Cheapest Car Insurance Quotes in Gresham

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Gresham Car Insurance

^$ 54

/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 $1161 for a six-month policy, which is $301 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $521, 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

$1161

Avg. Car Insurance in Oregon

$860

National Average

$1140

Cheapest Car Insurance Companies in Gresham

1st place: Kemper

At $521 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 $826 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 $971 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 $521 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $826.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2133 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	$521	$89
Capital Insurance Group	$826	$138
American Family	$971	$163
Country Financial	$995	$167
Travelers	$1034	$174
Progressive	$1067	$180
Encompass	$1091	$185
State Farm	$1115	$188
Nationwide	$1131	$190
USAA	$1131	$190
Mutual of Enumclaw	$1500	$255
Farmers	$1588	$267
Allstate	$2133	$359

Key Takeaways

Way's key takeaways about car insurance in Gresham

The auto insurance costs in Gresham fall around $521 for six months.
The cheapest auto insurance company in Gresham is Kemper.
Teen drivers pay the highest rate in Gresham at $1264 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 $321. Allstate is the most expensive at $1162 for the same period.

Cheapest Liability Coverage in Gresham, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$321	$54
Capital Insurance Group	$425	$73
State Farm	$458	$77
USAA	$473	$80
Progressive	$497	$84
Travelers	$497	$84
Country Financial	$505	$85
American Family	$554	$93
California Casualty	$609	$101
Nationwide	$641	$108
Farmers	$859	$144
Allstate	$1162	$196

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 $89 per month and $521 for six months.

Cheapest Full Coverage Car Insurance Quotes in Gresham, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$521	$89
Capital Insurance Group	$826	$138
American Family	$971	$163
Country Financial	$995	$167
Travelers	$1034	$174
Progressive	$1067	$180
Encompass	$1091	$185
State Farm	$1115	$188
Nationwide	$1131	$190
USAA	$1131	$190
Mutual of Enumclaw	$1500	$255
Farmers	$1588	$267
Allstate	$2133	$359

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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	$861
30s	USAA	$702
40s	USAA	$651
50s	USAA	$625
60s	USAA	$651
70s	USAA	$791

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 $50 per month. At $7506 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$297	$50
Capital Insurance Group	$505	$84
Country Financial	$1339	$225
Travelers	$1773	$298
USAA	$1877	$316
State Farm	$1997	$336
American Family	$2735	$460
Progressive	$3096	$521
Nationwide	$5237	$891
Farmers	$7449	$1254
Allstate	$7506	$1264

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 $861 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 $537 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 $4097 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$537	$89
Capital Insurance Group	$625	$107
Nationwide	$778	$130
Country Financial	$1251	$211
Progressive	$1291	$217
American Family	$1532	$258
Travelers	$1669	$281
USAA	$2125	$362
Allstate	$3657	$609
Farmers	$3721	$633
State Farm	$4097	$683

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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 $425 and $505, respectively. Allstate is an expensive provider with an average six-month premium of $3344.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$425	$70
Capital Insurance Group	$505	$86
Capital	$570	$95
Encompass	$633	$108
State Farm	$842	$142
Travelers	$979	$165
USAA	$1003	$169
Country Financial	$1099	$185
Progressive	$1162	$196
Nationwide	$1283	$216
American Family	$1364	$230
Farmers	$2654	$447
Allstate	$3344	$563

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 $841 for a six month policy. While the rate increases by $304 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	$1131	$189
One Med/PIP claim	$1131	$192
Not-at-fault accident	$1170	$196
One comp claim	$1195	$203
Two Med/PIP claims	$1211	$201
Failure to wear a seat belt	$1291	$220
Two comp claims	$1323	$220
Child safety restraint	$1339	$228
Failure to show documents	$1339	$223
Driving without lights	$1347	$230
Driving with expired registration	$1380	$230
Speeding 11 - 15 MPH over limit	$1435	$244
Speeding 16 - 20 MPH over limit	$1435	$239
Speeding 6 - 10 MPH over limit	$1435	$244
Cell phone violation	$1443	$240
Driving too slowly	$1443	$246
Failure to yield	$1443	$240
Following too closely	$1443	$246
Illegal turn	$1443	$240
Texting while driving	$1443	$246
Wrong way/wrong lane	$1443	$240
Failure to stop at a red light	$1451	$247
Improper passing	$1451	$242
Passing school bus	$1508	$257
Speeding in school zone	$1508	$251
In 65 MPH zone	$1532	$261
Speeding 21 - 25 MPH over limit	$1539	$257
Open container	$1588	$270
At-fault accident - less than $1000	$1628	$271
Operating a vehicle without permission	$1636	$278
At-fault accident - $1000-$2000	$1732	$289
At-fault accident - greater than $2000	$1732	$294
Refusal to submit to a chemical test	$1940	$324
Racing	$1948	$331
DUI	$1972	$329
Reckless driving	$1980	$336
Driving with a suspended license	$1997	$333
Leaving scene of an accident/hit and run	$2061	$351

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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 $586 for a six-month policy. However, it can be as expensive as $3151 with companies like Nationwide.

Gresham car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$586	$100
Kemper	$722	$120
Progressive	$914	$154
State Farm	$1162	$196
Travelers	$1170	$197
American Family	$1459	$246
USAA	$1588	$267
Country Financial	$1836	$309
Farmers	$2558	$431
Allstate	$2719	$458
Nationwide	$3151	$536

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 $393. However, it can be as expensive as $3120 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	$393	$66
Capital Insurance Group	$473	$81
Nationwide	$641	$107
State Farm	$690	$116
Country Financial	$1010	$170
Progressive	$1010	$170
American Family	$1034	$174
Travelers	$1195	$201
USAA	$1195	$200
Allstate	$2614	$444
Farmers	$3120	$520

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 $259 in December compared to $255 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Gresham rose to $96 in December, compared to $93 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Gresham?

The car insurance in Gresham is $54 per month, which is lower than the national average.

What is the cheapest car insurance in Gresham?

The cheapest car insurance in Gresham is $89 per month for full coverage.

How much is car insurance in Gresham for teenagers?

Car insurance for teenagers costs $297 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 $860 for a six-month policy. It will cost around $196 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 $521 for a six-month policy.