Find Car Insurance in Bend, Oregon

What You Should Know About Car Insurance in Bend, OR

Tucked into Oregon’s sunny high desert at the base of the Cascades, Bend blends small-city charm with big outdoor energy. The Deschutes River runs through town, festivals pop up around Drake Park and the Old Mill District, and weekends often mean skiing at Mt. Bachelor, riding Phil’s Trail, or paddling alpine lakes on the Cascade Lakes Scenic Byway.

Getting around is its own Bend experience: lots of roundabouts, bike-friendly streets, and steady traffic along US-97 and US-20. Winter can bring quick bursts of snow and black ice at dawn; in summer, wildfire smoke may reduce visibility and tourist traffic picks up near downtown, Northwest Crossing, and Century Drive. Expect occasional windshield chips from winter sanding and keep an eye out for deer on the west side.

Construction tied to rapid growth, event weekends, and recreation surges can all slow things down—but they’re part of what keeps Bend lively and outdoorsy year-round. If you’re shopping for car insurance in Oregon and want coverage that matches how (and where) you drive here, InsureOne can compare options and tailor a policy to your needs.

How Much Does Car Insurance Cost in Bend, Oregon?

Bend drivers shopping for car insurance can expect statewide averages of $616 per year (about $51/month) for minimum liability—just under the U.S. average of $622/year—and $1,415 per year (about $118/month) for full coverage, well below the national average of $2,014/year. Your actual price in Bend will vary based on factors like driving record, vehicle, miles driven, coverage limits/deductibles, and local claim trends.

What Does It Mean If Oregon Is an At-Fault State?

Bend follows Oregon’s at-fault system, meaning the driver primarily responsible for a crash is liable for the other party’s injuries and property damage. After a collision, you can file a third-party claim against the at-fault driver’s liability coverage, and you can also use your own coverages for faster help—Oregon policies include Personal Injury Protection (PIP) that pays certain medical and income-loss benefits regardless of fault.

Oregon uses modified comparative negligence, so any payout is reduced by your share of blame, and you cannot recover if you’re more than 50% at fault. By contrast, in no-fault states each driver’s PIP handles their own medical costs after a crash and lawsuits for pain and suffering are limited unless injuries meet a statutory “serious injury” threshold.

Affordable Car Insurance Rates Comparison by Cities in Bend

Where you live—even down to the neighborhood—can influence your premium, but most drivers in Oregon can still find competitive pricing. Use the table below to see how monthly average rates in Bend stack up against those in surrounding communities.

City	Full Coverage Insurance	Liability Insurance Coverage
Bend	$95	$40
Portland	$130	$61
Salem	$119	$57
Monmouth	$104	$47
Silverton	$110	$50

How Bundling Your Car and Homeowners Insurance Can Save You Money in Bend

“Bundling” means placing your auto and homeowners policies with the same carrier. Most insurers reward this with a multi-policy discount—often lowering what you pay for both policies. You’ll also simplify life with one company, one bill, one renewal date, and a single point of contact for questions or claims.

InsureOne makes bundling your home and auto insurance straightforward and tailored. Our agents compare multiple carriers to find the best fit for your budget and coverage needs, then customize the package—aligning deductibles, syncing renewal dates, and adding the options you want (e.g., roadside assistance, full glass, or umbrella liability). We handle the comparison shopping and discount hunting, so you save time and money while keeping your home and car protected.

Prefer a guided walkthrough? InsureOne’s experts can price out bundled and stand-alone options side-by-side and recommend the smartest choice for you in Bend.

What Types of Car Insurance Discounts Are Available in Bend?

Living in Bend means a mix of roundabouts, bike lanes, US-97/US-20 traffic, winter freeze-thaw, and busy recreation weekends—so it pays to grab every discount you can. Carriers in Oregon offer a range of savings for safe habits, smart policy choices, and even the tech in your vehicle. Stack a few together and you can noticeably lower your premium without cutting key coverage.

InsureOne can review your current policy, confirm what you’re eligible for, and comparison-shop multiple insurers to make sure those savings show up in your rate.

Popular discounts Bend drivers may qualify for:

• Multi-policy (bundle home & auto)
• Safe driver / accident-free record
• Defensive or mature driver course (state-approved)
• Vehicle safety & anti-theft features (airbags, ABS, immobilizer, tracking)
• ADAS / new car (lane-assist, AEB, etc.)
• Pay-in-full / autopay / paperless
• Early quote / switcher (quoting before renewal)
• Affinity or occupation (e.g., military, first responders, certain professions)
• Loyalty & continuous insurance (no coverage gaps)

Not sure which ones apply? Our local-savvy agents will verify your discounts and tailor coverage for how (and where) you drive in Bend.

Notable Car Insurance Laws in Bend

Oregon uses an at-fault system with some no-fault features (like PIP). Here are other state rules that can impact your coverage as a Bend driver:

What Are the Mandatory Car Insurance Requirements in Bend?

In Bend (and statewide in Oregon), every auto policy must include at least $25,000/$50,000 in bodily-injury liability (up to $25k per injured person and $50k per accident), $20,000 in property-damage liability, $25,000/$50,000 in uninsured-motorist bodily injury, and $15,000 in Personal Injury Protection (PIP).

Bodily-injury liability pays for injuries you cause to others, property-damage liability pays for damage you cause to another person’s car or property, uninsured-motorist coverage protects you and your passengers if the at-fault driver has no insurance or too little, and PIP helps cover your medical bills (and certain related expenses) regardless of fault so care isn’t delayed while liability is sorted out.

Because medical and repair costs can exceed the minimums quickly, many Bend drivers choose higher limits—think 100/300/50 or more—and add comprehensive and collision for their own vehicle. Given local conditions (winter sanding and mountain travel), some also opt for full-glass and roadside assistance.

You must keep proof of insurance; lapses can lead to fines and registration issues. If your vehicle is leased or financed, your lender will almost certainly require comprehensive and collision on top of Oregon’s minimums.

What Is the Penalty for Driving Without Insurance in Bend?

Driving uninsured in Oregon is illegal and treated as a Class B traffic violation, with fines that can reach into the hundreds of dollars (often up to about $1,000), and a lapse in coverage can lead to license or registration suspension. To reinstate, you may be required to file an SR-22 (proof of financial responsibility) for three years and pay reinstatement fees—and if the SR-22 lapses, another suspension can follow. If you were insured but couldn’t show proof at the stop, you can still be cited; however, many courts will dismiss that citation if you promptly provide documentation showing you had active coverage on the date in question.

What Factors Go into My Car Insurance Cost in Bend?

Rates in Bend reflect your personal risk and local driving conditions—think US-97/US-20 traffic, winter freeze–thaw (and windshield chips), and busy recreation seasons. Insurers blend these with your profile to price your policy.

Key factors that affect your premium:

• Driving record and claims history
• Age and years licensed
• Vehicle make/model and repair costs
• Annual mileage and commute vs. pleasure use
• Coverage limits, deductibles, and add-ons (comp/collision, UM/UIM)
• Where you garage the car (ZIP-code claim/theft trends)
• Credit-based insurance score (permitted in Oregon)
• Continuous insurance vs. lapses (and any SR-22 requirement)

Typical Driving Conditions in Bend

Sunny high-desert days are common, but conditions swing fast: winter can drop quick squalls and dawn black ice, and road sand often leads to windshield chips. Late summer sometimes brings wildfire smoke that cuts visibility. Mountain drives—US-20 over the passes and Century Drive to Mt. Bachelor—can turn slick or slow after storms.

Around town, expect lots of roundabouts, bike-forward streets, and shared paths. Traffic bunches on US-97, US-20, Greenwood/Franklin, and Century Drive, especially on ski weekends and during festivals. Ongoing growth means construction zones and lane shifts; watch for deer on the west side and give extra space to cyclists on popular corridors.

How Many Car Accidents Happen in Bend Per Year?

The following 2023 crash statistics for Bend and a few nearby cities are reported by Oregon’s Department of Transportation:

City	Total Crashes
Bend	980
Eugene	1,476
Lincoln City	132
Portland	7,034
Silverton	49

How Many Uninsured/Underinsured Motorists Are in Bend?

According to the Insurance Information Institute, 14.7% of Oregon drivers are uninsured—nearly one in seven. To protect yourself if an uninsured driver causes a crash, Oregon policies include Uninsured Motorist bodily injury coverage by default, which helps pay medical costs for you and your passengers. For damage to your vehicle, you can add affordable options—such as collision coverage or uninsured motorist property damage—to help cover repairs in a state with a relatively high share of uninsured motorists.