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Like most states, drivers in Bend, Oregon, must meet the minimum auto insurance requirements to drive legally. The average cost of auto insurance in Bend is $509 per year for minimum coverage and $1,231 per year for full coverage. Your rate may differ, as the cost is based on personal characteristics such as age, driving profile and claims history.

Bend drivers looking for the best cheap car insurance companies may feel overwhelmed by so many options available. Bankrate analyzed and compared dozens of carriers to help Bend drivers narrow down options that might give them the cheapest rates on the coverage they need in central Oregon’s largest city.

Best Cheap Car Insurance Companies in Bend

According to research by Bankrate, the best cheap car insurance companies in Bend are State Farm, Mutual of Enumclaw, and USAA. We used several variables to determine the Oregon’s cheapest car insuranceincluding third party ratings of the 2022 JD Power Auto Insurance Study in the North West region and 2022 premium data analyzed by Quadrant Information Services. You may find it useful to use the Bankrate Score to help you choose a carrier that meets your needs. This score on a five-point scale is based on financial strength, coverage options, discounts, average annual premiums, third-party customer satisfaction, and mobile and online accessibility.

USAA* 5.0 883/1000 $964 $402
state farm 4.7 839/1000 $828 $349
Geico 4.7 832/1000 $1,104 $397
progressive 4.4 819/1000 $1,272 $545
Enumclaw Mutual N / A N / A $938 $418

*Not officially rated by JD Power due to eligibility restrictions


A cheap option Bend, Oregon drivers can consider is USAA. Although this carrier scored the most points in the North West region, it does not qualify for the rankings as it limits its eligibility. Only current and past service members and their immediate families are eligible for USAA. If you’re eligible, the USAA offers coverage for custom vehicles, which can repair or replace up to $5,000 in custom equipment. You can also save up to 30% thanks to its SafePilot telematics program.

Learn more: USAA Insurance Review

state farm

Bend drivers can find the cheapest auto insurance rates from State Farm. Drivers who adopt safe driving habits may be able to save even more with up to 30% with State Farm. Drive safely and save telematics program. State Farm earned the second highest score in the JD Power rankings for customer satisfaction in the Northwest region. This carrier offers local agents who understand the needs of drivers in Bend and other areas of Oregon. However, there are only a few optional coverage choices, which may not provide the tailored coverage that some Bend riders might need.

Learn more: State Farm Insurance Review


While Geico isn’t the cheapest option in Bend, its average annual rates are lower than the city average. It has an above average customer satisfaction rating from JD Power for the Northwest region and has a long list of car insurance discount available to help keep rates low. Geico only has a few optional coverage types, but you may find them useful. They include emergency roadside service, rental car reimbursement and mechanical breakdown insurance.

Learn more: Geico Insurance Review


With slightly above average rates compared to Bend’s average, Progressive is the most expensive option on the list. However, it offers optional coverage options for customers to customize their policies to suit their needs. You may want insurance gaprental car reimbursement, custom parts or carpool coverage. Progressive also has a deductible savings bank feature, which can reduce your overall and collision deductibles by $50 for each policy period you remain claim-free.

Learn more: Progressive Insurance Review

Enumclaw Mutual

Offering coverage in seven states, Mutual of Enumclaw may be another inexpensive choice for Bend drivers. To get Mutual of Enumclaw coverage, you will need to work with a independent agent contracted with the carrier. The company offers unique coverage options, such as wildfire protection and monitoring, key and locks coverage, child safety seat replacement, and pet injury coverage. But you can only get one home and auto package policy through Mutual of Enumclaw, which may not be an option for those who are not owners.

How to Get and Keep the Cheapest Car Insurance in Bend

Knowing how to get and keep the cheapest car insurance in Bend can help you when shopping for car insurance. In addition to comparing auto insurance quotehere are some other tips to help you get and keep cheap car insurance:

  • Know what coverage you need before you shop. Not everyone has the same coverage needs, so knowing what coverage you need can help you find the best and cheapest carrier. For example, if you have a newer car or finance your vehicle, you’ll probably need full coverage. But if you have an older car that’s paid off and you can afford to replace it out of pocket, you could save with liability-only coverage.
  • Take advantage of discounts. To keep car insurance cheap, be sure to take advantage of discounts. Several can be combined to get the most out of your savings. Since each carrier has its own list of discounts and eligibility criteria, you can contact the company to find out what discounts they offer to get the cheapest fare.

Frequently Asked Questions

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