Compare Gardiner, OR Car Insurance Rates (2021)

Car insurance in Gardiner, OR averages $265 a month. Gardiner, Oregon car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Gardiner car insurance rates, compare quotes from the top car insurance companies in Gardiner, OR.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Gardiner, OR are $3,175/year
  • The cheapest car insurance company in Gardiner is State Farm
  • Average car insurance rates in Gardiner, OR after a DUI are $3,744/year

If you need to buy Gardiner, Oregon car insurance, the options can be confusing. Everything you need to know about car insurance in Gardiner, OR is right here.

You’ll find Gardiner car insurance rates, the cheapest Gardiner, OR car insurance companies, and information on Oregon car insurance laws. You can also compare Gardiner, Oregon car insurance rates to Salem car insurance rates, Corvallis car insurance rates, and Bend car insurance rates.

Ready to find affordable Gardiner, OR car insurance today? Enter your ZIP code for fast, free Gardiner car insurance quotes.

Cheapest Gardiner, OR Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Gardiner, OR car insurance rates? Every Gardiner, Oregon car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Gardiner, Oregon

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,913 $2,704 $2,654 $2,672 $8,536 $9,502 $3,042 $3,054
American Family $2,134 $2,134 $1,903 $1,903 $5,264 $8,240 $2,134 $2,236
Farmers $1,777 $1,730 $1,572 $1,674 $7,268 $7,400 $1,987 $2,032
GEICO $2,252 $2,170 $2,095 $2,106 $5,797 $5,277 $2,399 $2,068
Liberty Mutual $2,549 $2,689 $2,209 $2,444 $8,076 $8,712 $2,481 $2,522
Nationwide $2,149 $2,145 $1,912 $2,003 $4,949 $6,203 $2,509 $2,650
Progressive $1,845 $1,672 $1,602 $1,648 $7,931 $8,756 $2,205 $2,091
State Farm $1,405 $1,405 $1,283 $1,283 $4,422 $5,545 $1,593 $1,831
Travelers $1,714 $1,722 $1,539 $1,599 $4,736 $5,703 $1,787 $1,813
USAA $1,561 $1,516 $1,540 $1,490 $4,725 $5,080 $2,005 $2,088

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Minimum Car Insurance in Gardiner, OR

Every driver must carry the minimum car insurance in Gardiner, OR. Take a look at the Oregon car insurance requirements.

Minimum Required Car Insurance Coverage in Gardiner, Oregon

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

Cheapest Gardiner, OR Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Gardiner, OR. Compare credit history car insurance rates in Gardiner from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Gardiner, Oregon

Insurance Company Poor Fair Good
Allstate $5,752 $4,054 $3,348
American Family $4,117 $3,040 $2,573
Farmers $3,680 $3,009 $2,851
GEICO $3,643 $3,020 $2,398
Liberty Mutual $5,797 $3,430 $2,654
Nationwide $3,701 $2,943 $2,550
Progressive $3,899 $3,369 $3,139
State Farm $3,274 $2,090 $1,673
Travelers $3,229 $2,521 $1,980
USAA $3,743 $2,092 $1,667

Cheapest Gardiner, OR Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Gardiner, OR to rates for a clean record with top companies.

Annual Gardiner, Oregon Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,550 $4,768 $4,912 $4,309
American Family $2,254 $3,476 $4,356 $2,888
Farmers $2,680 $3,455 $3,379 $3,206
GEICO $1,992 $3,174 $4,165 $2,750
Liberty Mutual $3,504 $3,924 $4,514 $3,899
Nationwide $2,599 $2,783 $3,937 $2,940
Progressive $2,620 $4,765 $3,372 $3,119
State Farm $2,083 $2,714 $2,293 $2,293
Travelers $2,091 $2,670 $2,995 $2,550
USAA $1,819 $2,536 $3,521 $2,127

Cheapest Gardiner, OR Car Insurance for Teen Drivers

Teen car insurance in Gardiner, OR can be expensive. Take a look at rates from the top car insurance companies in Gardiner for teenagers.

Annual Car Insurance Rates for Teen Drivers in Gardiner, Oregon

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,536 $9,502
American Family $5,264 $8,240
Farmers $7,268 $7,400
GEICO $5,797 $5,277
Liberty Mutual $8,076 $8,712
Nationwide $4,949 $6,203
Progressive $7,931 $8,756
State Farm $4,422 $5,545
Travelers $4,736 $5,703
USAA $4,725 $5,080

Cheapest Gardiner, OR Car Insurance for Seniors

Take a look at Gardiner, OR senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Gardiner, Oregon

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,654 $2,672
American Family $1,903 $1,903
Farmers $1,572 $1,674
GEICO $2,095 $2,106
Liberty Mutual $2,209 $2,444
Nationwide $1,912 $2,003
Progressive $1,602 $1,648
State Farm $1,283 $1,283
Travelers $1,539 $1,599
USAA $1,540 $1,490

Cheapest Gardiner, OR Car Insurance Rates After a DUI

A DUI in Gardiner, OR increases car insurance rates. Compare Gardiner, Oregon DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Gardiner, Oregon

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,912
American Family $4,356
Farmers $3,379
GEICO $4,165
Liberty Mutual $4,514
Nationwide $3,937
Progressive $3,372
State Farm $2,293
Travelers $2,995
USAA $3,521

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Cheapest Gardiner, OR Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Gardiner, OR by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Gardiner, Oregon

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,385 $4,385
American Family $3,194 $3,293
Farmers $3,180 $3,180
GEICO $2,971 $3,070
Liberty Mutual $3,960 $3,960
Nationwide $3,065 $3,065
Progressive $3,469 $3,469
State Farm $2,286 $2,405
Travelers $2,475 $2,679
USAA $2,429 $2,572

The Best Cheap Car Insurance Companies in Gardiner, OR

Take a look at a side-by-side comparison of the top car insurance companies in Gardiner, OR to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Gardiner, Oregon

Insurance Company Average Annual Rates
Allstate $4,385
American Family $3,243
Farmers $3,180
GEICO $3,020
Liberty Mutual $3,960
Nationwide $3,065
Progressive $3,469
State Farm $2,346
Travelers $2,577
USAA $2,501

Category Winners: Cheapest Car Insurance in Gardiner, Oregon

Find the cheapest car insurance companies in Gardiner, OR for each category right here.

Best Annual Car Insurance Rates by Company in Gardiner, Oregon

Category Insurance Company
Teenagers USAA
Seniors State Farm
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

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Cheapest Gardiner, OR Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Gardiner car insurance rates. Find the cheapest Gardiner, OR car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Gardiner, Oregon

Insurance Company Low Medium High
Allstate $4,230 $4,375 $4,549
American Family $3,228 $3,428 $3,074
Farmers $2,992 $3,141 $3,408
GEICO $2,772 $3,036 $3,253
Liberty Mutual $3,755 $3,952 $4,175
Nationwide $2,940 $3,147 $3,108
Progressive $3,351 $3,453 $3,602
State Farm $2,220 $2,348 $2,470
Travelers $2,426 $2,564 $2,740
USAA $2,393 $2,503 $2,606

What affects car insurance rates in Gardiner, Oregon?

What factors can have an impact on Gardiner, OR car insurance? There are several reasons why Gardiner car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Gardiner, Oregon.

Commute Time in Gardiner

The more time you spend in your car the higher the risk of an accident. The average commute length in Gardiner, OR is 16.1 minutes according to City-Data.

Compare Car Insurance Quotes in Gardiner, OR

Ready to find affordable Gardiner, Oregon car insurance today? Enter your ZIP code for fast, free Gardiner, OR car insurance quotes.

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