Best Gladstone, Oregon Auto Insurance in 2024 (Check Out the Top 10 Companies)
State Farm, Geico, and Progressive offer the best Gladstone, Oregon auto insurance, with minimum coverage that starts at $68/mo. State Farm leads the way with extensive coverage. Geico's offering the lowest rates, and Progressive enables Gladstone drivers to design policies to suit their needs.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Oct 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Full Coverage in Gladstone OR
A.M. Best Rating
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You can find best Gladstone, Oregon auto insurance coverage from State Farm, Geico, and Progressive, with rates starting at $68 a month. State Farm is a top choice for their bundling discounts that can save you 20% on your premiums.
Geico is known for being cheap. Progressive has a tool called Name Your Price. It helps people find the insurance they can afford.
In Gladstone, to find cheap auto insurance, a driver must know what they need. They must gather quotes from several companies and look for any discounts available.
Our Top 10 Company Picks: Best Gladstone, Oregon Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Comprehensive Coverage | State Farm |
 | #2 | 8% | A++ | Affordable Rates | Geico |
 | #3 | 12% | A+ | Customizable Plans | Progressive |
 | #4 | 20% | A+ | Bundling Discounts | Allstate |
 | #5 | 13% | A | Customizable Policies | Farmers |
 | #6 | 15% | A | Extensive Discounts | Liberty Mutual |
 | #7 | 6% | A++ | Superior Service | USAA |
 | #8 | 18% | A | Local Agents | American Family |
 | #9 | 14% | A+ | Deductible Rewards | Nationwide |
 | #10 | 9% | A+ | Senior Benefits | The Hartford |
See which companies have the cheapest minimum auto insurance rates by entering your ZIP code into our free comparison tool above.
- State Farm offers Gladstone drivers coverage for valuable items inside vehicles
- Geico provides Gladstone’s cheapest minimum coverage at $68 monthly
- Progressive’s Name Your Price tool helps build budget-based policies
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#1 – State Farm: Top Overall Pick
Pros
- Extensive Coverage Options: Offers Gladstone’s widest range of coverage types, including specialized protections.
- High Liability Limits: Provides up to $1 million in liability coverage for Gladstone drivers.
- Personal Article Coverage: Unique option for Gladstone drivers to insure valuable items inside the vehicle. (Learn More: State Farm Auto Insurance Review)
Cons
- Higher Premiums: Full coverage at $160 monthly is above Gladstone’s average.
- Limited Online Claims: Less advanced digital claim filing compared to other competitors in Gladstone.
#2 – Geico: Best for Affordable Rates
Pros
- Lowest Minimum Coverage: Gladstone’s most affordable basic policy at $78 monthly, learn more about their rates in our Geico auto insurance review.
- Competitive Full Coverage: Comprehensive protection at $150 monthly, below Gladstone average.
- Affordable Add-Ons: Cost-effective extras like roadside assistance for budget-conscious Gladstone drivers.
Cons
- Few Local Agents: Limited in-person support options in Gladstone.
- Basic Roadside Assistance: Less comprehensive emergency services for Gladstone policyholders than some competitors.
#3 – Progressive: Best for Customizable Plans
Pros
- Name Your Price Tool: Allows Gladstone drivers to build policies based on their budget.
- Coverage Customizer: An interactive tool that customizes policies to the needs of Gladstone individuals.
- Flexible Deductibles: Gladstone policyholders have options to adjust deductibles for various coverage types.
Cons
- Complex Choices: Many options may overwhelm some Gladstone drivers, explore our Progressive auto insurance review as we tackle each policies.
- Higher Rates for Poor Credit: Gladstone drivers with low credit scores may face steeper premiums.
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#4 – Allstate: Best for Bundling Discounts
Pros
- Highest Bundling Discount: Up to 20% savings for combining auto with home insurance in Gladstone.
- Multi-Car Discount: Significant savings for Gladstone households with multiple vehicles.
- Home-Auto Combo Perks: Gladstone can enjoy single deductible benefit for bundled policies, learn more about their perks in our Allstate auto insurance review.
Cons
- High Base Premiums: $88 monthly for minimum coverage is among Gladstone’s highest.
- Limited Rideshare Coverage: Less comprehensive options for Gladstone’s gig economy drivers.
#5 – Farmers: Best for Customizable Policies
Pros
- Customizable Packages: Three customizable packages that are tailored to Gladstone citizen needs and budgets.
- Unique Add-Ons: Distinctive options like custom equipment coverage for Gladstone drivers.
- Flexible Accident Forgiveness: Gladstone policyholders can customizable terms for accident forgiveness as highlighted in our Farmers auto insurance review.
Cons
- Higher Rates: $142 monthly for full coverage is on the higher end in Gladstone.
- Complex Policies: High customization may complicate policy understanding for some Gladstone drivers.
#6 – Liberty Mutual: Best for Extensive Discounts
Pros
- Numerous Discount Options: As mentioned in our Liberty Mutual auto insurance review, they offer the most discount categories in Gladstone.
- Stackable Savings: Gladstone policyholders are able to combine multiple discounts for maximum premium reduction.
- Profession-Based Discounts: Unique savings for specific occupations in Gladstone.
Cons
- High Premiums: $150 monthly for full coverage is among Gladstone’s highest.
- Complex Quote Process: More time-consuming than some competitors to get a Gladstone quote.
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#7 – USAA: Best for Superior Service
Pros
- Top-Rated Claims Service: Consistently highest-ranked for customer satisfaction in Gladstone.
- 24/7 Support: Our USAA auto insurance review showcases their round-the-clock personalized assistance for Gladstone members.
- Streamlined Claims Process: Gladstone citizens mentioned USAA’s efficient and user-friendly claim filing and tracking.
Cons
- Restricted Eligibility: Only available to Gladstone’s military community.
- Limited Local Presence: Few physical offices in Gladstone area.
#8 – American Family: Best for Local Agents
Pros
- Extensive Local Agent Network: Largest number of in-person agents in Gladstone.
- Personalized Service: Face-to-face policy reviews and customized advice for Gladstone drivers. (Read More: American Family Auto Insurance Review)
- Community Expertise: Agents with in-depth knowledge of Gladstone’s specific insurance needs.
Cons
- Higher Rates: $148 monthly for full coverage is among Gladstone’s highest.
- Limited Online Policy Management: Less robust digital tools for Gladstone customers.
#9 – Nationwide: Best for Deductible Rewards
Pros
- Vanishing Deductible: Explore our Nationwide auto insurance review, which offers up to $500 deductible reduction for safe Gladstone drivers.
- SmartRide Discount: Gladstone members can get a usage-based program offering up to 40% off for safe driving.
- Accident Forgiveness: Optional feature preventing rate increases after first Gladstone at-fault accident.
Cons
- Few Local Agents: Smaller network of in-person representatives in Gladstone.
- Above-Average Minimum Rates: $75 monthly for minimum coverage is higher than some competitors in Gladstone.
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#10 – The Hartford: Best for Senior Benefits
Pros
- AARP Member Benefits: Exclusive discounts and perks for Gladstone’s senior drivers.
- RecoverCare Coverage: Gladstone policyholders have unique post-accident assistance for daily tasks. Learn more about this coverage in our The Hartford auto insurance review.
- Lifetime Renewability: Guaranteed policy renewal for Gladstone’s AARP members.
Cons
- Age Restrictions: Policies primarily designed for Gladstone drivers over 50.
- Limited Appeal for Younger Drivers: Fewer benefits for non-senior Gladstone residents.
Comparing Costs for Basic and Full Protection
This article will allow you to uncover the optimal solutions for what you need and what you can afford in having auto insurance in Gladstone, Oregon.
Finding your way through the auto insurance scene in Gladstone, Oregon isn’t as hard as it seems.Michelle Robbins Licensed Insurance Agent
To find the best auto insurance in Gladstone, it’s crucial to compare rates. Here’s how top providers stack up for basic and comprehensive coverage:
Gladstone, Oregon Auto Insurance Monthly Rates by Provider & Coverage Level
Insurance Company Minimum Coverage Full Coverage
$85 $160
$78 $150
$72 $140
$68 $130
$88 $170
$90 $165
$82 $158
$80 $155
$75 $145
$70 $135
In Gladstone, USAA and Geico consistently offer competitive rates. However, the best insurance for you depends on your unique circumstances, so make sure you know how to compare auto insurance quotes.
Gladstone’s Insurance Market
In Gladstone, the rates for auto insurance are shaped by the local accidents and claims. Here are the numbers that define the city’s insurance landscape.
Gladstone, Oregon Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Average Claim Size | $3,500 |
| Percentage of Uninsured Drivers | 12% |
| Total Accidents Per Year | 600+ |
| Total Claims Per Year | 500+ |
| Traffic Density | Low |
| Vehicle Theft Rate | 1.9 per 1,000 vehicles |
| Weather-Related Incidents | 15% of accidents |
With over 600 annual accidents but a low uninsured driver rate, Gladstone presents a balanced risk profile. The city’s low vehicle theft rate is particularly beneficial for residents seeking the best comprehensive auto insurance rates.
To grasp how Gladstone’s insurance market functions is to know what to expect. Here is a brief look at the local insurance landscape.
Gladstone, Oregon Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Customer Satisfaction | A | High satisfaction, especially for claim handling |
| Claims Process | A | Quick and efficient claims process |
| Coverage Options | A- | Diverse coverage options, including eco-friendly discounts |
| Affordability | B+ | Moderate premiums, competitive in suburban areas |
Gladstone’s auto insurance market excels in customer satisfaction and efficient claims handling. These factors contribute to making Gladstone a favorable place for drivers seeking quality coverage.
Gladstone, Oregon Auto Insurance Factors
In Gladstone, finding the right auto insurance isn’t just about the car. Your age and gender matter; it’s one of the factors affect auto insurance premiums:
Gladstone, Oregon Full Coverage Auto Insurance Monthly Rates by Age, & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| $855 | $947 | $287 | $285 | $279 | $257 | $256 | $258 |
| $605 | $954 | $242 | $253 | $242 | $242 | $216 | $216 |
| $935 | $965 | $237 | $241 | $212 | $209 | $186 | $199 |
| $575 | $519 | $233 | $197 | $219 | $212 | $208 | $213 |
| $835 | $902 | $242 | $243 | $254 | $267 | $220 | $246 |
| $468 | $582 | $237 | $248 | $203 | $201 | $181 | $189 |
| $757 | $833 | $206 | $194 | $173 | $156 | $151 | $155 |
| $574 | $722 | $200 | $228 | $176 | $176 | $162 | $162 |
 | $525 | $647 | $187 | $190 | $179 | $181 | $163 | $170 |
| $486 | $520 | $201 | $208 | $156 | $151 | $155 | $149 |
Young drivers in Gladstone face higher rates, particularly 17-year-old males. However, as drivers age, rates typically decrease and gender differences become less pronounced.
How Driving Records Influence Auto Insurance Rates in Gladstone
Your driving history shapes the way you can get good auto insurance rates in Gladstone. Here’s how various records influence the costs.
Gladstone, Oregon Full Coverage Auto Insurance Monthly Rates by Driving Record & Provider
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $343 | $421 | $467 | $482 |
| $259 | $332 | $392 | $502 |
| $336 | $398 | $434 | $424 |
| $194 | $266 | $313 | $415 |
| $355 | $395 | $398 | $456 |
| $244 | $277 | $262 | $371 |
| $247 | $294 | $453 | $318 |
| $265 | $293 | $349 | $293 |
| $226 | $276 | $290 | $328 |
| $183 | $214 | $257 | $359 |
Maintaining a clean driving record in Gladstone can lead to substantial savings. DUIs usually result in the most significant rate increases, while accidents and tickets also impact premiums.
Best Gladstone, Oregon Auto Insurance Challenges
When looking for the best auto insurance in Gladstone, Oregon, some drivers run into a few bumps in the road that can affect their rates and coverage.
Two big things that can make it tougher to find affordable insurance are DUI convictions and low credit scores. Let’s take a closer look at how these issues impact insurance rates in Gladstone.
Gladstone, Oregon DUI Full Coverage Auto Insurance Rates
| Insurance Company | Monthly Rates |
|---|---|
| $482 |
| $502 |
| $424 |
| $415 |
| $456 |
| $371 |
| $318 |
| $293 |
| $328 |
| $359 |
As evident from the data, a DUI significantly increases insurance premiums across all providers in Gladstone. However, some companies like State Farm and Progressive offer more competitive rates for drivers in this situation. Here’s how different credit ratings influence monthly premiums:
Gladstone, Oregon Full Coverage Auto Insurance Monthly Rates by Credit Score
| Insurance Company | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
| $326 | $396 | $563 |
| $294 | $348 | $471 |
| $359 | $378 | $457 |
| $236 | $297 | $358 |
| $268 | $348 | $588 |
| $240 | $277 | $349 |
| $298 | $319 | $368 |
| $213 | $267 | $419 |
| $217 | $275 | $348 |
| $169 | $212 | $379 |
Despite these obstacles, Gladstone residents with DUIs or poor credit can still find decent insurance coverage. As well as looking at discounts from top providers, see table below:
Auto Insurance Discounts From the Top Providers in Gladstone, Oregon
| Insurance Company | Available Discounts |
|---|---|
| Early Signing, Safe Driving Club, EZ Pay Plan, Deductible Rewards, TeenSMART, Resident Student, New Homeowner |
| Teen Safe Driver Program, Generational, Pay-As-You-Go, Loyalty Rewards, Away at School, Low Mileage, Auto Safety Equipment |
| Affinity Group, Pay in Full, Signal Program, Business/Professional Group, Distant Student, Senior Driver Safety, Paperless Billing |
| Military, Good Student, Emergency Deployment, Five-Year Accident-Free, Daytime Running Lights, Membership, Federal Employee |
| RightTrack Usage-Based, New Parent, Teacher Discount, Preferred Payment, Newly Married, Empty Nester, Alternative Energy Vehicle |
| SmartMiles (Pay-per-Mile), Vanishing Deductible, Long-Term Policyholder, Affinity Member, Plenti Loyalty Program, Easy Pay Sign-Up |
| Snapshot, Continuous Coverage, Multi-car, Teen Driver, Automatic Payment, Homeowner, Paperless Discount |
| Drive Safe & Save, Good Neighbor Relief, Multi-line, Vehicle Safety, Defensive Driving, Steer Clear for Young Drivers |
| AARP Member Benefits, Vehicle Recovery Device, Mature Driver Course, One Deductible Advantage, Retiree Credit, Disappearing Deductible, Paid-in-Full Savings |
| Family Legacy, Low Annual Mileage, Storage Discount, Membership Loyalty, Vehicle Garaging, Deployment Discount, Bundling |
The key is to shop around, compare quotes from multiple providers, seek discounts and take steps to improve your driving record and credit score over time. (Read More: Why You Should Take a Defensive Driving Class)
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Coverage You Need in Gladstone, Oregon
If you’re in Gladstone, Oregon, you need to have at least the minimum auto insurance required by the state to cover yourself in case of an accident. Check out what you need for auto insurance in Gladstone.
- Bodily Injury Liability Coverage : $25,000 per person and $50,000 per accident.
- Property Damage Liability Coverage: $20,000 minimum
You can find affordable auto insurance no matter what your driving record looks like by entering your ZIP code below in our free quote comparison tool.
Frequently Asked Questions
What type of auto insurance is required in Oregon?
For the best Gladstone, Oregon auto insurance, you’ll need to meet the state’s minimum requirements: $25,000 per person and $50,000 per accident for bodily injury liability, and $20,000 for property damage liability.
How much do most pay for car insurance?
In Gladstone, Oregon, most drivers pay between $70 and $90 per month for minimum coverage. For the best full coverage auto insurance in Gladstone, expect to pay between $130 and $170 monthly.
Read More: What does proper auto insurance cover?
Why are cars cheaper in Oregon?
While this doesn’t directly affect the best Gladstone, Oregon auto insurance rates, cars can be cheaper in Oregon due to lower sales tax. This can indirectly lead to slightly lower insurance premiums for some vehicles.
Explore your auto insurance options by entering your ZIP code into our free comparison tool below today.
What type of car insurance is cheapest?
The cheapest option for Gladstone, Oregon auto insurance is typically minimum liability coverage. However, the best insurance balances affordability with adequate protection.
Who is most expensive car insurance?
In Gladstone, Oregon, The Hartford and Liberty Mutual often have higher rates. However, they might offer the best auto insurance for some drivers due to their coverage options and discounts.
Read More: Does the price of a car affect auto insurance rates?
Why is Oregon car registration so expensive?
Oregon’s registration fees support road maintenance and other services. While not directly related to finding the best Gladstone auto insurance, high registration fees can impact overall vehicle ownership costs.
Is there a benefit to buying a car in Oregon?
Oregon’s lack of sales tax can make car buying more affordable. This doesn’t directly affect insurance, but lower car costs can help offset the expense of getting the best auto insurance in Gladstone, Oregon. (Learn More: Can I claim auto insurance on my tax return?)
Do I need insurance to register a car in Oregon?
Yes, you need insurance to register a car in Oregon. The best Gladstone, Oregon auto insurance policy will meet or exceed state minimum requirements for registration.
How much does it cost to insure a car in Oregon?
In Gladstone, Oregon, the best auto insurance rates for minimum coverage average around $70-$90 monthly, while full coverage averages $130-$170 monthly. Your individual rate may vary based on factors like driving history and credit score.
What happens if you don’t have car insurance in Oregon?
Driving without insurance in Gladstone, Oregon can result in fines, license suspension, and higher future insurance rates. It’s always best to maintain at least the minimum required auto insurance in Gladstone.
Uncover affordable auto insurance rates from the top providers by entering your ZIP code below.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.