Cheap Car Insurance Oregon

Our research found that car insurance in Oregon is far cheaper than the national average. This means Oregon drivers have a good chance of finding great car insurance in the state at excellent rates.

We’ll look at the cheapest car insurance companies and coverage options in the Beaver State in further detail below.

Cheapest Car Insurance Companies in Oregon

State Farm, USAA, Progressive and Pemco are the cheapest car insurance companies in Oregon. Each of these companies provides affordable car insurance and an array of coverage options for drivers.

Cheapest Oregon Car Insurance Companies	Overall Rating	Coverage Rating	Cost Rating	% of Discounts Offered	Learn More
State Farm Learn More	9.4	9.2	9.3	16	Learn More
USAA Learn More	9.2	9.5	9.7	9	Learn More
Progressive Learn More	9.0	9.5	7.8	16	Learn More
Pemco Insurance	8.7	8.9	9.7	17

Cheapest Oregon Car Insurance Companies	Overall Rating	Coverage Rating	Cost Rating	% of Discounts Offered	Learn More
State Farm Learn More	9.4	9.2	9.3	16	Learn More
USAA Learn More	9.2	9.5	9.7	9	Learn More
Progressive Learn More	9.0	9.5	7.8	16	Learn More
Pemco Insurance	8.7	8.9	9.7	17

*Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in Oregon.

Since car insurance companies have different calculation methods for premiums, no two car insurance quotes are the same. For this reason, we recommend comparing car insurance quotes from multiple providers to find the cheapest car insurance in Oregon.

Cheap Car Insurance Coverage in Oregon

The coverage level you choose can have a significant impact on your car insurance rates. Most auto insurance providers include estimates for minimum liability and full coverage car insurance. While minimum liability is all that is required, it’s a good idea to consider full coverage auto insurance.

Below, we provide the cheapest auto insurance options in Oregon for both coverage types.

Cheapest Liability Car Insurance Oregon

According to our rate estimates, State Farm is the cheapest liability car insurance provider in Oregon, costing $46 per month or $557 per year. USAA, Country Financial, Geico and Travelers are also solid coverage options in the Beaver State.

Cheapest Full Coverage Car Insurance Oregon

At $101 per month or $1,210 per year, State Farm provides the cheapest full coverage car insurance in Oregon on average. Motorists can also find affordable car insurance through USAA, Geico and Country Financial.

These rates are based on a 35-year-old driver with good credit and a clean driving history. Your rates will vary depending on a number of factors.

Age, driving history and credit score are all factors that can affect the price you pay for car insurance. We compare cheap car insurance estimates for Oregon drivers in these categories below.

Cheapest Car Insurance for Young Drivers in Oregon

Young Oregon drivers pay substantially more for car insurance than older drivers in the state. That’s because older drivers tend to have years of driving experience — making them less of a liability in the eyes of insurance companies.

The tables below show the cheapest car insurance for young drivers in Oregon, along with estimated monthly and annual costs.

Cheapest Oregon Car Insurance for 16-Year-Olds

Country Financial typically has the lowest rates on car insurance for 16-year-old drivers in Oregon, with an average estimate of $3,142 per year, or $262 per month. The average estimate for Oregon drivers at 16 is $8,403 per year or $700 per month.

Cheapest Oregon Car Insurance for 17-Year-Olds

For 17-year-old drivers in Oregon, Country Financial tends to offer the cheapest rates at an estimated $2,456 per year, or $205 per month. The average estimate for these teen drivers is $5,125 per year or $427 per month. This is 284% more expensive than the average estimate for the state.

*Costs were taken from 2022 information.

Cheapest Oregon Car Insurance for 18-Year-Olds

Country Financial typically has the cheapest car insurance for 18-year-old drivers in Oregon at an estimated $2,168 per year, or $181 per month. The average rate in Oregon for an 18-year-old driver is $4,411 per year, or $368 per month. This is 231% higher than the average estimate for the state.

*Costs were taken from 2022 information.

Cheapest Oregon Car Insurance for 21-Year-Olds

In Oregon, 21-year-old drivers typically get the cheapest insurance policy rates with Geico at an estimated $1,516 per year or $126 per month. The average estimate in Oregon for 21-year-old drivers is $2,178 per year or $182 per month. This is 63% more expensive than the average rate for the state.

*Costs were taken from 2022 information.

Cheapest Oregon Car Insurance for 25-Year-Olds

State Farm tends to offer the cheapest car insurance in Oregon for 25-year-old drivers at an estimated $1,381 per year, or $115 per month. The average insurance estimate for 25-year-old Oregon drivers is $2,141 per year or $178 per month. 

Cheapest Oregon Car Insurance for High-risk Drivers

Age and location will definitely affect your car insurance rates, but insurers also consider information about factors like your driving history and credit score when calculating your premiums. 

Cheapest Oregon Car Insurance for Drivers With a Speeding Ticket

A speeding ticket on your driving record will likely boost your car insurance premiums in Oregon to about $2,480 per year.

Cheapest Oregon Car Insurance for Drivers With a Recent Accident

Anyone with a recent at-fault accident in their driving history will pay steep rates for Oregon auto insurance. These annual premium costs typically come out to around $2,945 for Beaver State drivers.

Cheapest Oregon Car Insurance for Drivers With a DUI

A driving under the influence (DUI) violation will mark you as a high-risk driver in the eyes of insurance providers, so expect higher prices for an auto insurance plan. Full coverage car insurance in Oregon comes out to around $2,811 per year for drivers with a DUI on their record.

It’s extremely difficult to find affordable car insurance in Oregon if you have a bad credit score. Most drivers in the Beaver State who currently have poor credit will face an average rate of $3,215 per year.

Car Insurance Deals in Oregon

Drivers can benefit from a variety of discounts from most car insurance companies in Oregon. The table below shows which car insurance discounts the best cheap car insurance companies in Oregon provide, which we’ll explain in further detail below.

*These are the standard car insurance discounts offered by each company. Discount availability can vary by state, so you’ll need to speak with an insurance agent to find out which car insurance discounts you may qualify for.

Car Insurance Discounts in Oregon

Oregon motorists can save on their insurance premiums by utilizing the discounts that they are eligible for. As you’re shopping around for car insurance, remember to look for providers that offer the best discounts for your situation. You can also speak with your insurance agent to see if there are any discount opportunities that you are missing out on.

Here’s more information on the standard types of discounts offered by the best car insurance companies:

• Multi-policy: Bundling home and auto or other insurance policies will help you save
• Multi-vehicle: You can save by insuring multiple vehicles or combining your policy with a friend or family member
• Military: Both veterans and active military members can save with this discount
• Senior: Usually applies to policyholders who are 55 and older
• Homeowners: If you pay a mortgage, you may qualify for this discount
• Good student: Usually for college and high school students under 25 who maintain a B average in their courses
• Good driver: Applies to drivers with a clean driving record (those who have no at-fault accidents, DUIs, or speeding tickets in the last three years)
• Defensive driving: Those who take a defensive driving course tend to qualify for this discount
• Driver training: Get a discount by taking a driver education training course
• New car: Given to drivers who purchase a new car, typically three model years or newer
• Safe car: Applies if your vehicle has safety features like anti-theft technology
• Paperless: Receive a discount by opting to receive your documents through email
• Pay-in-full: Pay your policy in full up-front to save with this discount

For those who would like to know about the cheapest auto insurance in the Beaver State, the sections below contain more detailed information: 

According to our data, the average cost of car insurance in Oregon is $1,925 per year, or $111 per month for full coverage, based on the standardized profile of a 35-year-old driver with good credit and a clean driving record. This is 4% cheaper than the national average rate of $2,008 per year.

Here’s a look at how Oregon car insurance costs compare with other states in the nation:

When it comes to minimum liability coverage, the average for Oregon drivers is $953 per year or $79 per month. This is 52% more expensive than the national average rate estimate for minimum coverage.

Oregon Auto Insurance Cost by Age

Age is perhaps the single most influential factor in what you pay for auto coverage. Middle-aged drivers typically have access to the cheapest car insurance in Oregon. Young drivers and especially teens pay significantly more for auto insurance.

In the table below, you’ll see the average estimates for Oregon drivers under the age of 30.

Oregon Auto Insurance Cost by City

Car insurance rates vary in Oregon between different cities, towns and ZIP codes. Different parts of the state have different risk factors associated with them, so insurers adjust their rates accordingly. That’s why your friend in Bend may pay different rates for car insurance than you do in Salem, even if all other factors are the same.

The table below shows the average car insurance estimates for the 25 most-populated cities and towns in Oregon.

Factors that Affect Car Insurance Quotes Oregon

When you shop for car insurance quotes online, your rates will be different from the estimates listed in this article. Insurance providers tailor their rates to individuals by factoring in several variables about you and your vehicle.

Here are some of the factors with the biggest impact on your insurance rates:

• Location
• Vehicle
• Vehicle condition
• Age
• Gender listed on your driver’s license
• Driving history
• Credit score

Oregon is an at-fault state for auto insurance, so the driver who causes a car crash must pay for all damages involved. Like most at-fault locations, the Beaver State has below-average costs for full coverage car insurance.

Oregon Minimum Car Insurance Requirements

Oregon law dictates that each motorist must either meet or exceed the state minimum coverage requirements. Below, we’ll outline the coverage that’s needed if you live in the Beaver State.

• Bodily injury liability insurance: $25,000 per person and $50,000 per accident
• Property damage liability coverage: $20,000 per accident
• Uninsured motorist bodily injury coverage: $25,000 per person and $50,000 per accident
• Personal injury protection (PIP): $15,000 per person

Oregon drivers don’t need to purchase underinsured or uninsured motorist coverage to meet the car insurance coverage limits set by the state’s Department of Motor Vehicles (DMV). However, policies that only satisfy minimum requirements may not be enough to cover damages in an accident, leaving you at financial risk.

Drivers who wish to insulate themselves from such risk can purchase additional coverage types. Options such as comprehensive insurance and collision coverage can protect your financial health in the event of a major accident.

How To Get Insurance in Oregon

One of the best ways to get cheap car insurance in Oregon is by comparing car insurance quotes from various providers. This will allow you to find the best prices and coverage for your situation before landing on your final choice.

Make sure to look at State Farm, USAA, Nationwide and Progressive if you’re in the market for the cheapest car insurance in Oregon. These companies provide affordable car insurance, various coverage options and strong customer service in the Beaver State.

Cheap Car Insurance in Oregon: FAQ

Below are frequently asked questions about cheap car insurance in Oregon:

Our Methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

• Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
• Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
• Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
• Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
• Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials:

• 800 hours researched
• 45 companies reviewed
• 8,500+ consumers surveyed

*Data accurate at time of publication.