Cheapest Car Insurance in Oregon (2024)
State Farm has the best cheap car insurance in Oregon, at $104 per month for full coverage.
Find Cheap Auto Insurance Quotes in Oregon
Best cheap car insurance companies in Oregon
How we chose the top companies
Best and cheapest car insurance in Oregon
- Cheapest full coverage: State Farm, $104/mo
- Cheapest minimum liability: State Farm, $54/mo
- Cheapest for young drivers: Country Financial, $112/mo
- Cheapest after a ticket: State Farm, $111/mo
- Cheapest after an accident: State Farm, $130/mo
- Cheapest for teens after a ticket: Country Financial, $152/mo
- Cheapest after a DUI: American Family, $176/mo
- Cheapest for poor credit: Country Financial, $212/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm offers the best mix of cheap rates and great customer service in Oregon.
American Family is also a good choice. It has reliable customer service, but it's typically more expensive than State Farm. While Country Financial also has cheap rates, its customer service reviews aren't good.
Cheapest car insurance in Oregon for full coverage: State Farm
State Farm offers the cheapest rate for full coverage insurance in Oregon, at $104 per month. That's about 41% cheaper than the state average.
On average, full coverage auto insurance in Oregon costs $176 per month. That's $85 more per month than a minimum coverage policy.
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Cheap auto insurance in Oregon for full coverage
Company | Monthly rate | |
|---|---|---|
| State Farm | $104 |
| Country Financial | $130 |
| American Family | $136 |
| Progressive | $150 |
| Travelers | $190 |
*USAA is available only to current and former military members and their families.
Cheap car insurance in Oregon for liability only: State Farm
State Farm has the cheapest liability only auto insurance in Oregon. At $54 per month, its rate is roughly 40% less than the state average.
The average cost of car insurance in Oregon is $91 per month, or $1,092 per year, for minimum coverage insurance.
Cheap Oregon car insurance companies for liability only
Company | Monthly rate |
|---|---|
| State Farm | $54 |
| Country Financial | $58 |
| Progressive | $68 |
| American Family | $88 |
| Travelers | $96 |
*USAA is available only to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Oregon
Cheap car insurance in Oregon for young drivers: Country Financial
Country Financial has the cheapest car insurance in Oregon for teen drivers.
A minimum coverage policy from Country Financial costs $112 per month for an 18-year-old driver. That's $158 less per month than the average rate for young drivers in Oregon, which is $270 per month. At $250 per month, full coverage from Country Financial is $291 less per month than the Oregon average.
Cheapest Oregon auto insurance companies for teens
Company | Liability only | Full coverage |
|---|---|---|
| Country Financial | $112 | $250 |
| State Farm | $158 | $305 |
| American Family | $187 | $288 |
| Geico | $211 | $457 |
| Travelers | $259 | $528 |
Young drivers usually pay higher insurance rates than adult drivers because they're statistically more likely to cause an accident. In Oregon, an 18-year-old driver can expect to pay three times more for car insurance than a 30-year-old.
If you've already compared car insurance from multiple companies and still need to get your rate down, there are a few things you can try.
- Consider sharing a policy with your parents. A combined insurance policy will increase your parents' rates, but it can save you around 62% versus buying separate policies.
- Research discounts. Most insurance companies have a list of discounts for which you may already qualify. There are discounts for attending safe driving classes, installing anti-theft devices in your car or getting good grades in school.
Cheapest car insurance in Oregon with a ticket: State Farm
State Farm has the least expensive car insurance rates in Oregon for drivers who have a speeding ticket. The company's average rate for a full coverage policy is $111 per month. That's an increase of only $7 per month compared to a driver with a clean history. And it's about half the state average for a driver with a ticket, which is $226 per month.
Cheapest Oregon auto insurance for drivers with a ticket
Company | Monthly rate |
|---|---|
| State Farm | $111 |
| Country Financial | $172 |
| American Family | $176 |
| Progressive | $202 |
| Travelers | $245 |
In Oregon, a single speeding ticket increases insurance rates by 28%, on average.
Cheap car insurance in Oregon after an accident: State Farm
State Farm also has the most affordable full coverage quote for drivers with an accident history, at $130 per month. Rates for Oregon drivers who have caused an accident average $274 per month. But coverage from State Farm is typically less than half that price.
Most affordable car insurance in Oregon after an accident
Company | Monthly rate |
|---|---|
| State Farm | $130 |
| Country Financial | $191 |
| American Family | $210 |
| Progressive | $246 |
| Travelers | $272 |
Average quotes for a full coverage policy increase by about $98 a month after an at-fault accident. However, every insurance company treats an accident differently. The most expensive company, Allstate, increases rates by $197 per month, on average. At the same time, State Farm raises rates by an average of just $26 per month.
Cheapest car insurance for young drivers after a ticket or accident: Country Financial
Country Financial has the best rates for young Oregon drivers with a speeding ticket or at-fault accident.
Minimum coverage auto insurance for Oregon 18-year-olds with a speeding ticket costs $152 per month from Country Financial. That's less than half the state average overall.
Country Financial's average rate for young drivers with an at-fault accident is $172 per month. That rate is 54% lower than the average in Oregon.
Cheap quotes for Oregon teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Country Financial | $152 | $172 |
| State Farm | $172 | $205 |
| American Family | $225 | $286 |
| Geico | $273 | $358 |
| Travelers | $320 | $363 |
An 18-year-old driver with a speeding ticket can expect to pay 23% more for car insurance than a young driver with a clean record in Oregon. The average rate goes up by 37% in Oregon after an 18-year-old driver gets into an at-fault accident.
Cheap car insurance in Oregon after a DUI: American Family
American Family offers the cheapest quote for Oregon drivers with a DUI (driving under the influence conviction), at $176 per month for full coverage, on average. Progressive also has affordable DUI quotes, at $187 per month.
Best price for Oregon car insurance after a DUI
Company | Monthly rate |
|---|---|
| American Family | $176 |
| Progressive | $187 |
| Country Financial | $200 |
| State Farm | $209 |
| Travelers | $290 |
A DUI is a serious crime that comes not only with legal consequences, but also serious financial repercussions. Oregon drivers with a DUI pay an average of 57% more for a full coverage car insurance policy than drivers with a clean record.
In addition, drivers in Oregon may have to get SR-22 insurance after a DUI, which can increase your costs even more.
Cheapest Oregon auto insurance for drivers with poor credit: Country Financial
Country Financial offers the best rates for Oregon drivers with a low credit score or no credit history. A full coverage policy from Country Financial costs $212 per month, which is 39% cheaper than the state average.
Best car insurance in Oregon if you have poor credit
Company | Monthly rate |
|---|---|
| Country Financial | $212 |
| American Family | $242 |
| Progressive | $255 |
| Geico | $323 |
| Travelers | $344 |
Your credit score doesn't have anything to do with your ability to drive a car. But drivers with bad credit are statistically more likely to file claims. Auto insurance for Oregon drivers with poor credit is nearly double the cost for drivers with good credit.
Best car insurance companies in Oregon
USAA is the best-rated insurance in Oregon, based on its reputation for great customer service, affordable quotes and availability.
However, USAA car insurance is available only to current and former military members and their families.
State Farm is a good option for drivers who can't get USAA, with good customer service and some of the lowest rates in the state.
Top insurance companies in Oregon
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Geico | 835 | A++ | |
| American Family | 838 | A | |
| Travelers | 829 | A++ |
Choosing a car insurance company with a great reputation is as important as finding the cheapest quotes.
The quality of service you get is especially important if you ever have to file a claim. A company with dependable customer service can help you get back on the road quickly after an accident. Bad service can make the claims process stressful, and you could end up paying more out of pocket.
Average cost of car insurance in Oregon by city
Baker City, a small city in the eastern part of Oregon, has the cheapest average rates in the state, at $153 per month for full coverage.
Drivers in Gresham, a suburb of Portland, pay the highest average rate in the state, at $235 per month.
Auto insurance quotes in Oregon vary by $82 per month for a full coverage policy, depending on where you live.
Average car insurance quotes in Oregon by city
City | Monthly Rate | % from average |
|---|---|---|
| Adams | $160 | -9% |
| Adel | $162 | -8% |
| Adrian | $160 | -9% |
| Agness | $161 | -9% |
| Albany | $158 | -10% |
Minimum auto insurance requirements in Oregon
Drivers in Oregon must have a minimum amount of bodily injury and property damage insurance to drive legally, which is sometimes written as 25/50/20. Drivers in Oregon are also required to have matching uninsured motorist bodily injury limits, as well as $15,000 of personal injury protection (PIP).
Coverage | Limits |
|---|---|
| Bodily injury liability | $25,000 per person/$50,000 per accident |
| Property damage liability | $20,000 |
| Uninsured motorist bodily injury | $25,000 per person/$50,000 per accident |
| Personal injury protection (PIP) | $15,000 |
Oregon is unique in that it isn’t a no-fault state, but it does require drivers to carry personal injury protection insurance as part of its minimum coverage requirements.
But Oregon's minimum required coverage is not usually enough for most people. It's enough to drive legally, but not always enough to protect your finances. If you’re in an accident, minimum coverage may not be enough to cover all of the damage. That means you could be left with expensive bills to pay yourself. Most Oregon drivers should strongly consider higher liability coverage limits.
What's the best car insurance coverage in Oregon?
Drivers in Oregon should probably buy higher liability limits, and most should consider a full coverage policy.
Higher liability limits give you more protection if you cause an accident, so you don't have to pay out of your own pocket for the repairs and injuries you cause.
Full coverage car insurance includes liability coverage as well as comprehensive and collision coverages.
Collision coverage pays for damage to your own car when you're in an accident, even if you aren't at fault. Comprehensive coverage pays for damage resulting from events beyond your control, like hail or theft. Both coverage types are typically required with a car loan or lease.
For this reason, most drivers in Oregon should strongly consider a full coverage auto insurance policy rather than minimum coverage.
Frequently asked questions
What is the cheapest car insurance in Oregon?
State Farm has the best car insurance rates in Oregon, at $54 per month for a state-minimum policy and $104 per month for full coverage insurance.
How much is car insurance in Oregon?
Car insurance in Oregon costs $91 per month for state-minimum coverage and $176 per month for a full coverage policy, on average.
What is the minimum auto insurance coverage in Oregon?
Oregon drivers need at least $25,000 per person and $50,000 per accident of bodily injury liability coverage, the same amounts in uninsured motorist protection, $20,000 of property damage liability and $15,000 of personal injury protection insurance.
How much is car insurance in Portland?
The average car insurance quote in Portland is around 23% higher than the state average, at $217 per month for a full coverage policy. The Portland suburb of Gresham has the most expensive car insurance rate in Oregon, at $235 per month.
Methodology
We collected thousands of rates from ZIP codes across Oregon for the state's largest insurers. Unless otherwise noted, rates are for a 30-year-old man with good credit who drives a 2015 Honda Civic EX.
Full coverage quotes include the following limits:
- Bodily injury liability: $50,000 per person/$100,000 per accident
- Property damage liability: $25,000 per accident
- Personal injury protection (PIP): $15,000
- Uninsured/underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.