Cheapest & Best Auto Insurance in Oregon as Rated by Customers in 2022

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#1
/44
USAA
4.73 ★★★★★
4.73 ★★★★★
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Excellent
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#2
/44
4.55 ★★★★★
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#3
/44
4.23 ★★★★★
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Finding the right Oregon car insurance company is important. Before you choose a company, you'll want to make sure it treats its policyholders well. Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Oregon. With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Oregon car insurance companies before committing to simple, basic coverage.

In the table above, you can sort through all the Oregon car insurance companies ranked on Clearsurance. The rating next to each company the insurer's Clearsurance score is based exclusively on the ratings provided by customers. Coverage policies are expensive, so it stands to reason that customers would have something to say to let other drivers know whether or not they're worth it.

Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Oregon car insurance rankings.

Interested in learning more about one of these Oregon car insurance companies? You can visit the company's profile page to find out what additional coverages they offer, any discounts they offer, and read car insurance reviews to learn from the experiences of other policyholders.

On this page:

Who offers the cheapest teen car insurance rates in Oregon?

State Farm offers the cheapest 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.

Company Female teen ratesMale teen rates
Farmers Insurance Group $4,210 $4,266
Geico $1,677 $1,618
Progressive $2,588 $2,699
Safeco Insurance $3,758 $3,880
State Farm Insurance Company $1,445 $1,697

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.

Who offers the cheapest car insurance rates for a married couple in Oregon?

GEICO offers the cheapest car insurance rates for married drivers in Oregon on average when compared with the other most popular car insurance companies in the state. If you're always on the hunt for the cheapest rates, mention your marital status — it may end up saving you some money on your annual cost.

The table below compares the rates between the top insurance companies in Oregon.

Company Married couple rates
Farmers Insurance Group $2,082
Geico $1,517
Progressive $1,541
Safeco Insurance $2,132
State Farm Insurance Company $1,783

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.

Who offers the cheapest senior car insurance rates in Oregon?

Among 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 what they're spending, finding the lowest average cost becomes vital. Auto policies can be expensive, so comparing companies is important.

The table below compares the rates between the top insurance companies in Oregon.

Company Female senior ratesMale senior rates
Farmers Insurance Group $839 $939
Geico $927 $945
Progressive $726 $749
Safeco Insurance $1,012 $1,152
State Farm Insurance Company $825 $825

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.

What is the cost of coverage by area?

<b>Cheapest areas for car insurance</b>

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.

In Oregon, car insurance rates are cheaper in some areas of the state. In the table below, you can see the top 10 areas in Oregon for cheap car insurance based on average rates for single adults.

Area Car insurance rates
La Grande $1,172
Ontario $1,180
Nyssa $1,183
Union $1,183
Vale $1,185
Baker City $1,186
Central Point $1,188
Cove $1,191
North Powder $1,191
Gold Hill $1,194

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.

What are the most expensive areas for car insurance in Oregon?

As mentioned above, location matters. Getting accurate quotes does mean that you have to be honest with your living situation. Sometimes it can even come down to ZIP code. When looking at the average car insurance rates in Oregon, the most expensive area of the state for car insurance is Gresham. The table below displays the top 10 most expensive areas in Oregon for car insurance based on average rates for a single adult.

Area Car insurance rates
Gresham $1,695
Fairview $1,670
Happy Valley $1,644
Troutdale $1,629
Damascus $1,628
Portland $1,618
Sandy $1,609
Boring $1,596
Colton $1,595
Eagle Creek $1,588

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.

What car insurance coverage do I need to have?

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.

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:

Liability:

  • Bodily injury — $25,000 per person
  • Bodily injury — $50,000 per accident
  • Property damage — $20,000 per accident

Personal injury protection:

  • $15,000 per person

Bodily injury caused by an uninsured motorist:

  • $25,000 per person
  • $50,000 per accident

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.

How are car insurance annual rates calculated 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:

  • Your driving record (individuals with a clean driving record tend to pay less for insurance than high-risk drivers)
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

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. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course, the at-fault driver may see a larger increase.

How can you 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 six 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
  • Monitor price changes to your policy
  • 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.

How does Clearsurance rate and rank 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.

Do you have a car insurance guide?

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.

Frequently Asked Questions

Who offers the cheapest teen car insurance rates in Oregon?

State Farm offers the cheapest car insurance option for female teen drivers while GEICO is the cheapest for male teen drivers in Oregon on average. This is based on average rates for the five largest auto insurance companies in Oregon. Teenage drivers do come with a bit more of an expense tag than other drivers, but they can be eligible for good student discounts, which can act as a small form of compensation. 

Who offers the cheapest car insurance rates for a married couple in Oregon?

GEICO offers the cheapest car insurance rates for married couples in Oregon on average when compared with the other most popular car insurance companies in the state.

Who offers the cheapest senior car insurance rates in Oregon?

Among top five largest insurers in Oregon, Progressive provides the cheapest car insurance rates for male and female senior drivers on average. It's important for drivers of all ages to obtain sample rates from insurance providers, because there is such a large range of policy service options available. 

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