Best Car Insurance for Drivers With
Bad Credit in Oregon

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Bad Credit Car Insurance in Oregon

A poor credit score can negatively impact your financial well-being, especially when you need to borrow money for a car or house. Bad credit can also raise your insurance rates. A few states prohibit car insurance companies from using a driver's credit history as a factor in determining their rate. Unfortunately, Oregon is not one of those states. Most companies will run your credit if you try to get coverage.

While a poor credit score won't prevent you from getting coverage like it might a loan, you should expect to pay a higher insurance premium.

Oregon Car Insurance Rates for Bad Credit Drivers
Average Monthly Cost
$167
Excellent
$186
Good
$188
Average
$203
Poor
Credit Tier

Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does Bad Credit Impact Car Insurance Rates in Oregon?

Drivers with bad credit pay almost 10 percent more than average for car insurance in Oregon. Credit scores are just one factor companies look at when determining car insurance rates, however. According to the Insurance Information Institute, companies will review your driving record and claims history along with your total debt and payment history when they set your rate. Insurers use your credit score to figure out your risk level and likelihood that you'll file a claim in the future.

$186
Avg. Monthly Cost - for Drivers with Good Credit
$204
Avg. Monthly Cost - for Drivers with Bad Credit
$18 Monthly Impact of Bad Credit on Rates
9.68% Percent Bad Credit Impact Rates

Can I Get Car Insurance With No Credit Check in Oregon?

It is possible to get car insurance without a credit check in Oregon. There's a catch, however. Car insurance companies that don't check credit scores often charge higher premiums. Insurance companies that run credit checks do so to calculate how much risk comes with covering a driver. Without that check, the risk calculation is incomplete, and companies will charge more for coverage to compensate for that.

You may not want to go through a credit check, but it might be worth it to see if you can pay less for coverage with a standard car insurance company in Oregon.

Best Car Insurance Companies for Bad Credit in Oregon

Fortunately, there are plenty of car insurance options in Oregon if you have bad credit. Mile Auto, Kemper and Travelers offer some of the lowest monthly car insurance rates for Pennsylvania drivers with bad credit, so they'd be a great start. If they're not a fit, there are a number of other car insurance companies to check out that have average monthly rates of less than $200.

CarrierAvg. Monthly Cost
Mile Auto$113
Kemper$121
Travelers$125
Nationwide$181
Bristol West$184
Liberty Mutual$191
Midvale Home & Auto$194
Safeco Insurance$195
Dairyland Insurance$206
American Family Insurance$215

Oregon Car Insurance Rates by Credit Tier

Oregon car insurance rates follow a relatively straight path; the better your credit is, the lower your average monthly insurance cost will be. The difference in average monthly insurance costs between an Oregon driver with excellent credit and one with poor credit is about $36. This is further proof that a lot more than a driver's credit score goes into determining insurance rates.

Credit TierAvg. Monthly Cost
Excellent$167
Good$186
Average$188
Poor$203

Car Insurance Rates With Bad Credit in Oregon Cities

A poor credit score will be costly for drivers seeking car insurance in a handful of Oregon cities. Medford is one of the few cities where Oregon drivers with bad credit can expect a monthly payment of less than $150. Meanwhile, drivers in Portland, Beaverton and Salem are looking at a $180 per month car insurance bill if they have bad credit.

CityCredit TierAvg. Monthly Cost
PortlandPoor$249
SalemPoor$183
EugenePoor$175
BeavertonPoor$241
Klamath FallsPoor$118
MedfordPoor$143

Tips for Researching Bad Credit Oregon Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a state like Oregon draws a wide variety of choices when factoring insurance rates for drivers with bad credit.

Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.