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Get Cheap Car Insurance in Garden Home-Raleigh Hills, Portland, OR

We monitor insurance prices, helping the average driver in Garden Home-Raleigh Hills save up to 34.7% on car insurance.

 

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The Cheapest Minimum Coverage in Garden Home-Raleigh Hills

The chart below shows the cheapest car insurance company in Garden Home-Raleigh Hills for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by State Farm, Country Financial, and Travelers.

 
Garden Home-Raleigh Hills Insurer Monthly Cost
Metromile $71
State Farm $71
Country Financial $79
Travelers $82

Savings for Every Kind of Garden Home-Raleigh Hills Driver

The table shows how much the average auto insurance customer in Garden Home-Raleigh Hills might save by following our recommendations.

Based on our extensive insurance data, we know the average Garden Home-Raleigh Hills driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $528 per year by choosing the right vehicle insurance company. Some Garden Home-Raleigh Hills residents are paying out over $1,661 extra every year for auto insurance in Garden Home-Raleigh Hills. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Garden Home-Raleigh Hills, Portland, OR Savings / Yr.
Drivers with good records
$528
Drivers with accidents
$785
Drivers with speeding tickets
$640
Drivers with a DUI conviction
$719
Young drivers
$1,909
Married drivers
$515
Drivers with bad credit
$615

Garden Home-Raleigh Hills Car Insurance vs. Portland

People living in Garden Home-Raleigh Hills pay an average of 10.14% more than the typical driver in the state. The average driver in Garden Home-Raleigh Hills can expect to pay about $1,282 per year, or $1,661 for full coverage.

Based on our analysis, Metromile will be the cheapest provider in Garden Home-Raleigh Hills for most people.

Car Insurance Prices by Garden Home-Raleigh Hills Neighborhood

Garden Home-Raleigh Hills, Portland, OR map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Garden Home-Raleigh Hills?

The map shows insurance prices in and around Garden Home-Raleigh Hills, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $254 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,819 to a low of $1,565. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Southwest parts of Garden Home-Raleigh Hills.

Pick the Best Car Insurance Company for You in Garden Home-Raleigh Hills

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Garden Home-Raleigh Hills insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Garden Home-Raleigh Hills

For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $528 over the average Garden Home-Raleigh Hills car insurance company.

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We use the average good driver, paying $94 per month, as our baseline for pricing in Garden Home-Raleigh Hills. State Farm, Metromile, and Mile Auto are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Garden Home-Raleigh Hills drivers with accidents on their records

In Garden Home-Raleigh Hills getting into an accident will raise premiums an average 37% for a yearly cost of $2,629. That's $968 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Metromile, and Mile Auto are good choices for drivers with accidents.

In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $785 over the competition.

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The best car insurance company for Garden Home-Raleigh Hills drivers with speeding tickets

>Mile Auto gave the average person with a speeding ticket the most savings, averaging $640 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Garden Home-Raleigh Hills, tickets raise premiums on new quotes about $709. If you have a speeding ticket, we recommend State Farm, Mile Auto, and Metromile for savings that beat the average insurance cost of $2,370 per year.

The best auto insurance for Garden Home-Raleigh Hills drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,284 per year in auto insurance premiums, which was $623 more than a driver with no major issues. State Farm, Mile Auto, and Kemper penalized their customers the least for a DUI.

Getting a quote from Mile Auto may cost the average person with a DUI about $719 less each year.

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The least expensive car insurance company for new and young drivers in Garden Home-Raleigh Hills

In Garden Home-Raleigh Hills, Country Financial costs young drivers $1,909 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 70% more for insurance than more mature drivers in Garden Home-Raleigh Hills. With an average cost of $5,505 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Travelers, and Country Financial try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Garden Home-Raleigh Hills

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $93. State Farm, Progressive, and Country Financial provided the largest discounts to couples living in Garden Home-Raleigh Hills.

State Farm gave the largest car insurance discounts to married couples, averaging $515 saved each year compared to an average Garden Home-Raleigh Hills couple's premiums.

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The cheapest car insurance in Garden Home-Raleigh Hills for drivers with bad credit

People with poor credit saved an average of $615 with Mile Auto.

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Many people are surprised that their poor credit score can cost them an average of $836 every year. Premiums for people with poor credit were about $2,497 in Garden Home-Raleigh Hills. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Mile Auto, Kemper, and Country Financial.

The best Garden Home-Raleigh Hills car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Garden Home-Raleigh Hills, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Country Financial as the best provider in Garden Home-Raleigh Hills.

Nationwide was the best company for customer service in Garden Home-Raleigh Hills according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Garden Home-Raleigh Hills, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Garden Home-Raleigh Hills. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Garden Home-Raleigh Hills

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 45% of Garden Home-Raleigh Hills residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Garden Home-Raleigh Hills driver can expect to pay about $97 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Garden Home-Raleigh Hills, USAA has the best prices for drivers with a DUI conviction, drivers with bad credit, good drivers, drivers with speeding tickets, young drivers, married couples, and drivers with accidents.
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Auto Insurance Prices in and Around Garden Home-Raleigh Hills

What Influences the Cost of Car Insurance in Garden Home-Raleigh Hills?

On average, car insurance in Garden Home-Raleigh Hills is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:

  • The average commute time in Garden Home-Raleigh Hills is 27 minutes, which is a little less than average for a driver in the city.
  • Oregon state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Garden Home-Raleigh Hills are higher than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
  • Garden Home-Raleigh Hills is a lightly populated area in the state. The neighborhood’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Garden Home-Raleigh Hills is $107 per month for minimum coverage and $138 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Garden Home-Raleigh Hills driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Garden Home-Raleigh Hills with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.