Best and Cheapest Car Insurance in Oregon (Big Savings With These 10 Companies in 2024!)
The top picks for the best and cheapest car insurance in Oregon are USAA, State Farm, and Progressive, which offer comprehensive insurance coverage.
Our in-depth review covers a range of car insurance options and discounts available in the state, helping you make informed choices and lower your premiums.
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 |
#1 | $30 | A++ | Military Members | USAA |
 |
#2 | $38 | B | Customer Service | State Farm |
 |
#3 | $39 | A+ | Qualifying Coverage | Progressive |
 |
#4 | $47 | A++ | Cheap Rates | Geico |
 |
#5 | $49 | A++ | Bundling Policies | Travelers |
 |
#6 | $54 | A | Loyalty Rewards | American Family |
 |
#7 | $56 | A+ | Widespread Availability | Nationwide |
 |
#8 | $57 | A | Safe-Driving Discounts | Farmers |
 |
#9 | $71 | A | Add-On Coverages | Liberty Mutual |
 |
#10 | $78 | A+ | Infrequent Drivers | Allstate |
Whether you're a new driver or looking to change providers, this information will assist you in finding the best coverage at the most affordable rates. Explore the competitive rates and various discounts from leading insurers to secure the ideal car insurance in Oregon.
See if you’re getting the best deal on car insurance by entering your ZIP code above.
What You Should Know
- USAA is the top pick overall, with rates starting at $30/month
- Find the best and cheapest car insurance in Oregon tailored to local needs
- Explore Oregon-specific discounts to maximize savings on premiums
On this page:
- USAA: Top Overall Pick
- State Farm: Best for Customer Service
- Progressive: Best for Qualifying Coverage
- Geico: Best for Cheap Rates
- Travelers: Best for Bundling Policies
- American Family: Best for Loyalty Rewards
- Nationwide: Best for Widespread Availability
- Farmers: Best for Safe-Driving Discounts
- Liberty Mutual: Best for Add-On Coverages
- Allstate: Best for Infrequent Drivers
- Unlocking Affordable Car Insurance in Oregon
- Cheapest Teen Car Insurance Rates in Oregon
- Cheapest Car Insurance Rates for Married Couples in Oregon
- Cheapest Senior Car Insurance Rates in Oregon
- Cheapest areas in Oregon for car insurance
- Most expensive areas in Oregon for car insurance
- Minimum car insurance coverage and limits in Oregon
- Factors Car Insurance Providers Consider When Setting Rates in Oregon
- Ways to Save Money on Your Car Insurance in Oregon
- Clearsurance Rates and Ranks the Best Car Insurance Companies in Oregon
- Comprehensive Guide to Car Insurance in Oregon
#1 – USAA: Top Overall Pick
Pros
- Affordable Rates: USAA consistently offers competitive rates, ideal for budget-conscious drivers in Oregon.
- Excellent Customer Service: Renowned for high customer satisfaction, USAA provides reliable and responsive service. Explore our USAA customer reviews to learn more.
- Comprehensive Coverage Options: Offers a wide range of coverage, including specialized options for military families.
Cons
- Eligibility Restrictions: Available only to military members, veterans, and their families, excluding many residents.
- Limited Physical Locations: Fewer branches compared to other insurers, which may inconvenience those preferring in-person service.
#2 – State Farm: Best for Customer Service
Pros
- Wide Availability: Numerous local agents and offices across Oregon for convenient in-person service.
- Affordable Teen Rates: Offers some of the lowest rates for teen drivers in Oregon.
- Strong Financial Stability: Highly rated for financial strength, ensuring reliability in claim payouts.
Cons
- Higher Full Coverage Costs: Full coverage rates can be higher compared to other providers.
- Average Customer Service: Mixed reviews on customer service experiences, with some reporting inconsistent service quality. For more insights, check out our State Farm insurance customer reviews.
#3 – Progressive: Best for Qualifying Coverage
Pros
- Competitive Rates: Known for offering affordable rates, especially for senior drivers.
- Innovative Tools: Provides user-friendly tools like the Name Your Price tool to help customize policies.
- Variety of Discounts: Extensive discount options, including for multi-policy and safe drivers.
Cons
- Mixed Customer Satisfaction: Customer service and claims handling receive mixed reviews. Discover more in our Progressive insurance customer reviews.
- Higher Rates for High-Risk Drivers: Rates can be higher for drivers with previous incidents.
#4 – Geico: Best for Cheap Rates
Pros
- Low Rates for Married Couples: Car insurance companies for married couples offer the cheapest rates for married drivers in Oregon.
- User-Friendly Website: Easy-to-use online tools for quotes and policy management.
- Wide Range of Discounts: Provides numerous discounts, including for good students and military.
Cons
- Limited Local Agents: Fewer local offices, which may not be ideal for those who prefer face-to-face interactions.
- Average Claims Experience: Some customers report delays in the claims process.
#5 – Travelers: Best for Bundling Policies
Pros
- Strong Coverage Options: Offers a variety of coverage types, including options for additional protection.
- Good Discounts: Provides discounts for safe drivers, multi-policy holders, and early shoppers.
- Financial Strength: High financial stability, ensuring reliable claims payments.
Cons
- Higher Premiums: Generally higher rates compared to other insurers.
- Average Customer Service: Customer service reviews are mixed, with some customers reporting unsatisfactory experiences. Delve into our Travelers companies, inc. customer reviews for detailed feedback.
#6 – American Family: Best for Loyalty Rewards
Pros
- Good Student Discounts: Offers significant discounts for good students and young drivers.
- Telematics Program: Provides a telematics program to help reduce premiums based on driving habits.
- Multi-Policy Savings: Excellent discounts for bundling multiple insurance policies. View our American Family insurance customer ratings for more details.
Cons
- Limited Availability: Fewer local agents and offices compared to other major insurers.
- Average Online Tools: Website and app functionalities are not as advanced as some competitors.
#7 – Nationwide: Best for Widespread Availability
Pros
- Comprehensive Coverage: Wide range of coverage options and customizable policies.
- Strong Customer Service: Generally positive reviews for customer service and support. See our Nationwide customer reviews for comprehensive feedback.
- Usage-Based Discounts: Offers SmartRide program for additional discounts based on driving behavior.
Cons
- Higher Rates: Premiums can be higher compared to other budget-friendly options.
- Fewer Local Agents: Limited local presence may not suit those who prefer in-person interactions.
#8 – Farmers: Best for Safe-Driving Discounts
Pros
- Customizable Policies: Offers a variety of coverage options and add-ons.
- Good Discounts: Provides several discounts, including for homeowners and multi-policy holders.
- Local Agents: Strong network of local agents for personalized service.
Cons
- Higher Premiums: Generally higher rates compared to other insurers.
- Average Customer Satisfaction: Mixed reviews on claims handling and customer service. Take a look at our Farmers Insurance Group customer reviews to learn more.
#9 – Liberty Mutual: Best for Add-On Coverages
Pros
- Variety of Coverage Options: Offers extensive coverage options and add-ons.
- Good Discounts: Provides discounts for multi-policy holders, safe drivers, and early shoppers.
- Online Tools: Strong online presence with user-friendly tools for policy management.
Cons
- Higher Rates: Premiums can be higher compared to competitors.
- Mixed Customer Reviews: Variable customer service experiences reported. Check out our Liberty Mutual insurance customer reviews for detailed insights.
#10 – Allstate: Best for Infrequent Drivers
Pros
- Strong Coverage Options: Comprehensive coverage options, including add-ons and customizations.
- Good Student Discounts: Offers discounts for good students and teen drivers.
- Local Agents: Wide network of local agents for personalized service.
Cons
- Higher Premiums: Generally higher rates than other providers.
- Average Customer Service: Mixed reviews on customer service and claims handling. Read more in our Allstate customer reviews to understand user experiences.
Unlocking Affordable Car Insurance in Oregon
Navigating car insurance options in Oregon can be daunting, but it's entirely possible to find affordable rates. Delve into various car insurance choices and discounts available in the state, enabling you to make informed decisions and reduce your premiums. Whether you're a first-time driver or considering a switch, these insights on the best and cheapest car insurance companies will assist you in securing optimal coverage at the best price.
The table provides monthly car insurance rates from various companies in Oregon, considering demographics such as age, driving history, and vehicle type. It compares the cost for minimum and full coverage to help drivers make cost-effective decisions.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $78 | $153 |
| American Family | $54 | $106 |
| Farmers | $57 | $111 |
| Geico | $47 | $93 |
| Liberty Mutual | $71 | $141 |
| Nationwide | $56 | $111 |
| Progressive | $39 | $78 |
| State Farm | $38 | $75 |
| Travelers | $49 | $97 |
| USAA | $30 | $58 |
Explore the most cost-effective car insurance options for both minimum and full coverage in Oregon. USAA stands out with the lowest rates, offering minimum coverage at $30 and full coverage at $58. State Farm follows with $38 for minimum and $75 for full coverage.
Progressive and Geico also present competitive rates, making them excellent options for budget-conscious drivers. On the pricier side, Liberty Mutual and Allstate have higher premiums but might provide additional benefits that justify the cost. Select the best provider that meets your needs from a diverse range of reputable companies.
Leading car insurance providers in Oregon offer numerous discounts to help you save on your premiums. Companies like Allstate, American Family, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, Travelers, and USAA provide discounts for good students, multi-policy, safe drivers, and more. Additional discounts, varying by provider, include homeowner, new vehicle, paperless, and early shopper. Utilize these discounts to maximize your savings.
Cheapest Teen Car Insurance Rates in Oregon
State Farm offers the cheapest new driver car insurance option for female teen drivers, while GEICO is the cheapest for male teen drivers in Oregon on average. Seen often as inexperienced drivers, teens may not have the most affordable rates given to them immediately.
This is based on average rates for the five largest auto insurance companies in Oregon. The table below compares the rates between the top insurance companies in Oregon.
| Insurance Company | Age: 18 Female | Age: 18 Male |
|---|---|---|
| Allstate | $177 | $280 |
| American Family | $139 | $219 |
| Farmers | $345 | $350 |
| Geico | $134 | $117 |
| Liberty Mutual | $220 | $238 |
| Nationwide | $152 | $192 |
| Progressive | $300 | $335 |
| State Farm | $125 | $157 |
| Travelers | $144 | $176 |
| USAA | $91 | $98 |
These rates are based on profiles for 18-year-old male and female drivers in Oregon. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Oregon will differ. Rate data is provided by Quadrant Information Services.
Cheapest Car Insurance Rates for Married Couples in Oregon
USAA offers the cheapest car insurance rates for married drivers in Oregon compared to other popular companies. Mentioning your marital status can save you money on your annual cost. Consider the best car insurance companies for married couples for specific benefits and discounts.
The table compares monthly car insurance rates for married couples in Oregon, factoring in the specifics of two drivers with two vehicles on the policy, vehicle types, coverage limits, and driving histories to provide targeted financial insights for married drivers seeking optimal insurance solutions.
| Insurance Company | Married Couple Rates |
|---|---|
| Allstate | $89 |
| American Family | $58 |
| Farmers | $73 |
| Geico | $50 |
| Liberty Mutual | $71 |
| Nationwide | $74 |
| Progressive | $54 |
| State Farm | $51 |
| Travelers | $53 |
| USAA | $42 |
These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had one driving incident within the past three years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Oregon will differ. Rate data is provided by Quadrant Information Services.
Cheapest Senior Car Insurance Rates in Oregon
Among the top five largest insurers in Oregon, Progressive provides the cheapest car insurance rates for male and female senior drivers on average. For a driver who needs to watch their spending, finding the lowest average cost is vital. Auto policies can be expensive, so comparing companies is important when searching for the best car insurance for senior drivers.
The table presents monthly car insurance rates for senior drivers aged 65 in Oregon, comparing costs between male and female profiles. It considers factors such as vehicle type, coverage limits, driving history, and credit scores to provide accurate financial guidance for seniors seeking the best insurance rates.
| Insurance Company | Age: 65 Female | Age: 65 Male |
|---|---|---|
| Allstate | $83 | $77 |
| American Family | $53 | $53 |
| Farmers | $58 | $56 |
| Geico | $48 | $47 |
| Liberty Mutual | $67 | $70 |
| Nationwide | $56 | $55 |
| Progressive | $43 | $39 |
| State Farm | $37 | $37 |
| Travelers | $48 | $48 |
| USAA | $30 | $29 |
These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Oregon will differ. Rate data is provided by Quadrant Information Services.
Cheapest areas in Oregon for car insurance
Where you live is a large factor that helps determine the cost of your auto coverage rates. You can still find competitive rates among insurers in your location, but by being aware that price varies based on locale, a savvy driver can hunt for the cheapest options. Additionally, understanding when to file a car insurance claim can help you manage your insurance costs effectively.
The table lists monthly car insurance rates across different cities in Oregon for a 35-year-old single adult, highlighting cost variations based on location. It considers vehicle type, coverage limits, driving history, and credit score to show how location influences insurance premiums.
| City | Rates |
|---|---|
| La Grande | $98 |
| Ontario | $98 |
| Nyssa | $99 |
| Union | $99 |
| Vale | $99 |
| Baker City | $99 |
| Central Point | $99 |
| Cove | $99 |
| North Powder | $99 |
| Gold Hill | $100 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Oregon will differ. Rate data is provided by Quadrant Information Services.
Most expensive areas in Oregon for car insurance
Location matters for car insurance rates. Accurate quotes require honesty about your living situation, sometimes down to the ZIP code. Gresham is the most expensive area in Oregon for car insurance. The table below shows the top 10 most expensive areas in Oregon based on average rates for a single adult. Understanding why car insurance is so expensive in these areas can help you find ways to reduce your premiums.
The table displays monthly car insurance rates for the most expensive areas in Oregon, specifically for a 35-year-old single adult. It considers factors such as vehicle type, coverage limits, driving history, and credit score to demonstrate how geographical location impacts insurance costs.
| City | Rates |
|---|---|
| Gresham | $141 |
| Fairview | $139 |
| Happy Valley | $137 |
| Troutdale | $136 |
| Damascus | $136 |
| Portland | $135 |
| Sandy | $134 |
| Boring | $133 |
| Colton | $133 |
| Eagle Creek | $132 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and had a good credit score. The rates displayed should only be used for comparative purposes as individual coverage per person in Oregon will differ. Rate data is provided by Quadrant Information Services.
Required Car Insurance Coverage in Oregon
Unlike many other states, Oregon requires drivers to have additional coverage beyond the minimum coverage requirements of just liability car insurance. On top of bodily injury coverage and property damage liability, Oregon requires drivers to purchase personal injury protection (PIP), as well as uninsured motorist bodily injury.
Personal injury protection coverage ensures that you and your passengers are covered for medical bills resulting from an accident, regardless of fault, for up to two years after the accident. In states without PIP, drivers and passengers injured in an accident caused by someone else sometimes don't get medical payments for an extended period of time because the case ends up in court. In Oregon, you don't have to worry about that, thanks to PIP coverage.
data-media-max-width="560">Safe driver discounts are a great way to save money on car insurance. We'll show you how they work and how drivers can qualify with a safe driving app. https://t.co/Hh2qDU5zW7 pic.twitter.com/DSFdX68NBh
— USAA (@USAA) July 17, 2023
Oregon's PIP minimum is $15,000, but like the minimums for the other required coverages, you should consider purchasing higher limits to better protect yourself in the event of a costly accident.
Oregon state minimum requirements:
- Bodily Injury Liability: $25,000 per person and $60,000 per accident
- Property Damage Liability: $25,000 per accident
- Uninsured/Underinsured Motorist Coverage: $25,000 per person and $50,000 per accident for bodily injury; $25,000 per accident for property damage.
Bodily injury liability provides coverage for injuries sustained by the other vehicle's driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.
Property damage liability provides coverage in the event you damage someone else's property in a car accident, most commonly the other vehicle, but also things like a home or fence.
The required uninsured motorist coverage is similar to bodily injury liability coverage, but instead of covering injuries sustained by the other vehicle's driver, it protects you and your passengers. This coverage kicks in when an accident is caused by a driver who either doesn't have insurance or has insufficient coverage.
Anyone looking for car insurance should also talk to an insurance agent about what other protection the company can provide. Additional policies to ask about include underinsured motorist coverage, comprehensive coverage, and collision coverage. Your personal finance decisions are your own, but getting a second option may help.
It also wouldn't hurt to ask about any additional discounts the company might offer. This includes a safe driver discount, student discount, or a military discount, all of which can help you obtain affordable coverage even if you opt in to the many sorts.
While uninsured motorist bodily injury is required, uninsured motorist property damage is optional. It would cover you if your car was damaged in an accident caused by an uninsured driver. In Oregon, 12.7 percent of drivers are uninsured, according to 2015 data from the Insurance Information Institute. This is the 21st highest percentage in the country.
Factors Car Insurance Providers Consider When Setting Rates in Oregon
When searching and comparing quotes from the best auto insurance companies in Oregon, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. You can always ask what strict guidelines they follow, should you be truly curious. Among the factors that car insurers consider are:
- Driving Record & Mileage
- Age, Gender, & Marital Status
- Your Car’s Make, Model, and Year
- Location
- Amount of Car Insurance Coverage
One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?
Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to payout. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, drivers simply wouldn't be able to afford the raised rates that are based on how much their insurer had to pay after an accident.
Insurance companies slightly increase rates across the board to offset costs, though the at-fault driver may see a larger increase. Understanding what is accident forgiveness and who offers it can help you find policies that minimize premium increases after an accident.
Ways to Save Money on Your Car Insurance in Oregon
At the end of the day, we'd all like to have the best coverage at a cheap, affordable price from one of the best Oregon car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.
Here are five ways you may be able to lower your car insurance rates:
- Bundle your car insurance with other policies.
- Consider raising your deductibles.
- Pay your car insurance policy in full.
- Try usage-based car insurance.
- Shop for better insurance rates.
You can also inquire about the variety of discounts most insurers offer. Since Oregon prefers drivers to have close to a full-coverage policy, discounts can sooth that financial hurt.
Clearsurance Rates and Ranks the Best Car Insurance Companies in Oregon
Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:
- Price
- Customer Service
- Claim service
- Likelihood to renew
The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.
The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings. We hold ourselves to high editorial standards, so you can be sure we offer accurate content. For more insights, explore our insurance ratings and reviews to make informed decisions about your coverage options.
Comprehensive Guide to Car Insurance in Oregon
Whether you're buying your insurance directly or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works? There's such a wide range of options swimming in a veritable universe of companies, so the knowledge you intake will help you feel more comfortable and make decisions with confidence.
We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.
Ready to find cheaper car insurance coverage? Enter your ZIP code above to begin.
Frequently Asked Questions
How much is the average car insurance in Oregon?
The average car insurance cost in Oregon is $159 per month for full coverage and $65 per month for minimum coverage. If you have poor credit, car insurance costs change by 86 percent for full coverage on average.
What is the minimum car insurance needed Oregon?
The minimum insurance a driver must have is bodily injury and property damage liability: $25,000 per person; $50,000 per crash for bodily injury to others.
What is full-coverage insurance in Oregon?
Full-coverage insurance in Oregon is usually defined as a policy that provides more than the state's minimum liability coverage, which is $25,000 in bodily injury coverage per person, up to $50,000 per accident, and $20,000 in property damage coverage.
Have insurance rates gone up in Oregon?
In Oregon, premiums are up an average of nearly 30% since 2020, according to the state's Department of Consumer and Business Services.
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.
Is driving without insurance illegal in Oregon?
Drivers must be insured if operating a motor vehicle in Oregon. If you own a vehicle, you must certify that you have insurance before you can renew your registration. Oregon law requires that you carry proof of current insurance coverage with you while you are driving.
Is Oregon a fault state?
Oregon is a "fault" car accident state, which means that the person who was at fault for causing the car accident is also responsible for any resulting harm (from a practical standpoint, the at-fault driver's insurance carrier will absorb these losses, up to policy limits).
How does insurance work in Oregon?
Liability coverage is legally required in Oregon. Liability pays the other driver if you are found at-fault in an accident, covering their injuries, lost wages, and damage to their driver's vehicle. Your liability coverage never pays for your injuries or damages to your own vehicle.
How much is car insurance monthly in Oregon?
In Oregon, the average cost per month for state minimum coverage car insurance is about $65, while that for full coverage is $113. Both types of policies offer affordable options to suit different drivers' needs.
What happens in Oregon if you drive without insurance?
If you can't produce your card when the officer asks for it, you can be cited for the violation of "failure to carry proof." If you are convicted of the offense of driving uninsured, you will have to pay a fine of at least $130 and potentially up to $1,000, depending on what the court decides.