Cheapest Car Insurance In Bend, OR 2025
At just $42 per month, Kemper has the most affordable minimum coverage car insurance in Bend.
We’ve saved shoppers an average of $600 per year on their car insurance.
Shopping for the cheapest car insurance in Bend, OR, can lead to vastly different price options.
Drivers searching for the most affordable liability-only insurance should check out Kemper. Kemper is the go-to for low-cost full coverage, while young drivers get the best deals with State Farm.
Cheapest Car Insurance Companies In Bend, OR 2025
Cheapest Liability-only Car Insurance In Bend: Kemper
At just $42 per month on average, Kemper offers the most affordable minimum coverage car insurance in Bend.
The following table highlights the rate differences among various insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Kemper | $42 | $504 |
| CIG | $50 | $600 |
| Travelers | $47 | $564 |
| Progressive | $54 | $648 |
| State Farm | $51 | $612 |
Cheapest Full Coverage Insurance Rates In Bend: Kemper
Kemper is the most affordable choice for full coverage car insurance in Bend, with quotes averaging $68 per month.
This table compares the typical auto insurance rates from budget-friendly companies in Bend.
| Provider | Average Monthly Cost | Average Annual Cost |
| Kemper | $68 | $816 |
| American Family | $83 | $996 |
| Nationwide | $97 | $1,164 |
| State Farm | $103 | $1,236 |
| Farmers | $113 | $1,356 |
Cheapest Car Insurance Rates For Seniors: National General
Seniors in Bend will find the most budget-friendly car insurance from National General, costing around $51 a month.
Check out the table below for a breakdown of the cheapest auto insurance quotes for senior drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| National General | $51 | $612 |
| USAA | $64 | $768 |
| State Farm | $60 | $720 |
| Country Financial | $72 | $864 |
| Nationwide | $66 | $792 |
Cheapest Rates In Bend For Teenagers: National General
National General has the best rates for teen drivers in Bend, with average monthly premiums of $306.
Check out the table below to see which insurers offer the lowest rates for teens.
| Provider | Average Monthly Cost | Average Annual Cost |
| National General | $306 | $3,672 |
| Safeco | $370 | $4,440 |
| Direct Auto | $442 | $5,304 |
| Liberty Mutual | $371 | $4,452 |
| Bristol West | $440 | $5,280 |
Cheapest Auto Insurance For Young Adults in Bend: State Farm
State Farm has the lowest insurance rates for young adult drivers in Bend, with an average monthly premium of $104.
The following table breaks down the most affordable auto insurance options available to young adults in Bend.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $104 | $1,248 |
| County Financial | $115 | $1,380 |
| USAA | $107 | $1,284 |
| National General | $131 | $1,572 |
| Nationwide | $141 | $1,692 |
Cheapest Car Insurance In Bend For Good Drivers: Kemper
Kemper stands out as the most budget-friendly option for good drivers in Bend, offering rates around $42 per month.
If you’re a responsible driver, check the table below to compare affordable insurance options.
| Provider | Average Monthly Cost | Average Annual Cost |
| Kemper | $42 | $504 |
| CIG | $50 | $600 |
| Travelers | $47 | $564 |
| Progressive | $54 | $648 |
| State Farm | $51 | $612 |
Find affordable Bend rates
Cheapest Car Insurance In Bend After A Speeding Ticket: National General
With an average cost of $132 per month, National General is among the most affordable insurers in Bend for drivers with a speeding violation.
If you have a speeding ticket, refer to the table below for a comparison of average insurance rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| National General | $132 | $1,584 |
| Root | $148 | $1,776 |
| Direct Auto | $164 | $1,968 |
| Foremost | $182 | $2,184 |
| Liberty Mutual | $205 | $2,460 |
Cheapest For Drivers With After At-Fault Accident: National General
National General stands out as the cheapest option for drivers with an at-fault accident, with rates averaging $135 monthly.
If you have an at-fault accident on your record, these insurers offer the lowest car insurance rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| National General | $135 | $1,620 |
| Dairyland | $155 | $1,860 |
| Safeco | $144 | $1,728 |
| Foremost | $186 | $2,232 |
| Liberty Mutual | $209 | $2,508 |
Cheapest Rates In Bend For Drivers After A DUI: National General
Bend drivers with a DUI will find the most budget-friendly insurance with National General, at an average cost of $163 per month.
Use the table below to find the lowest car insurance costs for Bend drivers after a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| National General | $163 | $1,956 |
| Dairyland | $187 | $2,244 |
| Foremost | $211 | $2,532 |
| Direct Auto | $203 | $2,436 |
| Liberty Mutual | $237 | $2,844 |
Best Car Insurance Companies In Bend
Kemper has the lowest insurance rates in Bend at $42 per month, though Travelers ($47) and CIG ($50) also have affordable options.
Below, you’ll find the top 10 car insurance companies in Bend, OR, organized by their average monthly costs.
| Company | Monthly Premium |
| Kemper | $42 |
| CIG | $50 |
| Travelers | $47 |
| Progressive | $54 |
| State Farm | $51 |
| Country Financial | $53 |
| American Family | $57 |
| GEICO | $54 |
| Nationwide | $58 |
| Farmers | $64 |
Average Auto Insurance Rates In Bend – By Age
Age significantly impacts car insurance costs, with younger drivers facing steeper premiums due to their inexperience and accident risk. On average, teenagers pay about $7,196 per year for coverage.
As long as they drive safely, most drivers experience lower insurance rates once they turn 25.
Car insurance tends to be cheapest for drivers in their 50s and early 60s, as insurers use age to evaluate experience and potential risks.
| Age | Average Yearly Rate |
| Teenagers | $7,196 |
| 20s | $1,789 |
| 30s | $1,042 |
| 40s | $1,004 |
| 50s | $847 |
| 60s | $807 |
| 70s | $1,566 |
Average Rates In Bend – By Vehicle
Your vehicle choice affects your insurance price. Newer cars, especially high-end models with advanced features, tend to have more expensive coverage due to their higher repair and replacement costs.
Find the typical insurance rates for different cars in Bend by looking at the table below.
| Vehicle | Average Monthly Rate |
| Chevrolet Tahoe | $150 |
| Toyota Camry | $268 |
| Ford Explorer | $249 |
| GMC Sierra | $258 |
| Ford 150 | $146 |
How Much Is Car Insurance In Other Cities in Oregon?
Car insurance prices vary based on location. Insurers analyze accident rates, crime statistics, and vandalism frequency, which are typically worse in cities and result in steeper premiums.
Gresham drivers typically pay $163 per month for car insurance, while Grants Pass residents enjoy lower rates at around $96 per month.
| City | Average Monthly Rate |
| Lake Oswego | $131 |
| Portland | $160 |
| Klamath Falls | $104 |
| Beaverton | $153 |
| Hillsboro | $137 |
| Bend | $121 |
| Gresham | $163 |
| Corvallis | $112 |
| Grants Pass | $96 |
| Eugene | $109 |
Average Cost Of Auto Insurance In Bend – By Zip Code
Since insurers look at crime data by zip code, car insurance costs vary from one area to another.
The table below provides a breakdown of insurance rates by zip code in Bend.
| City | Average Monthly Rate |
| 97707 | $89 |
| 97702 | $130 |
| 97701 | $115 |
Find affordable Bend rates
Our Methodology
My analysis of car insurance providers in Bend, OR, is based on factors like customer service, affordability, policy offerings, and online ratings.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Bend?
Kemper offers the lowest rates for basic liability insurance in Bend, while Kemper has the best prices for full coverage, including collision and comprehensive protection.
What is the average cost of car insurance in Bend?
On average, Bend residents pay $120 per month for car insurance, but costs differ based on factors like location, vehicle type, and driving history.
