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Cheap Car Insurance in Pendleton (Jan 2025)
Cheap Car Insurance in Pendleton (Jan 2025)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Oregon.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Head of Insurance Operations
Edited by Lina Zhang, Lisenced Insurance Agent
Learn more about our insurance review board
What's on this page?
- How to find the cheapest car insurance quotes in Pendleton
- Best car insurance companies in Pendleton
- Best cheap car insurance quotes in Pendleton
- Average cost of car insurance in Pendleton
- Car insurance quotes in Pendleton by rating factors
- How Do Different Factors Impact Your Car Insurance Costs in Pendleton?
- Cheap car insurance quotes in Pendleton after driving violations
- Cheap car insurance quotes in Pendleton by age
- Cheap car insurance quotes in Pendleton based on insurance history
- Cheap car insurance quotes in Pendleton for popular cars
- How to lower car insurance costs in Pendleton
- FAQ
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance quotes in Pendleton
In Pendleton, the average
auto insurance
policy costs about $115 per month for minimum coverage liability insurance, and about $218 per month for full coverage insurance. Pendleton drivers pay 23% less than the Oregon
average. Every month, thousands of savvy car insurance shoppers in Pendleton, Oregon use the
trusted broker
Jerry Insurance Agency to seamlessly compare prices and procure a policy. To prove it, here are some cheapest car insurance quotes Jerry found for our Pendleton customers. | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|
| Progressive | $120 | Edward, 45 Zip: 97801 | Buick Park Avenue | • State Minimum Liability |
| Nationwide | $88 | Calvin, 57 Zip: 97801 | Subaru Legacy GT Limited | • 50,000/100,000 Liability • Comp / Collision |
Safeco | $87 | Maurice, 42 Zip: 97801 | Dodge Durango SXT | • State Minimum Liability • Comp / Collision |
Kemper | $77 | Blanche, 26 Zip: 97801 | Dodge RAM 2500 ST | • State Minimum Liability |
Last Updated Jan 28, 2025Best car insurance companies in Pendleton
Here's the deal: there's no one-size-fits-all "cheapest" car insurance company out there. This is precisely why it's crucial for Pendleton drivers to analyze
car insurance quotes
from multiple companies. This ensures you pay the best price for the coverage you need.If you’re looking for the most budget-friendly car insurance company in Pendleton, you’re in luck! Jerry carried out the most extensive survey in the nation on insurance shopping in this part of the Beaver State.
In Pendleton, State Farm is often recognized for its competitive rates across a variety of driver profiles but customers we surveyed rated it just 4.4/5 for policy cost. Customers rated Infinity, Kemper, and AAA more highly for price—though overall ratings for Nationwide and Clearcover were also excellent at 5/5.
Let’s check out what real Pendleton customers had to say about these companies.
| Insurance Company | Overall Rating | Price | Claims Experience | Customer Service |
|---|---|---|---|---|
State Farm | 4.8 | 4.4 | N/A | 4.8 |
Bristol West | 4.3 | 3.9 | N/A | 4 |
Liberty Mutual | 4.2 | 3.3 | N/A | 4 |
| Progressive | 4 | 3.5 | 3.6 | 4.1 |
Geico | 3.8 | 3.3 | 3.4 | 3.8 |
Best cheap car insurance quotes in Pendleton
Under state law, all Pendleton drivers must carry liability coverage which includes bodily injury and property damage liability insurance. Depending on your circumstances, full coverage might be preferred to cover damage to your own vehicle.
All Oregonians must also carry uninsured motorist bodily injury coverage as well as personal injury protection (PIP). Auto insurance companies will offer this coverage to you automatically.
Cheap minimum liability insurance quotes in Pendleton
If you live in Pendleton and you drive, you are obligated to purchase at least the
state minimum car insurance requirements
for liability coverage before getting behind the wheel.In this state, the minimum required liability coverage levels are:
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $20,000 per accident.
These coverages can be summed up as 25/50/20.
Safeco
Maurice (42 years old)
$87
per month
National General
Floyd (39 years old)
$71
per month
The General
Fred (45 years old)
$112
per month
Do you need more than minimum coverage in Pendleton?
In Pendleton, it is common for drivers to seek higher liability coverage than what is mandated by the state's minimum requirement of 30/60/25.
If you cause an at-fault accident, paying for the costs of someone else’s medical expenses and car repairs could easily exceed the bare minimum limits. In other words, you’d be liable for anything above your policy’s coverage limits—and this could amount to thousands of dollars if the other party’s injuries were significant.
Cheap full coverage car insurance quotes in Pendleton
You can shield yourself from unexpected expenses by purchasing
full coverage car insurance
, which will cover the costs to repair or replace your own vehicle after an accident. - Collision coverage covers the cost of collision-related damage, like fixing or replacing a car.
- Comprehensive coverage pays for non-collision incidents like if your vehicle is vandalized or stolen, according to the state consumer’s guide to auto insurance.
If you have financed your car, your lender will mandate collision and comprehensive coverage to protect their investment.
Jerry helps Pendleton drivers find full coverage policies from the best car insurance companies at affordable prices.
| Insurance Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $98 | Terry, 42 Zip: 97801 | Dodge Durango SXT |
• 100,000/300,000 Liability • Comp / Collision | Travelers | $85 | Lola, 51 Zip: 97801 | GMC Suburban R15 Conventional |
• State Minimum Liability • Comp / Collision | Bristol West | $105 | Duane, 36 Zip: 97801 | Chevrolet HHR LT |
• State Minimum Liability • Comp / Collision | Kemper | $87 | Micheal, 49 Zip: 97801 | Ford Focus SE |
Last Updated Jan 24, 2025The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.Cheapest uninsured motorist coverage quotes in {city}
Pendleton drivers must carry u
ninsured motorist bodily injury protection
with limits that match the state liability limits—$25,000 per person and $50,000 per accident.Cheapest personal injury protection (PIP) quotes in {city}
Drivers in Pendleton must also carry at least $15,000 of
personal injury protection (PIP)
. That’s the limit per person involved in the accident, and PIP can cover medical expenses, lost wages, or even funeral expenses.One more note: Pendleton is located in Oregon, which is unique among at-fault states. You can sue another driver for damages (including pain and suffering) if they were at fault in the accident without any threshold that must be met first.
Average cost of car insurance in Pendleton
After analyzing scores of insurance providers in Pendleton, we have discovered that the average price for minimum liability coverage amounts to be $115 per month or $1,380 per year. Additionally, residents of Pendleton can expect to pay an average of $218 per month or $2,614 per year for full coverage insurance.
| Insurance coverage | Average insurance cost (monthly) | Average insurance cost (yearly) |
|---|---|---|
State minimum coverage | $57 | $680 |
Full coverage | $136 | $1,628 |
While it's useful to understand average insurance rates to estimate your personal insurance costs, it's important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.
Average cost of car insurance in Pendleton by zip code
The cost of car insurance in Pendleton can greatly differ depending on your specific zip code. Each individual zip code within Pendleton has its own unique driving risks which directly factor into your insurance quotes. Living in a neighborhood notorious for higher rates of car thefts and accidents increases its risk profile, thereby increasing premiums.
In short, the degree of risk tied to your zip code is a key determinant of whether your coverage will come with a higher or lower price tag.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
97801 | $57 | $112 |
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Sean S.
Car insurance quotes in Pendleton by rating factors
- Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
- Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
- Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.
- Your mileage: High annual mileage can result in higher insurance costs.
- The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
- Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.
How Do Different Factors Impact Your Car Insurance Costs in Pendleton?
How Do Different Factors Impact Your Car Insurance Costs in Pendleton?
Allowed (with applicable limitations): Education, occupation, employment status, gender, age, driving experience, credit history, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Oregon currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Pendleton:
Cheap car insurance quotes in Pendleton after driving violations
Your driving history is one of the main factors that impact your insurance rate. You will be quoted higher if insurance carriers observe a history of violations or risky driving. Common driving violations that can raise your rates include:
Cheapest car insurance in Pendleton after speeding ticket
Speeding comes in different sizes. In Pendleton, repercussions are different for speeding 1–5 MPH, 6–10 MPH, 11–15 MPH, 16–20 MPH, and 21+ MPH over the speed limit.
Speeding is classified as risky—and depending on your speed, reckless—driving behavior, so a
speeding ticket
will typically increase your car insurance premiums. Despite this, many drivers with varying speeding tickets have used Jerry to save on car insurance. | Speeding Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Speeding 1-5 | AAA | $72 | Nina, 33 Zip: 97801 | Mercedes-Benz SLK | • 50,000/100,000 Liability |
Speeding 6-10 | Travelers | $55 | Chad, 34 Zip: 97801 | Tesla Model S | • State Minimum Liability |
Last Updated Jan 29, 2025 Cheapest car insurance in Pendleton after DUI
A
DUI
in Pendleton is a serious violation and it will trigger extremely high rates for car insurance. Some companies may even refuse you coverage. Jerry has assisted many Pendleton drivers with finding affordable rates after a DUI.
Travelers
Katherine (42 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Pendleton, OR (Zip Code: 97801)
$69
per month
Cheapest car insurance in Pendleton after an at-fault accident
Your car accident history has a significant influence on your car insurance rates in Pendleton.
Before offering you a rate, car insurance companies must determine your level of risk. The company carefully reviews your past accidents—especially the ones where you were found at fault. If you were involved in an at-fault accident recently, there's a high chance that your car insurance rates might shoot up.
| Accident Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $120 | Robert, 45 Zip: 97801 | Buick Park Avenue | • State Minimum Liability |
Not At Fault | National General | $71 | Gary, 39 Zip: 97801 | Ford Explorer XLT | • State Minimum Liability |
| Nationwide | $88 | Harry, 57 Zip: 97801 | Subaru Legacy GT Limited | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Jan 25, 2025Cheapest car insurance in Pendleton after other driving violations
Speeding tickets, DUIs, careless driving, and
suspended licenses
on your driving record can all lead to rate hikes from any car insurance provider in Pendleton.Here’s a list of different driving violations and how we’ve helped drivers save on their car insurance expenses after these infractions.
| Violation | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Careless Driving | Progressive | $104 | Sean, 51 Zip: 97801 | GMC Suburban R15 Conventional | • 100,000/300,000 Liability • Comp / Collision |
Driving on Sus. License | Progressive | $120 | Elmer, 45 Zip: 97801 | Buick Park Avenue | • State Minimum Liability |
Last Updated Jan 25, 2025Cheap car insurance quotes in Pendleton by age
Young people and seniors generally face the highest insurance rates.
Due to their restricted driving backgrounds, young drivers typically pay more for insurance. Drivers may experience lower rates once they turn 25, but those rates won’t last forever. Seniors also see an increase in their insurance rates once they hit their mid 70s.
Cheapest car insurance in Pendleton for young drivers
Car insurance can be high for everyone in Pendleton, but teen drivers between the ages of 16 to 19 usually receive higher-than-average rates—even if they have a clean driving record.
The likelihood of a teen driver filing an insurance claim can be quite high, as well. To stay well-protected on the roads, teen drivers should be on a policy with full coverage in case an accident occurs. Staying on a parent’s policy is an ideal way to keep those
teen car insurance
rates lower, too.
Bobby (20 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Pendleton, OR (Zip Code: 97801)
$53
per month
Cheapest car insurance in Pendleton for senior drivers
- Higher risk of accident
- Higher cost to recover from an accident
The reality is that older drivers in Pendleton are more likely to be involved in an accident. They’re also more vulnerable to injuries in an accident, which may result in significant medical costs.
Cody (66 years old)
$75
per month
John (73 years old)
$80
per month
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Great feel for this app, It's helping me save money!
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Audrey
Cheap car insurance quotes in Pendleton based on insurance history
Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
. Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:
Lucile (45 years old)
$120
per month
Bobby (57 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Pendleton, OR (Zip Code: 97801)
$88
per month
Travelers
Katherine (51 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Pendleton, OR (Zip Code: 97801)
GMC Suburban R15 Conventional$85
per month
Safeco
Lewis (42 years old)
$87
per month
Cheap car insurance quotes in Pendleton for drivers with poor credit
While having
a low credit score
doesn't necessarily make you a bad driver, it can still result in higher insurance costs. That’s because insurance providers have observed a correlation between lower credit scores and a higher probability of filing claims.As a result, individuals with “bad credit” may face increased premiums. According to our data, drivers with credit scores below 550 typically encounter car insurance rates approximately 20% higher compared to those with credit scores above 750.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Safeco | $77 | Caroline, 53 Zip: 97801 | Dodge Journey GT | • 100,000/300,000 Liability • Comp / Collision |
660 - 750 | Progressive | $120 | Robert, 45 Zip: 97801 | Buick Park Avenue | • State Minimum Liability |
660 - 750 | Progressive | $120 | Dora, 45 Zip: 97801 | Buick Park Avenue | • State Minimum Liability |
550 - 659 | Bristol West | $105 | Allen, 36 Zip: 97801 | Chevrolet HHR LT | • State Minimum Liability • Comp / Collision |
< 550 | Safeco | $87 | Leo, 42 Zip: 97801 | Dodge Durango SXT | • State Minimum Liability • Comp / Collision |
Last Updated Jan 29, 2025Cheap car insurance quotes in Pendleton for popular cars
The make and model of your vehicle is an important factor in determining your insurance rate in Pendleton. Every model has a unique cost of repair, set of safety features, and rate of theft.
- Ford F-150
- Dodge RAM 1500
- Toyota RAV4
- Toyota Tacoma
- Subaru Outback
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Buick Park Avenue | Progressive | $120 | Lucile, 45 Zip: 97801 | • State Minimum Liability |
Last Updated Jan 29, 2025Cheapest car insurance in Pendleton for new vs. old car
Your vehicle’s make and model aren’t the only things that matter—its age does, too. The cost of insuring a newer car in Pendleton is generally more expensive than that of an older car.
Average insurance rates in Pendleton for vehicles based on age are:
- Vehicles 10 years or older: $218
- Vehicles less than 4 years old: $218
Safeco
Maurice (42 years old)
$87
per month
Calvin (57 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Pendleton, OR (Zip Code: 97801)
$88
per month
The General
Fred (45 years old)
$112
per month
Kemper
Blanche (26 years old)
$77
per month
How to lower car insurance costs in Pendleton
1. Shop around and compare quotes
Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: - Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
FAQ
How much is car insurance in Pendleton?
People living in Pendleton pay on average $115 per month – or $1,380 per year – on state-minimum liability coverage. Full coverage in Pendleton costs on average $218 per month of $2,614 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the cheapest car insurance in Pendleton?
Based on thousands of Pendleton drivers Jerry has worked with, car insurance in Pendleton costs an average of $115 per month for state-minimum coverage and $218 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the minimum car insurance in Pendleton, Oregon?
The state-minimum car insurance in Pendleton, Oregon is $25,000 in bodily injury liability per person, $50,000 per accident, and $20,000 for damage to property. These coverages are commonly referred to as 25/50/20 coverage.
What is the best car insurance in Pendleton?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. ,
USAA
, and Nationwide
receive good ratings from Pendleton drivers, based on the largest car insurance survey in the nation conducted by Jerry.Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Expert Insurance Writer and Editor
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
15 Years Working in Insurance
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to Jerry’s rapid growth.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. Before founding YourMechanic, Lina served as an intellectual property attorney at Morrison & Foerster LLP and a postdoctoral biomedical researcher at Stanford University.
Lina is a member of the State Bar of California, and a licensed property and casualty insurance broker in all 50 states and Washington, D.C.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s Vice President Insurance Operations and a licensed insurance professional with 18 years of experience in the industry. Previously, Josh worked for 14 years at GEICO, most recently as Director of Insurance Sales, Service, and Underwriting in the Buffalo, New York region, where he doubled the size of the team to 950+ licensed associates. Josh Damico is a licensed insurance agent in 48 states. Josh has appeared on news channels like FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.