Expertise.com
2024

Last updated:

Best Local Car Insurance Agencies in Bend

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Bend Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

50

Reviewed

32

Curated

7

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
1843 Northeast 3rd Street, Bend, OR 97701
  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

Why choose this provider?

Graybeal Group, Inc., in Bend is an insurance agency that caters to its clients' car insurance needs. The company believes in the significance of having adequate car insurance coverage to protect policyholders against car accidents. It also offers other products, such as commercial, agriculture and farm, and homeowners' insurance. The independent agency is committed to educating its clients that they can find the right policy that can meet both their requirements and budget.

License Verified:

License: 100155467

Oregon Division Of Financial Regulation

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.8 / 5 (153)
Facebook
5.0 / 5 (81)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
1201 Northwest Wall Street, Bend, OR 97703
  • Multiple Carriers

Why choose this provider?

Cascade Insurance Center is a locally-owned and operated insurance agency that combines old-fashioned customer service with innovative methods to bring the right insurance products to clients in Bend. The full-service insurance company offers personal, business, health, and life insurance. Some of the insurance products under their personal insurance include auto, home, watercraft, and flood. Its business insurance, meanwhile, covers commercial properties and liability. The independent insurance agency represents various top insurance companies like Oregon Mutual and Travelers.

License Verified:

License: 100161512

Oregon Division Of Financial Regulation

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
3.7 / 5 (13)
Facebook
5.0 / 5 (4)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
20980 Sunset Place, Bend, OR 97703
  • Multiple Carriers

Why choose this provider?

Northwestern Insurance Group is an independent insurance agency that serves the people of Bend and all of Oregon. Its professional team of agents helps vehicle owners acquire car insurance policies based on their individual needs, requirements, and priorities. The company’s associates also educate clients about their options, provide comparative information on various carriers, and give consultation services. In addition to standard auto insurance, Northwestern Insurance Group offers home and commercial insurance products.

License Verified:

License: 100170971

Oregon Division Of Financial Regulation

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (1)

Website
320 Upper Terrace Dr., Ste 104, Bend, OR 97702
  • RV & Motorhome
  • Motorcyle & ATV
  • Boats

Why choose this provider?

Century Insurance Group, LLC is a local insurance company that serves the Bend area. From personal to commercial lines, the firm has a multitude of policies offered. It includes a policy for car owners which covers liability, collision, and comprehensive insurance coverage, and additional protection for bodily injuries, medical costs, and uninsured motorists. The company believes that knowledge is power; this is why it has created a team of professionals with a strong insurance background and product knowledge to be able to handle all types of insurance.

License Verified:

License: 100158492

Oregon Division Of Financial Regulation

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.9 / 5 (47)
Facebook
3.6 / 5 (7)
Yelp
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
598 Northwest Hill Street, Bend, OR 97701
  • RV & Motorhome
  • Motorcyle & ATV

Why choose this provider?

Cascade Summit Insurance is a family-owned agency with an office in Bend. The company helps vehicle owners and drivers by hunting for auto insurance quotes from multiple carriers. It offers standard, preferred, and high-risk auto insurance. Cascade Summit Insurance's team of insurance professionals lives in the same communities as its clients do, thus they have first-hand knowledge of their insurance needs and exposures. The agency was established in the 1920s by Lee Stidd Sr. on the philosophy "insuring inSTIDD of worrying."

License Verified:

License: 100175034

Oregon Division Of Financial Regulation

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (2)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
593 Northeast Azure Drive, Bend, OR 97701
  • Multiple Carriers

Why choose this provider?

The Insurance Connection of Deschutes is an independent insurance company serving Bend and the surrounding areas. It represents over 30 insurance carriers and aims to demystify insurance for its clients and offer them policies that fit their needs. Car insurance policies offered by the company include liability, personal injury protection, and uninsured motorist coverage. Other insurance products provided by the company are home insurance, renter's insurance, small business insurance, and umbrella insurance.

License Verified:

License: 100168802

Oregon Division Of Financial Regulation

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (107)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
15 Northwest Park Place, Bend, OR 97701
  • Multiple Carriers

Why choose this provider?

Focus1 Insurance - Bend, OR is an independent agency servicing the Bend community. It shops the insurance market to provide a wide selection of car insurance coverage options to clients. The policies protect drivers from financial losses caused by an accident or other covered losses. The agency also provides business auto insurance for vehicle fleets and specialty coverage for RVs and boats. Focus1 Insurance gives back to the community through charities such as Families for Community and Access of Jackson County Food Share.

License Verified:

License: 100171325

Oregon Division Of Financial Regulation

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (25)
Google
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Can you have multiple car insurance policies for the same vehicle in Bend?

    In Bend, it is possible to have multiple car insurance policies for the same vehicle, but it is generally discouraged due to potential complications. When you have overlapping coverage, it may lead to issues regarding which insurer is responsible for covering a claim. This could slow down the claims process or even lead to disputes between the insurance companies, which is why it is highly recommended to clarify the terms of having more than one policy.

  • Is car insurance mandatory in Bend?

    In Bend, it is against the law to operate a vehicle without liability insurance coverage. The minimum liability insurance requirements for drivers are $25,000 per person and $50,000 per accident for bodily injury to others, $20,000 per accident for property damage to others, $15,000 per person for personal injury protection, and $25,000 per person and $50,000 per accident for bodily injury coverage in cases involving uninsured motorists.

  • How does personal injury protection (PIP) work in Bend?

    Every auto insurance policy in Bend is required to include PIP coverage. PIP insurance is designed to cover various aspects of your injury-related costs in case of an accident, which may include medical expenses, lost income due to the injury, funeral expenses if applicable, and other expenses directly stemming from your injury.

  • Can you sue an at-fault driver for damages beyond what your insurance covers in Bend?

    Yes. In Bend, if you have already received the full compensation available from your insurance policies, you can file a lawsuit against the responsible driver for any remaining damages. In Oregon, individuals injured in car accidents usually have a two-year window to file a claim or lawsuit for bodily injuries, while there is a six-year timeframe for property damage claims or lawsuits. Note that if you exceed the statute of limitations, your claim may be dismissed.

  • What happens if you drive without insurance in Bend?

    In Bend, it is illegal to drive without auto insurance. Failure to comply results in fines and the suspension of your driving privileges. To avoid these penalties, you must show proof of insurance when requested by law enforcement, which can include your insurance card, a liability insurance binder, or a letter from your insurance agent confirming coverage. Failing to provide these documents can lead to a Class B traffic violation, involving fines, license suspensions, and mandatory monthly insurance verifications.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.