The cheapest car insurance company in Oregon is State Farm, which offers coverage for $71 a month or $849 a year. COUNTRY Financial, USAA, Travelers, and GEICO are the other cheapest car insurance companies in Oregon.
We recommend comparing quotes before you buy car insurance, that way you can be sure you found the best rates for the coverage you need.
Average cost per month | ||
|---|---|---|
State Farm | $71 | |
COUNTRY Financial | $84 | |
USAA | $85 | |
Travelers | $97 | |
GEICO | $98 |
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Oregon
State Farm
4.8
Bundle home & auto
Coverage for rideshare drivers
Good student discount
Mobile app
Usage-based discount
Offers classic car insurance
Offers motorcycle insurance
Why we chose it
State Farm is one of the top car insurance companies in Oregon thanks to its cheap rates and high customer service ratings. State Farm can even be an affordable pick for drivers with spotty records.
Pros and cons
Pros
Available in almost every state
Low rates for teens and drivers with accidents
High customer satisfaction ratings
Cons
Limited coverage options
More details
Why we chose State Farm:
We found that State Farm is often the cheapest option for car insurance regardless of your driving record.
State Farm also has high customer satisfaction ratings and receives fewer complaints than is average for the industry, according to the National Association of Insurance Commissioners.
How does the cost of car insurance from State Farm compare to the average in Oregon?
The average cost of State Farm car insurance in Oregon is $71 a month or $849 per year, which is 41% cheaper than the statewide average.
COUNTRY Financial
4.7
Bundle home & auto
Mobile app
Smart home discounts
Offers new car replacement
Good student discount
Why we chose it
COUNTRY Financial has cheap car insurance in Oregon, even for young drivers, along with a range of coverage options. It also receives few complaints from its customers.
Pros and cons
Pros
Lower-than-average rates
Lots of coverage options
Low number of customer complaints
Cons
Only available in 19 states
Not rated by S&P or Moody’s
More details
Why we chose COUNTRY Financial
COUNTRY Financial is one of the cheapest car insurance companies in Oregon, even if you have an accident or driving violation on your record, or a young driver on your policy.
We also like COUNTRY’s coverage options, which include new car replacement coverage, personal belongings coverage, and full glass coverage. But COUNTRY doesn’t offer gap insurance, so you may need to find a different company if your lessor or lender requires you to have gap coverage.
How does the cost of car insurance from COUNTRY Financial compare to average in Oregon?
The average cost of car insurance from COUNTRY Financial in Oregon is $84 a month or $1,003 per year, which is 31% cheaper than the statewide average.
USAA
5.0
All 50 states
Bundle home & auto
Coverage for rideshare drivers
Good student discount
Usage-based discount
Offers classic car insurance
Mobile app
Offers motorcycle insurance
Why we chose it
USAA has some of the best car insurance rates and customer service ratings of any company in Oregon. Add-ons include gap insurance and roadside assistance, along with special savings for service members.
Pros and cons
Pros
Low rates
Available nationwide
High customer service ratings
Cons
Only available to military members and their families
More details
Why we chose USAA:
If you’re an active or retired member of the military or a part of a military family, USAA has some of the lowest car insurance rates in Oregon. USAA also offers gap coverage — which may be required if you lease or finance your car.
USAA also has strong customer service ratings, and frequently earns top marks in the annual J.D. Power Claims Satisfaction Study.
How does the cost of car insurance from USAA compare to average in Oregon?
The average cost of car insurance from USAA in Oregon is $85 a month or $1,023 per year, which is 29% cheaper than the statewide average.
Travelers
4.7
Accident forgiveness
Bundle home & auto
Usage-based discount
Offers gap coverage
Offers new car replacement
All 50 states
Coverage for rideshare drivers
Mobile app
New homebuyer discount
Why we chose it
Travelers has cheaper-than-average car insurance rates (along with a lengthy list of discounts), and a range of useful coverage add-ons.
Pros and cons
Pros
Offers useful add-ons like new car replacement and gap coverage
Cheaper-than-average rates
Receives few complaints for service
Cons
Has lower satisfaction ratings than competitors
More details
Why we chose Travelers:
Travelers is one of the best and cheapest companies for car insurance in STATE. While rates are lower than average, your insurance might be even more affordable once you factor in Travelers’s nearly one dozen discounts.
Travelers’s coverage options are another strong point. You can add gap insurance (which you need if you don’t own your car outright), along with accident forgiveness, new car replacement, and more to a basic policy.
How does the cost of car insurance from Travelers compare to average in STATE?
The average cost of car insurance from Travelers in STATE is $XX a month or $X,XXX per year, which is XX% cheaper than the statewide average.
GEICO
4.7
Offers classic car insurance
All 50 states
Offers motorcycle insurance
Good student discount
Mobile app
Usage-based discount
Why we chose it
GEICO is among our picks for top car insurance companies because of its low rates, convenient mobile app, and solid customer service.
Pros and cons
Pros
Available in all 50 states
Easy-to-use digital tools
Plenty of discounts
Cons
Only sells through GEICO agents
Doesn’t underwrite its other products
More details
Why we chose GEICO
GEICO is one of the best car insurance companies in STATE. You can often find cheap car insurance with GEICO even if you have bad credit or a newly licensed driver who uses your car.
We also like GEICO’s convenient mobile app, which lets you estimate what repairs to your vehicle might cost after an accident. Even though it’s one of the largest insurance companies in the country, GEICO gets fewer complaints from its customers than expected.
How does the cost of car insurance from GEICO compare to average in STATE?
The average cost of car insurance from GEICO in STATE is $XX a month or $X,XXX per year, which is XX% cheaper than the statewide average.
Cheapest car insurance companies by age in Oregon
Statistics show young drivers are involved in more accidents than any other age group, which is why they pay the most for car insurance. Insurance rates typically go down for young drivers at age 25, but that isn’t always the case, especially for young drivers with spotty driving records.
Age | Cheapest company | Average cost |
|---|---|---|
16 | COUNTRY Financial | $2,057 |
18 | COUNTRY Financial | $1,611 |
21 | COUNTRY Financial | $1,277 |
25 | State Farm | $945 |
30 | State Farm | $859 |
35 | State Farm | $843 |
45 | State Farm | $845 |
55 | State Farm | $804 |
60 | State Farm | $785 |
65 | State Farm | $782 |
70 | State Farm | $827 |
Choosing the right car insurance company in Oregon
Finding the right insurance company can seem difficult, but it all comes down to figuring out how much coverage you want and then comparing rates from at least a few different companies. The right car insurance company for you is the one that offers you the most coverage at the lowest rate.
Policygenius can help you compare quotes from top companies so you can choose the coverage that’s best for you.
Car insurance rates for drivers with driving violations in Oregon
Your driving history says a lot about you, and insurers use this information to set insurance rates. A single speeding ticket can increase your rates by hundreds of dollars, and a DUI conviction could make you uninsurable with some companies, so if you have a spotty driving history, it’s even more important to shop around for coverage.
State Farm | COUNTRY Financial | USAA | Travelers | GEICO | |
|---|---|---|---|---|---|
At-fault accident | $1,081 | $1,526 | $1,578 | $1,632 | $1,968 |
Suspended license | $921 | $1,605 | $1,661 | $1,803 | $2,839 |
Open container | $921 | $1,394 | $1,648 | $1,544 | $2,445 |
Expired registration | $921 | $1,394 | $1,355 | $1,544 | $1,285 |
Driving without lights | $921 | $1,394 | $1,065 | $1,544 | $1,556 |
Running a red light | $921 | $1,394 | $1,355 | $1,544 | $1,556 |
Following too closely | $921 | $1,394 | $1,355 | $1,544 | $1,556 |
Hit and run | $921 | $1,605 | $1,835 | $1,803 | $2,839 |
Not-at-fault accident | $859 | $1,058 | $1,065 | $1,223 | $1,329 |
Passing a school bus | $921 | $1,394 | $1,648 | $1,803 | $1,556 |
Reckless driving | $921 | $1,605 | $1,648 | $1,803 | $2,839 |
Cheapest car insurance for drivers with a DUI in Oregon
Rates for drivers with DUIs | |
|---|---|
State Farm | $921 |
COUNTRY Financial | $1,605 |
USAA | $1,744 |
Travelers | $1,803 |
GEICO | $2,445 |
Cheapest car insurance for drivers with a speeding ticket in Oregon
Rates for drivers with speeding tickets | |
|---|---|
State Farm | $921 |
USAA | $1,355 |
COUNTRY Financial | $1,394 |
Travelers | $1,803 |
GEICO | $2,445 |
Cheapest car insurance for drivers with bad credit in Oregon
Insurance companies often use your credit score to determine the price you pay for car insurance, and a lower score usually means higher rates.
However the state of Oregon limits how insurers can use credit scores when calculating rates, and Oregon lawmakers have proposed legislation that would prohibit insurers from considering credit scores at all when setting rates.
Rates for drivers with bad credit | |
|---|---|
GEICO | $1,645 |
COUNTRY Financial | $1,746 |
Nationwide | $1,853 |
Oregon Mutual | $1,912 |
Travelers | $2,081 |
Car insurance costs in Oregon cities
Where in Oregon you call home will also affect how much you’ll pay for coverage. Rates of car theft, accidents and claims in your city can mean higher or lower rates. Here’s what drivers pay for car insurance coverage in the ten largest cities in Oregon.
Portland: $1,881
Salem: $1,575
Eugene: $1,341
Hillsboro: $1,631
Gresham: $1,898
Bend: $1,319
Beaverton: $1,697
Medford: $1,312
Springfield: $1,353
Corvallis: $1,323
The city of Gresham has the highest average car insurance rates in Oregon. If you live in an area with high insurance rates, shopping around for insurance is the best way to find affordable coverage.
Buying car insurance in Oregon
Oregon state law says that all drivers must meet the following minimum coverage requirements:
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $50,000
Property damage liability coverage: $20,000
Personal injury protection: $15,000 per person
Uninsured/underinsured motorist coverage: Equal to the state’s liability minimums ($25,000 per person and $50,000 per accident)
The state minimum requirements in Oregon are very low, so most drivers will need to buy well over the required amounts in order to be fully protected. Remember that if you don’t have enough liability coverage to fully cover the damage you’re responsible for after an accident, you’ll have to pay the rest out of pocket.
How to get cheap car insurance in Oregon
Most car insurance companies offer a range of discounts that can help you save money on your premiums. Here are some of the most common:
Accident-free discount: For drivers with no recent accidents
Low mileage discount: For drivers who drive less than 7,500 miles annually
Loyalty discount: For drivers who have been with the same company for a set number of years
Bundling discount: For getting more than one insurance policy from the same company
Military discount: For drivers who are active-duty servicemembers and their families
Discounts vary by company, and you might not qualify for all of them. The easiest way to get lower insurance is by comparing quotes before you buy.
Find car insurance in your city:
Frequently asked questions
Who has the lowest car insurance in Oregon?
According to our analysis, State Farm has the lowest average rates in the state at $849 per year for full coverage.
How much is car insurance in Oregon per month?
Car insurance in Oregon costs $120 per month, cheaper than the average cost of coverage nationwide.
Is PIP mandatory in Oregon?
Yes, personal injury protection is mandatory in Oregon. Drivers must carry at least $15,000 of PIP to drive legally on the state's roads. However, while you need to carry PIP, Oregon isn't a no-fault state.
Does insurance follow the car or driver in Oregon?
In Oregon, insurance usually follows the car. This means that you won't need to get your own insurance to borrow someone else's car. If you're involved in a crash, you'll use the car's existing insurance coverage to protect yourself from financial damages.
