Cheapest Car Insurance in Oregon (2026)
State Farm has the best cheap car insurance in Oregon, at $123 per month for full coverage.
Find Cheap Car Insurance Quotes in Oregon
Best cheap auto insurance in OR
State Farm and Progressive are the cheapest companies for most people in Oregon.
- Want full coverage? State Farm: $123/mo
- Only need minimum coverage? State Farm: $59/mo
- Want the best service? State Farm: $123/mo
- Have a speeding ticket? State Farm: $132/mo
- Caused an accident? State Farm: $123/mo
- Need coverage for a teen? Country Financial: $164/mo
- Got a DUI? Progressive: $160/mo
- Have poor credit? Progressive: $218/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Cheapest Oregon auto insurance rates: State Farm
State Farm has the cheapest full coverage car insurance in Oregon.
- State Farm is a great choice for most Oregon drivers because it offers a mix of cheap rates and reliable service. At an average of $123 per month, full coverage from State Farm is $76 per month less than the state average.
- USAA offers even cheaper full coverage rates, at just $115 per month. However, only military members, veterans and some of their family members can get a policy from USAA.
Find Cheap Car Insurance Quotes in Oregon
Best cheap full coverage car insurance in Oregon
Company | Monthly rate |
|---|---|
| State Farm | $123 |
| Progressive | $139 |
| American Family | $147 |
| Travelers | $180 |
| USAA | $115 |
*USAA is only available to current and former military members and their families.
Data-powered research on Oregon car insurance
Cheap car insurance in Oregon for liability-only: State Farm
State Farm has the cheapest liability-only auto insurance in Oregon, at $59 per month. That's $35 per month less than the Oregon state average, which is $95 per month.
Cheapest Oregon minimum car insurance quotes
Company | Monthly rate |
|---|---|
| State Farm | $59 |
| Progressive | $60 |
| American Family | $64 |
| Travelers | $81 |
| USAA | $53 |
*USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Oregon
Average car insurance cost in Oregon by city
- State Farm has the cheapest full coverage insurance in 95% of cities and towns across Oregon, including Portland, Eugene and Salem. Progressive has the cheapest rates in the remaining Oregon cities.
- Baker City, a very small city surrounded by five national forests, has the cheapest car insurance in Oregon. Drivers in Baker City pay an average of $203 per month for full coverage insurance.
- Maywood Park, a Portland suburb, has the most expensive average rate in the state, at $310 per month. That's possibly because urban areas tend to have more car thefts.
Cheapest full coverage car insurance rates in OR by city
City | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Portland | $281 | State Farm | $156 |
| Eugene | $216 | State Farm | $117 |
| Salem | $250 | State Farm | $139 |
| Gresham | $305 | State Farm | $184 |
| Hillsboro | $248 | State Farm | $136 |
| Bend | $215 | State Farm | $111 |
| Beaverton | $255 | State Farm | $132 |
| Medford | $212 | State Farm | $111 |
| Corvallis | $207 | State Farm | $98 |
| Springfield | $214 | State Farm | $111 |
| Albany | $207 | State Farm | $112 |
| Tigard | $254 | State Farm | $128 |
| Lake Oswego | $250 | State Farm | $121 |
| Grants Pass | $217 | State Farm | $109 |
| Keizer | $250 | State Farm | $137 |
| Redmond | $215 | State Farm | $120 |
| McMinnville | $243 | State Farm | $131 |
| Woodburn | $263 | State Farm | $162 |
| Happy Valley | $288 | State Farm | $169 |
| Tualatin | $243 | State Farm | $118 |
| Forest Grove | $247 | Progressive | $142 |
| West Linn | $248 | State Farm | $130 |
| Wilsonville | $243 | State Farm | $119 |
| Newberg | $242 | State Farm | $125 |
| Roseburg | $212 | State Farm | $105 |
| Klamath Falls | $229 | State Farm | $123 |
| Milwaukie | $270 | State Farm | $144 |
| Ashland | $216 | State Farm | $110 |
| Sherwood | $235 | State Farm | $120 |
| Adams | $215 | State Farm | $111 |
| Adel | $224 | State Farm | $106 |
| Adrian | $221 | State Farm | $106 |
| Agness | $209 | State Farm | $110 |
| Allegany | $225 | State Farm | $106 |
| Aloha | $256 | Progressive | $141 |
| Alsea | $223 | State Farm | $103 |
| Altamont | $226 | State Farm | $126 |
| Alvadore | $230 | State Farm | $106 |
| Amity | $249 | State Farm | $134 |
| Antelope | $236 | State Farm | $116 |
| Arch Cape | $230 | State Farm | $117 |
| Arlington | $217 | State Farm | $106 |
| Arock | $241 | State Farm | $106 |
| Ashwood | $224 | State Farm | $116 |
| Astoria | $224 | State Farm | $113 |
| Aumsville | $240 | State Farm | $124 |
| Aurora | $249 | State Farm | $133 |
| Azalea | $218 | State Farm | $109 |
| Baker City | $203 | State Farm | $93 |
| Bandon | $208 | State Farm | $107 |
| Banks | $242 | State Farm | $136 |
| Barview | $214 | State Farm | $108 |
Best car insurance in Oregon: State Farm
-
Full coverage rate$123/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage.
-
Claims processGoodClaims rating is based on J.D. Power's claims satisfaction survey.
-
AM Best ratingA++An A++ financial strength rating means that a company has an excellent ability to pay customer claims, even in difficult financial situations. This is the third-highest rating available.
Cheap Oregon car insurance after a ticket: State Farm
State Farm has the most affordable car insurance rates in Oregon for drivers with a speeding ticket. Full coverage from State Farm costs around $132 per month. That's about half the state average and $43 per month less than the second-cheapest option, American Family.
Low-cost car insurance in Oregon for drivers with a ticket
Company | Monthly rate |
|---|---|
| State Farm | $132 |
| American Family | $175 |
| Progressive | $176 |
| Travelers | $231 |
| USAA | $148 |
USAA is only available to current and former military members and their families.
In Oregon, a single speeding ticket increases insurance rates by an average of 29%. That's an increase of $58 per month for an average full coverage policy.
Cheapest car insurance in OR after an accident: State Farm
State Farm has the best full coverage quotes after an accident, averaging $123 per month. That's $185 per month less than the Oregon state average.
Best auto insurance companies in Oregon after an accident
Company | Monthly rate |
|---|---|
| State Farm | $123 |
| Progressive | $196 |
| American Family | $252 |
| Travelers | $259 |
| USAA | $172 |
USAA is only available to current and former military members and their families.
Average quotes for a full coverage policy go up by about $106 a month after an at-fault accident in Oregon.
Don't worry about switching car insurance companies right after your accident. Your rates won't go up until your current policy renews. However, any quotes you get will have your accident on your driving record, so they'll probably be higher than what you currently pay.
Instead, wait until your insurance company sends your renewal offer, which is usually a few weeks to a month before your policy expires. Then, you should shop around for quotes from multiple companies to find the best rate for you.
Cheap Oregon auto insurance 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 $164 per month for an 18-year-old driver. That's $130 per month less than the average rate for young drivers in Oregon, which is $293 per month.
- Full coverage car insurance from Country Financial costs around $357 per month for teen drivers. That's 42% less than the Oregon average.
Cheapest auto insurance quotes in Oregon for teens
Company | Liability only | Full coverage |
|---|---|---|
| Country Financial | $164 | $357 |
| State Farm | $191 | $384 |
| Travelers | $221 | $515 |
| Geico | $234 | $543 |
| USAA | $141 | $298 |
USAA is only available to current and former military members and their families.
In Oregon, 18-year-old drivers pay more than triple the price that 30-year-olds pay for car insurance. Young drivers usually pay more for insurance than adults because they're more likely to cause accidents.
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 a lot compared to buying a separate policy.
Look for discounts. Most insurance companies have discounts geared toward young drivers.
For example, State Farm's Steer Clear program offers a discount for young drivers who complete online courses and practice driving with a mentor.
Cheapest for teens with a ticket or accident: State Farm
State Farm has the best rates for young Oregon drivers with a speeding ticket or accident on their records.
- Speeding ticket: Minimum coverage auto insurance from State Farm costs $206 per month for an 18-year-old with one ticket, which is $160 per month cheaper than the statewide average.
- Accident: The cheapest coverage for teens who have an accident on their records also comes from State Farm, at $191 per month, which is less than half the average in Oregon.
Cheap quotes for Oregon teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| State Farm | $206 | $191 |
| Country Financial | $216 | $242 |
| Progressive | $249 | $257 |
| Travelers | $274 | $320 |
| USAA | $231 | $262 |
USAA is only available to current and former military members and their families.
An 18-year-old driver with a speeding ticket pays 25% more for car insurance than a young driver with a clean record in Oregon. Teen rates go up by 39% in Oregon after an at-fault accident.
Cheap car insurance in Oregon after a DUI: Progressive
Progressive offers the cheapest quotes for Oregon drivers with a DUI. At $160 per month, full coverage from Progressive costs less than half the Oregon average after a DUI.
Best Oregon car insurance quotes after a DUI
Company | Monthly rate |
|---|---|
| Progressive | $160 |
| State Farm | $250 |
| Travelers | $271 |
| American Family | $271 |
| USAA | $244 |
USAA is only available to current and former military members and their families.
Oregon drivers with a DUI pay an average of 89% more for a full coverage policy than drivers with clean records.
In addition, drivers may have to get SR-22 insurance in Oregon after a DUI. Insurance companies typically charge between $15 and $50 to file an SR-22 form on your behalf. That's on top of any increase to your car insurance rates.
Cheapest Oregon auto insurance for drivers with poor credit: Progressive
Progressive offers the best rates for Oregon drivers with low credit scores or no credit history. A full coverage policy from Progressive costs $218 per month, which is $167 per month cheaper than the state average.
Best car insurance rates in Oregon for poor credit
Company | Monthly rate |
|---|---|
| Progressive | $218 |
| American Family | $249 |
| Country Financial | $305 |
| Travelers | $322 |
| USAA | $252 |
USAA is only available to current and former military members and their families.
Oregon drivers with a bad credit score pay nearly two times more for car insurance than those with good credit. That's because insurance companies believe that drivers with bad credit are more likely to file claims.
Is your car insurance company raising rates in Oregon in 2026?
Only one major car insurance company, Farmers, has raised rates in Oregon in 2026. But several companies have lowered their rates across the state.
- ↑ Biggest increase: Farmers at +3.7%
- ↓ Biggest decrease: Country Financial at -7.0%
Company | 2026 rate change | 5-year rate change |
|---|---|---|
| Country Financial | ↓ 7.0% | ↑ 86.4% |
| Progressive | ↓ 5.9% | ↑ 30.0% |
| Travelers | ↓ 3.1% | ↑ 18.1% |
| Liberty Mutual | ↓ 1.8% | ↑ 29.8% |
| American Family | ↓ 0.1% | ↑ 46.3% |
| State Farm | 0.0% | ↑ 29.0% |
| USAA | 0.0% | ↑ 28.0% |
| Geico | 0.0% | ↑ 47.2% |
| AAA | 0.0% | ↑ 71.7% |
| Allstate | ↑ 0.1% | ↑ 48.5% |
| Farmers | ↑ 3.7% | ↑ 46.4% |
A downward arrow (↓) indicates a rate decrease, while an upward arrow (↑) indicates a rate increase.
Oregon auto insurance minimum requirements
Drivers in Oregon must have a minimum amount of liability insurance to drive legally, which is sometimes written as 25/50/20.
Oregon also requires matching uninsured motorist bodily injury limits, as well as personal injury protection (PIP).
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $20,000
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
- Personal injury protection (PIP): $15,000
Oregon is unique in that it isn’t a no-fault state, but it requires personal injury protection insurance. In other words, even with PIP coverage, you still have the right to sue the other driver for compensation for your loss. In other states, such as New York, you can only sue for economic losses, such as lost wages and extra medical expenses. In Oregon, you can take the other party to court for these bills, plus intangible harm like pain and suffering.
The minimum personal injury protection (PIP) covers up to $15,000 per injured person for medical expenses and lost income.
- Income loss: If your injuries prevent you from working, you can claim up to 70% of the wages that you would have earned, subject to a maximum of $3,000 per month.
- Essential services: If your injuries prevent you from performing essential daily activities (for example, cleaning your house and walking the dog), then you're entitled to as much as $30 a day. However, it won't cover the first two weeks of your disability.
- Funeral expenses: This benefit kicks in when a covered person (for example, the policyholder or a household family member) dies as a result of the accident. Your insurance company will pay up to $5,000 for funeral and burial expenses, on top of the $15,000 medical limit.
In Oregon, you must show proof of insurance when you're pulled over by a police officer, stopped at a checkpoint or involved in a collision.
You'll need to have your current insurance card, your current liability insurance binder or a signed letter from your insurance agent verifying you're insured.
If you can't show the police any of the three, you could be convicted of a Class B traffic violation, which is punishable with fines, suspensions and required monthly insurance verifications. These penalties are the same whether this is your first insurance violation or one of many.
Potential fines and penalties for driving without insurance in Oregon- Fine: $265 presumptive fine*; in case of court, $135–1,000 fines
- Driving privileges: Possible license and registration suspension and vehicle impoundment
- Other fees: $5 reinstatement fee, $60 replacement fee
- Other penalties: SR-22 certificate for three years
*A presumptive fine is the amount you may be able to pay to resolve the violation without having to do something else like appear in court
What's the best car insurance coverage in Oregon?
Most drivers in Oregon should consider a full coverage policy, along with higher liability limits than the state requires.
Full coverage car insurance includes liability coverage as well as comprehensive and collision coverages. Both of these coverage types are typically required with a car loan or lease.
- Collision coverage pays for damage to your own car when you're in an accident, even if it's your fault.
- Comprehensive coverage pays for damage caused by events beyond your control, like hail or theft.
Higher liability limits give you more protection if you cause an accident so that you don't have to pay out of your own pocket for the repairs and injuries you cause.
For example, if you crash into and total a brand-new car, $20,000 of property damage liability coverage probably won't be enough to fully replace it. If you only have minimum liability insurance, you'll have to pay the remainder out of pocket.
Just because you have a full coverage policy doesn't mean your insurance will cover every expense associated with an accident.
For example, your car insurance company won't pay for a rental car unless you add rental car reimbursement to your policy. Make sure you look at all of the coverage options available when shopping for insurance, so you can add any protection that's important to you.
Frequently asked questions
Who has the cheapest car insurance rates in Oregon?
State Farm has the cheapest car insurance rates in Oregon in 2026. Full coverage from State Farm costs around $123 per month, which is about 38% cheaper than the state average. State Farm also has the cheapest liability-only coverage in Oregon, at an average of $59 per month.
How much is the average car insurance per month in Oregon?
The average cost of car insurance in Oregon is $199 per month for a full coverage policy. That's $9 per month less than the U.S. average. This is despite the fact that Oregon has higher car theft rates than many other states, according to the FBI.
How much is car insurance in Salem, Oregon?
The average cost of car insurance in Salem is $250 per month for a full coverage policy. That's 25% more expensive than the Oregon state average. In comparison, auto insurance in Portland costs $281 per month, on average.
Methodology
To find the best cheap insurance in Oregon, ValuePenguin collected thousands of rates from ZIP codes across Oregon for the state's largest insurance companies. Rates are for a 30-year-old man with good credit who owns a 2018 Honda Civic EX.
Full coverage quotes include the following limits:
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Personal injury protection (PIP): $15,000
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $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 insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
Auto insurance rate change data was compiled using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
To calculate rate changes by company, ValuePenguin used publicly available rate filing data from the Oregon Division of Financial Regulation. Rate filing data was sourced using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
The table includes rate filings submitted by major insurance companies and their subsidiaries with effective dates between 2022 and 2026. Because insurance companies often break customers into different rating groups, a filing may apply only to certain drivers, vehicles, coverage levels, regions or policy types. Not every increase or decrease applies to every policyholder insured by that company in the state.
Data limitations
Insurance companies may submit multiple filings throughout the year. Some filings may be revised, withdrawn or superseded after publication.
Rate filing information was current as of July 28, 2026.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
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.
