Downtown Portland, Oregon

Oregon Auto Insurance Rates

One of the most common questions is “What determines my Oregon Auto Insurance Rates”?

Answering that question happens to be one of the most difficult questions to answer as there really isn’t one direct answer that would satisfy what you might be paying for your auto insurance.

One of the biggest factors that would put you in control of your insurance rates would be your driving record. Other factors which are not in your control would be your age, where you live, etc.

Below are many of the factors which shape your Oregon auto insurance rates.



 Marital Status




 Number of Driver

 Insurance Bureau Score

 Actual data shows that mature drivers have fewer accidents than less experienced drivers. As you get older you will see your premium drop.

 Year, Make and Model of Vehicle: Part of your premium is determined by what type of car your drive and how new it is.

 Driving Record: All companies consider your driving record. If you have a good driving record the odds are you’re going to pay less for insurance.

 Accidents: All companies consider your driving record. If you have a good driving record with NO accidents, the odds are you are going to pay less than someone who is prone to getting into accidents.

 Usage: ‘Business’ and ‘Commuting’ use is going to be more expensive than ‘Pleasure’ use because the more miles you drive, the more chance for accidents. Each company may have their own mileage limits in order to qualify.

 Comprehensive Claims: Most companies will review prior comprehensive claims such as theft, vandalism, etc. The frequency of claims could affect your rate.

 Coverages Selected: The limits and coverages that you select are going to determine your premium.

 Deductibles Selected: The deductible is the out-of-pocket amount you are willing to cover in the event of a loss. The higher your deductible the lower your premium.

 Other rating factors may include your prior insurance carrier, prior insurance limits & whether or not you had a lapse in coverage.

Insurance companies use financial responsibility information, your insurance score, to help determine premium, eligibility, or available payment plans. An insurance score is different from a credit score as it is a snapshot of your risk picture at a particular point in time based on credit report information. Insurance scoring comes from a few of these attributable factors:

 Outstanding debt

 Length of credit history

 Late payments, collections, bankruptcies

 New applications for credit

 Types of credit in use

An insurance credit scoring questions & answers can be found on the Oregon Insurance Division website and provides the requirements on the use of insurance scoring or credit history for personal insurance underwriting and rating.

You can request free copies of your credit report by visiting Additionally, you can also request a free copy of both your C.L.U.E.® Auto Report and your C.L.U.E.® Personalized Public Records Report annually as well.

Click here if you would like to get more details on what C.L.U.E. is and how insurance companies use the information.

 Multi-Car: If you insure more than one car with a company typically the company will provide a discount for multiple vehicles.

 Home Ownership: Those who own a home or condo will qualify for the home ownership discount through most companies.

 Account Credit: When you insure both a home policy and auto policy with same company an account discount credit is applied.

 Driver Training: Drivers who are under 21 who complete driver training qualify for this discount.

 Accident Prevention: Senior drivers who are 60 and older might obtain a discount by completing an accident prevention course.

 Good Student: If you are a student and maintain a B (3.0) or better you qualify for the good student discount.

 Distant Student: If you have a child who is 100+ miles away at school and does not have a vehicle at school you qualify for a discount.

 Anti-Theft Devices: Cars with anti-theft devices usually have fewer claims; if you have an anti-theft device you would qualify for this discount.

 Paid in Full: Some companies I work with provide a discount when you pay your premium in full.

 Tenure: Some companies may provide a loyalty discount for the length of time you stay with them.

 Military Deployment: Discounts are applied for insureds who are members of the military and have received orders for active deployment into Iraq or Afghanistan.

 Advance Submission: A credit is applied to new policies that are submitted 30 days before their effective date.

As an insurance broker I help individuals throughout Oregon and the Pacific Northwest manage risk.