Oregon Car Insurance for Bad Credit Drivers

Cheapest Companies for Drivers With Bad Credit in Oregon (2022)

For drivers with bad credit in Oregon, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Oregon. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in Oregon.

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.

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.

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.

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.

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.

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies