The minimums are:

  • $25,000 per person and $50,000 per crash for liability bodily injury
  • $20,000 for liability property damage
  • Personal injury protection of $15,000 per person
  • Uninsured motorist coverage of $25,000 per person and $50,000 per accident for bodily injury

Oregon’s requirements are more comprehensive than other states. However, minimum coverages may not be enough, especially if you plan on leasing or financing a vehicle. You may need to upgrade to full car insurance, which adds comprehensive and collision coverage solely to pay for damages and losses to your own vehicle.

Car insurance discounts in Bend

Even if you choose the cheapest of the car insurance companies in Bend, you may still be able to save further on coverage, when you take advantage of discounts most carriers offer. Some of the most popular include:

  • Vehicle safety equipment: If your car is equipped with tech such as driver assistance or accident prevention, you may qualify for a discount.
  • Telematics: Enrolling in driver tracking through an app can help you save on your premiums based on how safely you drive.
  • Low mileage: Driving less could help you reduce your car insurance bill. It can also reduce the chances of getting into a vehicle accident.
  • Bundling: If you have renters or homeowners insurance, bundling vehicle coverage can help lower your premiums overall.

Frequently asked questions

What is the best car insurance company?

The best car insurance companies in Bend all have low rates and high customer satisfaction, but the best one for you depends on what you are looking for and what quotes you receive.

How much does car insurance in Bend, Oregon cost?

The average cost of car insurance in Bend is $532/$1,240 for minimum and full insurance coverage. In comparison, the state’s averages are $579/$1,363.

How much car insurance do I need in Bend?

Oregon has more car insurance requirements than the average state. 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. In addition, uninsured motorist bodily injury insurance of $25,000 per person and $50,000 per accident is required.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. 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 coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Cynthia Paez Bowman
Personal Finance Contributor
Cynthia Paez Bowman is a finance and business journalist who has been featured in Bankrate, Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and TheSimpleDollar.com. She regularly travels to Africa and the Middle East to consult with women’s NGOs about small business development and works with select startups and women-owned businesses to provide growth and visibility.
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