Cheapest Car Insurance Quotes in Gresham

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Gresham Car Insurance

^$ 61

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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

Table of Contents

How Much Is Car Insurance in Gresham

The car insurance rate in Gresham is $1346 for a six-month policy, which is $466 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $591, making it a popular choice for budget-conscious drivers. Rates in Gresham can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Gresham

$1346

Avg. Car Insurance in Oregon

$880

National Average

$1278

Cheapest Car Insurance Companies in Gresham

1st place: Kemper

At $591 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Capital Insurance Group

Capital Insurance Group offers auto insurance rates at $936 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American Family

American Family offers auto insurance rates at $1036 for six months, making it the third cheapest auto insurance company in Gresham.

Gresham Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Gresham, OR is Kemper, offering policies at just $591 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $936.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2563 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Gresham drivers find the best deals.

Cheap Car Insurance Companies in Gresham, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$591	$101
Capital Insurance Group	$936	$156
American Family	$1036	$174
Travelers	$1163	$196
Progressive	$1190	$200
Encompass	$1236	$207
USAA	$1273	$214
Nationwide	$1282	$216
State Farm	$1290	$217
Country Financial	$1317	$222
Mutual of Enumclaw	$1700	$289
Farmers	$1945	$327
Allstate	$2563	$431

Key Takeaways

Way's key takeaways about car insurance in Gresham

The auto insurance costs in Gresham fall around $591 for six months.
The cheapest auto insurance company in Gresham is Kemper.
Teen drivers pay the highest rate in Gresham at $1545 per month.

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Cheapest Minimum Liability Car Insurance in Gresham

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Gresham are given below.

Kemper provides the cheapest minimum car insurance coverage in Gresham. Their Average 6 Month Premium is $364. Allstate is the most expensive at $1354 for the same period.

Cheapest Liability Coverage in Gresham, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$364	$61
Capital Insurance Group	$482	$83
State Farm	$519	$87
USAA	$519	$87
American Family	$545	$92
Travelers	$545	$92
Progressive	$554	$93
Country Financial	$646	$109
California Casualty	$690	$115
Nationwide	$727	$122
Farmers	$1008	$170
Allstate	$1354	$228

Cheapest Full Coverage Car Insurance in Gresham

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Gresham is Kemper at $101 per month and $591 for six months.

Cheapest Full Coverage Car Insurance Quotes in Gresham, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$591	$101
Capital Insurance Group	$936	$156
American Family	$1036	$174
Travelers	$1163	$196
Progressive	$1190	$200
Encompass	$1236	$207
USAA	$1273	$214
Nationwide	$1282	$216
State Farm	$1290	$217
Country Financial	$1317	$222
Mutual of Enumclaw	$1700	$289
Farmers	$1945	$327
Allstate	$2563	$431

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Average Car Insurance in Gresham by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Gresham, OR increasing?

Despite maintaining a clean driving record, your car insurance rates in Gresham, Oregon, may be increasing due to several external factors. Oregon has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Gresham's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Gresham

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$878
30s	USAA	$716
40s	USAA	$664
50s	USAA	$638
60s	USAA	$664
70s	USAA	$808

Cheapest Car Insurance Rates for Teen Drivers in Gresham,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Gresham at $57 per month. At $9178 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$337	$57
Capital Insurance Group	$572	$95
Country Financial	$1891	$318
USAA	$2009	$338
Travelers	$2036	$343
State Farm	$2408	$405
American Family	$2971	$500
Progressive	$3107	$523
Nationwide	$5935	$1010
Allstate	$9178	$1545
Farmers	$9178	$1545

Teen Car Insurance Rates in OR by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Gresham.

As young drivers face the highest rates in Gresham, USAA offers the cheapest auto insurance rates at $878 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Gresham, Kemper is the cheapest car insurance provider. At $609 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Gresham is State Farm, offering rates of around $6198 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$609	$101
Capital Insurance Group	$708	$121
Nationwide	$881	$147
Progressive	$1308	$220
American Family	$1591	$268
Country Financial	$1744	$294
Travelers	$1836	$309
USAA	$2290	$390
Allstate	$4662	$777
Farmers	$4953	$842
State Farm	$6198	$1033

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Car Insurance Rates with An Accident in Gresham

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Gresham, OR, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Gresham

The cheapest car insurance companies after an at-fault accident in Gresham include Kemper and Capital Insurance Group, offering $482 and $572, respectively. Allstate is an expensive provider with an average six-month premium of $4053.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$482	$80
Capital Insurance Group	$572	$98
Capital	$646	$107
Encompass	$718	$122
State Farm	$982	$165
Travelers	$1091	$184
USAA	$1154	$194
Progressive	$1290	$217
American Family	$1454	$245
Nationwide	$1454	$245
Country Financial	$1527	$257
Farmers	$3335	$562
Allstate	$4053	$682

Gresham Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Gresham OR. For example, the car insurance in Gresham after a DUI increases to $953 for a six month policy. While the rate increases by $344 for a six-month policy in the case of a speeding ticket.

Gresham auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1282	$214
One Med/PIP claim	$1282	$217
Not-at-fault accident	$1327	$222
One comp claim	$1354	$230
Two Med/PIP claims	$1372	$228
Failure to wear a seat belt	$1463	$249
Two comp claims	$1499	$249
Child safety restraint	$1518	$259
Failure to show documents	$1518	$252
Driving without lights	$1527	$260
Driving with expired registration	$1564	$260
Speeding 11 - 15 MPH over limit	$1626	$277
Speeding 16 - 20 MPH over limit	$1626	$271
Speeding 6 - 10 MPH over limit	$1626	$277
Cell phone violation	$1636	$272
Driving too slowly	$1636	$278
Failure to yield	$1636	$272
Following too closely	$1636	$278
Illegal turn	$1636	$272
Texting while driving	$1636	$278
Wrong way/wrong lane	$1636	$272
Failure to stop at a red light	$1645	$280
Improper passing	$1645	$274
Passing school bus	$1709	$291
Speeding in school zone	$1709	$285
In 65 MPH zone	$1737	$295
Speeding 21 - 25 MPH over limit	$1744	$291
Open container	$1799	$306
At-fault accident - less than $1000	$1845	$308
Operating a vehicle without permission	$1854	$315
At-fault accident - $1000-$2000	$1963	$327
At-fault accident - greater than $2000	$1963	$334
Refusal to submit to a chemical test	$2199	$367
Racing	$2208	$375
DUI	$2235	$373
Reckless driving	$2245	$381
Driving with a suspended license	$2263	$378
Leaving scene of an accident/hit and run	$2336	$398

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Gresham after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Gresham.

The cheapest car insurance premiums in Gresham are offered by Capital Insurance Group at $664 for a six-month policy. However, it can be as expensive as $3571 with companies like Nationwide.

Gresham car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$664	$113
Kemper	$819	$136
Progressive	$1017	$171
Travelers	$1308	$220
State Farm	$1372	$231
American Family	$1536	$259
USAA	$1709	$288
Farmers	$3208	$540
Country Financial	$3262	$549
Allstate	$3299	$555
Nationwide	$3571	$607

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Gresham are offered by Kemper at $445. However, it can be as expensive as $4171 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Gresham after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$445	$75
Capital Insurance Group	$536	$92
Nationwide	$727	$121
State Farm	$854	$144
Progressive	$1091	$184
American Family	$1100	$185
Travelers	$1327	$223
USAA	$1345	$228
Country Financial	$1400	$236
Allstate	$3335	$568
Farmers	$4171	$695

Car Insurance Price Trends in Gresham, Oregon

Car insurance rates in Gresham have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Gresham rose by $304 in January compared to $294 of December. In other words, there has been an increase by $10 when you compare January and December.

The average cost of liability insurance in the Gresham remained steady at $109 in both January and December, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Gresham?

The car insurance in Gresham is $61 per month, which is lower than the national average.

What is the cheapest car insurance in Gresham?

The cheapest car insurance in Gresham is $101 per month for full coverage.

How much is car insurance in Gresham for teenagers?

Car insurance for teenagers costs $337 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Gresham?

The average cost of car insurance is $880 for a six-month policy. It will cost around $226 per month to insure your car in Gresham.

Is car insurance expensive in Gresham?

Car insurance can be expensive in Gresham if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Gresham can be affordable.

What is the best car insurance in Gresham, OR?

The best car insurance company in Gresham OR is Kemper, offering $591 for a six-month policy.