Car Insurance in Bend, Oregon
Estimated full coverage in Bend runs about $1,470 a year ($123/month) — ▲ +3% versus the Oregon average, ranking 7th most expensive of the 8 Oregon cities we cover.
Why car insurance in Bend costs more than the Oregon average
Insurers price by territory, and Bend's numbers explain most of the gap. With 106,926 residents on 35.2 square miles, the city's density (3,041 people per square mile) is 5.4 times the density where the typical Oregon resident lives (563). The average commute is 16.3 minutes (Oregon: 23.0), and 64% of workers drive alone. Together these put our location factor at 1.03× the state baseline for liability and collision, and 1.04× for comprehensive once FEMA weather risk for Deschutes County is included.
| Factor | Bend | Oregon ref. | Why it matters |
|---|---|---|---|
| Population density | 3,041 / sq mi | 563 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 16.3 min | 23.0 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 1.9% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 63.5% | — | Share of workers commuting by car. |
| Public transit to work | 0.2% | — | Transit use lowers how much residents drive. |
| Work from home | 24.8% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 4.8% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 55.2 | 52.1 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Bend
Rates can change from one ZIP code to the next. Across 3 Bend ZIP codes, our full-coverage estimate ranges from $1,260 in 97701 to $1,365 in 97702. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 97702 | 54,657 | 528 | 18.0 min | 3.7% | $1,365 | −7% |
| 97701 | 43,293 | 139 | 16.1 min | 6.5% | $1,260 | −14% |
| 97703 | 34,108 | 126 | 18.3 min | 1.6% | $1,275 | −13% |
Minimum car insurance in Bend
Bend drivers follow Oregon's rules: at least 25/50/20 liability coverage, personal injury protection, and uninsured motorist coverage. Oregon is at-fault (tort). We estimate state-minimum coverage in Bend at $645 a year, and $935 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $20,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | Yes | $15,000 Personal injury protection of at least $15,000 per person is required for accident-related medical costs, lost wages and other expenses. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | Yes | 25/50 Uninsured motorist bodily injury coverage of at least 25/50 is required; it equals liability limits unless lower limits are chosen. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | Yes | 25/50 Oregon's required uninsured motorist coverage includes underinsurance coverage. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical expenses are covered through required PIP. | Medical bills for you and your passengers |
Your insurance policy number must be provided when registering a vehicle.
Risk factors that shape Bend premiums
Accidents
Oregon recorded 538 traffic deaths, or 1.44 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Oregon's vehicle theft rate is 215 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Ford Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Deschutes County as relatively moderate for hail, relatively moderate for inland flooding and relatively low for strong wind.
Traffic & commuting
1.9% of Bend commuters spend an hour or more getting to work, and there are 1.89 vehicles per household. 24.8% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 79.8 | Comprehensive (car); roof claims (home) | |
| Tornado | 8.8 | Comprehensive; dwelling | |
| Hurricane | — | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 88.9 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 43.2 | Comprehensive; dwelling | |
| Winter weather | 86.6 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Bend by driver profile
A clean-record driver in their 50s pays the least in our Bend model (about $1,355 for full coverage); an 18-year-old on their own policy pays about $4,045, and a DUI pushes a 30-something to $2,720.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,775 | $2,575 | $4,045 | $337 |
| Young adult (22) | $1,035 | $1,495 | $2,355 | $196 |
| Adult in their 30s | $645 | $935 | $1,470 | $123 |
| Adult in their 50s | $595 | $860 | $1,355 | $113 |
| Senior (72) | $725 | $1,050 | $1,645 | $137 |
| 30s, one at-fault accident | $935 | $1,355 | $2,130 | $178 |
| 30s, DUI on record | $1,195 | $1,730 | $2,720 | $227 |
Minimum vs. standard vs. full coverage in Bend
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $645 | $54 | $530–$760 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $935 | $78 | $765–$1,105 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,470 | $123 | $1,205–$1,735 |
Estimate your premium in Bend
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Cheap car insurance in Bend: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Bend's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $75 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $100 | You're among the 24.8% of Bend workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $295 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $535 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $325 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Bend
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 27 offices listed below.
- Check complaint records with the Oregon Division of Financial Regulation (complaint information) before you buy.
- Mention your ZIP code accurately — within Bend, our estimates differ by up to $105 a year between neighborhoods.
Car insurance agents near Bend, OR
We found 27 insurance offices within about 5 miles of central Bend, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Dan Peterson - Allstate
174 Northeast Franklin Avenue, Bend, OR 97701 -
Atanacio Rico & Associates, INC.
550 NW Franklin Ave, Ste 208, Bend, OR 97703 -
April L McCarthy - Farmers Insurance
1208 NE 4th St, Bend, OR 97701 -
Perry J Rhodes - Farmers Insurance
1470 NE 1st St, Bend, OR 97701 -
Ryan Adkisson - Allstate
560 NE Greenwood Ave, Ste A, Bend, OR 97701 -
State Farm
OR -
Jerry A Burger - Farmers Insurance
163 SE 3rd St, Bend, OR 97702 -
Farmers Insurance
OR -
State Farm: Blake Ettestad
OR -
Howard Steele - Allstate
1900 NE Division St, Bend, OR 97701 -
Stephen Carroll - Allstate
144 SW Crowell Way, Bend, OR 97702 -
State Farm - Ryan Walker
OR -
Paul Finch - State Farm
OR -
Todd Horat - American Family Insurance
2445 NE Division St, Ste 202, Bend, OR 97703 -
Ryan Walker - State Farm
1288 Southwest Simpson Avenue, #B1, Bend, OR 97702 -
Clint R Bawcom - Farmers Insurance
516 SW 13th St, Bend, OR 97702 -
Scott E Robson - Farmers Insurance
1375 SE Wilson Ave, Bend, OR 97702 -
Athen Shaw Allinger - Farmers Insurance
547 SW 13th St, Bend, OR 97702 -
Greg Elder - State Farm
2115 Northeast Highway 20, #106, Bend, OR 97701 -
Connie C Burns Agency Inc
61396 S Highway 97, Ste 202, Bend, OR 97702 -
Austen Law - Farmers Insurance
61396 S Hwy 97, Bend, OR 97702 -
Insurance Fits Agency Inc.
OR -
Welker Building Insurance Center
OR -
Curtis Phelps - American Family Insurance
547 Northeast Bellevue Drive, #106, Bend, OR 97701 -
Brock Olson - Farmers Insurance
20360 Empire Ave, Bend, OR 97703 -
Chabad of Central Oregon
OR -
Jessica Anderson - State Farm
63830 Clausen Rd, Ste 100B, Bend, OR 97701
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Bend
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,125 | −23% |
| Subaru Outback | Wagon | $1,100 | −25% |
| Tesla Model 3 | Midsize car | $1,525 | +4% |
| Subaru Forester | Small SUV | $1,070 | −27% |
| Honda Civic | Compact car | $1,700 | +16% |
| Toyota Corolla | Compact car | $1,600 | +9% |
| Jeep Wrangler | Midsize SUV | $1,315 | −11% |
| Mazda CX-5 | Small SUV | $1,260 | −14% |
| MINI Cooper | Subcompact car | $1,125 | −23% |
| Tesla Model Y | Midsize SUV | $1,370 | −7% |
Car insurance in nearby Oregon cities
- Eugene $1,520/yr · 90 mi
- Salem $1,570/yr · 104 mi
- Gresham $1,645/yr · 114 mi
- Portland $1,620/yr · 122 mi
- Beaverton $1,620/yr · 123 mi
- Hillsboro $1,590/yr · 129 mi
- Medford $1,470/yr · 142 mi
All Oregon cities and state rules · Homeowners insurance in Bend
Frequently asked questions
How much is car insurance in Bend, OR?
We estimate full coverage in Bend at about $1,470 a year ($123 a month) for a driver in their 30s with a clean record, and about $645 for Oregon's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Bend more expensive than the Oregon average?
Our Bend estimate is 3% higher than the statewide figure. The model reflects a population density of 3,041 people per square mile (the typical Oregon resident lives at about 563) and an average commute of 16.3 minutes versus 23.0 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Bend?
Drivers in Bend follow Oregon law: at least 25/50/20 liability coverage plus PIP and uninsured motorist coverage.
Which ZIP code in Bend has the cheapest car insurance?
Among Bend's 3 ZIP codes, 97701 has the lowest estimate (about $1,260 a year for full coverage) and 97702 the highest (about $1,365), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Bend?
An 18-year-old with their own full-coverage policy would pay around $4,045 a year in Bend by our estimate ($1,775 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Bend?
FEMA's National Risk Index does not rate Deschutes County as high risk for hail, hurricanes, flooding or tornadoes, so weather has a smaller effect on the comprehensive part of local premiums.
Are there car insurance agents near me in Bend?
We list 27 insurance offices in and around Bend, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Oregon DMV: Insurance Requirements
- Oregon DMV: SR-22 Information
- ORS chapter 742 (742.502 uninsured/underinsured motorist coverage)
- Oregon DFR: DMV Notice - SB 840 insurance provisions
- Oregon DFR: File a complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Bend and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places