Cheap Car Insurance in Gresham, OR
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Everything You Need to Know About Auto Insurance in Oregon
Gresham offers local residents fast access to Portland, but it also gives residents a breather from city living. You’ll find the 40-Mile Loop and other bike trails, river access along the northern border of town, and easy navigability along Gresham’s well-maintained roads. Highway 26 cuts through the middle of town, making driving fast and simple.
Driving is even simpler with the right car insurance in Oregon coverage that meets legal requirements and gives you additional peace of mind. Freeway Insurance serves Gresham residents with budget-friendly and accessible coverage options. Learn more about what to expect for your premiums and how to save money.
How Much Does Car Insurance Cost in Gresham, Oregon?
Most Oregon drivers pay lower than the national average, which can lead to savings in your wallet over time. If you live in Gresham, you and your neighbors will generally spend around $66 a month for liability insurance or $136 for full insurance.
This is slightly lower than Oregon’s state-wide averages of $69 a month for liability insurance and more substantively cheaper than the $174 a month for full insurance. Similarly, Gresham drivers pay slightly less than the average American for liability coverage ($67 for the nationwide average) and much less for full insurance, which has a national average cost of $223.
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What Does Full vs. Minimum Mean?
Those two Gresham averages—$66 and $136—are very different. Liability insurance is a low-cost option that only includes the state-mandated liability coverage for damage done to other drivers and their property. It doesn’t cover your own property or injuries.
Compare that to full insurance, which includes liability coverage, collision coverage for your vehicle and potential injuries, and comprehensive coverage for non-collision events like theft or weather-related damage. Full insurance also often has much higher liability coverage than minimum plans.
Affordable Car Insurance Rates Comparison by Cities in Oregon
One of the biggest factors that can influence the amount you pay every month for car insurance is your location. See how typical payments differ between Gresham and nearby Oregon towns:
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Gresham | $136 | $66 |
| Portland | $115 | $55 |
| Clackamas | $128 | $63 |
| Lake Oswego | $116 | $55 |
| Cottrell | $128 | $59 |
Affordable Gresham Car Insurance Rates by Zip Code
But insurance rates can vary from zip code to zip code, not just between cities. Insurance companies evaluate the unique risks of different zip code-defined areas, including road conditions, reported theft, car collision rates, and other factors, to make personalized quotes tailored to your zip code.
Find your zip code below and see how it compares to other zip codes in and around Gresham:
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 97024 | $136 | $66 |
| 97030 | $137 | $67 |
| 97080 | $134 | $65 |
| 97230 | $142 | $69 |
| 97233 | $151 | $75 |
| 97236 | $147 | $72 |
| 97814 | $96 | $35 |
| 97009 | $128 | $59 |
| 97089 | $129 | $61 |
Low-Cost Car Insurance Rates by Age in Gresham
Age can affect your insurance premium rates even more than location. Age correlates highly with experience behind the wheel and overall risk. Because of this, teenage drivers with just a few months of driving experience can pay triple the rate of more experienced drivers. Drivers in their 30s and older see rates stabilize, with senior rates starting to climb slightly again.
Find your age below for an even closer estimate of what you might pay for liability or full coverage:
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $450 | $222 |
| 20s | $152 | $72 |
| 30s | $132 | $65 |
| 40s | $126 | $64 |
| 50s | $119 | $61 |
| 60s | $125 | $65 |
| 70s | $158 | $83 |
*Information is based on average rates for 30-year-old males for state liability minimum policies and full insurance policies with 100/300/100 coverage unless otherwise noted.
Driving Conditions in Gresham
Driving in Gresham is a pleasant experience, with Highway 26 and Interstate 84 staying clear and fast-moving most of the day. However, there will be some congestion during peak hours, especially around interchanges like Highway 26 and SE 17th Avenue or Highway 26 and SW Highland Drive.
The grid layout of Gresham’s local roads makes the city easy to navigate with minimal delays or confusion, and the city invests in regular maintenance and improvement projects to keep the roads safe and well-organized.
How Many Fatal Accidents Happen in Gresham?
Gresham is in Multnomah County. In 2022, Multnomah County had a total of 8,087 car accidents, and Gresham had 950 car accidents. County-wide, there were 87 fatalities, 4,470 nonfatal injuries, and 3,530 incidents of property damage; Gresham had nine fatalities.
The statistics indicate a slight increase in car collisions over time. Drivers can protect themselves from mild and severe traffic accidents by practicing defensive driving, preparing for weather-related driving challenges, and planning for congestion and high-traffic conditions near Portland.
How Are the Road Infrastructure and Bridges in Gresham?
The roads throughout Gresham are in generally good condition, though Multnomah County overall has an aging infrastructure. The city and county are focusing on roadway improvements to ease congestion, and there are unstarted projects for improving local bridges with a “poor” quality designation.
Minimum Car Insurance Requirements in Gresham
Oregon mandates that all drivers in the state need to have a minimum amount of liability insurance. Liability insurance covers damages for other parties when you cause an accident, such as car repairs, medical bills, and other property damage. If the damages are greater than your coverage amounts, you’ll be responsible for paying the difference.
In Oregon, you must have at least:
- Bodily injury liability coverage amounts of $25,000 per person and $50,000 per incident
- Property liability coverage of $20,000 per incident
These coverages may not be enough to protect your finances. That’s why many Oregon drivers decide to have higher coverage amounts or opt for a full insurance policy with more liability coverage and collision and comprehensive coverage.
What Are the Penalties for Driving Without Insurance in Gresham, Oregon?
Driving without insurance is a crime in Oregon. As a result, you can incur severe penalties when you’re caught. There are also indirect penalties, such as higher insurance premiums because you represent a bigger risk to insurance companies.
The direct penalties you can face are:
- Fines of between $130 and $1,000
- License suspension
- Vehicle impoundment and the associated fees
- Being required to hold SR-22 insurance, which significantly increases the cost of insurance
Penalties increase for repeated offenses.
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Factors Allowed in Gresham Car Insurance Rates
Car insurance companies consider location and driving experience when creating personalized quotes for potential customers. But there are additional factors they can consider to determine the likelihood of a claim and the expense of that claim, which affects how much you’ll need to pay as your monthly premium.
Some additional factors are:
- Your car’s make and model, as some cars are more prone to malfunctions or indicate riskier driving habits than others.
- Your coverage amount, as more coverage leads to higher premiums.
- Your deductible, because increasing your deductible makes potential payouts smaller, decreasing the risk of insuring you.
What’s the Best Car Insurance for Teenagers and Their Family in Gresham, Oregon?
If you have a dependent who’s just beginning to drive, car insurance can be prohibitively expensive. Family policies that cover multiple drivers can be less expensive than separate policies for an adult driver and a teenage driver.
However, it’s important to consider more than just the monthly cost. While liability coverage is cheaper than full insurance, full insurance covers injuries, damage to your car, and accidental damage from non-collision events, which can give everyone more peace of mind.
What Are the Best Discounts for Car Insurance in Gresham, OR?
Shopping around for competitive rates and tailored coverage is a great first step for finding budget-friendly coverage. The next step is asking your insurance company about discounts that can bring the price down even more.
Some discounts to look for are:
Get an Online Quote for Car Insurance in Gresham Today!
Gresham is a safe, pleasant place to drive, but it’s still important to have the right coverage. Freeway Insurance specializes in making good coverage more accessible so all drivers can find liability coverage, full insurance, and everything in between.
Ready to find your next insurance policy? Reach out to Freeway Insurance on the phone at (800) 777-5620, visit a local office, or get a quick quote online to start the process.
By clicking Start Quote, I agree to the Privacy Policy and
By clicking Start Quote, I agree to the Privacy Policy and