Car Insurance Cost in Gresham, OR – 2025 Cheapest Rates + Rankings

• Gresham car insurance rates average $2,820 per year for full coverage, or approximately $235 on a monthly basis.
• Gresham car insurance averages $416 per year more than the Oregon state average and $544 per year more than the United States national average.
• Monthly auto insurance rates for a few popular vehicles in Gresham include the Hyundai Elantra at $255, Chevrolet Equinox at $216, and Mazda CX-5 at $192.
• Compact crossovers and SUVs like the Honda CR-V, Buick Encore, Toyota Corolla Cross, and Chevrolet Trailblazer are the top picks for having cheap car insurance in Gresham.
• Vehicles with segment-leading auto insurance rates include the Honda Passport, Subaru Crosstrek, Jaguar E-Pace, and Chevrolet Tahoe.
• Car insurance quotes in Gresham can vary from as low as $31 per month for minimum liability insurance to well over $669 per month for teens and other high-risk drivers.

How much does car insurance cost in Gresham?

Average car insurance rates in Gresham cost $2,820 per year, or approximately $235 per month. That’s 21.4% more expensive than the overall U.S. average rate of $2,276 per year.

The average cost of car insurance in Oregon is $2,404 per year, so Gresham drivers pay an average of $416 more per year than the overall Oregon state-wide average rate. When rates are compared to other cities in Oregon, the average cost of car insurance in Gresham is about $154 per year more expensive than in Portland, $332 per year more expensive than in Hillsboro, and $598 per year more expensive than in Eugene.

The next chart shows average Gresham car insurance rates for 2024 model year vehicles not only by driver age, but also by physical damage coverage deductibles.

Average car insurance rates in the chart range from $1,976 per year for a high deductible policy for a 60-year-old driver to $6,596 per year for a 20-year-old driver with a policy with low comprehensive and collision deductibles.

When average annual cost is converted to monthly rates, the average cost of car insurance per month in Gresham ranges from $165 to $550.

Gresham auto insurance rates are priced differently for every driver and are impacted by many factors. Since there can be such a large difference in rates, it emphasizes the need for accurate car insurance quotes when shopping around for the cheapest car insurance coverage.

The age of the rated driver has the single biggest impact on the price of car insurance. The list below details how driver age influences cost by breaking out average car insurance rates in Gresham for different driver ages.

Average cost of car insurance in Gresham for drivers age 16 to 60

• 16-year-old driver – $10,040 per year or $837 per month
• 17-year-old driver – $9,728 per year or $811 per month
• 18-year-old driver – $8,720 per year or $727 per month
• 19-year-old driver – $7,941 per year or $662 per month
• 20-year-old driver – $5,672 per year or $473 per month
• 30-year-old driver – $3,008 per year or $251 per month
• 40-year-old driver – $2,820 per year or $235 per month
• 50-year-old driver – $2,498 per year or $208 per month
• 60-year-old driver – $2,340 per year or $195 per month

The rates listed above for teen drivers assumed a male driver. The chart below breaks out average teen driver car insurance rates by gender. Young female drivers tend to have cheaper car insurance rates than their male counterparts.

Auto insurance for a 16-year-old female driver in Gresham costs an average of $656 less per year than the cost for a male driver, while at age 19, it’s still $1,227 cheaper per year for females than males.

Popular vehicles and the cost of insurance

The auto insurance rates discussed up to this point take all 2024 models and come up with an average cost, which is handy for making overall comparisons like the cost difference between driver ages or locations.

Average car insurance rates work very well when presented with a question like “are auto insurance rates in Gresham cheaper than in Salem?” or “is Oregon auto insurance cheaper than California?”.

For more in-depth car insurance cost comparisons, however, we get better data if we perform a rate analysis for the specific model of vehicle being insured. Each individual vehicle model has a unique risk profile for calculating how much car insurance costs and this data allows for more detailed cost analysis.

The next chart breaks down insurance rates for some of the more popular vehicles that you will find cruising the streets of Gresham.

Models that are popular in Gresham tend to be compact or midsize cars like the Hyundai Elantra, Toyota Corolla, and Kia K5 and small or midsize SUVs like the Nissan Rogue, Chevy Equinox, and Ford Explorer.

Some additional popular vehicles from other segments include luxury models like the Tesla Model S and Cadillac XT5, pickup trucks like the Chevy Silverado and Ram 1500, and sports cars like the Chevy Corvette and Porsche 911.

We will get into rates for lots more vehicles coming up in the article, but before we get into that, let’s review the key concepts and comparisons that were discussed up to this point.

• Teen girls pay less than teenage males – Teenage female drivers pay $1,227 to $656 less per year than their male counterparts.
• Car insurance rates fall substantially between ages 20 and 30 – The average 30-year-old Gresham driver will pay $2,664 less per year than a 20-year-old driver, $3,008 versus $5,672.
• Gresham car insurance rates are more expensive than the Oregon state average – $2,820 (Gresham average) versus $2,404 (Oregon average)
• Gresham car insurance cost is more than the U.S. average – $2,820 (Gresham average) compared to $2,276 (U.S. average)
• Auto insurance is cheaper as you get older – Average auto insurance rates for a 40-year-old driver in Gresham are $2,852 per year cheaper than for a 20-year-old driver.
• Insuring teenagers is expensive in Gresham – Average cost can range from $6,714 to $10,040 per year to insure a teenager in Gresham, OR.

Which vehicles cost the least to insure in Gresham?

The models with the cheapest average insurance prices in Gresham tend to be crossovers and compact SUVs like the Kia Soul, Chevrolet Trailblazer, Buick Envision, and Hyundai Venue. Average car insurance rates for those vehicles cost $2,292 or less per year ($191 per month) for a policy with full coverage.

Examples of other vehicles that rank very well in our auto insurance cost comparison are the Kia Niro, Volkswagen Tiguan, Buick Envista, and Ford Bronco Sport. Rates are slightly higher for those models than the compact SUVs at the top of the list, but they still have average rates of $2,448 or less per year, or around $204 per month in Gresham.

The next table breaks down the cheapest vehicles to insure in Gresham, ordered by annual cost.

A table of 25 vehicle models with cheap Gresham car insurance is fine if you just want the lowest rates. Due to the fact that we track over 700 vehicles, that’s a lot of vehicles that get omitted from the list. Let’s dig deeper into the data and show the most affordable vehicles an alternative way.

The section below talks about the average cost of auto insurance for each vehicle segment. The average rates shown in the chart will give you a good foundation of which types of cars, trucks, and SUVs that have the best car insurance rates in Gresham. Then the following six sections rank the specific models that have the cheapest insurance rates in each segment.

Gresham, OR, car insurance rates by vehicle segment

When car shopping, it’s important to know which types of vehicles have more affordable auto insurance rates.

To illustrate this, some common questions are if midsize cars have cheaper car insurance than full-size cars or if regular SUVs cost less to insure than luxury SUVs.

The next chart shows average auto insurance rates in Gresham for different vehicle segments. When comparing rates from a segment perspective, compact SUVs, midsize trucks, and minivans have the least expensive average car insurance rates, with high-performance exotic models having the highest average insurance cost.

Rates by automotive segment are handy for overall comparisons, but cost varies substantially within each of the segments listed in the chart above.

For example, in the small luxury car segment, car insurance rates in Gresham range from the Acura Integra at $2,506 per year for full coverage insurance to the BMW M340i costing $3,442 per year.

As another example, in the large truck segment, rates range from the Nissan Titan costing $2,636 per year to the Toyota Tundra costing $3,358 per year, a difference of $722 within that segment.

In the next sections of the article, we eliminate much of the variability by comparing the cost of auto insurance in Gresham for individual vehicles.

Cheapest cars to insure in Gresham, OR

The Toyota GR Corolla comes in at #1 as the most affordable non-luxury car to insure in Gresham, followed by the Nissan Leaf, Honda Civic, Nissan Sentra, and Subaru Impreza. The 2024 model has an average cost of $2,448 per year for a policy with full coverage.

Not the cheapest cars to insure, but still very reasonable, are cars like the Toyota Corolla, Honda Accord, Toyota Prius, and Chevrolet Malibu, with an average cost of $2,746 per year or less.

Ranked between 10th and 20th place, cars like the Nissan Versa, Kia Forte, Mazda 3, Mitsubishi Mirage G4, Volkswagen Jetta, and Volkswagen Arteon average between $2,746 and $2,916 to insure per year in Gresham.

On a monthly basis, full-coverage auto insurance in Gresham on this segment for an average middle-age driver will start around $204 per month, depending on your company and location. The rate comparison table below ranks the cars with the cheapest average auto insurance rates in Gresham, starting with the Toyota GR Corolla at $2,448 per year ($204 per month) and ending with the Mazda 3 at $2,916 per year ($243 per month).

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to view any vehicles not shown in the table.

Need rates for a different vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Oregon.

Cheapest SUV insurance rates in Gresham, OR

The most affordable non-luxury SUVs to insure in Gresham are the Subaru Crosstrek at $2,082 per year, the Chevrolet Trailblazer at $2,118 per year, and the Kia Soul at $2,200 per year.

Also ranking in the top 10 are SUVs like the Toyota Corolla Cross, Ford Bronco Sport, Buick Envision, and Hyundai Venue, with an average car insurance cost of $2,308 per year or less.

On a monthly basis, full-coverage car insurance in this segment for a middle-age safe driver starts at an average of $174 per month, depending on your location.

The most affordable non-luxury compact SUV to insure in Gresham is the Subaru Crosstrek at $2,082 per year. For midsize SUVs, the Honda Passport is the cheapest model to insure at $2,246 per year. And for large SUVs, the Chevrolet Tahoe is most affordable to insure at $2,646 per year.

The next table ranks the SUVs with the lowest-cost car insurance in Gresham, starting with the Subaru Crosstrek at $174 per month and ending with the Subaru Ascent at $205 per month.

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Don’t see your SUV in the list? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Oregon.

Cheapest pickups to insure in Gresham, Oregon

Ranked at #1 in Gresham for the lowest-cost average insurance in the pickup truck segment is the Chevrolet Colorado, with an average cost of $2,482 per year. Second place is the Nissan Titan at $2,636 per year, ranking third is the Nissan Frontier, at an average of $2,668 per year, and ranking fourth is the Ford Ranger, costing an average of $2,692 per year.

Other pickups that rank well include the Toyota Tacoma, Hyundai Santa Cruz, GMC Canyon, and Honda Ridgeline, with average cost of $2,900 per year or less.

Full-coverage insurance in Gresham for this segment for the average driver can cost as low as $207 per month, depending on your location. The rate comparison table below ranks the pickups with the cheapest car insurance in Gresham, starting with the Chevrolet Colorado at $2,482 per year and ending with the Ram Truck at $3,260 per year.

See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.

Don’t see insurance cost for your pickup? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Gresham car insurance quotes from the best car insurance companies in Oregon.

Cheapest luxury car insurance rates

The #1 ranking in Gresham for the lowest-cost average insurance in the luxury sedan segment is the Acura Integra, costing $2,506 per year. Second place is the BMW 330i costing $2,870 per year, and the third cheapest is the Mercedes-Benz CLA250, at an average of $2,900 per year.

Other models that have affordable average insurance rates are the Genesis G70, Lexus RC 300, Lexus ES 350, and Mercedes-Benz AMG CLA35, with an average cost of $2,964 per year or less.

From a cost per month standpoint, auto insurance rates in Gresham on this segment for the average driver starts at around $209 per month, depending on the company.

If insurance rates are ranked by vehicle size, the cheapest compact luxury car to insure in Gresham is the Acura Integra at $2,506 per year. For midsize luxury models, the Mercedes-Benz CLA250 is cheapest to insure at $2,900 per year. And for large luxury cars, the Audi A5 has the most affordable rates at $3,350 per year.

The rate comparison table below ranks the twenty cars with the cheapest insurance in Gresham, starting with the Acura Integra at $209 per month and ending with the Audi S3 at $263 per month.

See our comprehensive guide for luxury car insurance to view data for vehicles not featured in the table.

Need rates for a different vehicle? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Oregon.

Cheapest luxury SUVs to insure

The four top-ranked luxury SUVs with the cheapest car insurance in Gresham are the Acura RDX at $2,356 per year, Lexus NX 250 at $2,494 per year, Cadillac XT4 at $2,544 per year, and Jaguar E-Pace at $2,634 per year.

Not the cheapest luxury SUVs to insure, but still very reasonable, are models like the Mercedes-Benz GLB 250, Lincoln Corsair, Lexus NX 350h, and Lexus UX 250h, with an average cost of $2,718 per year or less.

Additional 2024 luxury models that made the list include the Lexus NX 350, Mercedes-Benz GLA250, Mercedes-Benz AMG GLB35, and Cadillac XT6, which cost between $2,718 and $2,830 per year for auto insurance.

On a monthly basis, auto insurance in Gresham on this segment for a good driver can cost as low as $196 per month, depending on the company and your location.

When ranked by vehicle size, the lowest-cost compact luxury SUV model to insure in Gresham is the Acura RDX at $2,356 per year, or $196 per month. For midsize 2024 models, the Jaguar E-Pace is cheapest to insure at $2,634 per year, or $220 per month. And for full-size luxury SUVs, the Infiniti QX80 has the cheapest rates at $3,160 per year, or $263 per month.

The next table ranks the luxury SUVs with the cheapest average car insurance rates in Gresham.

For more car insurance comparisons, see our guide for luxury SUV insurance.

Don’t see your luxury SUV in the list? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Gresham car insurance quotes from top-rated companies in Oregon.

Cheapest sports cars to insure

For 2024 models, the five most affordable sports cars to insure in Gresham are the Mazda MX-5 Miata, Toyota GR86, Ford Mustang, BMW Z4, and Subaru WRX. Auto insurance rates for these vehicles range from $2,608 to $3,162 per year.

Some other sports cars that rank well are the Toyota GR Supra, Nissan Z, Subaru BRZ, and BMW M2, with average cost of $3,372 per year or less.

Some additional vehicles that make the list include the BMW M3, Chevrolet Corvette, Porsche 911, and Porsche Taycan, which cost between $3,372 and $4,774 per year to insure in Gresham.

Full-coverage auto insurance for this segment in Gresham for a middle-age safe driver starts at an average of $217 per month, depending on the company and where you live. The next table ranks the twenty sports cars with the most affordable insurance in Gresham, starting with the Mazda MX-5 Miata at $217 per month and ending with the Porsche Taycan at $398 per month.

Don’t see rates for your sports car? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in Gresham.

Risk factors and price variation

To try to clarify the extent to which the cost of car insurance can fluctuate between drivers, the sections below show a wide range of rates for three popular models in Gresham: the Toyota Corolla, Toyota RAV4, and Kia Sorento.

Each example uses different risk profiles to illustrate the difference in average cost based on changes in the risk profile of the driver.

Toyota Corolla insurance rates

In Gresham, Toyota Corolla insurance averages $2,746 per year, or about $229 per month, and ranges from $2,278 to $6,298 annually for the driver ages and coverage limits displayed in the chart below.

The Toyota Corolla is part of the compact car segment, and other popular same-segment models include the Hyundai Elantra, Nissan Sentra, Chevrolet Cruze, and Volkswagen Jetta.

Toyota RAV4 insurance rates

Insurance for a Toyota RAV4 in Gresham costs an average of $2,602 per year, or about $217 per month, and has a range of $2,160 to $5,982 annually.

The Toyota RAV4 belongs to the compact SUV segment, and other models in the same segment include the Honda CR-V, Mazda CX-5, and Nissan Rogue.

Kia Sorento insurance rates

Auto insurance for a Kia Sorento in Gresham costs an average of $2,674 per year, or around $223 per month, and has a range of $2,226 to $6,144 annually.

The Kia Sorento is part of the midsize SUV segment, and additional similar models from the same segment include the Ford Explorer, Ford Edge, and Kia Telluride.

Tips for getting cheaper Gresham auto insurance quotes

Smart drivers should always be thinking of ways to pay less for insurance So glance at the money-saving ideas in the list below to see if you can save a few bucks on your next policy purchase.

• Improve your credit to save money. Maintaining a high credit score could save a minimum of $443 per year when compared to a credit score between 670-739. Conversely, a weaker credit score below 579 could cost as much as $513 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Careless drivers spend more for car insurance in Gresham. Having at-fault accidents will cost you more, possibly as much as $4,026 per year for a 20-year-old driver and even as much as $690 per year for a 60-year-old driver. So drive safe and save!
• Increasing deductibles lowers insurance cost. Jacking up your deductibles from $500 to $1,000 could save around $382 per year for a 40-year-old driver and $742 per year for a 20-year-old driver.
• Choose a vehicle that is cheaper to insure. The make and model of vehicle you drive is a huge factor in the cost of auto insurance. As an example, a Honda CR-V costs $2,864 less per year to insure in Gresham than a Acura NSX. Buy vehicles with less performance to save money.
• Don’t file small claims. Insurance companies offer discounts if you have no claims on your account. Insurance should only be used to protect you from larger claims, not for minor claims that can easily be paid out-of-pocket.
• Get cheaper policy cost by avoiding traffic tickets. In order to have the cheapest car insurance in Gresham, it can pay off to be a safe driver. In fact, just a few minor driving offenses have the consequences of raising insurance cost by as much as $748 per year. Serious infractions like DUI or reckless driving could raise rates by an additional $2,618 or more.
• Shop around for better rates. Setting aside a few minutes before every renewal to get some free car insurance quotes is a smart way to save money. Rates are always changing and you can switch anytime.