- The Chevrolet Trailblazer, Toyota Corolla Cross, Kia Soul, and Subaru Crosstrek are some of the vehicles with the cheapest car insurance in Bend.
- Bend car insurance cost averages $2,192 per year for full coverage, or around $183 on a monthly basis.
- Car insurance quotes in Bend can range significantly from as low as $26 per month for liability-only insurance to well over $688 per month for high-risk drivers.
Which vehicles are cheapest to insure in Bend, OR?
When comparing models from every automotive segment, the vehicles with the cheapest average car insurance in Bend tend to be crossovers and compact SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, and Toyota Corolla Cross.
Average car insurance rates for vehicles in the top ten cost $1,794 or less per year, or $150 per month, for a policy with full coverage.
Some other models that are ranked high in the comparison table below are the Volkswagen Tiguan, Acura RDX, Subaru Outback, and Ford Bronco Sport. Average insurance cost is marginally higher for those models than the compact SUVs and crossovers at the top of the list, but they still have an average cost of $1,908 or less per year ($159 per month).
The following table ranks the 50 cars, pickups, and SUVs with the cheapest car insurance in Bend, Oregon.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,620 | $135 |
| 2 | Chevrolet Trailblazer | $1,646 | $137 |
| 3 | Kia Soul | $1,710 | $143 |
| 4 | Nissan Kicks | $1,724 | $144 |
| 5 | Honda Passport | $1,748 | $146 |
| 6 | Buick Envision | $1,758 | $147 |
| 7 | Toyota Corolla Cross | $1,766 | $147 |
| 8 | Hyundai Venue | $1,780 | $148 |
| 9 | Mazda CX-5 | $1,788 | $149 |
| 10 | Ford Bronco Sport | $1,794 | $150 |
| 11 | Volkswagen Tiguan | $1,814 | $151 |
| 12 | Acura RDX | $1,834 | $153 |
| 13 | Nissan Murano | $1,842 | $154 |
| 14 | Buick Encore | $1,860 | $155 |
| 15 | Honda CR-V | $1,868 | $156 |
| 16 | Subaru Outback | $1,868 | $156 |
| 17 | Buick Envista | $1,874 | $156 |
| 18 | Volkswagen Taos | $1,878 | $157 |
| 19 | Kia Niro | $1,886 | $157 |
| 20 | Toyota GR Corolla | $1,906 | $159 |
| 21 | Honda HR-V | $1,908 | $159 |
| 22 | Subaru Ascent | $1,908 | $159 |
| 23 | Nissan Leaf | $1,920 | $160 |
| 24 | Chevrolet Colorado | $1,930 | $161 |
| 25 | Honda Civic | $1,940 | $162 |
| 26 | Lexus NX 250 | $1,940 | $162 |
| 27 | Volkswagen Atlas | $1,946 | $162 |
| 28 | Acura Integra | $1,948 | $162 |
| 29 | Subaru Forester | $1,950 | $163 |
| 30 | Volkswagen Atlas Cross Sport | $1,954 | $163 |
| 31 | Kia Seltos | $1,958 | $163 |
| 32 | GMC Terrain | $1,962 | $164 |
| 33 | Nissan Rogue | $1,970 | $164 |
| 34 | Hyundai Kona | $1,972 | $164 |
| 35 | Cadillac XT4 | $1,978 | $165 |
| 36 | Mazda CX-30 | $1,978 | $165 |
| 37 | Volkswagen ID4 | $1,986 | $166 |
| 38 | Ford Explorer | $1,988 | $166 |
| 39 | Toyota Highlander | $1,996 | $166 |
| 40 | Ford Escape | $2,000 | $167 |
| 41 | Toyota Venza | $2,000 | $167 |
| 42 | Honda Odyssey | $2,002 | $167 |
| 43 | Nissan Sentra | $2,008 | $167 |
| 44 | Subaru Impreza | $2,014 | $168 |
| 45 | Chevrolet Equinox | $2,018 | $168 |
| 46 | Toyota RAV4 | $2,022 | $169 |
| 47 | Mazda MX-5 Miata | $2,028 | $169 |
| 48 | Mazda MX-30 | $2,034 | $170 |
| 49 | Hyundai Tucson | $2,036 | $170 |
| 50 | Chevrolet Traverse | $2,044 | $170 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Bend, OR Zip Codes. Updated June 26, 2025
Additional models ranking in the top 50 above include the Nissan Leaf, Lexus NX 250, Toyota Venza, and Acura Integra. Insurance rates for those models cost between $1,908 and $2,050 per year.
To put the rates of the cheapest vehicles in perspective, a few examples of much higher insurance rates include the Tesla Model 3 which averages $2,574 per year, the Toyota Tundra which costs $2,610, and the Infiniti Q50 which averages $2,482.
For really high-priced insurance, models like the Aston Martin DBX and BMW Alpina B8 have rates that can be double or even triple those of the cheapest cars to insure.
How much is car insurance in Bend, Oregon?
In Bend, the average cost of car insurance is $2,192 per year, which is 1.3% less than the U.S. average rate of $2,221. Per month, Bend car insurance costs about $183 per month for a full-coverage car insurance policy.
The average car insurance cost in Oregon is $2,360 per year, so Bend drivers pay an average of $168 less per year than the Oregon state-wide average rate. When compared to other cities in Oregon, the average cost of car insurance in Bend is approximately $294 per year cheaper than in Beaverton, $428 per year cheaper than in Portland, and $586 per year less than in Gresham.
The age of the driver is probably the number one factor that determines the cost of car insurance. The list below illustrates this by breaking down average car insurance rates in Bend for driver ages 16 through 60.
Car insurance cost in Bend, Oregon, for drivers age 16 to 60
- 16 year old – $7,804 per year or $650 per month
- 17 year old – $7,561 per year or $630 per month
- 18 year old – $6,777 per year or $565 per month
- 19 year old – $6,170 per year or $514 per month
- 20 year old – $4,410 per year or $368 per month
- 30 year old – $2,340 per year or $195 per month
- 40 year old – $2,192 per year or $183 per month
- 50 year old – $1,944 per year or $162 per month
- 60 year old – $1,818 per year or $152 per month
The chart below takes all 2024 models and averages the cost to insure them. That rate is shown as the Safe Driver Age 40 rate in the chart. Then we segment out different risks like high-risk drivers, younger drivers, and even show how different deductibles affect the cost of car insurance in Bend.
Average car insurance rates in the chart above range from $1,822 per year for a 40-year-old driver that qualifies for many policy discounts to $5,040 per year for a 30-year-old driver who is required to buy high risk car insurance.
When the rates shown in the chart are converted to monthly figures, the average cost of car insurance per month in Bend ranges from $152 to $420.
Bend auto insurance rates can be extremely variable and depend on a lot of factors. This variability not only makes it more difficult to find the best rates, but also reinforces the need for multiple car insurance quotes when comparing rates online.
The next section of this article talks about the cost of auto insurance based on automotive segment. The average rates shown will provide a decent understanding of which types of vehicles have the overall most affordable rates.
Cheapest car insurance rates by vehicle type
When comparing new or used vehicles, it’s important to know which categories of vehicles have more favorable auto insurance rates.
If you know that large luxury SUVs cost around $500 more per year to insure than a full-size non-luxury SUV, that extra cost may sway you away from a luxury brand.
The next chart displays the average cost of auto insurance rates in Bend for different vehicle segments. Compact SUVs, midsize trucks, and minivans tend to have the best rates, but it’s also important to note that rates can vary quite a bit within each segment.
Because of the variation within any particular segment, these averages should be used as a general comparison, not as the final determinant of the type of vehicle you buy.
For example, in the sports car segment, rates range from the Mazda MX-5 Miata at $2,028 per year up to the Mercedes-Benz SL 63 at $4,504 per year. That’s a huge difference between models in the same segment.
In the midsize luxury car segment, the average cost of insurance can range from the Mercedes-Benz CLA250 costing $2,254 per year up to the BMW M8 costing $3,692 per year, a difference of $1,438 within that segment.
Lastly, in the midsize SUV segment, the average insurance cost can range from the Honda Passport at $1,748 per year up to the Rivian R1S costing $2,696 per year, a difference of $948 within that segment.
These examples show why the more granular you can be when comparing rates (down to the trim level if possible), the better your comparison will be.
In the next list, we detail the model with the cheapest average insurance rates in Bend, OR, for each segment shown in the chart above. Annual and monthly average auto insurance rates are listed for each model.
- Cheapest compact car to insure – Toyota GR Corolla at $1,906 per year or $159 per month
- Cheapest compact SUV to insure – Subaru Crosstrek at $1,620 per year or $135 per month
- Cheapest midsize car to insure – Kia K5 at $2,112 per year or $176 per month
- Cheapest midsize SUV to insure – Honda Passport at $1,748 per year or $146 per month
- Cheapest full-size car to insure – Chrysler 300 at $2,088 per year or $174 per month
- Cheapest full-size SUV to insure – Chevrolet Tahoe at $2,056 per year or $171 per month
- Cheapest midsize pickup to insure – Chevrolet Colorado at $1,930 per year or $161 per month
- Cheapest full-size pickup to insure – Nissan Titan at $2,050 per year or $171 per month
- Cheapest heavy duty pickup to insure – GMC Sierra 2500 HD at $2,228 per year or $186 per month
- Cheapest minivan to insure – Honda Odyssey at $2,002 per year or $167 per month
- Cheapest sports car to insure – Mazda MX-5 Miata at $2,028 per year or $169 per month
- Cheapest compact luxury car to insure – Acura Integra at $1,948 per year or $162 per month
- Cheapest compact luxury SUV to insure – Acura RDX at $1,834 per year or $153 per month
- Cheapest midsize luxury car to insure – Mercedes-Benz CLA250 at $2,254 per year or $188 per month
- Cheapest midsize luxury SUV to insure – Jaguar E-Pace at $2,050 per year or $171 per month
- Cheapest full-size luxury car to insure – Audi A5 at $2,604 per year or $217 per month
- Cheapest full-size luxury SUV to insure – Infiniti QX80 at $2,456 per year or $205 per month
We mentioned granularity earlier, and the next examples just help to illustrate how much rates can vary for individual models. The charts below show how different risk profiles and policy coverage can affect insurance rates for five vehicles: the Ford F150, Honda Civic, Toyota RAV4, Toyota Highlander, and Kia K5.
Ford F150 insurance rates
The average cost for Ford F150 insurance in Bend is $2,452 per year. With prices ranging from $46,195 to $100,090, average insurance quotes on a 2024 Ford F150 range from $2,060 per year on the Ford F150 XL Super Cab 4WD model up to $2,852 per year on the Ford F150 Lightning Platinum Black Special Edition.
When Bend car insurance quotes on the Ford F150 are compared with the average cost for the entire U.S. for the same vehicle, the cost is anywhere from $140 to $190 more per year in Bend, depending on the exact trim being insured.
From a monthly standpoint, full-coverage car insurance on the Ford F150 for an average middle-age driver can cost from $172 to $238 per month, depending on the insurance company and where you live in Bend.
The chart displayed below shows how the cost of car insurance for a Ford F150 can vary based on different driver ages, policy deductibles, and driver risk scenarios.
The Ford F150 is a full-size truck, and other models from that segment that are popular in Bend, Oregon, include the Chevrolet Silverado, GMC Sierra, Toyota Tundra, and Ram Truck.
Honda Civic insurance rates
With MSRP ranging from $23,950 to $43,795, average Bend insurance rates for a Honda Civic cost from $1,736 per year for the Honda Civic LX model up to $2,298 per year for the Honda Civic Type R trim.
From a cost per month standpoint, full-coverage car insurance on a 2024 Honda Civic for a safe driver can range from $145 to $192 per month, depending on policy limits and where you live in Bend.
The bar chart below may aid in understanding how car insurance quotes for a Honda Civic can change based on a number of different driver ages and common policy situations.
The Honda Civic belongs to the compact car segment, and other popular models in the same segment include the Hyundai Elantra, Volkswagen Jetta, Nissan Sentra, and Toyota Corolla.
Toyota RAV4 insurance rates
In Bend, the least-expensive car insurance rates on a 2024 Toyota RAV4 are on the LE AWD trim, costing an average of $1,784 per year, or about $149 per month. This model has a sticker price of $29,875.
The most expensive 2022 Toyota RAV4 trim level to insure in Bend is the Prime XSE AWD model, costing an average of $2,382 per year, or about $199 per month. The retail cost for this trim is $47,310, before destination charges and documentation fees.
From a cost per month standpoint, car insurance rates for the Toyota RAV4 for a safe driver can cost from $149 to $199 per month, depending on the car insurance company and your exact location in Bend.
The chart displayed below may aid in understanding how auto insurance quotes for a Toyota RAV4 can be very different for different driver ages, physical damage deductibles, and driver risk profiles.
In this example, cost ranges from $1,678 to $4,650 per year, which is a difference in cost of $2,972 for the same vehicle.
The Toyota RAV4 is a compact SUV, and other models in that segment include the Honda CR-V, Nissan Rogue, and Mazda CX-5.
Toyota Highlander insurance rates
In Bend, the most affordable insurance quotes for a 2024 Toyota Highlander are on the LE 2WD trim model, costing an average of $1,834 per year, or about $153 per month. This model has a MSRP of $37,625.
The most expensive 2022 Toyota Highlander to insure in Bend is the Hybrid XLE AWD model, costing an average of $2,166 per year, or around $181 per month. The retail price for this trim level is $43,825, before destination and documentation fees.
From a monthly standpoint, auto insurance quotes for the Toyota Highlander for an average middle-age driver can range from $153 to $181 per month, depending on policy limits and your exact location in Bend.
The chart displayed below may be useful to help you comprehend how auto insurance quotes on a Toyota Highlander can be quite different based on an assortment of driver ages, policy deductibles, and risk profiles.
The Toyota Highlander is a midsize SUV, and additional models from the same segment that are popular in Bend include the Kia Sorento, Honda Pilot, Ford Explorer, and Jeep Grand Cherokee.
Kia K5 insurance rates
The average price paid for Kia K5 insurance in Bend is $2,112 per year. With sticker prices ranging from $25,090 to $31,490, average insurance quotes for a Kia K5 cost from $2,024 per year for the Kia K5 LXS model up to $2,202 per year for the Kia K5 GT model.
When Bend car insurance rates on a Kia K5 are compared with the national average cost for the same vehicle, the cost is $138 to $152 more per year in Bend, depending on the exact trim being insured.
From a monthly standpoint, full-coverage insurance on the Kia K5 for a good driver can range from $169 to $184 per month, depending on exactly where you live in Bend.
The chart below shows how insurance quotes for a Kia K5 can range considerably for different drivers, policy deductibles, and policy risk factors.
For our sample risk profiles, rates range from $1,754 to $4,858 per year, which is a price difference of $3,104 just for changes in rated drivers.
The Kia K5 is part of the midsize car segment, and additional models from the same segment that are popular in Bend include the Nissan Altima, Honda Accord, Chevrolet Malibu, and Hyundai Sonata.