Table of contents
How much is car insurance in Bend?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $26 a month cheaper to insure your vehicle in Bend than it is in the rest of Oregon.
If you're thinking of moving to Bend from out of state, you may still be in luck. You can expect to pay about $16 less for your policy in Bend than in the rest of United States.
While these are the average costs to insure your vehicle in Bend, keep in mind that you could end up paying a different amount. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've broken down the average rates for Bend to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to car insurance bills. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may begin to increase again in Bend.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Bend, the difference is around $4 per month. As you can see in the chart above, car insurance for women in the area typically costs around $62 each month, while men pay $66 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Those with clean records can expect to pay much less than those with infractions. Drivers in Bend with one accident will pay around $64 a month. In addition, drivers with a single ticket on their record can expect to pay around $82 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$41|
|15 Years or Older||$63|
According to the first table above, the cheapest vehicles to insure in Bend are by and large trucks and vans, at $55 per month.
SUV drivers will see rates of about $63 to insure their vehicle, while car owners usually pay around $67 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your rates begin to drop back down. In Bend, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$68|
Generally speaking, those who have settled down into marriage will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
At a national level, single drivers usually pay more than married couples do for auto insurance. Bend follows that pattern, with the difference totaling to around $14 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$56|
Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $14 a month more than drivers who own property in Bend. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Bend, OR
Recent trends in car insurance for Bend drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The cost of car insurance in Bend rose consistently from 2016-2020. It finished down in 2021, at $46.
How does Bend compare to neighboring areas?
Why are car insurance rates in Bend different from other areas?
There are a number of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:
- Road Safety (frequency of local car accidents)
- Number of drivers in the area
- Regional laws
- Prevalence of crime
- Off-street parking availability
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Bend?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering plans in Bend.
Bend Insurance FAQs
What factors affect car insurance quotes in Bend?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Bend different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Bend?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Bend?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Bend or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.