Top 50 Cheapest Cars to Insure in Bend, Oregon for 2022

Knowing which cars have the best car insurance rates can help you save a bundle over the time you own your vehicle.

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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 Mazda CX-5, Nissan Kicks, and Buick Encore.

Average car insurance rates for vehicles in the top ten cost $1,110 or less per year, or $93 per month, for a policy with full coverage.

Some other models that are ranked high in the comparison table below are the Buick Envision, Kia Seltos, Subaru Ascent, and Hyundai Venue. 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 $1,134 or less per year ($95 per month).

The following table ranks the 50 cars, pickups, and SUVs with the cheapest car insurance in Bend, Oregon.

Top 50 Cheapest Car Insurance Rates in Bend, Oregon
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$994$83
2Nissan Kicks$1,020$85
3Chevrolet Trailblazer$1,028$86
4Honda Passport$1,048$87
5Subaru Crosstrek$1,050$88
6Chevrolet Colorado$1,076$90
7Toyota C-HR$1,076$90
8Buick Encore$1,080$90
9Nissan Rogue Sport$1,092$91
10Hyundai Venue$1,110$93
11Buick Envision$1,114$93
12Kia Seltos$1,116$93
13Ford Maverick$1,118$93
14Acura RDX$1,120$93
15Subaru Ascent$1,122$94
16Toyota Corolla Cross$1,124$94
17Subaru Forester$1,130$94
18Hyundai Kona$1,132$94
19Mazda MX-5 Miata$1,132$94
20Subaru Impreza$1,134$95
21Volkswagen Tiguan$1,134$95
22Chevrolet Spark$1,142$95
23Honda CR-V$1,146$96
24Cadillac XT4$1,148$96
25Mazda CX-30$1,154$96
26Ford Ranger$1,162$97
27Honda HR-V$1,176$98
28Ford Edge$1,178$98
29Ford Ecosport$1,184$99
30Subaru Outback$1,200$100
31Chevrolet Trax$1,202$100
32Acura ILX$1,206$101
33GMC Terrain$1,206$101
34Mitsubishi Eclipse Cross$1,208$101
35Toyota Tacoma$1,214$101
36Hyundai Tucson$1,216$101
37Nissan Murano$1,216$101
38Chevrolet Bolt$1,218$102
39Chevrolet Equinox$1,222$102
40Honda Odyssey$1,222$102
41Toyota Venza$1,224$102
42Volkswagen Taos$1,226$102
43Ford Explorer$1,230$103
44Fiat 500X$1,232$103
45Toyota RAV4$1,236$103
46Kia Sorento$1,238$103
47Kia Soul$1,240$103
48Nissan Frontier$1,244$104
49Hyundai Palisade$1,254$105
50Volkswagen Golf$1,256$105

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Bend, OR.Data last updated on August 19, 2022
    Top 50 Cheapest Car Insurance Rates in Bend, Oregon

    Additional models ranking in the top 50 above include the Honda CR-V, Mazda CX-30, Volkswagen Taos, and Ford Edge. Insurance rates for those models cost between $1,134 and $1,260 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 $1,374 per year, the Toyota Tundra which costs $1,406, and the Infiniti Q50 which averages $1,908.

    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 $1,308 per year, which is 16.5% less than the U.S. average rate of $1,567. Per month, Bend car insurance costs about $109 per month for a full-coverage car insurance policy.

    The average car insurance cost in Oregon is $1,276 per year, so Bend drivers pay an average of $32 more 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 $284 per year cheaper than in Beaverton, $416 per year cheaper than in Portland, and $568 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 – $4,686 per year or $391 per month
    • 17 year old – $4,376 per year or $365 per month
    • 18 year old – $4,088 per year or $341 per month
    • 19 year old – $3,696 per year or $308 per month
    • 20 year old – $2,596 per year or $216 per month
    • 30 year old – $1,376 per year or $115 per month
    • 40 year old – $1,308 per year or $109 per month
    • 50 year old – $1,188 per year or $99 per month
    • 60 year old – $1,166 per year or $97 per month

    The chart below takes all 2022 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for the 2022 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Bend includes all Zip Codes and vehicle trim levels.Data last updated on August 19, 2022
    Bend, OR, Car Insurance Cost Summary
    Average Car Insurance Cost in Bend, OR
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,962$247
    Safe Driver Age 20$2,596$216
    At-fault Accidents Age 40$1,844$154
    Low Deductibles Age 40$1,698$142
    Safe Driver Age 30$1,376$115
    Safe Driver Age 40$1,308$109
    Safe Driver Age 50$1,188$99
    Safe Driver Age 60$1,166$97
    High Deductibles Age 40$1,106$92
    Discount Rate Age 40$1,086$91

    Average car insurance rates in the chart above range from $1,086 per year for a 40-year-old driver that qualifies for many policy discounts to $2,962 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 $91 to $247.

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Bend car insurance cost by segment is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Bend Zip Codes.Data last updated on August 19, 2022
    Average Bend, Oregon Car Insurance Rates by Vehicle Segment
    Bend Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$1,222$102
    Midsize Pickup$1,258$105
    Minivan$1,320$110
    Midsize SUV$1,322$110
    Compact Car$1,348$112
    Midsize Car$1,362$114
    Half-ton Pickup$1,422$119
    Compact Luxury SUV$1,468$122
    Large SUV$1,478$123
    Compact Luxury Car$1,484$124
    Large Car$1,510$126
    Heavy Duty Pickup$1,560$130
    Midsize Luxury SUV$1,580$132
    Midsize Luxury Car$1,732$144
    Sports Car$1,844$154
    Large Luxury SUV$1,976$165
    Large Luxury Car$2,068$172

    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 $1,132 per year up to the Nissan GT-R at $2,708 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 Acura ILX costing $1,206 per year up to the BMW M5 costing $2,264 per year, a difference of $1,058 within that segment.

    Lastly, in the midsize SUV segment, the average insurance cost can range from the Honda Passport at $1,048 per year up to the Rivian R1S costing $1,632 per year, a difference of $584 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 insureSubaru Impreza at $1,134 per year or $95 per month
    • Cheapest compact SUV to insureMazda CX-5 at $994 per year or $83 per month
    • Cheapest midsize car to insureSubaru Legacy at $1,268 per year or $106 per month
    • Cheapest midsize SUV to insureHonda Passport at $1,048 per year or $87 per month
    • Cheapest full-size car to insureToyota Avalon at $1,372 per year or $114 per month
    • Cheapest full-size SUV to insureChevrolet Tahoe at $1,314 per year or $110 per month
    • Cheapest midsize pickup to insureChevrolet Colorado at $1,076 per year or $90 per month
    • Cheapest full-size pickup to insureFord F150 at $1,266 per year or $106 per month
    • Cheapest heavy duty pickup to insureFord F350 Super Duty at $1,422 per year or $119 per month
    • Cheapest minivan to insureHonda Odyssey at $1,222 per year or $102 per month
    • Cheapest sports car to insureMazda MX-5 Miata at $1,132 per year or $94 per month
    • Cheapest compact luxury car to insureMercedes-Benz A220 at $1,286 per year or $107 per month
    • Cheapest compact luxury SUV to insureAcura RDX at $1,120 per year or $93 per month
    • Cheapest midsize luxury car to insureAcura ILX at $1,206 per year or $101 per month
    • Cheapest midsize luxury SUV to insureCadillac XT5 at $1,288 per year or $107 per month
    • Cheapest full-size luxury car to insureAudi A5 at $1,534 per year or $128 per month
    • Cheapest full-size luxury SUV to insureVolvo XC90 at $1,414 per year or $118 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 $1,266 per year. With prices ranging from $32,790 to $73,105, average insurance quotes on a 2022 Ford F150 range from $1,092 per year on the Ford F150 XL Regular Cab 4WD model up to $1,440 per year on the Ford F150 Limited SuperCrew.

    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 $180 to $238 less 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 $91 to $120 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 model year Ford F150 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford F150 car insurance cost in Bend includes all Zip Codes and vehicle trim levels.Data last updated on August 19, 2022
    Ford F150 Insurance Cost in Bend, Oregon
    Ford F150 Insurance Cost in Bend, OR
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,858$238
    Safe Driver Age 20$2,504$209
    At-fault Accidents Age 40$1,782$149
    Low Deductibles Age 40$1,632$136
    Safe Driver Age 30$1,330$111
    Safe Driver Age 40$1,266$106
    Safe Driver Age 50$1,150$96
    Safe Driver Age 60$1,130$94
    High Deductibles Age 40$1,074$90
    Discount Rate Age 40$1,050$88

    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 $22,350 to $39,000, average Bend insurance rates for a Honda Civic cost from $1,204 per year for the Honda Civic LX model up to $1,416 per year for the Honda Civic Type R trim.

    From a cost per month standpoint, full-coverage car insurance on a 2022 Honda Civic for a safe driver can range from $100 to $118 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 model year Honda Civic with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Civic car insurance cost in Bend includes all Zip Codes and vehicle trim levels.Data last updated on August 19, 2022
    Honda Civic Insurance Cost in Bend, Oregon
    Honda Civic Insurance Cost in Bend, OR
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,922$244
    Safe Driver Age 20$2,558$213
    At-fault Accidents Age 40$1,826$152
    Low Deductibles Age 40$1,668$139
    Safe Driver Age 30$1,358$113
    Safe Driver Age 40$1,296$108
    Safe Driver Age 50$1,180$98
    Safe Driver Age 60$1,158$97
    High Deductibles Age 40$1,104$92
    Discount Rate Age 40$1,074$90

    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 2022 Toyota RAV4 are on the LE 2WD trim, costing an average of $1,144 per year, or about $95 per month. This model has a sticker price of $26,525.

    The most expensive 2022 Toyota RAV4 trim level to insure in Bend is the Prime XSE AWD model, costing an average of $1,336 per year, or about $111 per month. The retail cost for this trim is $43,125, 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 $95 to $111 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 $1,026 to $2,806 per year, which is a difference in cost of $1,780 for the same vehicle.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 model year Toyota RAV4 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota RAV4 car insurance cost in Bend includes all Zip Codes and vehicle trim levels.Data last updated on August 19, 2022
    Toyota RAV4 Insurance Cost in Bend, OR
    Toyota RAV4 Insurance Cost in Bend, OR
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,806$234
    Safe Driver Age 20$2,460$205
    At-fault Accidents Age 40$1,742$145
    Low Deductibles Age 40$1,618$135
    Safe Driver Age 30$1,304$109
    Safe Driver Age 40$1,236$103
    Safe Driver Age 50$1,126$94
    Safe Driver Age 60$1,104$92
    High Deductibles Age 40$1,040$87
    Discount Rate Age 40$1,026$86

    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 2022 Toyota Highlander are on the L 2WD trim model, costing an average of $1,152 per year, or about $96 per month. This model has a MSRP of $35,405.

    The most expensive 2022 Toyota Highlander to insure in Bend is the Hybrid Platinum AWD model, costing an average of $1,482 per year, or around $124 per month. The retail price for this trim level is $50,960, 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 $96 to $124 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 model year Toyota Highlander with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Highlander car insurance cost in Bend includes all Zip Codes and vehicle trim levels.Data last updated on August 19, 2022
    Toyota Highlander Insurance Cost in Bend, Oregon
    Toyota Highlander Insurance Cost in Bend, OR
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,006$251
    Safe Driver Age 20$2,632$219
    At-fault Accidents Age 40$1,854$155
    Low Deductibles Age 40$1,742$145
    Safe Driver Age 30$1,392$116
    Safe Driver Age 40$1,314$110
    Safe Driver Age 50$1,200$100
    Safe Driver Age 60$1,178$98
    High Deductibles Age 40$1,098$92
    Discount Rate Age 40$1,094$91

    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 $1,284 per year. With sticker prices ranging from $23,790 to $31,190, average insurance quotes for a Kia K5 cost from $1,220 per year for the Kia K5 LX model up to $1,346 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 $200 to $222 less 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 $102 to $112 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 $1,066 to $2,914 per year, which is a price difference of $1,848 just for changes in rated drivers.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 model year Kia K5 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Kia K5 car insurance cost in Bend includes all Zip Codes and vehicle trim levels.Data last updated on August 19, 2022
    Kia K5 Insurance Cost in Bend, OR
    Kia K5 Insurance Cost in Bend, OR
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,914$243
    Safe Driver Age 20$2,554$213
    At-fault Accidents Age 40$1,814$151
    Low Deductibles Age 40$1,658$138
    Safe Driver Age 30$1,350$113
    Safe Driver Age 40$1,284$107
    Safe Driver Age 50$1,170$98
    Safe Driver Age 60$1,146$96
    High Deductibles Age 40$1,094$91
    Discount Rate Age 40$1,066$89

    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.