Who Has the Best Car Insurance Quotes in Oregon? (2020)
Find Cheap Auto Insurance Quotes in Oregon
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.
Oregon drivers may receive a wide range of car insurance quotes, as our analysis revealed that the most expensive insurer cost 3.7 times as much as the cheapest auto insurance company. Furthermore, the cheapest company in Oregon has auto quotes that were 46% below the state mean for our same sampled driver.
Drivers looking for low cost insurance policies for their cars should shop around and compare quotes from at least three companies 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 car 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.
Find Cheap Auto Insurance Quotes in Oregon
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.
| Rank | Insurer | Auto insurance quote |
|---|---|---|
| 1 | Country Financial | $619 |
| 2 | State Farm | $736 |
| 3 | GEICO | $827 |
| 4 | Progressive | $872 |
| 5 | American Family | $1,170 |
| 6 | Nationwide | $1,348 |
| 7 | Allstate | $1,636 |
| 8 | Farmers | $2,294 |
| NA | USAA | $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.
| Rank | Insurer | Auto insurance quote |
|---|---|---|
| 1 | State Farm | $1,370 |
| 2 | Country Financial | $1,415 |
| 3 | Progressive | $1,792 |
| 4 | GEICO | $2,069 |
| 5 | American Family | $2,235 |
| 6 | Nationwide | $2,382 |
| 7 | Allstate | $3,182 |
| 8 | Farmers | $4,060 |
| NA | USAA | $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.
| Rank | Insurer | Quote before accident | Quote after accident | Difference |
|---|---|---|---|---|
| 1 | State Farm | $1,370 | $1,781 | $411 |
| 2 | Country Financial | $1,415 | $1,874 | $459 |
| 3 | Nationwide | $2,382 | $2,730 | $348 |
| 4 | Progressive | $1,792 | $3,073 | $1,281 |
| 5 | GEICO | $2,069 | $3,290 | $1,221 |
| 6 | American Family | $2,235 | $3,691 | $1,456 |
| 7 | Allstate | $3,182 | $5,417 | $2,235 |
| 8 | Farmers | $4,060 | $5,687 | $1,627 |
| NA | USAA | $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.
| Rank | Insurer | Premiums underwritten | Complaint index |
|---|---|---|---|
| 1 | Country Financial | $77,119,079 | 0 |
| 2 | Progressive | $245,694,915 | 0.28 |
| 3 | Allstate | $152,680,486 | 0.45 |
| 4 | State Farm | $583,823,548 | 0.53 |
| 5 | Farmers | $252,934,309 | 0.55 |
| 6 | GEICO | $233,437,337 | 0.89 |
| 7 | Safeco | $192,490,696 | 0.9 |
| 8 | American Family | $51,222,886 | 2.03 |
| 9 | USAA | $61,320,465 | 2.83 |
| 10 | Liberty Mutual | $56,746,604 | 3.06 |
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.
| City | Insurer | Car insurance quote |
|---|---|---|
| Albany | Country | $1,186 |
| State Farm | $1,287 | |
| Progressive | $1,563 | |
| Ashland | State Farm | $1,292 |
| Country | $1,318 | |
| Progressive | $1,655 | |
| Astoria | Country | $1,215 |
| State Farm | $1,363 | |
| Progressive | $1,881 | |
| Baker City | State Farm | $1,099 |
| Country | $1,099 | |
| Progressive | $1,533 | |
| Beaverton | Country | $1,619 |
| State Farm | $1,701 | |
| Progressive | $1,973 | |
| Bend | Country | $1,268 |
| State Farm | $1,290 | |
| Progressive | $1,671 | |
| Canby | Country | $1,514 |
| State Farm | $1,588 | |
| Progressive | $2,060 | |
| Central Point | Country | $1,143 |
| State Farm | $1,242 | |
| Progressive | $1,528 | |
| Cornelius | Country | $1,499 |
| State Farm | $1,753 | |
| Progressive | $1,970 | |
| Corvallis | Country | $1,174 |
| State Farm | $1,191 | |
| Progressive | $1,547 | |
| Cottage Grove | State Farm | $1,187 |
| Country | $1,194 | |
| Progressive | $1,586 | |
| Dallas | Country | $1,229 |
| State Farm | $1,451 | |
| Progressive | $1,613 | |
| Eagle Point | Country | $1,241 |
| State Farm | $1,312 | |
| Progressive | $1,569 | |
| Eugene | State Farm | $1,315 |
| Country | $1,379 | |
| Progressive | $1,598 | |
| Fairview | State Farm | $1,910 |
| Country | $2,021 | |
| Progressive | $2,130 | |
| Forest Grove | Country | $1,453 |
| State Farm | $1,571 | |
| Progressive | $1,948 | |
| Gladstone | State Farm | $1,817 |
| Progressive | $1,913 | |
| Country | $2,014 | |
| Grants Pass | State Farm | $1,171 |
| Country | $1,263 | |
| Progressive | $1,658 | |
| Gresham | State Farm | $2,031 |
| Country | $2,176 | |
| Progressive | $2,449 | |
| Happy Valley | State Farm | $1,864 |
| Country | $1,930 | |
| GEICO | $2,325 | |
| Hermiston | Country | $1,221 |
| State Farm | $1,265 | |
| Progressive | $1,560 | |
| Hillsboro | Country | $1,606 |
| State Farm | $1,721 | |
| Progressive | $1,912 | |
| Independence | Country | $1,332 |
| State Farm | $1,498 | |
| Progressive | $1,740 | |
| Keizer | State Farm | $1,511 |
| Country | $1,515 | |
| Progressive | $1,803 | |
| Klamath Falls | State Farm | $1,317 |
| Country | $1,409 | |
| Progressive | $1,801 | |
| La Grande | Country | $995 |
| State Farm | $1,058 | |
| Progressive | $1,534 | |
| Lake Oswego | State Farm | $1,683 |
| Country | $1,684 | |
| Progressive | $1,962 | |
| Lebanon | Country | $1,177 |
| State Farm | $1,212 | |
| Progressive | $1,682 | |
| McMinnville | State Farm | $1,479 |
| Country | $1,493 | |
| Progressive | $1,870 | |
| Medford | Country | $1,234 |
| State Farm | $1,329 | |
| Progressive | $1,531 | |
| Milwaukie | State Farm | $1,706 |
| Country | $1,886 | |
| Progressive | $2,050 | |
| Molalla | Country | $1,546 |
| State Farm | $1,792 | |
| Progressive | $2,086 | |
| Monmouth | Country | $1,213 |
| State Farm | $1,476 | |
| Progressive | $1,672 | |
| Newberg | Country | $1,489 |
| State Farm | $1,639 | |
| Progressive | $1,873 | |
| Newport | Country | $1,202 |
| State Farm | $1,369 | |
| Progressive | $1,654 | |
| Ontario | Country | $991 |
| State Farm | $1,131 | |
| Progressive | $1,489 | |
| Portland | State Farm | $1,883 |
| Country | $1,978 | |
| Progressive | $2,096 | |
| Prineville | State Farm | $1,155 |
| Country | $1,199 | |
| Progressive | $1,690 | |
| Roseburg | Country | $1,100 |
| State Farm | $1,169 | |
| Progressive | $1,591 | |
| Salem | Country | $1,366 |
| State Farm | $1,549 | |
| Progressive | $1,838 | |
| Sandy | State Farm | $1,779 |
| Country | $1,859 | |
| Progressive | $2,238 | |
| Sherwood | State Farm | $1,583 |
| Country | $1,607 | |
| GEICO | $1,767 | |
| Silverton | Country | $1,403 |
| State Farm | $1,490 | |
| Progressive | $1,878 | |
| Springfield | State Farm | $1,253 |
| Country | $1,362 | |
| Progressive | $1,610 | |
| St. Helens | State Farm | $1,418 |
| Country | $1,469 | |
| Progressive | $1,778 | |
| Sweet Home | State Farm | $1,196 |
| Country | $1,258 | |
| Progressive | $1,682 | |
| Troutdale | State Farm | $1,840 |
| Country | $2,063 | |
| Progressive | $2,105 | |
| Tualatin | Country | $1,640 |
| State Farm | $1,693 | |
| Progressive | $1,860 | |
| Wilsonville | State Farm | $1,439 |
| Country | $1,663 | |
| Progressive | $1,807 | |
| Woodburn | Country | $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.
| Rank | City | Cost of car insurance |
|---|---|---|
| 1 | La Grande | $1,928 |
| 2 | Ontario | $1,940 |
| 3 | Prineville | $1,944 |
| 4 | Baker City | $1,944 |
| 5 | Central Point | $1,955 |
| 6 | Eugene | $1,967 |
| 7 | Corvallis | $1,973 |
| 8 | Roseburg | $1,973 |
| 9 | Albany | $1,980 |
| 10 | Medford | $1,983 |
| 11 | Bend | $1,991 |
| 12 | Eagle Point | $1,992 |
| 13 | Cottage Grove | $1,994 |
| 14 | Grants Pass | $1,997 |
| 15 | Hermiston | $2,003 |
| 16 | Lebanon | $2,003 |
| 17 | Ashland | $2,016 |
| 18 | Springfield | $2,027 |
| 19 | Sweet Home | $2,046 |
| 20 | Klamath Falls | $2,111 |
| 21 | Newport | $2,113 |
| 22 | Monmouth | $2,173 |
| 23 | Dallas | $2,208 |
| 24 | Astoria | $2,211 |
| 25 | Independence | $2,284 |
| 26 | Sherwood | $2,303 |
| 27 | Silverton | $2,304 |
| 28 | St. Helens | $2,323 |
| 29 | Salem | $2,337 |
| 30 | Keizer | $2,351 |
| 31 | McMinnville | $2,361 |
| 32 | Wilsonville | $2,381 |
| 33 | Tualatin | $2,399 |
| 34 | Newberg | $2,417 |
| 35 | Forest Grove | $2,444 |
| 36 | Lake Oswego | $2,462 |
| 37 | Hillsboro | $2,466 |
| 38 | Canby | $2,484 |
| 39 | Woodburn | $2,503 |
| 40 | Cornelius | $2,509 |
| 41 | Beaverton | $2,514 |
| 42 | Gladstone | $2,584 |
| 43 | Milwaukie | $2,638 |
| 44 | Molalla | $2,673 |
| 45 | Sandy | $2,716 |
| 46 | Portland | $2,750 |
| 47 | Happy Valley | $2,755 |
| 48 | Troutdale | $2,778 |
| 49 | Fairview | $2,828 |
| 50 | Gresham | $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 type | Study 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.
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.