Who Has the Best Car Insurance Quotes in Oregon? (2020)

Who Has the Best Car Insurance Quotes in Oregon? (2020)

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The average cost of a minimum coverage auto insurance policy in Oregon is $1,136 per year, or $95 per month. Prices change, however, depending on how much coverage you buy, as Oregon drivers may receive a wide range of car insurance quotes.

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Cheapest for full coverage

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The most expensive auto insurer in Oregon can cost 3.7 times as much as the cheapest company! That's why drivers looking for low cost car insurance policies should compare quotes from at least three carriers before deciding.

Enter your ZIP code above to see a list of companies and cheap car insurance quotes near you.

Cheapest minimum coverage auto insurance quotes in Oregon

The cheapest minimum coverage insurance policies in Oregon are offered by:

  • Country Financial
  • State Farm
  • GEICO

These three insurance companies had the best rates for insuring a vehicle in Oregon, averaging $727 per year, or 36% below the state average.

This graph shows the companies with the cheapest car insurance quotes in Oregon.

Find Cheap Auto Insurance Quotes in Oregon

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Your car insurance quotes will vary depending on your location and driving history, among other factors. You should compare quotes online to ensure you find the best rates for car insurance in Oregon.

Farmers, Allstate and Nationwide offer the most expensive auto insurance rates in Oregon, at a 55% premium to the state average.

RankInsurerAuto insurance quote
1Country Financial$619
2State Farm$736
3GEICO$827
4Progressive$872
5American Family$1,170
6Nationwide$1,348
7Allstate$1,636
8Farmers$2,294
NAUSAA$720

Minimum coverage auto insurance only meets Oregon state law's minimum requirements. Unlike a full coverage car insurance policy, minimum coverage doesn't include comprehensive and collision insurance.

While you can purchase minimum coverage car insurance for less, lower coverage levels may leave you at risk of insufficient protection in the event of a car accident. Furthermore, a minimum coverage policy won't protect damage to your car if you're at fault. The difference between a full and minimum coverage policy in Oregon was $1,070 on average.

Cheapest full coverage car insurance in Oregon

For cheap full coverage auto insurance in Oregon, State Farm, Country Financial and Progressive offered the most affordable rates.

These three insurers offered average auto quotes of $1,526 per year, or $127 per month, at a 31% discount to the Oregon average of $2,205.

RankInsurerAuto insurance quote
1State Farm$1,370
2Country Financial$1,415
3Progressive$1,792
4GEICO$2,069
5American Family$2,235
6Nationwide$2,382
7Allstate$3,182
8Farmers$4,060
NAUSAA$1,343

A full coverage car insurance policy includes collision and comprehensive coverage, which protects drivers against damage to their vehicles.

Cheapest full coverage auto insurance with a prior accident in Oregon

State Farm, Country Financial and Nationwide offer drivers in Oregon with a prior accident on their driving record the cheapest full coverage car insurance quotes.

Together, these three insurers offered auto insurance rates averaging $2,129, or 35% less than the Oregon average of $3,281.

RankInsurerQuote before accidentQuote after accidentDifference
1State Farm$1,370$1,781$411
2Country Financial$1,415$1,874$459
3Nationwide$2,382$2,730$348
4Progressive$1,792$3,073$1,281
5GEICO$2,069$3,290$1,221
6American Family$2,235$3,691$1,456
7Allstate$3,182$5,417$2,235
8Farmers$4,060$5,687$1,627
NAUSAA$1,343$1,989$646

Just one accident on your driving history can result in significantly more expensive auto insurance quotes. The difference in annual car insurance rates in Oregon for a full coverage policy with no accident history ($2,205) versus a policy with one accident ($3,281) was $1,076.

Best car insurance companies in Oregon

Who are the best auto insurance companies in Oregon? According to customer complaints, which help measure overall customer service ratings, the best car insurers are:

  • Country
  • Progressive
  • Allstate

Based on this customer satisfaction metric, Country is not only best-rated insurer but also the cheapest for minimum coverage policies. Allstate, which is among the most expensive insurers in our study, nevertheless receives high marks for customer satisfaction.

Liberty Mutual, USAA and American Family received the most complaints relative to their market share, indicating lower levels of customer satisfaction.

RankInsurerPremiums underwrittenComplaint index
1Country Financial$77,119,0790
2Progressive$245,694,9150.28
3Allstate$152,680,4860.45
4State Farm$583,823,5480.53
5Farmers$252,934,3090.55
6GEICO$233,437,3370.89
7Safeco$192,490,6960.9
8American Family$51,222,8862.03
9USAA$61,320,4652.83
10Liberty Mutual$56,746,6043.06
A complaint index of 1 is on par with expectations for a company of its size, while a complaint index of 3 indicates that the company's share of complaints was three times as large as its share of business. Complaint indexes listed were for the largest subsidiary of the parent marketing company.

We looked at confirmed complaints that policyholders submitted to the Insurance Division at the Oregon Department of Consumer and Business Services as a metric of customer satisfaction and company responsiveness. The lower the complaint index figure, the better the company performed relative to its peers.

Minimum auto insurance requirements in Oregon

As in almost every state, Oregonians have to abide by a minimum required amount of auto insurance. Oregon is unique in that it is not a no-fault state, but it does require drivers to carry personal injury protection (PIP) insurance, as well as the following minimum coverage requirements:

  • $25,000 per person/ $50,000 per accident of bodily injury liability insurance
  • $20,000 property damage liability insurance
  • $25,000 per person/ $50,000 per accident of uninsured motorist bodily injury insurance
  • $15,000 personal injury protection (PIP)

While your car insurance policy may meet Oregon's minimum requirements, it may not offer the best protection suited to your needs.

We recommend that all Oregon drivers consider opting in for higher liability coverage limits. If you are in an especially costly accident, minimum coverage may not be enough to fully cover the damages and you may have to pay out-of-pocket.

Best car insurance rates in Oregon by city

To determine who had the best auto insurance rates in Oregon on a more local level, we ranked annual rates from nine major companies in each city. Three providers for a full coverage policy — typically State Farm, Country Financial and Progressive — were determined to have the best rates.

We suggest that consumers looking to save on their car insurance compare at least three companies when shopping for quotes.

CityInsurerCar insurance quote
AlbanyCountry$1,186
State Farm$1,287
Progressive$1,563
AshlandState Farm$1,292
Country$1,318
Progressive$1,655
AstoriaCountry$1,215
State Farm$1,363
Progressive$1,881
Baker CityState Farm$1,099
Country$1,099
Progressive$1,533
BeavertonCountry$1,619
State Farm$1,701
Progressive$1,973
BendCountry$1,268
State Farm$1,290
Progressive$1,671
CanbyCountry$1,514
State Farm$1,588
Progressive$2,060
Central PointCountry$1,143
State Farm$1,242
Progressive$1,528
CorneliusCountry$1,499
State Farm$1,753
Progressive$1,970
CorvallisCountry$1,174
State Farm$1,191
Progressive$1,547
Cottage GroveState Farm$1,187
Country$1,194
Progressive$1,586
DallasCountry$1,229
State Farm$1,451
Progressive$1,613
Eagle PointCountry$1,241
State Farm$1,312
Progressive$1,569
EugeneState Farm$1,315
Country$1,379
Progressive$1,598
FairviewState Farm$1,910
Country$2,021
Progressive$2,130
Forest GroveCountry$1,453
State Farm$1,571
Progressive$1,948
GladstoneState Farm$1,817
Progressive$1,913
Country$2,014
Grants PassState Farm$1,171
Country$1,263
Progressive$1,658
GreshamState Farm$2,031
Country$2,176
Progressive$2,449
Happy ValleyState Farm$1,864
Country$1,930
GEICO$2,325
HermistonCountry$1,221
State Farm$1,265
Progressive$1,560
HillsboroCountry$1,606
State Farm$1,721
Progressive$1,912
IndependenceCountry$1,332
State Farm$1,498
Progressive$1,740
KeizerState Farm$1,511
Country$1,515
Progressive$1,803
Klamath FallsState Farm$1,317
Country$1,409
Progressive$1,801
La GrandeCountry$995
State Farm$1,058
Progressive$1,534
Lake OswegoState Farm$1,683
Country$1,684
Progressive$1,962
LebanonCountry$1,177
State Farm$1,212
Progressive$1,682
McMinnvilleState Farm$1,479
Country$1,493
Progressive$1,870
MedfordCountry$1,234
State Farm$1,329
Progressive$1,531
MilwaukieState Farm$1,706
Country$1,886
Progressive$2,050
MolallaCountry$1,546
State Farm$1,792
Progressive$2,086
MonmouthCountry$1,213
State Farm$1,476
Progressive$1,672
NewbergCountry$1,489
State Farm$1,639
Progressive$1,873
NewportCountry$1,202
State Farm$1,369
Progressive$1,654
OntarioCountry$991
State Farm$1,131
Progressive$1,489
PortlandState Farm$1,883
Country$1,978
Progressive$2,096
PrinevilleState Farm$1,155
Country$1,199
Progressive$1,690
RoseburgCountry$1,100
State Farm$1,169
Progressive$1,591
SalemCountry$1,366
State Farm$1,549
Progressive$1,838
SandyState Farm$1,779
Country$1,859
Progressive$2,238
SherwoodState Farm$1,583
Country$1,607
GEICO$1,767
SilvertonCountry$1,403
State Farm$1,490
Progressive$1,878
SpringfieldState Farm$1,253
Country$1,362
Progressive$1,610
St. HelensState Farm$1,418
Country$1,469
Progressive$1,778
Sweet HomeState Farm$1,196
Country$1,258
Progressive$1,682
TroutdaleState Farm$1,840
Country$2,063
Progressive$2,105
TualatinCountry$1,640
State Farm$1,693
Progressive$1,860
WilsonvilleState Farm$1,439
Country$1,663
Progressive$1,807
WoodburnCountry$1,479
State Farm$1,595
Progressive$1,991

The dollar figure represents the average of a company's quotes for our 30-year-old single male driver for a year's worth of full coverage protection.

Below, to better compare auto insurance quotes in Oregon, we provide a deeper analysis into cheapest car insurance companies in:

  • Portland
  • Salem
  • Eugene
  • Gresham
  • Hillsboro

Cheap car insurance in Portland, Oregon

  • Average annual auto insurance quote = $2,750
  • 25% more expensive than Oregon average

Portland, the largest city in Oregon, is among the most expensive cities for car insurance in the state. Drivers looking for the cheapest auto insurance in Portland should add State Farm, Country and Progressive to their short list of companies to get quotes from. These three companies averaged about $1,986 for our driver’s annual rates, or a 28% discount to the Portland average.

Cheap car insurance in Salem, Oregon

  • Average annual auto insurance quote = $2,337
  • 6% more expensive than Oregon average

Car insurance rates in Salem are largely in line with the Oregon average. To find low cost auto insurance in Salem, we recommend comparing multiple quotes from insurers online. For example, the most expensive car insurance in Salem, from Farmers, was 218% the cost of a full coverage policy from the cheapest insurer, State Farm.

Cheap car insurance in Eugene, Oregon

  • Average annual auto insurance quote = $1,967
  • 11% cheaper than Oregon average

We recommend that local Eugene drivers looking to save on their auto insurance costs check out quotes from State Farm, Country and Progressive. These three companies offered the most affordable quotes in Eugene, where our sample drivers saw mean rates of $1,431 a year. These rates were $536, or 27%, cheaper compared to the Eugene average for car insurance.

Cheap car insurance in Gresham, Oregon

  • Average annual auto insurance quote = $2,995
  • 36% more expensive than Oregon average

Gresham had the most expensive average car insurance rates in our analysis of Oregon cities. Drivers in Gresham can still find low-cost coverage for their cars if they know where to look. Across the nine companies we reviewed in Gresham, we found the cheapest rates at Country, State Farm and Progressive. Auto insurance from Farmers was the most expensive with an average annual quote of $5,486 or 83% of the Gresham average.

Cheap car insurance in Hillsboro, Oregon

  • Average annual auto insurance quote = $2,466
  • 12% more expensive than Oregon average

We recommend motorists include Country, State Farm and Progressive when shopping for inexpensive car insurance quotes in Hillsboro, Oregon. Our sample driver found rates that were on average 29% cheaper among these three companies for insurance in Hillsboro.

Average cost of auto insurance in Oregon by city

The average cost of a full coverage car insurance policy in Oregon is $2,205 per year, or $184 per month. Your actual auto quotes will vary depending on where you live.

The cheapest cities for full coverage car insurance in Oregon were:

  • La Grande
  • Ontario
  • Prineville

The most expensive cities for auto insurance in Oregon tend to be more densely populated, including:

  • Gresham
  • Fairview
  • Troutdale

There were 50 cities in our Oregon study with the average annual car insurance rates for our typical driver ranked in order, from the cheapest to the most expensive.

RankCityCost of car insurance
1La Grande$1,928
2Ontario$1,940
3Prineville$1,944
4Baker City$1,944
5Central Point$1,955
6Eugene$1,967
7Corvallis$1,973
8Roseburg$1,973
9Albany$1,980
10Medford$1,983
11Bend$1,991
12Eagle Point$1,992
13Cottage Grove$1,994
14Grants Pass$1,997
15Hermiston$2,003
16Lebanon$2,003
17Ashland$2,016
18Springfield$2,027
19Sweet Home$2,046
20Klamath Falls$2,111
21Newport$2,113
22Monmouth$2,173
23Dallas$2,208
24Astoria$2,211
25Independence$2,284
26Sherwood$2,303
27Silverton$2,304
28St. Helens$2,323
29Salem$2,337
30Keizer$2,351
31McMinnville$2,361
32Wilsonville$2,381
33Tualatin$2,399
34Newberg$2,417
35Forest Grove$2,444
36Lake Oswego$2,462
37Hillsboro$2,466
38Canby$2,484
39Woodburn$2,503
40Cornelius$2,509
41Beaverton$2,514
42Gladstone$2,584
43Milwaukie$2,638
44Molalla$2,673
45Sandy$2,716
46Portland$2,750
47Happy Valley$2,755
48Troutdale$2,778
49Fairview$2,828
50Gresham$2,995

Methodology: How we conducted the study

We collected car insurance quotes for Oregon cities from nine auto insurance companies. Our sample driver was a:

  • 30-year-old male
  • Driving a 2015 Honda Civic EX

The driver was profiled as having no credit history, making him equivalent to a driver with below-fair to poor credit, according to our data source, Quadrant Information Services.

Our sample driver held full coverage car insurance with the following limits:

Coverage typeStudy limits
Bodily liability$50,000 per person/$100,000 per accident
Property damage$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

For a minimum coverage policy, our sample driver had coverage equivalent to the minimum Oregon state requirements.

Average premiums are for illustrative purposes, as individual quotes will differ based on driving history, ZIP codes, vehicle type, coverage limits chosen and other factors.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

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.

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