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Oregon Cheapest Car Insurance & Best Coverage Options

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Updated May 6th, 2021

Checked by
Jaime Arias
Licensed Agent
Reviewed by
Jennifer Benson
Licensed Agent
Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith.

AutoInsureSavings.org team of licensed insurance agents found Progressive at $543 per year is the cheapest of all car insurance companies in Oregon for a minimum coverage policy.

At $1,217 per year, State Farm is the cheapest car insurance company in Oregon for a full coverage policy.

Best Cheap Car Insurance in Oregon

Carrying insurance in the state of Oregon is mandated by state law. However, who provides your coverage and anything above the liability insurance requirements are a matter of choice.

Cheapest Car Insurance in Oregon - Key Takeaways
AutoInsureSavings.orgThe cheapest Oregon car insurance options are:

Cheapest for minimum coverage: Progressive
Cheapest for full coverage: State Farm
Cheapest after an at-fault accident: Country Financial
Cheapest after a speeding ticket: American Family
Cheapest after a DUI: Progressive
Cheapest for poor credit history: State Farm
Cheapest for young drivers: GEICO
For younger drivers with a speeding violation: Nationwide
For younger drivers with an at-fault accident: Nationwide

Keep reading to learn how to save money with Oregon car insurance companies in various age groups and how to find the best auto insurance coverage for the most affordable cost when comparison shopping.

Cheapest car insurance in Oregon with Progressive, State Farm, and American Family Insurance compared with average rates.

Cheapest Car Insurance in Oregon for Minimum Coverage

Our agents found that Progressive offers the cheapest minimum coverage car insurance for Oregon drivers with a good driving record at $543 per year, which is 24% less expensive than the average cost for minimum liability from other car insurance companies in Oregon at $924 per year.

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Auto InsurerAverage Annual Rate
Progressive$543
State Farm$580
USAA$624
American Family$715
Country Financial$753
Wawanesa$795
GEICO$876
Allstate$978
Farmers$1,031
Nationwide$1,154

*USAA is for qualified military members, their spouses, and direct family members. Auto insurance rates vary depending on driver profiles.

We found the most expensive insurance providers for minimum coverage during our rate analysis are Farmers and Nationwide, with an average quote of $1,031 and $1,154 per year. 

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The cheapest car insurance in the state of Oregon is based on several factors. First, you must determine if you want full coverage or the state minimum coverage. Then, you must factor in your vehicle information, age, and driving history.

Minimum coverage is a liability-only insurance policy with bodily injury and property damage liability insurance and uninsured motorist bodily injury, including personal injury protection. 

Cheapest Insurance for Full Coverage in Oregon

State Farm offers cheap insurance rates in Oregon at $1,217 per year or $101 per month for full coverage, 35% cheaper than Oregon state average rates. 

The next best is Progressive, which offers full coverage insurance rates at $1,465 per year or 21% cheaper than average rates. 

InsurerAnnual CostMonthly Cost
State Farm$1,217$101
Progressive$1,465$122
American Family$1,576$131
Oregon average$1,847$153

*Your rates may vary when you get a quote.

Oregon’s average premium for full coverage insurance is $1,847 per year or $153 per month.

Full coverage policies include comprehensive and collision, which reimburse property damage to your vehicle from car accidents, vandalism, or thefts.

AutoInsureSavings.org licensed insurance agents to recommend drivers in Oregon with newer model vehicles to buy a full coverage auto insurance policy.

Cheapest Auto Insurance in Oregon With Speeding Tickets

Our licensed agents found American Family Insurance company offers the cheapest rates for Oregon drivers with speeding tickets at $1,678 per year or a $139 monthly rate. American Family’s rate is 27% less expensive than Oregon’s average rates of $2,268 per year.

InsurerAnnual CostMonthly Cost
American Family$1,678$139
Progressive$1,723$143
State Farm$1,850$154
Oregon average$2,268$189

The average car insurance premium for an Oregon driver with a speeding violation is $2,258, or $421 more for auto insurance than a clean record driver. 

A minor speeding violation stays on Oregon driving records for two years. During those two years, the cost of car insurance can increase by 19%, according to the Oregon Driver & Motor Vehicle Services. 

Cheapest Insurance in Oregon For Drivers with an Accident

Country Financial offers the best rate for drivers with a recent at-fault accident in Oregon, with auto insurance premiums at $1,934 per year. That is $1,051 per year less than the average amount drivers pay ($2,985) for auto insurance coverage in Oregon.

InsurerAnnual CostMonthly Cost
Country Financial$1,934$161
State Farm$2,051$170
Wawanesa$2,374$197
Oregon average$2,985$248

The least expensive insurance coverage exists for people with clean driving records. Oregon auto insurance carriers will cover people with an accident. Oregon’s average rates for a person with a car accident on their driving record would be $2,985 per year, over $1,138 more than the average premium for full coverage.

Cheapest Auto Insurance in Oregon for Drivers with a DUI

Progressive offers the cheapest auto insurance rates for drivers in Oregon with a DUI in their driving history at $1,862 per year. The average rate for drivers with a DUI in Oregon is $2,860, and Progressive offers savings of $998 per year.

InsurerAnnual CostMonthly Cost
Progressive$1,862$155
State Farm$2,127$177
Oregon Mutual$2,561$213
Oregon average$2,860$238

According to the Oregon Health Authority, DUI offenders in Oregon will have driving privileges suspended for one year, a required ignition interlock device (IID) installed in their motor vehicle for one year, with the required defensive driving course, and 80 hours of community service. A drunk driving violation in Oregon can raise your car insurance premiums by 36% per year for 24 months.

Cheapest Car Insurance in Oregon for Drivers With Poor Credit

State Farm offers the least expensive insurance premiums for Oregon drivers with a poor credit score. State Farm provides a savings of over $772 per year or 31% less expensive, with an insurance premium of $1,798 per year for full coverage.

Progressive is the second cheapest car insurance option for a poor credit score at $1,954 per year or 24% cheaper than average Oregon poor credit rates.

InsurerAnnual CostMonthly Cost
State Farm$1,798$149
Progressive$1,954$162
Nationwide$2,231$185
Oregon average$2,570$214

We found drivers with a bad credit score pay 29% more for coverage in Oregon than those with good credit scores during our rate analysis. Make sure to pay your credit cards, student loans, and bills on time to find the best rates with Oregon car insurance. And keep an eye on your credit report.  

Cheapest Car Insurance in Oregon for Young Drivers

Younger drivers shopping for car insurance can find cheap rates in Oregon with GEICO, who provided our agents with a $3,165 per year quote for full coverage. GEICO’s rate is 43% cheaper than Oregon’s average young driver rate of $5,521 per year.

Teen drivers can find the cheapest insurance for minimum coverage in Oregon with Country Financial, which provided us with a $1,714 per year rate for an 18-year-old driver. 

InsurerFull CoverageMinimum Coverage
GEICO$3,165$1,890
USAA$3,378$1,587
Country Financial$3,481$1,714
State Farm$3,765$1,765
Farmers$4,438$2,087
Nationwide$5,176$2,548
Progressive$6,328$1,976
American Family$6,646$3,148
Liberty Mutual$7,894$3,033
Oregon average$5,521$2,353

*USAA is for qualified military members, their spouses, and direct family members. Coverage rates may vary depending on driver profiles.

A teen driver who recently received their driver’s license or has been driving for less than five years is a high-risk driver.

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They tend to get more traffic tickets and have more accidents. The cost to insure an Oregon driver under 21 is significantly higher than insuring a driver over 30 with a clean driving record.

Cheapest Insurance for Young Drivers with Speeding Tickets

Young or teen drivers in Oregon should compare auto insurance quotes with Nationwide Insurance company with a speeding ticket in their driving history. Nationwide provided our agents a quote at $5,176 per year or $431 per month.

Nationwide’s coverage rates are 17% less expensive than average rates for young Oregon drivers.  

InsurerAnnual CostMonthly Cost
Nationwide$5,176$431
GEICO$5,241$436
Country Financial$5,573$464
Oregon average$6,137$511

Cheapest Car Insurance for Young Drivers in Oregon with an Accident

According to our licensed agent’s rate analysis, younger drivers with an at-fault accident can find the cheapest car insurance quotes with Nationwide, with an average cost of $5,176 per year or $431 per month.

Nationwide’s insurance rate is 39% less expensive than Oregon’s $8,431 average rates for younger drivers with an at-fault accident.

InsurerAnnual CostMonthly Cost
Nationwide$5,176$431
Country Financial$5,208$434
GEICO$5,987$498
Oregon average$8,431$702

Best Auto Insurance Companies in Oregon

If we use the NAIC complaint index, J.D. Powers claims satisfaction study, and the average price for state minimum and full coverage, American Family (AmFam) and Country Financial are the best car insurance companies in Oregon. 

Sometimes getting the most affordable insurance company for the average driver isn’t the best for quality customer service for Oregon drivers. Depending on your assets and situation, you may need to compare insurance companies with higher than average customer service and satisfaction standards.

Auto Insurer% respondents satisfied with recent claim% respondents rated customer service as excellent
American Family86%50%
Liberty Mutual82%40%
USAA78%62%
Progressive74%34%
State Farm73%46%
Allstate72%47%
Farmers Insurance71%38%
GEICO64%42%

According to ValuePenguin, AmFam received the highest customer satisfaction ratings for Oregon car insurance. AmFam also received the highest satisfaction ratings from its customers for both claims satisfaction and an NAIC complaint index of 0.55, well below the national average of 1.00.

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If we take the National Association of Insurance Commissioners (NAIC) complaint index, J.D. Power claims satisfaction score, and A.M. Best financial strength ratings, the results are similar.

CompanyNAIC complaint indexJ.D. Power Claims SatisfactionAM Best Rating
PEMCO0.04n/aB++
Country Financial0.19863A+
Farmers0.51872A
American Family0.55861A++
Progressive0.59856A+
Allstate0.63876A+
State Farm0.66881A++
USAA0.68890A++
Liberty Mutual0.92870A
GEICO1.02871A++

Country Financial (0.19), Farmers Insurance (0.51), and AmFam (0.55) are the best car insurance companies with excellent financial strength, have a complaint ratio below the national average of 1.00 which means all three car insurance companies have fewer complaints relative to their market share. 

Average Car Insurance Costs by City in Oregon

An insurance company will use your zip code and many factors to determine your Oregon car insurance costs, as well as your credit score, marital status, type of motor vehicle, and past driving history. If you live in Oregon’s more urban areas, there is a higher chance of auto theft or being in an auto accident. Insurance companies will increase rates to account for such risk.

Cheapest Car Insurance in Portland, OR

Drivers in Portland can find the most affordable coverage with Country Financial with a $1,532 per year rate for our 30-year-old sample driver. A $1,532 quote from Country Financial is 30% cheaper than Portland, Oregon’s average car insurance rates.

Portland CompanyAverage Premium
Country Financial$1,532
State Farm$1,651
Progressive$1,680
Portland average$2,186

Cheapest Car Insurance in Salem, OR

State Farm offers cheap insurance for drivers in Salem who provided our licensed agents a quote at $1,388 per year or a $115 monthly rate. State Farm’s rate is 31% less expensive than average rates in Salem, Oregon. 

Salem CompanyAverage Premium
State Farm$1,388
Progressive$1,475
Travelers$1,734
Salem average$2,007

Cheapest Car Insurance in Eugene, OR

Eugene drivers can find cheap insurance with Progressive, who offered us a quote at $1,416 per year or a $117 monthly rate with $500 deductibles for comprehensive and collision insurance. Progressive’s insurance quote is 32% cheaper than Eugene’s average rates at $2,075 per year.

Eugene CompanyAverage Premium
Progressive$1,414
Country Financial$1,529
Travelers$1,811
Eugene average$2,075

Cheapest Car Insurance in Gresham, OR

Progressive Insurance offers cheaper car insurance for drivers in Gresham with a good driving record with quotes at $1,436 per year and 30% less expensive than average rates in Gresham. 

Gresham CompanyAverage Premium
Progressive$1,436
Country Financial$1,538
State Farm$1,571
Gresham average$2,042

Cheapest Auto Insurance in Hillsboro, OR

AutoInsureSavings.org licensed agents found that Hillsboro’s cheapest insurance rate is with State Farm, who provided us a quote at $1,327 per year for full coverage or 33% lower than average rates for drivers in Hillsboro, Oregon. 

Hillsboro CompanyAverage Premium
State Farm$1,327
American Family$1,400
Country Financial$1,526
Hillsboro average$1,964

Cheapest Auto Insurance in Beaverton, OR

Country Financial offers cheaper car insurance for drivers in Beaverton, Oregon, with a quote at $1,314 per year or a $109 monthly rate for a full coverage car insurance policy, which is 30% less expensive than the average rates in Beaverton.

Beaverton CompanyAverage Premium
Country Financial$1,314
American Family$1,375
GEICO$1,651
Beaverton average$1,855

Average Cost of Insurance for All Cities in Oregon

CityAnnual Premium CostCityAnnual Premium Cost
Portland$2,186Metzger$1,409
Salem$2,007Harrisburg$1,438
Eugene$2,075Toledo$1,460
Gresham$2,042Mount Angel$1,496
Hillsboro$1,964Hubbard$1,511
Beaverton$1,855Boardman$1,422
Bend$1,810Myrtle Creek$1,513
Medford$1,570Estacada$1,527
Springfield$1,619Oakridge$1,580
Corvallis$1,600Jefferson$1,458
Aloha$1,559Dundee$1,579
Albany$1,536Warm Springs$1,513
Tigard$1,538Three Rivers$1,422
Lake Oswego$1,675Nyssa$1,629
Keizer$1,579Bandon$1,409
Grants Pass$1,618Shady Cove$1,604
Oregon City$1,689Redwood$1,493
McMinnville$1,409North Plains$1,536
Redmond$1,422Jacksonville$1,438
Tualatin$1,493Eagle Crest$1,579
West Linn$1,619Sublimity$1,598
Bethany$1,604Burns$1,536
Woodburn$1,624Stanfield$1,547
Forest Grove$1,458Gervais$1,409
Wilsonville$1,513Dayton$1,422
Newberg$1,438Sisters$1,579
Roseburg$1,710Lakeview$1,614
Hayesville$1,409Myrtle Point$1,680
Klamath Falls$1,683Bunker Hill$1,653
Ashland$1,536Turner$1,438
Milwaukie$1,579Cave Junction$1,493
Happy Valley$1,702Willamina$1,731
Sherwood$1,680Gold Beach$1,710
Altamont$1,733Rogue River$1,513
Central Point$1,422Odell$1,458
Oak Grove$1,744La Pine$1,409
Canby$1,723Mulino$1,741
Cedar Mill$1,493John Day$1,536
Hermiston$1,659Union$1,604
Lebanon$1,680Carlton$1,579
Pendleton$1,513Rainier$1,493
Troutdale$1,409Vale$1,730
Four Corners$1,438Lincoln Beach$1,614
Coos Bay$1,710Waldport$1,733
Dallas$1,536Irrigon$1,680
The Dalles$1,729Enterprise$1,409
Oatfield$1,493Millersburg$1,422
St. Helens$1,458Harbor$1,736
La Grande$1,409Chenoweth$1,513
Cornelius$1,741Warren$1,738
Oak Hills$1,604Durham$1,493
Gladstone$1,579Merlin$1,438
Damascus$1,740Culver$1,733
Sandy$1,614Columbia City$1,409
Ontario$1,493Barview$1,737
Newport$1,742Brownsville$1,536
Monmouth$1,438Vernonia$1,458
Silverton$1,493Mill City$1,733
Cottage Grove$1,710Canyonville$1,579
Prineville$1,409Banks$1,422
Bull Mountain$1,680Depoe Bay$1,493
Rockcreek$1,493Lakeside$1,438
White City$1,513Stafford$1,409
Independence$1,536Bay City$1,776
Astoria$1,733Terrebonne$1,680
Baker City$1,727Amity$1,614
North Bend$1,409Clatskanie$1,748
Sweet Home$1,579Gearhart$1,515
Fairview$1,422Grand Ronde$1,493
Molalla$1,458New Hope$1,749
Eagle Point$1,438Cannon Beach$1,409
Florence$1,409Elgin$1,710
Cedar Hills$1,680Gold Hill$1,727
West Haven-Sylvan$1,604Tangent$1,740
Lincoln City$1,438Hines$1,579
Stayton$1,493Williams$1,749
Sutherlin$1,710Glide$1,536
Jennings Lodge$1,614Yamhill$1,438
Green$1,517Pilot Rock$1,680
Hood River$1,493Falls City$1,409
Scappoose$1,727Sunriver$1,458
Umatilla$1,422Cascade Locks$1,747
Milton-Freewater$1,409Yoncalla$1,733
Garden Home-Whitford$1,712Riddle$1,493
West Slope$1,438Athena$1,749
Madras$1,536Dunes City$1,614
Seaside$1,581Lowell$1,409
Talent$1,727Rose Lodge$1,579
Brookings$1,458Rockaway Beach$1,516
Raleigh Hills$1,493Siletz$1,426
Sheridan$1,579Donald$1,438
Junction City$1,680Adair Village$1,458
Deschutes River Woods$1,614Heppner$1,721
Warrenton$1,409Pacific City$1,493
Winston$1,604Lyons$1,680
Creswell$1,513Aurora$1,614
Tillamook$1,438Powers$1,680
Roseburg North$1,536Island City$1,409
Veneta$1,493Coburg$1,579
Philomath$1,426Halsey$1,664
Phoenix$1,458Maywood Park$1,536
Mount Hood Village$1,724Joseph$1,699
King City$1,543Ruch$1,727
Tri-City$1,438Lookingglass$1,493
Lafayette$1,727South Lebanon$1,724
Aumsville$1,680Metolius$1,614
Reedsport$1,604Chiloquin$1,513
Beavercreek$1,409Port Orford$1,424
Wood Village$1,540Scio$1,548
Crooked River Ranch$1,513Bayside Gardens$1,458
Coquille$1,422Malin$1,409

Minimum Car Insurance Requirements in Oregon

Drivers in Oregon must carry the state minimum auto insurance requirements for vehicle registration. State law mandates drivers have at least $25,000 per person and up to $50,000 per accident of bodily injury liability coverage. They also require at least $25,000 per accident of property damage liability coverage.   

Liability insuranceState minimum requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$20,000 per accident
Uninsured/Underinsured motorist bodily injury insurance$25,000 per person / $50,000 per accident
Personal injury protection (PIP)$15,000

Oregon is a no-fault state, so drivers must carry personal injury protection in their car insurance premiums along with uninsured motorist bodily injury coverage.

AutoInsureSavings.org licensed agents recommend buying coverage with higher liability limits with comprehensive and collision coverage in Oregon for the average driver with multiple assets, such as houses or multiple vehicles.

According to the Insurance Information Institute (III.org), we recommend higher uninsured motorist coverage limits since Oregon’s uninsured motorist rate is 10.2%.

Oregon Car Insurance FAQs

Who has the Cheapest Car Insurance in Oregon?

We found the top car insurance companies that offer the lowest Oregon driver’s average rates are Progressive at $543 per year, State Farm at $580 per year, and American Family at $715 per year for a state minimum car insurance policy for a 30-year-old with clean driving history.

How Much is Car Insurance in Oregon per Month?

On average, drivers pay around $77 per month for state minimum coverage in Oregon and $153 per month for full coverage insurance. Based on our research, State Farm, at $1,217 per year, is one of the state’s most affordable car insurance companies. Most driver’s average annual rate is around $924 per year for state minimums and $1,847 per year, including comprehensive and collision coverage.

How Much Is Full Coverage Car Insurance in Oregon?

On average, most drivers in Oregon pay for full coverage insurance is $153 per month or $1,847 per year. Oregon’s top insurance companies that offer the lowest rate for drivers interested in full coverage auto insurance policies include State Farm and Progressive. Both insurers provide auto insurance quotes 21% lower than average rates, depending on your driver profile. 

How do I Save on Car Insurance in Oregon?

There are many things drivers can do to help save money on their car insurance rates in Oregon. First, you will need to compare quotes from multiple insurance providers to find the right insurance company that offers the exact level of coverage in Oregon you need at the most affordable price.

Another thing drivers in Oregon can do to help them save more on their car insurance rates is to ask their auto insurance provider about a money-saving driver discount they may be eligible for. Many companies offer car insurance discounts for drivers who have multiple coverage policies with them or drivers who have no prior accidents or violations on their driving records. Consider Usage-Based car insurance, such as American Family’s KnowYourDrive Program. You can get long-term savings up to 20%, depending on your safe driving habits and driver behavior. 

To learn more about finding the best rates and car insurance options in Oregon, contact the experts at AutoInsureSavings.org. Our licensed professionals will be happy to answer any questions you have.

Methodology

AutoInsureSavings.org comparison shopping study used a full-coverage auto policy for a 30-year-old driving a 2018 Honda Accord in Oregon with the following coverage limits:

Coverage typeStudy limits
Bodily liability$50,000 per person/$100,000 per accident
Property damage$25,000 per accident
Personal injury protection$10,000
Uninsured motorist bodily injury & underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

We used car insurance rates for drivers in Oregon with accident histories, credit scores, and marital status for other rate analyses. We used insurance rate data from Quadrant Information Services, which are publicly available for comparative purposes only. Your auto insurance rates will vary when you get quotes.

Sources 

– Oregon Division of Financial Regulation. “A consumer’s guide to auto insurance.”
– Oregon DMV. “Minimum Insurance Requirements.”
– National Highway Traffic Safety Administration. “Traffic Safety Facts.”
– National Association of Insurance Commissioners. “Market Share Reports for Property/Casualty Groups and Insurance Companies.”
– Oregon.gov. “Oregon Driver & Motor Vehicle Services.”

Jaime Arias

Jaime Arias

Jaime Arias is a licensed insurance agent, co-owner, and editor of AutoInsureSavings.org with a family history in developing insurance businesses. Also, he has a mechanical engineering degree and a master's of business administration (MBA) from Harvard University. Jaime has experience in digital marketing, directing marketing methods online for businesses in the insurance industry.

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