The most expensive auto insurer in Oregon can cost nearly three times as much as the cheapest company. To avoid spending more than you need to, it’s best to compare quotes from at least three carriers before committing to a company.
Cheapest auto insurance in Oregon: State Farm
The cheapest minimum coverage insurance policies in Oregon are offered by State Farm, Progressive and Country Financial.
These three insurance companies had the best rates for insuring a vehicle in Oregon, averaging $692 per year, or 52% below the state average.
Find Cheap Auto Insurance Quotes in Oregon
Minimum coverage auto insurance meets Oregon state law's minimum requirements. Unlike a full coverage car insurance policy, minimum coverage doesn't include comprehensive and collision insurance.
Purchasing a minimum liability policy is your cheapest option, but it may not be the ideal choice for your needs. When you are involved in an accident, a minimum coverage policy will offer reimbursement to other drivers but not your own car.
A good rule of thumb is to obtain a higher limit or additional coverage if your vehicle is new or expensive.
Cheapest company for full coverage: State Farm
If you're looking for cheap full coverage auto insurance in Oregon, State Farm, Country Financial and Progressive offer the lowest rates.
A full coverage car insurance policy includes collision and comprehensive coverage, which protects drivers against damage to their vehicles.
Collision coverage reimburses you for damages your vehicle sustains in a crash. Meanwhile, comprehensive coverage reimburses you for accidents caused by factors out of your control such as theft, natural disasters and fires.
Car owners who have a vehicle less than 3 years old or worth more than $3,000 should strongly consider purchasing more than the minimum required protection.
Cheap car insurance for drivers with prior incidents
Oregon drivers with a history of speeding, accidents and DUIs have higher car insurance premiums, on average, compared to drivers with a clean record. nsurance companies use your driving history to assess how risky it would be to insure you.
Typically, drivers who have been in an accident or have been caught committing a traffic violation are more likely to repeat those actions. For drivers who fall into one of these categories, we've evaluated what your rates might look like:
Find Cheap Auto Insurance Quotes in Oregon
Cheapest for drivers with an accident: State Farm
Our analysis found that State Farm and Country Financial have the most affordable full coverage rates for drivers with an accident history. Car owners insured under these two companies paid less than half the state average premium for those who have been in accidents.
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 ($2,332) versus a policy with one accident ($3,659) was $1,327.
Cheapest car insurance for people with a speeding ticket: State Farm
Customers from State Farm and Country Financial receive the most inexpensive rates in Oregon. State Farm's average annual premium for their drivers with speeding tickets costs $1,396 — a $127 increase compared to a State Farm driver with a clean history.
Speeding citations are an indicator to insurers that you are risky to invest in. As a result, drivers with speeding tickets will receive a much higher premium rate for a full coverage policy than drivers who have never had a record of traffic violation.
Cheapest car insurance for drivers with a DUI: State Farm
The insurer that offers the best cheapest rates for Oregon drivers is State Farm. Other options you can look into include Country Financial and Progressive, which have rates below the state average but are nearly $1,000 more expensive than State Farm.
DUIs are a serious crime that can not only come with physical and legal punishments, but also financial repercussions. Drivers who have been charged with a DUI spend 36% more for a full coverage car insurance policy than drivers with a clean record.
Cheapest car insurance for drivers with poor credit: State Farm
Drivers with no credit history or poor credit can find the cheapest rates with State Farm and Country Financial.
Insurance companies use credit score as one of the factors in determining rates because there is a statistical correlation between accident rates and credit.
Cheapest car insurance for married drivers: Country Financial
Auto insurance is slightly cheaper for married drivers compared to single drivers. For instance, drivers insured under Country Financial, which has the cheapest annual rates for married drivers, pay $230 less than their single counterparts.
Cheapest car insurance for young drivers: Country Financial
Young drivers insured under Country Financial received the cheapest minimum and full policy insurance.
Inexperienced drivers in their teens or 20s often receive higher insurance premiums than drivers in their 30s and 40s. For instance, our 18-year-old sample driver paid nearly three times as much as our 30-year-old sample driver for a full coverage policy. This is because young drivers are statistically more likely to be involved in an accident than older drivers.
*USAA is excluded from rankings because it is only available to current and former military members and their families.
If you've already compared car insurance from multiple companies and still find the costs to be unaffordable, we recommend the following:
- Consider a combined policy with your parents. A combined insurance policy will increase your parents' annual premium, but it will be significantly cheaper than having two different insurance policies.
- Look into discounts. Most insurers will have a menu of discounts that you potentially already qualify for. There are discounts for attending safe driving classes, installing anti-theft devices in your car or obtaining good grades in school.
Cheapest for young drivers with one accident: Country Financial
Driving with an accident history on your record will likely increase your rates. Despite the price increase, Country Financial still offers the cheapest average premium for a full coverage policy.
One of the best ways drivers can obtain their ideal rates is by comparing premiums at multiple companies. Two other companies that you should contact for quotes are State Farm and Nationwide. Despite being substantially more expensive than Country Financial, they have rates below the state average for a young driver with an accident history.
For a young person with already high premiums, the price increase resulting from an accident can make your insurance rates almost unaffordable. Getting into even one accident increased our 18-year-old sample driver's annual premiums by an average of $2,271.
Cheapest for young drivers with one speeding ticket: Country Financial
If you're young and have been caught speeding, the best insurer to contact for affordable rates is Country Financial, which has a monthly rate of $319. The next cheapest option is State Farm, which is $420 more expensive than Country Financial.
Best car insurance companies in Oregon
Based on our ValuePenguin survey, USAA is the best car insurer when considering customer reviews and feedback.
Unfortunately, USAA is only available to current and former military members. Therefore, we recommend the average driver contact American Family and State Farm for quote estimates. Both are not only inexpensive but they also had more than 70% of customers stating they were satisfied with their more recent claim.
Percentage of respondents overall extremely satisfied with most recent claim
Percentage of respondents who rated customer service as "excellent"
Overall rank takes both claim satisfaction and customer service rankings into account.
We also looked at confirmed complaints policyholders submitted to the Insurance Division at the Oregon Department of Consumer and Business Services to measure customer satisfaction and company responsiveness. The lower the complaint index figure, the better the company performed relative to its peers.
PEMCO, Country Financial and Farmers received the least complaints relative to their market share, indicating higher customer satisfaction levels.
2019 NAIC complaint index
2020 J.D. Power Claims Satisfaction
AM Best Rating
Average cost of auto insurance in Oregon by city
The average cost of a full coverage car insurance policy in Oregon is $2,332 per year, or $194 per month.
Your actual auto quotes will vary depending on where you live, as each city varies in terms of density, crime rate and accident frequency.
The cheapest cities for full coverage car insurance in Oregon were Baker City, La Grande and Vale. Meanwhile, the most expensive cities for auto insurance in Oregon tend to be more densely populated, such as Maywood Park, Gresham and Fairview.
Average annual cost
Percent from average
Oregon rate changes by company
In Oregon, auto insurance providers decreased their premiums by 2.4% in 2020 , continuing the trend of lower premium rates observed in the past year. State Farm shows the most significant decrease in premiums, with rates down by 14.2% compared to 2019 — over five times greater than the closest competitor, Progressive, with its 2.7% rate decrease in 2020. Several other insurance providers in Oregon, such as Geico and USAA, opted not to change premium rates at all in 2020.
Premiums written (millions) 2019
Rate change 2019
Rate change 2020
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 insurance, as well as the following minimum coverage requirements:
While your car insurance policy may meet Oregon's minimum requirements, it may not offer the best protection suited to your needs.
We recommend 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.
Recap of the cheapest auto insurance in Oregon
- Minimum coverage: State Farm
- Full coverage: State Farm
- After an at-fault accident: State Farm
- After a speeding ticket: State Farm
- After a DUI: State Farm
- Poor credit history: State Farm
- Very good credit history: State Farm
- Married couples: State Farm
- Young drivers: Country Financial
- Young drivers with one accident: Country Financial
- Young drivers with speeding ticket: Country Financial
We collected thousands of rates from ZIP codes across Oregon for the largest 10 insurers. We used a sample driver with the following profile:
- 30-year-old man
- Drives a 2015 Honda Civic EX
- Average credit
The base policy for the study was a full-coverage policy with the following limits:
|Bodily liability||$50,000 per person/$100,000 per accident|
|Personal injury protection||$10,000|
|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 our minimum-coverage policy, we quoted a policy with the minimum required limits in Oregon, above.
For other rates analyses (age, credit score, accident history and marriage status) the base policy listed above was alternated to reflect the new driver.
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.