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Key Takeaways

  • The town of Bend, located in the Cascade Mountains of Oregon, is a mountain retreat.
  • Oregon car insurance costs $1,472 per year on average.
  • On average, full coverage costs $1,363 per year, and minimum coverage costs $886 per year.

How Much Does Car Insurance Cost In Bend?

Bend Rates Vs Oregon Vs United States Averages

Oregon car insurance costs $1,472 per year on average. Drivers in Bend pay a tad bit less for car insurance. On average, full coverage costs $1,363 per year, and minimum coverage costs $886 per year. Our car insurance guide in Oregon includes average rates based on age, credit score, driving history, and marital status.

Bend (Annual Average) Oregon (Annual Average) United States (Annual Average)
$1,363 $1,472 $1,557

Bend Auto Insurance Premiums By Company

Auto insurance rates in Bend can vary considerably from one provider to the next. The full coverage policy from Country is the least expensive in Bend. Statefarm and USAA are the next best choices on the line.

Insurance Company Annual Rate
Country $925
State Farm $1,016
USAA $1,052
Farmers $1,323

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Bend Auto Insurance Premiums By Age Group

The lowest rates are for drivers in their 50s, which cost $1,206 per year.  Teenage drivers pay the most for car insurance, with an average payment of $4,672. This is more than any other age group.

Age Average Annual Rate
Teenagers $4,672
20s $1,703
30s $1,367
40s $1,298
50s $1,206
60s $1,212
70s $1,423

Bend Auto Insurance Premiums By Marital status

In general, married people pay less for auto insurance than single people. In Bend, married people pay less for auto insurance than single people.

Gender/Marital Status Average Annual Rate
Single $ 1,346
Married $ 1,272
Divorced $ 1,356
Widowed $ 1,342

Bend Auto Insurance Premiums By Gender

Auto insurance premiums can also be influenced by a person's gender. Female drivers in Bend, Oregon, pay an additional $70 a year in insurance premiums compared to their male counterparts.

Gender/Marital Status Average Annual Rate
Female $ 1,426
Male $ 1,356

Bend Auto Insurance Premiums By Driving Record

Compared to the citywide average, drivers in Bend who are found guilty of reckless driving risk an insurance rate increase of around $640 per year. In the case of DUI, a fine of around $500 is imposed, while a speeding ticket results in a $315 increase.

 Incident Average Annual Rate
DWI/DUI $1,846
Reckless Driving $1,982
At-fault Accident (damages less than $1,000) $1,877
At-fault Accident (damages greater than $2,000) $1,990
Speeding Ticket (16-20 mph over speed limit) $1,666

Bend Auto Insurance Premiums By Credit Rating

Car insurance rates for Bend drivers drop by 54% when they move from the "Very Poor" (300-579) to the "Exceptional" (800-850) credit range. Auto insurance rates can be reduced significantly if a driver's credit improves from "Very Poor" to "Fair."

Credit Score Average Annual Rate
Very Poor $ 2,542
Fair $ 2,022
Good $ 1,674
Very Good $ 1,414
Exceptional $ 1,168

What Would Increase Your Car Insurance Rate In Bend?

Oregon's auto insurance rates are high for a number of reasons, such as the state's auto insurance laws, the fact that the state has extreme weather, the average driver's profile, and the number of drivers who don't have insurance. Bend being a part of Oregon certainly has its influence on Bend's auto insurance premiums.

Auto Theft Statistics In Bend

There are 22 crimes per 1,000 residents in Bend, which is above the national average for all communities in America, but it is not one of the most dangerous places to live in the country. In Bend, one in every 46 people will be the victim of a violent or property crime.  Bend's property crime average rate is 37.2

According to FBI crime data, Bend, Oregon, is not one of the most crime-free places in the United States. Bend's crime rate is higher than that of 65 percent of Oregon's towns and cities combined.

Accidents Statistics In Bend

There are 22 crimes per 1,000 residents in Bend, which is above the national average for all communities in America, but it is not one of the most dangerous places to live in the country. In Bend, one in every 46 people will be the victim of a violent or property crime.

According to FBI crime data, Bend, Oregon, is not one of the most crime-free places in the United States. Bend's crime rate is higher than that of 65 percent of Oregon's towns and cities combined.

Auto insurance in Bend: Minimum insurance requirement in Oregon

According to the Oregon Department of Transportation, more than 60 crashes resulting in injuries occurred in Bend between 2006 and 2008. There were a number of incidents that occurred at or near intersections and were caused by drivers or bicyclists who flouted traffic laws.

In terms of the number of crashes per 1,000 people, Bend came in fifth out of the state's ten largest cities, according to data compiled by the Oregon Department of Transportation (ODOT).

Useful Info For Driving in Bend

As a high-elevation mountain town, Bend regularly receives more than 20 or 30 inches of snow. The following are some pointers on how to be prepared and safe.

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Driving in snow

People who live in the state of Oregon may not have the opportunity to practice their snow-driving skills. The following should be kept in mind:

  • TripCheck or 511 can provide you with current road conditions for your intended route before you leave home. Make the appropriate preparations for your journey.
  • Take your time to get to your destination. The pace of travel will be sluggish.
  • Give yourself a little more room to stop. Slick, snow-covered roads provide less traction.
  • Avoid sliding or skidding by applying light pressure to the brakes. If the wheels come to a complete standstill, release the brakes.
  • Carry and understand the use of chains.
  • Your car should be in top shape, with clean headlight bulbs, functioning brakes and windshield wipers, as well as a good set of tyres.
  • In areas where the snow is more likely to stick around for longer periods of time, slow down.
  • Increase your visibility by turning on your headlights.
  • There may be some hiccups, so be ready for the worst. Make sure you have water, blankets, a full tank of gas, and a lot of patience on hand!
  • Don't be afraid to stop for the night if you get tired or if the road gets dangerous.

Parking

  • During snow storms, if possible, park your car in a safe location and off the street.
  • Snow ploughs and emergency vehicles can be impeded by parking, making the roads even narrower and sometimes impassable.

Parking restrictions in the snow zone: This department has a strategy for dealing with streets where on-street parking during particularly heavy snowfalls has contributed to narrower and sometimes impassable roads. For more information, visit the Winter Street Operations page and look at the maps of the emergency snow zones on the official Oregon website.

Driving Conditions in Bend

  • In Oregon, rain falls all year round. It rains the most in June, with an average of 4.2 inches, in the state of Oregon.
  • 33.8 inches of snow fall on average each year. The amount of snow that accumulates in Bend exceeds 24 inches only once in every twenty years.
  • The traffic conditions seem easy to navigate.

Car Insurance Companies in Bend

If you drive and own a car, you need auto insurance not only for your protection but also because Oregon state law requires it. These are the top car insurance companies in Bend:

Car Insurance Companies in Bend
Acceptance Insurance AFI
Allied Allstate
American Family Amica Mutual Insurance
Auto-Owners Branch
Dairyland Encompass
Farm Bureau Farmers
FIMC Foremost
Grange Insurance Hippo
Kemper Auto Liberty Mutual
Mendota MetLife
National General Nationwide
Progressive Safe Auto
Safeco State Auto
State Farm Titan
Travelers Unitrin
USAA Unitrin

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

FAQs

What factors affect car insurance quotes in Bend?

The following can affect your car insurance premium in Bend.

  • Age
  • Driving history
  • Credit score
  • Years of driving experience
  • Gender
  • Insurance history
  • Annual mileage

How to get the cheapest car insurance rate in Bend?

Research and compare multiple car insurance rates in Bend. Here are some ways to save on car insurance otherwise:

  • Increase your deductible.
  • Check for discounts you qualify for.
  • Compare auto insurance quotes.
  • Maintain a good driving record.
  • Participate in a safe driving program.
  • Take a defensive driving course.
  • Explore payment options.
  • Improve your credit score.

How much is car insurance monthly in Bend, Oregon?

Oregon car insurance for full coverage costs $1,472 per year. Drivers in Bend pay a tad bit less for car insurance. On average, full coverage costs $1,363 per year, and minimum coverage costs $886 per year.

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