Best cheap car insurance in Hermiston

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There are over 3 million licensed drivers in Oregon who pay an average cost of $510 for minimum liability car insurance per year or $1,234 for full coverage. With around 3.2 million passenger cars registered on Oregon roads, Hermiston drivers pay less than the average for both Oregon and the rest of the country.

Many drivers want to find the best car insurance companies in their state with the cheapest rates. We’re here to help with comparing quotes, coverages, available discounts, financial strength and customer satisfaction.

Best car insurance companies in Hermiston

When researching to find the best car insurance companies offering coverage in Hermiston, we reviewed a combination of third-party rankings, market share, customer satisfaction, coverage options and discounts. We also used 2021 rate data from Quadrant Information Services to compare average rates. These companies stood out from the rest with high rankings and options for drivers to choose from.

Insurance company J.D. Power customer satisfaction score Average annual premium for minimum coverage Average annual premium for full coverage
Geico 834 / 1000 $446 $1,317
Oregon Mutual Not rated $319 $729
Progressive 821 / 1000 $462 $1,072
USAA 883 / 1000 $444 $1,024

Geico

Geico is the third largest insurer in Oregon, insuring 10.4% of drivers. As one of the largest insurers in the country, Geico offers lots of options for coverage and discounts, including coverage for on-demand delivery drivers and people traveling to Mexico.

On the J.D. Power 2020 U.S Auto Insurance Satisfaction Study, the Northwest region places Geico in second place with 834 points. The provider also takes second place in the large insurers category in the U.S. Insurance Shopping Study for purchase experience. As for auto claims satisfaction, Geico is just below average, though it offers one of the highest-ranking mobile app platforms for car insurance carriers.

Oregon Mutual

If you’d rather be a name than a number with your car insurance company, small insurer Oregon Mutual is a great regional option. Though it’s size keeps it from making the J.D. Power studies, Oregon Mutual makes our list of best car insurance companies because of its broad range of coverages and discounts, including child safety seat replacement and vehicle upgrade coverages and packaged discounts for more savings.

Oregon Mutual happens to also have the cheapest average car insurance rates on our “best of” list. With excellent financial strength to pay out claims and zero consumer complaints to the NAIC in 2020, Oregon Mutual is a top contender for Hermiston drivers.

Progressive

While you won’t get Flo as your personal insurance agent, you do have the option for coverages like custom parts, deductible savings bank, gap insurance and rideshare coverage with Progressive if you are eligible. The company is the second largest insurer in Oregon, with 16.2% of the market share.

Progressive is rated as average in the Northwest region for auto insurance satisfaction but is listed a few points below average for purchase experience in the J.D. Power study. It struggles a bit with below average ranking for auto claims satisfaction, yet has 4.7 stars with Consumers Advocate and most complaints with the BBB are about billing and product issues.

USAA

USAA has taken the #1 spot for customer satisfaction in all three referenced J.D. Power studies for several years, though it is not eligible for ranking because it only offers coverage to military families. With four military bases in the state of Oregon, it’s not surprising to see USAA in the #7 spot for market share, insuring 6.4% of drivers.

USAA offers many of the same policy options as some of the largest car insurers, with specific potential discounts for military such as vehicle storage and military installation discounts. However, USAA does have a higher-than-average 1.85 complaint index with the NAIC and mixed reviews online for customer and claim satisfaction.

Cheapest car insurance in Hermiston

In Hermiston, the average cost of car insurance is $510 per year for minimum liability-only coverage and $1,234 per year for full coverage. This is lower compared to the average in Oregon, which is $610 and $1,346, respectively. Hermiston rates also beat the national average cost of car insurance of $565 and $1,674 per year.

To find the cheapest car insurance companies in Hermiston, we used the same criteria but focused more on coverages, discounts and price. We reviewed the most popular carriers based on market share in Oregon to determine the cheapest car insurance companies for Hermiston drivers.

We found Travelers has the cheapest car insurance rates for both liability and full coverage. Travelers is a great choice for discounts, which helps keep rates as cheap as possible in Hermiston. Nationwide is the next cheapest, offering several options for coverage and discounts, including affiliation discounts and SmartMiles, a program for people who don’t drive much and want rates reflecting their limited usage.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Travelers $368 $863
Nationwide $426 $940
USAA $444 $1,024
State Farm $446 $989
Geico $446 $1,317

Hermiston insurance requirements

Oregon requires minimum coverage limits, just like most states in the U.S. To drive legally in Oregon, you must have at least:

  • Bodily injury: $25,000 per person, $50,000 per accident
  • Property damage: $20,000 per accident
  • Personal injury protection: $15,000 per person
  • Uninsured motorist: $25,000 per person, $50,000 per accident for bodily injury

Though it’s tempting to save money with state minimums, some people prefer higher limits for financial protection. If you hit and total a $25,000 car, your $20,000 property damage limit won’t be enough to cover the damage. Some lenders may require full coverage if you financed or leased the car.

Car insurance discounts in Hermiston

Drivers in the Beaver state can keep cheap rates on car insurance by taking advantage of available discounts. Here are a few with a large impact on rates:

  • Anti-theft device: Deterring theft of your car with a steering wheel lock, kill switch, GPS tracker or vehicle recovery devices may give you a discount on car insurance.
  • Defensive driving course: Senior drivers over the age of 55 may take a state-approved safety course to get a possible discount on their car insurance.
  • Multiple policy discount: One of the biggest discounts offered by car insurance companies is the multi-policy discount, where you bundle your car with home, life and other insurance policies with the same company.
  • Safe driver discount: Avoiding tickets and accidents is generally a great way to save on car insurance, as long as you have a clean driving record in the last five years.

Frequently asked questions

What is the best car insurance company in Hermiston?

One person’s best insurance company may not be the same as someone else’s. To find the best for your personal needs, consider financial strength, customer satisfaction, claims process and coverage options.

How much car insurance do I need in Hermiston?

This is dependent on the person needing car insurance coverage. Most experts agree higher liability limits are best to protect your finances if you’re involved in an accident. You may need full coverage and other optional coverages if you don’t own your car outright or if you won’t be able to afford to fix it if you cause an accident.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 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.

Rates are determined based on 2021 Quadrant Information Services data.