Bend, OR Car Insurance

Drivers in Bend pay around $62 a month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
Map of cities where drivers can find cheaper car insurance
Why You Can Trust Compare.com trust shield

At Compare.com, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.

How does Bend stack up to the rest of the area, or even Oregon as a whole? What should residents of Bend expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

How much is car insurance in Bend?

Area Average Monthly Car Insurance Premium
Bend$62
OR$83
United States$81

Car insurance coverage in Bend is about $21 cheaper than it is in the rest of Oregon.

Likewise, car insurance rates in Bend are often favorable when viewed against the rest of the country. You can expect to pay about $19 below the national average for auto insurance in Bend.

Keep in mind that these are the average auto insurance rates for Bend, and that the rate you get could end up being something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.

We've done the heavy lifting for you and broken down the average rate for Bend so that you can get a more accurate idea of what you might 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!


Find your best rate in just a few minutes


Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$178
18-24$108
25-34$59
35-44$51
45-54Not Enough Data
55-64$43
65+$47

It makes sense that older drivers would have more experience behind the wheel. When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay twice as much as someone who is retirement aged.

You can expect to see your monthly premium drop about once a decade or so. That said, once you hit retirement age, your rates may creep back up in Bend.

Average Car Insurance Rates by Gender

Gender Average
Male$63
Female$60

In general, women pay slightly less for car insurance than men. In Bend, although women do pay a little bit less on their monthly auto insurance coverage, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$64
Multiple Accidents$94
1 Ticket$67
Multiple Tickets$96

Rates can change drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Bend, a driving record with a single accident will usually get you a rate around $64 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $67 on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$41
2-3 Years$69
4-5 Years$98
6-7 Years$58
8-10 Years$54
11-14 Years$65
15 Years or Older$61

In terms of affordable coverage, the cheapest vehicles to insure in Bend are typically trucks and vans, at $58 per month.

SUV drivers will see rates of about $59, while the rates for car owners average out to about $65 per month.

Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, if your car is a few years old, you can expect to see your rates start dropping 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)$64
Married$51
Divorced$50
Widowed$53

On average, people who are married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.

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 $13 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$52
Rent$60
Live with parents$56

Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $8 a month more than drivers who own property in Bend. But if you live with your parents, you can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.

Car Insurance Companies in Bend, OR

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

The rates for car insurance in Bend had been increasing from 2017-2020, when they hit a high of $73. This pattern changed in 2021, when they began to decrease, and have continued on that road through 2022, when policy premiums reached a low of $49 a month.

How does Bend compare to neighboring areas?

Why are car insurance rates in Bend different from other areas?

Car insurance companies will take into account a number of factors when deciding how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:

  • Amount of off-street parking
  • Regional laws
  • Amount of drivers
  • Crime levels
  • Rate of car accidents

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. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Bend?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

But hold on! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering policies in Bend.


Find your best rate in just a few minutes


Bend Insurance FAQs

What factors affect car insurance quotes in Bend?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, address, marital status and driving record.

Why is the cost of car insurance in Bend different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Bend?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Bend?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea 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.

About Compare.com

Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of Compare.com's content is ever influenced by the companies and brands we partner with.
  • Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes