Car Insurance in Bend, Oregon
Bend living at its safest (and best).
Spinning your wheels trying to get the best auto insurance rates in Bend?
In Oregon, Lemonade drivers’ premiums are calculated based on how many miles they actually drive, along with other factors. So if you’re mainly hopping behind the wheel to pop over to the Victorian Cafe or for the occasional weekend excursion to Big Bend National Park, Lemonade Car might be a great fit.
The last thing you want to do is randomly pick a car insurance company and hope for the best. Or worse, drive without enough coverage and pray you won’t get into a car accident.
You can drive with confidence in Bend knowing you’re covered with Lemonade Car.
Insurance requirements and limitations in Bend are determined by the state of Oregon. But don’t sweat the details. When you apply for car insurance in Bend, we’ll automatically get you hooked up with the auto insurance coverages you need, and offer extra coverages to help you customize your policy so you feel protected behind the wheel.
Read on to learn about how you can get the best rates on car insurance in Bend, Oregon.
What car insurance coverage is required in Bend?
The state of Oregon requires all Bend drivers to have car insurance.
Let’s run through some basics first. Remember: A “limit” on your car insurance policy refers to the maximum amount your insurance company will pay out on a certain type of claim.
For example, Oregon drivers are required to have a minimum of $25,000/$50,000 of bodily injury liability coverage. That means that for a certain type of claim your car insurance company could pay out a maximum of $25,000 of bodily injury coverage per person, and $50,000 of bodily injury coverage in total (for all of the people injured in an accident.)
To comply with Oregon’s car insurance coverage requirements, Bend drivers need the following coverages and minimum coverage amounts:
| Required minimum coverages for Bend drivers | Minimum amount required |
|---|---|
| Bodily injury liability coverage | $25,000/50,000 |
| Property damage liability coverage | $20,000 |
| Uninsured/underinsured driver bodily injury coverage | $25,000/50,000 |
| Personal injury protection | $15,000 |
Keep in mind: Your levels of bodily injury and property damage liability coverage don’t have to stop at the bare minimum. You can easily select higher amounts for each required coverage and include optional add-on coverages when you build your policy on the Lemonade app.
Additional coverages available to Bend drivers
Bend drivers who drive with Lemonade Car can (and arguably should) add the following coverage options to their auto insurance policy to boost their protection behind the wheel.
| What add-on coverages does Car offer? | What can it help pay for? |
|---|---|
| Collision coverage | To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on). |
| Comprehensive coverage | To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, vandalism, theft, and so on). |
| Uninsured/underinsured driver property damage coverage | To repair or replace your own car if you get into a car accident with an uninsured or underinsured driver. |
| Temporary transportation coverage | Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised. |
| Roadside assistance | Towing and other emergency roadside services – like lockout services, flat tire replacement, jumpstarts for dead batteries, fuel delivery, winching, and battery service if your car breaks down. |
Want to dive into the nitty-gritty of what Oregon car insurance has to offer? Get the full scoop here.
How much does Bend car insurance cost?
Well, that depends.
Your car insurance premium price is based on a number of factors—including the car you drive, the coverages you include, and their limits and deductibles.
But at Lemonade Car, the way you drive matters, and actually helps determine your price. So when you’re building a quote for your first term, things like your driving record, your driving history, your insurance score, and how many miles you typically drive help us determine the fairest price and average cost for your car insurance policy.
When you buy a Lemonade Car policy in Oregon, you determine how much you spend each month based on how many miles you actually drive, making Lemonade especially ideal for the low-mileage driver.
Each month you’ll pay a different price; it’s a calculation of the number of miles you drive multiplied by your per-mile price, plus your monthly base price that doesn’t change.
The right car insurance combines the coverage you need with auto insurance rates and deductibles you can afford. That’s why Lemonade Car offers insurance you can easily customize. You deserve a policy that feels just right—and fits your budget. Learn more about the cost of insurance at Lemonade Car and more ways you can lower the cost of your rates.
The most straightforward way to get a sense of how we price Lemonade car insurance is by applying for coverage via our mobile app or website.
Click below to get your car insurance quote in Bend.
Best day trips in Bend
Looking to get away for the day? Buckle up: These quick road trips can satisfy your wanderlust without taking you too far from Bend.
High Desert Museum
Just a 10-minute drive from downtown Bend, the High Desert Museum offers an immersive experience into the region’s rich history, culture, and natural environment.
The exhibits cover a wide range of topics from Indigenous cultures to desert wildlife, and live demonstrations add an interactive element to your visit. You can also bring your pet as the museum offers dog kennels with a parking and picnic area.
Tumalo Falls
Around a 20-minute drive from Bend, Tumalo Falls is a breathtaking natural wonder you won’t want to miss.
The 97-foot waterfall is the main attraction, but the surrounding area offers plenty of hiking trails and picnic spots, making it a perfect destination for all nature lovers. The Tumalo Creek Trail also provides beautiful river views and connects with the Deschutes National Forest trails. Whether you’re hiking, biking, or simply enjoying the view, Tumalo Falls is a must-visit.
Newberry National Volcanic Monument
A 30-minute drive south of Bend, the Newberry National Volcanic Monument offers a fascinating look into the area’s volcanic past.
You can explore the Lava River Cave, a mile-long lava tube that invites adventurous visitors to hike through its dark passages with the aid of flashlights.There is also Paulina Peak for stunning panoramic views, or Paulina and East Lakes for relaxing by the shores.
Smith Rock State Park
A 40-minute drive north of Bend will take you to Smith Rock State Park, a world-renowned destination for rock climbing.
Whether into rock climbing or not, the park offers scenic views, numerous hiking trails, and wildlife spotting opportunities. The dramatic rock formations and the Crooked River running through the park make it a must see.
Other ways of getting around Bend
While cars can be a major convenience, sometimes it’s just quicker and cheaper (not to mention better for the planet) to find an alternative.
Bend offers several public transit options to help residents and visitors get around without a car. Cascades East Transit operates a network of buses throughout the region, providing an affordable way to navigate the area with fixed rides costing usually anywhere from only $3-$5.
Bend is also a very walkable city with a walking score of 98/100 making it possible for individuals to get around easily on foot or bike. These areas have pedestrian-friendly pathways, offering a strollable experience with plenty of dining, shopping, and entertainment options.
Before we drive off into the sunset…
Bend drivers, we can’t wait for you to take Lemonade Car for a spin. Here’s hoping you never get stuck in rush hour traffic on US-97!
We offer top-of-the-line coverage and trunk loads of discounts—plus opportunities to make the road (and the world around us) a better place.
Our great coverage and super fast claims resolution don’t stop at auto insurance, though. Did you know that we also offer other insurance products such as: homeowners, renters, pet, and life insurance? Not only will you become eligible for our bundling discounts, you can also manage each of your policies through the same app you use for Lemonade Car.
Let’s drive.
