A major factor that influences how much drivers pay for auto insurance is where they live and garage their car - and that's also the case for Beaver State motorists. To measure the role of location and companies in insurance costs, we looked at car insurance quotes for two sample drivers across 54 cities and 17 insurers in Oregon.
The analysis revealed that the most expensive provider cost 6.2x as much as the cheapest auto insurance company in Oregon on average. That's why drivers looking fo the cheapest insurance for their cars should shop around for quotes from at least three companies before deciding. The cheapest company in Oregon had quotes that were 49% below the state mean of $1,134 that our two benchmark drivers saw, while the most expensive company was 219% higher. Cities in the state fell within 25% of this average, ranging from $1,038 in Corvallis as the most affordable city to $1,412 in Gresham. Enter your zip code above to see a list of companies underwriting in your neighborhood.
- Cheapest Auto Insurance Quotes in OR
- Best Car Insurance Rates in OR: by City
- Best Auto Insurance Companies in OR
- Average Cost of Car Insurance: by City
To find the cheapest car insurance in Oregon, we compared quotes from 17 companies for two typical drivers in the state. We found that GEICO, Oregon Mutual, USAA, Country, and Mutual of Enumclaw were the five carriers with the best rates for insuring a vehicle. Our two motorists saw an average quote for a basic liability policy for their Toyota to be about $691 a year among these companies, which was a 39% savings compared to the state mean. Keep in mind that USAA is only valid for members of the armed forces and their relatives. With Kingsley Field Air National Guard Base and multiple Coast Guard stations in the state, this is especially good news for the estimated 17,000 personnel and their family members. For the general population, Grange Insurance rounds out the top five most affordable companies list in Oregon.
Find The Cheapest Auto Insurance Quotes In Your Area
|Rank||Auto Insurance Company||Average Annual Rates||Change vs. OR Avg|
To determine who had the best auto insurance rates on a more hyperlocal level, we ranked annual rates from 17 companies in each city. The three providers with the lowest rates were determined to have the best rates; we suggest that consumers looking to save on their car insurance should include at least these three companies when they're shopping for quotes. The dollar figure represents that average of quotes for our 30 year old and 65 year old single male drivers for a year's worth of basic liability protection.
|City||Cheapest Insurer #1||Cheapest Insurer #2||Cheapest Insurer #3|
|Portland||GEICO||$708||Oregon Mutual||$864||Mutual of Enumclaw||$888|
|Astoria||GEICO||558||Oregon Mutual||624||Mutual of Enumclaw||744|
|Baker City||GEICO||576||Oregon Mutual||630||Country||648|
|Brookings||GEICO||564||Country||660||Mutual of Enumclaw||702|
|Coos Bay||GEICO||546||Country||660||Mutual of Enumclaw||708|
|Cottage Grove||GEICO||564||Country||672||Mutual of Enumclaw||702|
|Grants Pass||GEICO||528||Oregon Mutual||642||Country||660|
|Hood River||GEICO||558||Oregon Mutual||630||Country||660|
|John Day||GEICO||576||Oregon Mutual||630||Country||648|
|Klamath Falls||GEICO||570||Country||660||Oregon Mutual||666|
|La Grande||GEICO||576||Oregon Mutual||630||Country||648|
|Lake Oswego||GEICO||636||Oregon Mutual||750||Country||810|
|Lincoln City||GEICO||576||Oregon Mutual||624||Mutual of Enumclaw||744|
|McKenzie Bridge||GEICO||618||Country||672||Mutual of Enumclaw||708|
|Molalla||GEICO||666||Amica||762||Mutual of Enumclaw||762|
|Newport||GEICO||528||Oregon Mutual||624||Mutual of Enumclaw||720|
|Rogue River||GEICO||558||Oregon Mutual||642||Country||660|
|Saint Helens||GEICO||552||Oregon Mutual||708||Grange||834|
|Seaside||GEICO||588||Oregon Mutual||624||Mutual of Enumclaw||744|
|The Dalles||Oregon Mutual||630||GEICO||630||Country||660|
|Tillamook||GEICO||612||Oregon Mutual||624||Mutual of Enumclaw||738|
The largest city in Oregon takes the second spot on our list, with an average annual cost that at $1,411 is 24% higher than the state average. Its unofficial slogan is “Keep Portland Weird.” Though the city was purchased for a grand total of 25 cents in 1843, it is quickly becoming a hotspot for young college grads over bigger cities like New York and San Francisco. It is cleaved by the Willamette River and is considered one of the greenest cities in the U.S.
Drivers looking for the cheapest car insurance rates in Portland should add GEICO, Oregon Mutual, Mutual of Enumclaw, and Amica to their short list of companies to get quotes from. USAA is available too, if you or one of your relatives either enlisted in or retired from military service. In total, these five companies averaged about $845 for our drivers' annual rates compared to the $1,411 that the typical carrier charged in Portland. At $845 a year, rates were $566 or 40% cheaper. Our single 30 year old man, who had no accidents or traffic tickets in the past five years, found that his best quotes in Portland at GEICO, USAA, and Amica. His annual premium across the three companies was $832 a year, which was 43% more affordable compared to the 17-company composite. For a single 65 year old male driver, we'd suggest getting quotes from GEICO, Oregon Mutual, Mutual of Enumclaw, USAA, and Grange, which had the five best rates for our guy. Averaging $806, his rates at these five cheapest companies were about $545 lower than the citywide average for him.
Oregon's capital, Salem is home to 161,000 residents who are employed by the government and various private enterprises. Its economy has historically been grounded in agriculture, and the city is nicknamed "Cherry City" in recognition of the large production of cherries once grown here. It's a great city to live in, with nearly 1,900 acres of green space, Silver Falls State Park, down to the museums and carousel on the Salem waterfall.
We found the best auto insurance quotes at GEICO, Oregon Mutual, Country, USAA, and Grange for our two male motorists and their Toyotas. Compared to the Salem average of $1,202, these five companies' rates were about 39% cheaper at $737 for a year's worth of basic liability protection. That 39% translates into $465 of savings, on average, back into our policyholders' pockets. USAA, as we've mentioned, is a specialty insurer, so check that you've had military affiliation, or a relative with such association to see if you're eligible. Mutual of Enumclaw would round out the top five companies for civilians when we exclude USAA. In particular, our 65 year old single man got the lowest cost quotes at GEICO, Oregon Mutual, and Country Insurance, with rates averaging $680 a year ($472 or 41% better than average).
The city has been recognized for bicycling and track by various publications, and we’re adding another accolade. Eugene takes the fourth spot in our roundup of the cheapest auto insurance in Oregon, with an average annual cost of $1,051, 7% less than the state average. The city is known for its breathtaking natural beauty, including a view of Spencer Butte, the surrounding mountains, and two rivers. Eugene is full of cooperative projects, good community involvement, and ingenuity. The city is the birthplace of Nike, Inc. and home to the University of Oregon.
We recommend that Eugene drivers looking to save on their auto insurance costs check out quotes from GEICO, Country, Oregon Mutual, and Mutual of Enumclaw. Include USAA if you are in the military or are related to someone who is. The most affordable quotes in Eugene were at these five companies, where our two sample drivers saw mean rates of $659 a year. These rates were $393 or 37% cheaper compared to the average of 17 companies underwriting here.
Gresham makes the top of our list of the most expensive cities. Located in Multnomah County slightly east of Portland, Gresham beats out the larger city for the top spot by 1%. The average annual rate for auto insurance in Gresham is $1,412 – 25% above the state average. The city had a population boom in the 1960s and is now the fourth most populous city in the state.
Despite its title as the most expensive city for auto insurance costs, drivers in Gresham can still find low-cost coverage for their cars if they know where to look. Across the 17 companies we reviewed in Gresham, we found the lowest rates at GEICO, USAA, Oregon Mutual, Country Insurance, and Mutual of Enumclaw. Annual premiums of $834 were $578 cheaper per year compared to the Gresham-wide mean, saving our two sample drivers about 41%.
Hillsboro's city has eight planning areas that are home to an estimated population of 97,000. The Tualatin Valley Highway and the Sunset Highway are two main thoroughfares that Hillsboro drivers use to get around the city. One of the newest bridges in Hillsboro, the new River Road bridge, lays claim to the longest precast non-segmental beams in the Beaver State.
We recommend motorists include GEICO, Oregon Mutual, USAA, Grange, and Country when shopping for inexpensive car insurance quotes in Hillsboro, OR. Our two sample drivers found rates that were on average 38% and $472 cheaper among these five companies for insuring a Toyota in Hillsboro. Costs among the top three cheapest were even lower, with the two men shaving 43% or $528 off their average auto insurance costs in the city.
Medford rounds out our list with an average annual rate of $1,057, 7% below the state average. Its economy relies on the healthcare industry with major employers such as the Asante Regional Medical Center and the Providence Medford Medical Center. It is known as a retirement destination and is also home to the burgeoning Oregon wine industry. Be careful about pairing the wine with the driving though. Your rates might go up if caught!
Which car insurance companies in Medford have the best rates? For our two sample drivers, who had excellent driving records - no accidents, claims, DUIs, or traffic violations - GEICO, Country, Oregon Mutual, USAA, and Mutual of Enumclaw were the answer. The 30 and 65 year old male motorists saw an average quote of $606 from the three cheapest companies, and $643 from the five cheapest carriers. Compare that to the Medford average of 17 companies surveyed, that'd be a 43% and 39% savings, respectively.
Corvallis comes in as our most affordable city with an average annual rate of $1,038 – 9% lower than the state average. It is the westernmost city in the lower 48 states with a population larger than 50,000. Corvallis is located in Benton County, which is considered the least religious county in the U.S. Two of its largest employers are Oregon State University and Hewlett-Packard, whose printer cartridge manufacturing facility is located in the city.
To find the best car insurance rates in Corvallis, we recommend that drivers here with quotes from GEICO, Oregon Mutual, Country Insurance, USAA, and Grange. Based on quotes across 17 companies in the city, these providers ranked with the five lowest quotes, with annual premiums ranging from $516 to $678 for basic liability protection for a Toyota Camry. Rates averaged $612, which was a 41% and $426 reduction versus the Corvallis-wide mean.
Grants Pass, OR
The city was founded around 1880, when railroad tracks were extended into the previously small settlement. Historically, Grants Pass’s economy was based on timber, but logging has dwindled over the years. The city is home to the historic Rogue Theatre, where many famous acts have performed. Grants Pass takes the second spot on our list with an average annual rate of $1,040, 8% less than the state average.
When it comes to cheap auto insurance quotes in Grants Pass, we recommend that drivers here consider getting quotes from GEICO, USAA, Oregon Mutual, Country Insurance, and Mutual of Enumclaw. Our two sample drivers found their cheapest rates out of the 17 companies among these five. GEICO had the lowest at $528 a year on average, finishing with Mutual of Enumclaw at $684; the five carriers averaged $628 for basic coverage. Compared to the Grants Pass mean of $1,040, that's $413 cheaper and 40% more in our two profiled drivers' wallets.
Ashland and Rogue River tied for our third most affordable spot with an average annual rate of $1,043, which comes in 8% under the state average. Ashland is the home of Southern Oregon University and the Oregon Shakespeare Festival, which is the largest regional repertory theater in the U.S. The city has a rich railroad history, being the point where tracks between Portland and San Francisco were joined.
Who has the cheapest auto insurance in Ashland, OR? GEICO, COuntry, Oregon Mutual, USAA, and Grange - according to data from our 30 year old and 65 year old single male drivers research. Annual premiums ranged from a low $528 at GEICO (costing nearly half of what the typical insurer in Ashland charged), to a still affordable $702 at Grange. If you're looking for cheap rates for your car's liability coverage, we'd recommend you get quotes from at least any three of these five carriers - doing so could shave about 40% or $418 off on a year's worth of coverage compared to the mean for our benchmark drivers.
Rogue River, OR
With an average annual rate of $1,043, Rogue River ranks as our third best city for low car insurance costs. It shares that title with Ashland, OR. Our sample drivers saw costs that were about 8% lower compared to the Oregon mean. Previously known as Woodville, Rogue River is located in Jackson County and bears the same name as the river that passes through it. It houses the Palmerton Arboretum, which contains almost 90 species of flora from around the world.
We found the least expensive rates for insuring a vehicle at GEICO, Oregon Mutual, USAA, Country, and Mutual of Enumclaw. They were 39% or $404 cheaper on average versus what the typical insurer quotes in Rogue River. The top three companies with the cheapest rates save you a tad more: 41% or $423 a year on basic coverage, based on the two male drivers we used as our benchmark profiles.
Canby is situated in Clackamas County in northwestern Oregon and has roughly 16,000 residents. The city is home to the Clackamas County Fair and Rodeo, which has been held since 1907. Canby is named after Civil War General Edward Richard Sprigg Canby, who founded the town before he was killed in a battle against the indigenous Modoc population. Canby takes the third spot on our list of most expensive cities with an annual rate of $1,283, roughly 13% above the state mean.
Despite having the third highest costs for insuring a car in the state, Canby drivers can carve out some savings through shopping for quotes. Out of the 17 companies our two profiled drivers obtained quotes from, the five companies with the greatest opportunity for savings were GEICO, Oregon Mutual, USAA, Country, and Mutual of Enumclaw. Compared to the Canby mean of $1,283, these five companies on average would have saved our prospective policyholders about $517 or 40% a year.
Listed as one of Money magazine’s “best places to live”, Beaverton is also, unfortunately, one of the most expensive cities in Oregon for auto insurance. In Beaverton, the average annual rate is $1,259, 11% above the state average. The city was an early home to automobile dealerships, like Ford Motors, and aircraft manufacturing facilities. Today, Phoenix Technologies’ Northwestern Regional Office, Reser’s Fine Foods, and the world headquarters of Nike, Inc have a large presence in the city.
Who has the best auto insurance rates in Beaverton? That'd be Oregon Mutual, GEICO, USAA, Grange, and Country. Oregon Mutual and GEICO tied for the cheapest rates in Beaverton at $678 a year for our two drivers' basic coverage, and Country was still quite affordable at $858. The companies with the five best rates quoted an average of $762 a year for our two motorists' Toyota Camry, which was $497 and 39% more favorable compared to the Beaverton mean of $1,259.
Named after the Molalla River, this city rounds up our list of the five most expensive cities for auto insurance in Oregon. Originally, Molalla’s economy relied heavily on logging and agriculture, but more recently has turned to commerce. Natural resources such as timber, fiber, and aggregated (used for asphalt) are still extracted from the city in abundance. Auto insurance in Molalla averages $1,257 annually, which puts the city 11% above the state mean.
Drivers searching for cheaper auto insurance in Molalla would do well to include GEICO, Amica, Mutual of Enumclaw, Oregon Mutual, and Grange in their shortlist of companies to get quotes from. From $666 at GEICo, and $762 at Amica and Mutual of Enumclaw, the three providers with the cheaper rates averaged a savings of $527 or 42% versus the Molalla mean. Adding Oregon Mutual and Grange - which aren't that much costlier - into the mix makes going with any of the top five still 40% or $504 cheaper.
Who are the best auto insurance companies in Oregon? 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. Next, we compared them to their market share in Oregon to arrive at a confirmed complaint index. Mutual of Enumclaw, California Casualty, and Oregon Automobile Group ranked as the three best auto insurers in Oregon. Nationwide and Oregon Mutual Group rounded out the five top companies here. The lower the complaint index figure, the better the company performed relative to its peers.
|Rank||Company||2013 Premiums||# Confirmed Complaints||Complaint Index|
|1||Mutual of Enumclaw||$24,577,981||0||0.00|
|3||Oregon Automobile Insurance||2,356,977||0||0.00|
|5||Oregon Mutual Group||26,313,718||1||0.35|
|6||Country Financial Insurance||76,467,503||3||0.36|
A complaint index of 0 is average, while a complaint index of 3 indicates that the company's share of complaints was 3x as large as its share of business. Together, these 17 insurance groups represented 72% of the total auto insurance industry in Oregon. Affiliated companies or individual underwriters were grouped together under their parent marketing company. Consumers typically don't get to dictate which affiliate underwrites their insurance policy, so group-wide data may be more directionally useful. For example, State Farm consisted of State Farm Fire and Casualty and State Farm Mutual Automobile.
We found the five cheapest annual premiums in six cities in Oregon, with Ashland and Rogue River tying for third. On average, the six cheapest cities for car insurance in the state came in 8% below the state average of $1,134. All cities are located closer to the Pacific coast, west of many of the larger forests in Oregon, and tend to be less densely populated. The most expensive cities for auto insurance in the state tend to be more densely populated. They are clustered in the northwestern portion of the state, near Portland, the most populous city in Oregon. Auto insurance in the five most expensive cities costs an average of 17% more than the state average, or $1,324 annually.
Aside from the most expensive and cheapest cities, there were more than forty other cities included in our Oregon study. Here are the average annual rates for our two typical drivers in all of the surveyed cities in ranked order, from the lowest costs to the highest.
To determine how much it costs to insure a car in Oregon, we used the cases of two sample drivers. One is a single 30-year old male, and the other is a single 65-year old male, who commute about 12,000 miles a year. The car in question is a 2010 Toyota Camry that is paid for and owned in full. The analysis also assumes that each of these drivers have been responsible: their credit history and driving records are in good condition (no traffic violations or accidents). Lastly, we looked at rates from 17 auto insurance companies in 54 cities in Oregon to arrive at our data.
Costs are based on basic liability protection for the 2010 Toyota Camry, and provides about twice the minimum liability required in Oregon. Oregon requires minimum auto insurance liability of $25,000 per person for bodily injury protection and up to $50,000 per accident, and $20,000 for property damage per accident. The state also requires $15,000 of personal injury protection and $25,000 per person and up to $50,000 per crash for uninsured motorists. We included national insurers such as GEICO, Allstate, and State Farm as well as regional companies like Oregon Mutual in our study.
|Insurance Coverage||Oregon Minimum Coverage||Study Coverage|
|Bodily Injury (BI) (per person / per accident)||$25,000 / $50,000||$50,000 / $100,000|
|Property Damage (PD)||20,000||25,000|
|Personal Injury Protection||15,000||15,000|
|Uninsured Motorist BI (per person / per accident)||25,000 / 50,000||50,000 / 100,000|
|City||Average Annual Rates||Change vs. State Average|
Minimum Auto Insurance Requirements in Oregon: http://www.oregon.gov/odot/dmv/pages/driverid/insurance.aspx
Oregon Population: http://quickfacts.census.gov/qfd/states/41000.html
Photo courtesy of lorenkerns / Flickr: https://flic.kr/p/jAJQyX