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Car Insurance Quotes in Bend, OR

Full coverage / year
$1,843
State minimum / year
$776
Typical quote range
$1,309 – $2,543

The estimated cost of full coverage car insurance in Bend is $1,843 a year, against $776 for a state-minimum policy. That tracks the Oregon average closely, reflecting typical suburban driving patterns. Two drivers on the same street routinely pay double the difference, so treat the average as a starting point and quote your own profile.

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Car insurance calculator — Bend, OR

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$154/ month
$1,843 per year · carriers in Bend, OR typically quote $1,309 – $2,543
See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Bend, OR

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$1,401$117-24%Military members and families only
Geico$1,511$126-18%Usually cheapest for clean records
State Farm$1,622$135-12%Strong for young and student drivers
Progressive$1,751$146-5%Competitive after a ticket or accident
Travelers$1,788$149-3%Good multi-policy discounts
Nationwide$1,843$1540%Mid-market, wide availability
Allstate$2,101$175+14%Higher base rate, heavy discount stacking
Farmers$2,230$186+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Bend, OR. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Bend

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$4,978$2,096$415
18 years old$4,199$1,768$350
20 years old$3,477$1,464$290
22 years old$2,888$1,216$241
25 years old$2,204$928$184
30 years old$1,900$800$158
40 years old$1,786$752$149
50 years old$1,710$720$143
60 years old$1,691$712$141
65 years old$1,767$744$147
70 years old$1,938$816$162
75 years old$2,261$952$188

Estimated premiums by age in Bend, OR, clean record, sedan.

What a ticket, accident or DUI costs in Bend

Driving recordEst. annualIncrease
Clean record$1,843—
1 speeding ticket$2,267+23%
1 at-fault accident$2,709+47%
DUI / DWI$3,483+89%

What a violation costs a 35-year-old in Bend, OR. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in Oregon

Every driver registering a vehicle in Oregon must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Oregon Department of Insurance.

Required coverage in OregonMinimum limit
Bodily injury liability, per person$25,000
Bodily injury liability, per accident$50,000
Property damage liability$20,000
PIP $15,000Required
Uninsured motorist 25/50Required
Insurance systemAt-fault (tort)

Coverage levels compared in Bend

Coverage levelEst. annualEst. monthly
State minimum liability$776$65
Full coverage (100/300/100 + comp & collision)$1,843$154
Full coverage, high limits + low deductible$2,193$183

Coverage level comparison for Bend, OR.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Bend

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Bend covers 97701, 97702, 97707, 97708, 97709 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Bend, OR?
Full coverage in Bend is estimated at $1,843 a year ($154 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $776 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in Oregon?
Oregon requires at least $25,000 bodily injury per person, $50,000 per accident and $20,000 property damage, plus pip $15,000, uninsured motorist 25/50. Oregon is an at-fault state, so the driver responsible for the crash pays for the damage.
▸Who has the cheapest car insurance in Bend?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Bend for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Bend?
An 18-year-old in Bend is estimated at $4,199 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Bend?
A DUI takes the estimate from $1,843 to about $3,483 a year in Bend, an increase of roughly 89%. Oregon drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Bend?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

RedmondSpringfieldLebanonEugeneAlbanyFour CornersThe DallesCorvallis

Comparing more of Oregon? See every Oregon city we price or read the cheap car insurance guide for Bend.