Who Has the Best Car Insurance Quotes in Oregon? (2023)
Who Has the Best Car Insurance Quotes in Oregon? (2023)
State Farm has the best cheap car insurance in Oregon, at $39 per month for minimum coverage quotes and $67 per month for full coverage.
Best cheap car insurance in Oregon
To help drivers in Oregon find the best cheap auto insurance, our editorial team collected quotes from top companies across every ZIP code in the state. Quotes for minimum coverage meet the Oregon state minimum requirements of $25,000 in bodily injury liability coverage per person and $50,000 per accident, and the same amount in uninsured motorist coverage, along with $20,000 in property damage protection and $15,000 in personal injury protection (PIP). Full-coverage quotes include comprehensive and collision coverage, in addition to higher liability limits than state minimums.
We also rated the best auto insurance companies in Oregon based on insurance costs for different drivers, customer service reviews, coverage availability and convenience.
Cheapest car insurance in Oregon: State Farm
State Farm has the cheapest minimum-coverage insurance quotes in Oregon. At $39 per month, its rate is 51% less than the state average.
The average cost of car insurance in Oregon is $79 per month, or $950 per year, for minimum-coverage insurance.
Find Cheap Auto Insurance Quotes in Oregon
The most expensive auto insurance in Oregon costs three times as much as the cheapest company. To avoid spending more than you need to, you should compare quotes from multiple companies before buying a policy.
Cheapest Oregon car insurance companies
Company | Monthly rate | |
|---|---|---|
| State Farm | $39 |
| Country Financial | $52 |
| Progressive | $71 |
| American Family | $74 |
| Travelers | $93 |
USAA is only available to current and former military members and their families.
A minimum-coverage policy meets Oregon's auto insurance requirements and is the cheapest way to legally drive in the state. However, it may not be a good choice based on your needs.
If you're involved in an accident, a minimum-coverage policy will cover a limited amount of damage to the other driver's vehicle and their injuries. The low liability limits included in minimum-coverage insurance may not offer enough protection if you're in a serious accident.
In addition, minimum-coverage policies don't include comprehensive and collision coverages. That means your insurance company won't pay to repair damage to your own car.
For this reason, we recommend most drivers in Oregon purchase a full-coverage auto insurance policy rather than minimum coverage.
Cheapest full-coverage quotes in Oregon: State Farm
State Farm offers the cheapest rate for full-coverage insurance in Oregon as well, at $67 per month, or $806 per year. That's 56% cheaper than the state average.
Company | Monthly rate |
|---|---|
| State Farm | $67 |
| Country Financial | $104 |
| American Family | $141 |
| Progressive | $156 |
| Travelers | $188 |
USAA is only available to current and former military members and their families.
Full-coverage auto insurance in Oregon costs $152 per month, or $1,820 per year, on average — $73 more per month 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 an accident, regardless of whose fault it is. Comprehensive coverage pays for damage resulting from events beyond your control, like hail or theft. Both coverage types are typically required with a car loan or lease.
Cheap car insurance quotes for drivers with prior incidents
State Farm has the best cheap car insurance in Oregon for drivers with issues on their driving records.
Oregon drivers with a history of speeding, accidents and DUIs have higher car insurance rates, most of the time. Typically, drivers who have caused an accident or have been caught committing a traffic violation are more likely to repeat those actions, making them riskier to insure.
Cheapest car insurance quotes with a ticket: State Farm
State Farm has the least expensive car insurance rates in Oregon for drivers who have a speeding ticket. The company's average rate for a full-coverage policy is $72 per month. That's an increase of only $5 per month compared to a driver with a clean history, and 63% cheaper than the state average.
Company | Monthly rate |
|---|---|
| State Farm | $72 |
| Country Financial | $138 |
| American Family | $167 |
| Progressive | $210 |
| Allstate | $229 |
In Oregon, a single speeding ticket increases insurance rates by 28%, on average.
Cheapest car insurance in OR after an accident: State Farm
State Farm has the most affordable full-coverage quote for drivers with an accident history, at $85 per month. Rates for Oregon drivers who have caused an accident average $238 per month, but coverage from State Farm is 64% cheaper.
Company | Monthly rate |
|---|---|
| State Farm | $85 |
| Country Financial | $153 |
| American Family | $238 |
| Progressive | $256 |
| Travelers | $270 |
Average quotes for a full-coverage policy increase by about $87 a month after an at-fault accident. However, every insurance company treats an accident differently. The most expensive company, Geico, increases rates by $169 per month. On the other hand, State Farm raises rates by only $18 per month.
Cheapest car insurance after a DUI: State Farm
State Farm offers the cheapest quote for Oregon drivers with a DUI, at $72 per month for full coverage. Other cheap companies include Country Financial and Progressive, which also cost less than the state average of $229 per month after a DUI.
Company | Monthly rate |
|---|---|
| State Farm | $72 |
| Country Financial | $161 |
| Progressive | $188 |
| Allstate | $257 |
| American Family | $260 |
A DUI is a serious crime that not only comes with legal punishments, but also serious financial repercussions. Drivers with a DUI spend an average of 51% more for a full-coverage car insurance policy than drivers with a clean record. In addition, drivers in Oregon may have to get SR-22 insurance after a DUI, which can increase your insurance costs even more.
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. A full-coverage policy from State Farm costs $166 per month, which is 36% cheaper than the state average.
Company | Monthly rate |
|---|---|
| State Farm | $166 |
| Country Financial | $173 |
| Progressive | $235 |
| American Family | $247 |
| Geico | $289 |
Your credit score doesn't have anything to do with your ability to drive a car, but drivers with bad credit are statistically more likely to make claims. Auto insurance for Oregon drivers with poor credit is 71% more expensive than for drivers with good credit.
Cheapest car insurance quotes for young drivers: Country Financial
Country Financial has the cheapest car insurance quotes for teen drivers in Oregon.
A minimum-coverage policy from Country Financial costs $102 per month for an 18-year-old driver. That's $141 less per month than the average rate for young drivers in Oregon, which is $243 per month. At $199 per month, full coverage from Country Financial is $283 less per month than the Oregon average.
Cheapest Oregon car insurance companies for teens
Company | Minimum coverage | Full coverage |
|---|---|---|
| Country Financial | $102 | $199 |
| State Farm | $116 | $200 |
| Geico | $193 | $409 |
| Travelers | $256 | $525 |
| American Family | $272 | $545 |
Inexperienced drivers often pay higher insurance rates than drivers in their 30s and 40s because young drivers are more likely to cause an accident. In Oregon, an 18-year-old driver can expect to pay three times more for car insurance than a 30-year-old.
If you've already compared car insurance from multiple companies and still find the costs unaffordable, there are several options you can look at.
- Consider sharing a policy with your parents: A combined insurance policy will increase your parents' rates, but it can save you around 62% versus buying separate policies.
- Research discounts: Most insurance companies have a list of discounts you may 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 teen 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 costs $125 per month — 58% cheaper than the state average.
Company | Monthly rate |
|---|---|
| State Farm | $125 |
| Country Financial | $138 |
| Geico | $251 |
| American Family | $305 |
| Travelers | $318 |
An 18-year-old driver with a speeding ticket can expect to pay 21% more for car insurance than a young driver with a clean record in Oregon. However, State Farm only increases its rate by 8%, or $9 per month.
Cheapest car insurance for young drivers after an accident: State Farm
State Farm has the best minimum-coverage quotes for young drivers with an at-fault accident, edging out Country Financial. State Farm's average rate is $150 per month, which is 55% lower than the average in Oregon.
Company | Monthly rate |
|---|---|
| State Farm | $150 |
| Country Financial | $156 |
| Geico | $328 |
| Travelers | $361 |
| Progressive | $370 |
The average rate goes up by 38% in Oregon after an 18-year-old driver gets into an at-fault accident. That's an average increase of $93 per month.
Cheapest car insurance for married drivers: State Farm
State Farm has the best quotes for full-coverage car insurance for married drivers in Oregon, even though it doesn't give them a discount. Full-coverage insurance from State Farm costs $67 per month, which is 54% cheaper than average.
Company | Monthly rate per car |
|---|---|
| State Farm | $67 |
| Country Financial | $90 |
| Progressive | $123 |
| American Family | $141 |
| Travelers | $188 |
Married drivers in Oregon pay about 4% less for car insurance than unmarried drivers. Progressive drivers receive the biggest discount, 21%, but coverage is still $56 per month more expensive than at State Farm.
Best car insurance companies in Oregon
State Farm is our pick for the best insurance in Oregon for most drivers based on its reputation for great customer service, affordable quotes and availability.
Some Oregon drivers can also take advantage of great service and cheap rates from USAA. However, car insurance from USAA is only available to current and former military members, as well as some military family members, so most people don't qualify.
Best Oregon auto insurance
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Geico | 835 | A++ | |
| American Family | 838 | A | |
| Travelers | 829 | A++ |
Choosing a car insurance company with a great reputation is as important as finding the cheapest quotes.
The quality of service you receive is especially important if you ever have to file a claim. A company with dependable customer service can help you get back on the road quickly after an accident. Bad service can make the claims process stressful, and you could end up paying more out of pocket.
Average cost of car insurance in Oregon by city
The cheapest car insurance quote in Oregon can be found in La Grande, a city in the northeastern corner of the state, for $131 per month.
Drivers in the Portland suburb of Maywood Park pay the highest rate in the state, $204 per month.
Auto insurance quotes in Oregon vary by $73 per month for a full-coverage policy, depending on where you live.
City | Average monthly cost | Percentage difference from average |
|---|---|---|
| Adams | $137 | -9% |
| Adel | $139 | -8% |
| Adrian | $137 | -9% |
| Agness | $139 | -8% |
| Albany | $136 | -10% |
Minimum auto insurance requirements in Oregon
Drivers in Oregon must purchase a minimum amount of bodily injury and property damage insurance to drive legally, which is sometimes written as 25/50/20. Drivers in Oregon are also required to have matching uninsured motorist bodily injury limits, as well as $15,000 of personal injury protection (PIP).
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 |
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.
While your car insurance policy may meet Oregon's minimum requirements, it might not offer enough protection for many drivers.
We recommend most Oregon drivers purchase higher liability coverage limits. If you are in an expensive accident, minimum coverage may not be enough to cover all of the damage, and you may have to pay out of pocket.
Frequently asked questions
What is the cheapest car insurance in Oregon?
State Farm has the best car insurance rates in Oregon, at $39 per month for a state-minimum policy and $67 per month for full-coverage insurance.
How much is car insurance in Oregon?
The average price of car insurance in Oregon is $79 per month for state-minimum coverage and $152 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, the same amounts in uninsured motorist protection, $20,000 of property damage liability, and $15,000 of personal injury protection insurance.
How much is car insurance in Portland?
The average car insurance quote in Portland is 22% higher than the state average, at $186 per month for a full-coverage policy. The Portland suburb of Maywood Park has the most expensive car insurance rate in Oregon, at $204 per month.
Methodology
We collected thousands of rates from ZIP codes across Oregon for the state's largest insurers. Unless otherwise noted, rates are for a 30-year-old man with good credit who drives a 2015 Honda Civic EX.
Full-coverage quotes include the following limits:
Coverage | Limits |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Property damage liability | $25,000 per accident |
| Personal injury protection (PIP) | $15,000 |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$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 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.