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How much is car insurance in Gresham?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $50 a month more expensive to insure your vehicle in Gresham than it is in the rest of Oregon.
Likewise, residents of Gresham might expect to pay higher rates for coverage than the rest of the country. The cost of auto coverage in Gresham is about $52 more expensive than the national average.
These rates may be the average amount residents of Gresham pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
Don't sweat it however, we've broken down the average rate for Gresham residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay two times the price that someone who is retirement aged.
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 go back up in Gresham.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. This is true in Gresham, where women pay around $18 less per month. As you can see in the table above, male drivers in the area typically pay $142 on average, while female drivers typically pay $124 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Gresham with one accident will pay around $186 a month. Similarly, drivers with one ticket will typically pay around $130 on average.
Accidents, tickets, and other driving infractions can cost you some serious cash. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$347|
|15 Years or Older||$131|
According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Gresham, with drivers paying around $91 per month for insurance coverage.
SUV drivers will see rates of about $101, while the rates for car owners average out to about $150 a month.
Your vehicle's age also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is about 5 years old, however, you may see your bill start to shrink a bit. In Gresham, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$142|
More often than not, people who are married will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
In Gresham, the difference in rates based on relationship status can be as much as $14 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$100|
Your housing situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $31 a month more than those who own their own home in Gresham. But if you live with your parents, your rates will be significantly higher.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Gresham, OR
Recent trends in car insurance for Gresham drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
In Gresham, car insurance rates increased from 2017-2018, but began to turn downward in 2021. This pattern has continued through 2022 when rates have most recently hit $82 per month.
How does Gresham compare to neighboring areas?
Why are car insurance rates in Gresham different from other areas?
There are a variety of factors car insurance companies take into consideration when choosing how much to charge for coverage. Many factors affecting your policy are based around where you live and drive. These factors include things like:
- Rate of crime
- Access to off-street parking
- Area laws
- Road Safety (how many accidents each locality has)
- Total number of drivers in the region
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Gresham?
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 wait! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing policies in Gresham.
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Gresham Insurance FAQs
What factors affect car insurance quotes in Gresham?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Gresham different from other neighboring cities?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Gresham?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Gresham?
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Gresham or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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