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Get Cheap Car Insurance in Happy Valley, OR
We monitor insurance prices, helping the average driver in Happy Valley save up to 34.7% on car insurance.
The Cheapest Minimum Coverage in Happy Valley
The chart below shows the cheapest car insurance company in Happy Valley 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.
| Happy Valley Insurer | Monthly Cost |
|---|---|
| Metromile | $73 |
| State Farm | $73 |
| Country Financial | $81 |
| Travelers | $84 |
Savings for Every Kind of Happy Valley Driver
Based on our extensive insurance data, we know the average Happy Valley 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 $539 per year by choosing the right vehicle insurance company. Some Happy Valley residents are paying out over $1,698 extra every year for auto insurance in Happy Valley. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Happy Valley, OR Savings / Yr. |
|---|---|
$539 |
|
$803 |
|
$654 |
|
$735 |
|
$1,951 |
|
$527 |
|
$628 |
Happy Valley Car Insurance vs. Oregon
People living in Happy Valley pay an average of 12.59% more than the typical driver in the state. The average driver in Happy Valley can expect to pay about $1,311 per year, or $1,698 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Happy Valley for most people.
Car Insurance Prices by Happy Valley Neighborhood
Insurance Prices
Where is insurance cheapest within Happy Valley?
The map shows insurance prices in and around Happy Valley, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $247 per year within the city boundaries, with insurance premiums ranging from a high of $1,821 to a low of $1,574. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the North parts of Happy Valley.Pick the Best Car Insurance Company for You in Happy Valley
The best car insurance provider for most drivers in Happy Valley
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $539 over the average Happy Valley car insurance company.
The best car insurance provider for Happy Valley drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $803 over the competition.
The best car insurance company for Happy Valley drivers with speeding tickets
>Mile Auto gave the average person with a speeding ticket the most savings, averaging $654 better than other car insurance companies.
The best auto insurance for Happy Valley drivers with a DUI conviction
Getting a quote from Mile Auto may cost the average person with a DUI about $735 less each year.
The least expensive car insurance company for new and young drivers in Happy Valley
In Happy Valley, Country Financial costs young drivers $1,951 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Happy Valley
State Farm gave the largest car insurance discounts to married couples, averaging $527 saved each year compared to an average Happy Valley couple's premiums.
The cheapest car insurance in Happy Valley for drivers with bad credit
The best Happy Valley car insurance company for customer service
Nationwide was the best company for customer service in Happy Valley according to the NAIC.
Recent price drops
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The cheapest large national provider in Happy Valley
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Happy Valley driver can expect to pay about $97 per month.
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 Happy Valley, 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.Auto Insurance Prices in and Around Happy Valley
What Influences the Cost of Car Insurance in Happy Valley?
On average, car insurance in Happy Valley 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 city are influenced by the following factors:
- The average commute time in Happy Valley is 35 minutes, which is a little more than average for a driver in the state.
- 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 Happy Valley are lower 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 C according to CrimeGrade.org.
- Happy Valley is one of the least populated areas in the state. The city’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 Happy Valley is $109 per month for minimum coverage and $141 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 Cities
- Clackamas: Insurance costs 1.77% less
- Johnson City: Insurance costs 7.18% less
- Oatfield: Insurance costs 4.71% less
- Damascus: Insurance costs 4.00% less
- Milwaukie: Insurance costs 1.88% less
- Gladstone: Insurance costs 5.65% less
- Oak Grove: Insurance costs 2.41% less
- Gresham: Insurance costs 4.77% more
- Marylhurst: Insurance costs 6.01% less
- Portland: Insurance costs 8.24% less
Cities with Similar Populations
- Wadsworth: Insurance costs 36.22% less
- Chillum: Insurance costs 37.75% more
- Christiansburg: Insurance costs 32.33% less
- Coram: Insurance costs 59.95% more
- Garfield Heights: Insurance costs 24.85% less
- Shenandoah: Insurance costs 97.94% more
- Suisun City: Insurance costs 26.50% more
- Summerfield: Insurance costs 41.11% more
- Tewksbury: Insurance costs 8.42% less
- Warsaw: Insurance costs 33.04% less