Who Has the Best Car Insurance Quotes in Oregon? (2022)
Who Has the Best Car Insurance Quotes in Oregon? (2022)
State Farm has the best cheap car insurance in Oregon, at $503 per year, or $42 per month, for minimum liability coverage.
The most expensive auto insurer in Oregon costs nearly three times as much as the cheapest company. To avoid spending more than you need to, compare quotes from multiple companies before committing to a policy.
Cheapest car insurance in Oregon: State Farm
State Farm has the cheapest minimum-coverage insurance policy in Oregon. At $503 a year, its rates are 49% less than the state average.
The average cost of car insurance in Oregon is $996 per year, or $83 per month, for minimum liability insurance.
Find Cheap Auto Insurance Quotes in Oregon
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $503 | $42 |
| Country Financial | $651 | $54 |
| American Family | $977 | $81 |
| Progressive | $1,045 | $87 |
| Geico | $1,113 | $93 |
| Nationwide | $1,247 | $104 |
| Allstate | $1,302 | $109 |
| Farmers | $1,496 | $125 |
| USAA | $630 | $53 |
USAA is only available to current and former military members and their families.
Minimum-coverage policies meet Oregon's auto insurance requirements, and are the cheapest way to insure your vehicle. However, unlike a full-coverage car insurance policy, minimum liability doesn't include comprehensive and collision coverages.
Purchasing a minimum liability policy is your cheapest option, but it may not be the best choice based on your needs. If you're involved in an accident, a minimum-coverage policy will cover damage to the other driver's vehicle and their injuries, but not damage to your own car.
For this reason, we recommend purchasing a full-coverage auto insurance policy rather than a minimum-coverage policy.
Cheapest full-coverage car insurance in Oregon: State Farm
State Farm offers the cheapest rates for full-coverage insurance in Oregon as well — $891 a year, or $74 a month. That's 52% cheaper than the state average.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $891 | $74 |
| Country Financial | $1,312 | $109 |
| American Family | $1,838 | $153 |
| Progressive | $1,957 | $163 |
| Nationwide | $2,209 | $184 |
| Allstate | $2,372 | $198 |
| Geico | $2,419 | $202 |
| Farmers | $2,449 | $204 |
| USAA | $1,180 | $98 |
USAA is only available to current and former military members and their families.
Full-coverage auto insurance in Oregon costs $1,848 per year, or $154 per month, on average — $71 a month more than a minimum-coverage policy.
In addition to liability coverage, full coverage includes comprehensive and collision coverages. Collision coverage pays for damage to your own car when you're in control of the vehicle, while comprehensive coverage pays for damage resulting from incidents beyond your control, such as hail or theft.
Cheap car insurance for drivers with prior incidents
Oregon drivers with a history of speeding, accidents and DUIs have higher car insurance rates, on average. Typically, drivers who have been in an accident or have been caught committing a traffic violation are more likely to repeat those actions, making them riskier to insure. We found that State Farm has the best rates for drivers with an imperfect record.
Cheapest car insurance after a speeding ticket: State Farm
State Farm has the least expensive rates in Oregon for drivers who have a speeding ticket. The company's average annual premium for a full-coverage policy is $979 — an $88 increase compared to a driver with a clean history, and 58% below the state average.
In Oregon, a single speeding ticket will increase your insurance rates by up to 27%, on average.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $979 | $82 |
| Country Financial | $1,751 | $146 |
| American Family | $2,186 | $182 |
| Progressive | $2,644 | $220 |
| Nationwide | $2,673 | $223 |
| Allstate | $2,818 | $235 |
| Geico | $3,162 | $264 |
| Farmers | $3,421 | $285 |
| USAA | $1,505 | $125 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance after an accident: State Farm
State Farm also has the most affordable full-coverage rates for drivers with an accident history. Rates for Oregon drivers who have caused an accident average $2,929 per year, but State Farm's rates are 61% lower, at $1,155.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,155 | $96 |
| Country Financial | $1,942 | $162 |
| American Family | $3,077 | $256 |
| Progressive | $3,190 | $266 |
| Nationwide | $3,342 | $279 |
| Farmers | $3,403 | $284 |
| Allstate | $3,999 | $333 |
| Geico | $4,492 | $374 |
| USAA | $1,761 | $147 |
*USAA is only available to current and former military members and their families.
Average rates for a full-coverage policy increase by about $1,081 a year after an at-fault accident. However, every insurer treats an accident differently. The most expensive insurer, Geico, increases rates by more than $2,000. On the other hand, State Farm raises rates by only $264.
Cheapest car insurance after a DUI: State Farm
State Farm offers the cheapest rates for Oregon drivers with a DUI, at $2,016 per year. Other cheap companies include Country Financial and Progressive, which also have rates below the state average of $3,003 per year after a DUI.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $2,016 | $168 |
| Country Financial | $2,042 | $170 |
| Progressive | $2,330 | $194 |
| Allstate | $3,171 | $264 |
| Farmers | $3,281 | $273 |
| American Family | $3,403 | $284 |
| Nationwide | $4,210 | $351 |
| Geico | $4,623 | $385 |
| USAA | $1,947 | $162 |
*USAA is only available to current and former military members and their families.
A DUI is a serious crime that can not only come with legal punishments, but also financial repercussions. Drivers who have been charged with a DUI spend an average 56% more for a full-coverage car insurance policy than drivers with a clean record.
Cheapest car insurance for drivers with poor credit: State Farm
State Farm offers the best rates for Oregon drivers with a low credit score or no credit history. The state average is $2,786 a year, but State Farm's rate is $903 cheaper, at $1,883 per year for full coverage.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,883 | $157 |
| Country Financial | $1,955 | $163 |
| Nationwide | $2,782 | $232 |
| American Family | $2,944 | $245 |
| Progressive | $3,004 | $250 |
| Geico | $3,077 | $256 |
| Farmers | $3,568 | $297 |
| Allstate | $3,588 | $299 |
| USAA | $2,273 | $189 |
*USAA is only available to current and former military members and their families.
Your credit score does not have anything to do with your ability to drive a car, but drivers with poor credit are statistically more likely to make claims. Auto insurance for Oregon drivers with poor credit is 51% more expensive than for drivers with average credit.
Cheapest car insurance for married drivers: State Farm
Married drivers in Oregon pay slightly less — about 5%, on average — for car insurance than unmarried drivers. State Farm did not give married drivers a discount in Oregon, but still had the best rate for full-coverage car insurance, at $891 per year. Progressive drivers received the biggest discount, at nearly 15% — $284 per year less than Progressive's average full-coverage rate.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $891 | $74 |
| Country Financial | $1,137 | $95 |
| Progressive | $1,673 | $139 |
| American Family | $1,838 | $153 |
| Nationwide | $2,025 | $169 |
| Farmers | $2,312 | $193 |
| Allstate | $2,357 | $196 |
| Geico | $2,516 | $210 |
| USAA | $1,047 | $87 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for young drivers: Country Financial
If you're a young driver shopping for affordable minimum-coverage car insurance, we recommend starting your search with Country Financial. The company's average rate of $1,271 per year is 59% cheaper than the average rate for young drivers in Oregon.
Inexperienced drivers often pay higher insurance premiums than drivers in their 30s and 40s because young drivers are statistically more likely to be involved in accidents. In Oregon, an 18-year-old driver can expect to pay three times as much as a 30-year-old for a minimum-coverage policy.
Company | Liability only | Full coverage |
|---|---|---|
| Country Financial | $1,271 | $2,547 |
| State Farm | $1,497 | $2,675 |
| Geico | $2,260 | $4,992 |
| American Family | $3,591 | $7,103 |
| Allstate | $3,913 | $8,307 |
| Nationwide | $3,941 | $7,192 |
| Progressive | $4,915 | $9,760 |
| Farmers | $4,992 | $7,678 |
| USAA | $1,236 | $2,293 |
*USAA 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 unaffordable, you can:
- 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 separate insurance policies.
- Research discounts: Most insurers have a list of discounts you potentially already qualify for. There are discounts for attending safe driving classes, installing anti-theft devices in your car or getting good grades in school.
Cheapest car insurance for young drivers after a speeding ticket: State Farm
State Farm has the best rates for young Oregon drivers with a speeding ticket. Minimum-coverage auto insurance from State Farm is $1,662 — 54% cheaper than the state average.
An 18-year-old driver with a speeding ticket can expect to pay 18% more for car insurance than a driver of the same age with a clean record in Oregon. However, State Farm only increases its rate by 10%, or $165 a year.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,662 | $139 |
| Country Financial | $1,725 | $144 |
| Geico | $2,930 | $244 |
| American Family | $4,031 | $336 |
| Nationwide | $4,247 | $354 |
| Allstate | $4,839 | $403 |
| Progressive | $5,245 | $437 |
| Farmers | $6,395 | $533 |
| USAA | $1,593 | $133 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for young drivers after an accident: Country Financial
Country Financial has the best minimum-coverage rates for young drivers with an accident. The average annual premium is $1,948, which is 52% lower than the average in Oregon. The average annual rate goes up by 33% after an 18-year-old driver gets into an at-fault accident, from $3,068 to $4,085.
Company | Annual rate | Monthly rate |
|---|---|---|
| Country Financial | $1,948 | $162 |
| State Farm | $1,990 | $166 |
| Geico | $3,838 | $320 |
| Nationwide | $4,383 | $365 |
| American Family | $5,402 | $450 |
| Allstate | $5,442 | $454 |
| Progressive | $5,713 | $476 |
| Farmers | $6,253 | $521 |
| USAA | $1,797 | $150 |
*USAA is only available to current and former military members and their families.
Best car insurance companies in Oregon
USAA is our pick for the best insurer in Oregon based on its high rating from our editors, excellent financial stability marks and top J.D. Power customer satisfaction score. However, USAA is only available to current and former military members, as well as some military family members.
We recommend State Farm for drivers who don't qualify for USAA. The company also received strong scores across the board, and offers some of the best rates in the state.
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| State Farm | 844 | A++ | |
| American Family | 823 | A | |
| Geico | 821 | A++ | |
| Farmers | 813 | A | |
| Nationwide | 786 | A+ | |
| Country Financial | 850 | A+ | |
| Allstate | 825 | A+ | |
| Progressive | 817 | A+ | |
| USAA | 884 | A++ |
A.M. Best awarded all the companies we researched a financial strength rating of "A" or better, indicating an "Excellent" or "Superior" ability to pay out claims, even in difficult economic situations.
Average car insurance cost in Oregon by city
Auto insurance rates in Oregon can vary by nearly $1,000 per year for a full-coverage policy, depending on where you live.
The cheapest car insurance in the state can be found in Coos Bay, where rates are 15% lower than the state average. Drivers in Maywood Park pay the highest rates in the state — 38% above average.
City | Average annual rate | Percent from average |
|---|---|---|
| Adams | $1,662 | -10% |
| Adel | $1,682 | -9% |
| Adrian | $1,653 | -11% |
| Agness | $1,675 | -9% |
| Albany | $1,606 | -13% |
Minimum auto insurance requirements in Oregon
As in almost every state, Oregonians must purchase a minimum required amount of auto insurance to drive legally.
Oregon is unique in that it is not a no-fault state, but it does require drivers to carry personal injury protection insurance as part of its minimum-coverage requirements.
Coverage | Limits |
|---|---|
| Bodily injury liability | $25,000 per person/$50,000 per accident |
| Property damage liability | $20,000 |
| Uninsured motorist bodily injury | $25,000 per person/$50,000 per accident |
| Personal injury protection (PIP) | $15,000 |
While your car insurance policy may meet Oregon's minimum requirements, it might not offer the best protection suited to your needs.
We recommend most Oregon drivers consider opting 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 car insurance in Oregon
- Minimum coverage: State Farm
- Full coverage: State Farm
- After a speeding ticket: State Farm
- After an at-fault accident: State Farm
- After a DUI: State Farm
- Poor credit history: State Farm
- Married drivers: State Farm
- Young drivers: Country Financial
- Young drivers after a ticket: State Farm
- Young drivers after an accident: Country Financial
Frequently asked questions
What is the cheapest car insurance in Oregon?
State Farm has the best car insurance rates in Oregon, at $42 per month for a state-minimum policy and $74 per month for full-coverage insurance.
How much is car insurance in Oregon?
The average price of car insurance in Oregon is $83 per month for state-minimum coverage and $154 per month for a full-coverage policy.
What is the minimum auto insurance coverage in Oregon?
Oregon drivers need at least $25,000 per person and $50,000 per accident of bodily injury liability coverage, $20,000 of property damage liability, and $15,000 of personal injury protection insurance. They're also required to have $25,000 per person and $50,000 per accident of uninsured motorist protection.
What is the average car insurance cost in Portland?
Car insurance rates in Portland are 24% higher than the state average, at $2,295 a year for a full-coverage policy.
Methodology
We collected thousands of rates from ZIP codes across Oregon for the state's largest insurers. Rates are for a 30-year-old male with average credit who drives a 2015 Honda Civic EX.
Coverage | Limits |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Property damage liability | $25,000 per accident |
| Personal injury protection (PIP) | $10,000 |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
For our minimum-coverage policy, we used the minimum required limits in Oregon. Young driver quotes were calculated with minimum liability limits.
Other rate analyses were quoted based on a full-coverage policy and altered to reflect the driver's age, credit score, accident history or marital status. Quotes for young drivers are based on minimum-coverage insurance.
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.
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.