Finding affordable car insurance for 40 to 50 year old drivers in Oregon can be a challenging task, especially when you want to find the right option for your age, driving record and coverage needs.
In this blog, we will tell you the most effective ways to get cheap car insurance in Oregon. You will learn how to choose the right insurance plan for different scenarios like full coverage, minimum coverage, bad credit score, speeding tickets, accidents and DUI.
This post has been specially prepared for you, so that you can understand cheap car insurance options as per age and special needs. Read the entire article and choose the right insurance plan for you!
Cheap Car Insurance in Oregon by Age
Car insurance rates in Oregon vary greatly depending on age. Drivers between the ages of 40 and 50 are generally considered experienced and responsible, making them cheaper premium rates.
For drivers over 40
At age 40, drivers receive competitive rates. GEICO and State Farm are great options for full coverage, while providers like Progressive offer affordable plans for minimum coverage.
For drivers over 50
The premium further reduces at the age of 50. Providers like Allstate and Oregon Mutual offer comprehensive full coverage options, while California Casualty has cheaper options for minimum coverage.
Cheap Car Insurance for 40-Year-Old Drivers in Oregon
Drivers over 40 in Oregon are generally considered safe and responsible by insurance companies, making them eligible for affordable premiums. Here we’ll discuss cheap insurance options for drivers over 40, whether it’s full coverage, minimum coverage, bad credit score, or after a traffic violation.
Cheapest Full Coverage Car Insurance
Full coverage car insurance rates in Oregon for drivers over 40 can vary depending on different companies. Full coverage includes comprehensive protection for your vehicle, covering accidents, theft, and other risks. The table below details the average annual and monthly rates of some major insurance companies, which will help you make the right decision.
| Company | Median Annual Rate | Median Monthly Rate |
|---|---|---|
| QBE | $1,253 | $104 |
| CIG | $1,414 | $118 |
| California Casualty | $1,424 | $119 |
| Oregon Mutual | $1,542 | $129 |
| Kemper | $1,665 | $139 |
How to choose the best option?
- QBE is the cheapest option, with an annual rate of $1,253.
- If you prefer a local provider, Oregon Mutual may be a better fit for you.
- Choose the right plan as per your needs after comparing the rates of the companies.
Cheapest Minimum Coverage Car Insurance
If you’re looking for affordable car insurance plans over the age of 40 in Oregon, minimum coverage insurance may be a budget-friendly option for you. Minimum coverage insurance includes legally required protection, which provides limited financial protection against accidents or other risks. The table below details the average annual and monthly rates for minimum coverage from some of the major insurance companies in Oregon.
| Company | Median Annual Rate | Median Monthly Rate |
|---|---|---|
| California Casualty | $403 | $34 |
| QBE | $568 | $47 |
| CIG | $604 | $50 |
| Geico | $661 | $55 |
| State Farm | $671 | $56 |
How to choose the cheapest option?
- California Casualty is the cheapest option for minimum coverage, with an annual rate of $403 and a monthly rate of $34.
- Geico and State Farm offer comprehensive services at slightly higher rates.
- Compare companies and prioritize your individual needs to choose the right plan.
Cheapest Car Insurance with Poor Credit
Car insurance rates may be higher if you have a bad credit score, but choosing the right insurance provider can save you money. There are affordable insurance options available in Oregon for drivers over 40, even with bad credit. The table below details rates from companies that offer competitive premiums for drivers with poor credit scores.
| Company | Median Annual Rate | Median Monthly Rate |
|---|---|---|
| California Casualty | $859 | $72 |
| CIG | $905 | $75 |
| Geico | $995 | $83 |
| QBE | $1,007 | $84 |
| Oregon Mutual | $1,080 | $90 |
Which option is best?
- California Casualty is the cheapest option, with an annual rate of $859 and a monthly rate of $72.
- CIG and Geico offer better services at slightly higher rates.
- Oregon Mutual offers reliability and reasonable rates as a local provider.
Cheapest Car Insurance After One Speeding Ticket
If you have a speeding ticket on your record, your insurance rates may increase. However, there are companies that offer insurance plans for drivers over 40 in Oregon at competitive rates. The table below includes rates from companies that offer affordable insurance options after a speeding ticket.
| Company | Median Annual Rate | Median Monthly Rate |
|---|---|---|
| California Casualty | $601 | $50 |
| CIG | $641 | $53 |
| State Farm | $754 | $63 |
| Oregon Mutual | $814 | $68 |
| QBE | $838 | $70 |
Which option is most economical?
- California Casualty offers the cheapest rate, with an annual cost of $601 and a monthly rate of $50.
- CIG and State Farm are affordable options, with good coverage and slightly higher rates.
- Oregon Mutual and QBE offer local and comprehensive coverage plans.
Cheapest Car Insurance After an At-Fault Crash
If you are found responsible for an accident, your insurance rates may increase. However, there are insurance options available for drivers over 40 in Oregon that offer coverage at competitive rates. The table below includes rates from companies that offer affordable accident insurance plans.
| Company | Median Annual Rate | Median Monthly Rate |
|---|---|---|
| CIG | $672 | $56 |
| California Casualty | $760 | $63 |
| QBE | $838 | $70 |
| State Farm | $871 | $73 |
| Progressive | $924 | $77 |
Which option is best?
- CIG offers the cheapest post-accident rates, with an annual cost of $672 and a monthly cost of $56.
- California Casualty offers cover at reasonable rates, especially for drivers who prefer local service.
- Progressive offers comprehensive coverage at a slightly higher rate, suitable for more complex needs.
Cheapest Car Insurance After a DUI
Your insurance rates can increase significantly after a DUI (Driving Under the Influence). However, some companies offer affordable insurance plans for drivers over 40 in Oregon. The table below outlines affordable insurance options available after a DUI.
| Company | Median Annual Rate | Median Monthly Rate |
|---|---|---|
| CIG | $750 | $63 |
| Progressive | $791 | $66 |
| California Casualty | $870 | $72 |
| State Farm | $979 | $82 |
| QBE | $1,173 | $98 |
Which option is most economical?
- CIG offers the cheapest rates after a DUI, with an annual cost of $750 and a monthly cost of $63.
- Progressive also offers coverage at competitive rates, starting at $791 per year.
- If you want better service and broader coverage, California Casualty may be a good option.
Cheap Car Insurance for 50-Year-Old Drivers in Oregon
At age 50, drivers are generally considered safe and experienced by insurance companies. This may result in relatively lower premium rates. Here we will discuss affordable car insurance plans for drivers over 50 that are available for a variety of circumstances such as full coverage, minimum coverage, bad credit, speeding tickets, accidents, and after DUI.
Cheapest Full Coverage Car Insurance
Full coverage insurance for drivers over 50 is a comprehensive protection option that protects against accidents, theft, and natural disasters. Various insurance companies offer plans in this category at competitive rates. The table below details the annual and monthly average rates of some of the major companies for full coverage insurance.
| Company | Median Annual Rate | Median Monthly Rate |
|---|---|---|
| QBE | $1,303 | $109 |
| California Casualty | $1,348 | $112 |
| CIG | $1,377 | $115 |
| Oregon Mutual | $1,418 | $118 |
| Kemper | $1,477 | $123 |
Which option is most economical?
- QBE is the cheapest option, with an annual rate of $1,303 and a monthly rate of $109.
- If you want a balance of service and price, California Casualty and CIG may be better choices.
- As a local provider, Oregon Mutual offers reliable and competitive options.
Cheapest Minimum Coverage Car Insurance
Minimum coverage insurance for drivers over 50 is an affordable option that provides the legally required coverage. It is suitable for those who want to insure their car on a limited budget. The table below details the major insurance companies’ annual and monthly average rates for minimum coverage.
| Company | Median Annual Rate | Median Monthly Rate |
|---|---|---|
| California Casualty | $385 | $32 |
| CIG | $598 | $50 |
| Geico | $606 | $51 |
| Progressive | $619 | $52 |
| QBE | $634 | $53 |
Which is the most economical option?
- California Casualty is the cheapest option, with an annual rate of $385 and a monthly rate of $32.
- CIG and Geico offer better services at slightly higher rates.
- If you want comprehensive service, Progressive and QBE can also be good options.
Cheapest Car Insurance with Poor Credit
If you have a bad credit score, insurance rates may increase. However, many insurance companies offer affordable plans for drivers over 50 in Oregon. The table below details the major companies’ annual and monthly average rates for drivers with bad credit scores.
| Company | Median Annual Rate | Median Monthly Rate |
|---|---|---|
| California Casualty | $823 | $69 |
| CIG | $896 | $75 |
| Geico | $913 | $76 |
| Oregon Mutual | $976 | $81 |
| Kemper | $998 | $83 |
Which is the cheapest option?
- California Casualty is the cheapest option for drivers with poor credit scores, with an annual rate of $823 and a monthly rate of $69.
- CIG and Geico offer reliable coverage at slightly higher rates.
- Oregon Mutual and Kemper may be good choices with broader coverage and more options.
Cheapest Car Insurance After One Speeding Ticket
Your insurance rates may increase after a speeding ticket, but you can find affordable plans by choosing the right insurance provider. Some companies offer insurance plans for drivers over 50 in Oregon at competitive rates. The table below lists cheap insurance options after a speeding ticket.
| Company | Median Annual Rate | Median Monthly Rate |
|---|---|---|
| California Casualty | $573 | $48 |
| CIG | $635 | $53 |
| State Farm | $743 | $62 |
| Oregon Mutual | $765 | $64 |
| Geico | $771 | $64 |
Which is the most economical option?
- California Casualty offers the cheapest rate after a speeding ticket, with an annual cost of $573 and a monthly cost of $48.
- CIG and State Farm offer competitive rates with reliable coverage.
- Oregon Mutual and Geico may be good options with broader coverage.
Cheapest Car Insurance After an At-Fault Crash
If you are held responsible for an accident, insurance rates may increase. However, there are several affordable options available for drivers over 50 in Oregon. You can reduce your insurance costs by choosing the right insurance provider. The table below provides information about cheap insurance options after an accident.
| Company | Median Annual Rate | Median Monthly Rate |
|---|---|---|
| CIG | $664 | $55 |
| California Casualty | $722 | $60 |
| State Farm | $858 | $71 |
| Progressive | $889 | $74 |
| Oregon Mutual | $904 | $75 |
Which is the most economical option?
- CIG is the cheapest option, with an annual rate of $664 and a monthly rate of $55.
- California Casualty is a reliable option that offers coverage at affordable rates.
- State Farm, Progressive, and Oregon Mutual offer slightly higher rates with broader coverage.
Cheapest Car Insurance After a DUI
It is common for insurance rates to increase after a DUI (Driving Under the Influence), but there are cheaper options available for drivers over 50 in Oregon. Choosing the right insurance provider can help you get an affordable insurance plan despite the increased rates. The table below outlines cheap insurance options after a DUI.
| Company | Median Annual Rate | Median Monthly Rate |
|---|---|---|
| Progressive | $733 | $61 |
| CIG | $739 | $62 |
| California Casualty | $826 | $69 |
| State Farm | $964 | $80 |
| Travelers | $1,186 | $99 |
Which is the most economical option?
- Progressive is the cheapest option, with an annual rate of $733 and a monthly rate of $61.
- CIG is another competitive option, offering coverage for only a $739 annual premium.
- California Casualty is a good combination of reliability and affordable rates.
- State Farm and Travelers may be suitable for comprehensive coverage, although their rates are higher.
Cheapest Car Insurance for Military Families in Oregon
USAA is the most affordable and reliable car insurance company for military families. It provides insurance services exclusively for military service members, veterans and their families. USAA’s average annual rate is $885, making it affordable.
Additionally, it offers benefits like accident waiver, vehicle storage discount, and excellent customer service.
USAA’s plans are not only affordable, but also offer comprehensive coverage. This insurance company is known for its quality and dedication to military families. If you are a member of a military family in Oregon, USAA is an ideal choice.
Essential Tips for Drivers in Oregon
It is extremely important to be careful while driving and be prepared for possible accidents. Drivers in Oregon should not only look for affordable insurance options, but also be prepared to take the right steps if an accident occurs. Let’s find out what to do if you get into a car accident in Oregon.
What to Do If You Have a Car Accident in Oregon
- Stay Safe and Handle the Situation
- First, make sure you and others are safe. If possible, move the vehicle to the side of the road.
- Call Emergency Services
- Call 911 depending on the severity of the accident. Police and medical assistance may be needed.
- Collect Information
- The other driver’s name, address, and insurance details.
- Place and time of the incident.
- Information of witnesses.
- Prepare Photos and Documents
- Take photographs of the accident site, the condition of the vehicles and the damage. This will help in the claims process.
- Notify Your Insurance Provider
- Notify your insurance company as soon as possible and give them complete details of the incident.
- Get Police Report
- The report made by the police will be the official record of the accident. Keep it safe for insurance claims.
Conclusion
Getting cheap car insurance for 40 to 50 year old drivers in Oregon is not difficult if you choose the right option for your needs and budget.
In this blog post we discuss the most affordable insurance options for full coverage, minimum coverage, bad credit score, and other special circumstances. Comparing rates, taking advantage of discounts, and maintaining a clean driving record can help reduce your insurance expenses.