Who Has the Best Car Insurance Quotes in Oregon? (2021)
Who Has the Best Car Insurance Quotes in Oregon? (2021)
Our Oregon sample driver received the cheapest minimum insurance policy from State Farm, which charged an annual rate of $520, or $43 per month.
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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.
The average cost of car insurance in Oregon is $1,050 per year, or $88 per month, for a minimum liability policy.
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.
Insurer | Annual Cost | |
|---|---|---|
| State Farm | $520 |
| Progressive | $697 |
| USAA | $823* |
| Country Financial | $859 |
| American Family | $977 |
Show All Rows
*USAA is only available to current and former military members and their families.
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.
Insurer | Annual Cost | Monthly Cost |
|---|---|---|
| State Farm | $1,269 | $106 |
| Country Financial | $1,412 | $118 |
| Progressive | $1,899 | $158 |
| Oregon average | $2,332 | $194 |
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
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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.
Insurer | Annual Cost | Monthly Cost |
|---|---|---|
| State Farm | $1,651 | $138 |
| Country Financial | $1,881 | $157 |
| Progressive | $3,151 | $263 |
| Oregon average | $3,659 | $305 |
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.
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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.
Insurer | Annual Cost | Monthly Cost |
|---|---|---|
| State Farm | $1,396 | $116 |
| Country Financial | $1,843 | $154 |
| Progressive | $2,592 | $216 |
| Oregon average | $2,977 | $248 |
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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.
Insurer | Annual Cost | Monthly Cost |
|---|---|---|
| State Farm | $1,396 | $116 |
| Country Financial | $2,112 | $176 |
| Progressive | $2,272 | $189 |
| Oregon average | $3,628 | $302 |
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"dui\"\u003ECheapest car insurance for drivers with a DUI: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003EThe insurer that offers the best cheapest rates for Oregon drivers is \u003Cstrong\u003EState Farm\u003C\/strong\u003E. Other options you can look into include \u003Cstrong\u003ECountry Financial\u003C\/strong\u003E and \u003Cstrong\u003EProgressive,\u003C\/strong\u003E which have rates below the state average but are nearly $1,000 more expensive than State Farm.\u003C\/p\u003E\n\n\u003Cp\u003EDUIs 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.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual Cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly Cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$1,396\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$116\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ECountry Financial\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,112\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$176\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,272\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$189\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EOregon average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,628\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$302\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual Cost\",\"Monthly Cost\"],[\"\\u003Cstrong\\u003EState Farm\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$1,396\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$116\\u003C\\\/strong\\u003E\"],[\"Country Financial\",\"$2,112\",\"$176\"],[\"Progressive\",\"$2,272\",\"$189\"],[\"Oregon average\",\"$3,628\",\"$302\"]],\"footnote\":\"\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
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.
Insurer | Annual Cost | Monthly Cost |
|---|---|---|
| State Farm | $1,875 | $156 |
| Country Financial | $2,062 | $172 |
| Progressive | $2,606 | $217 |
| Oregon average | $2,762 | $230 |
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"credit\"\u003ECheapest car insurance for drivers with poor credit: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003EDrivers with no credit history or poor credit can find the cheapest rates with \u003Cstrong\u003EState Farm\u003C\/strong\u003E and \u003Cstrong\u003ECountry Financial\u003C\/strong\u003E.\u003C\/p\u003E\n\n\u003Cp\u003EInsurance companies use \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"How Does Your Credit Score Affect Auto Insurance Rates?\" href=\"https:\/\/www.valuepenguin.com\/how-does-your-credit-score-affect-auto-insurance-rates\"\u003Ecredit score\u003C\/a\u003E\u003C\/span\u003E as one of the factors in determining rates because there is a statistical correlation between accident rates and credit.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual Cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly Cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$1,875\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$156\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ECountry Financial\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,062\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$172\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,606\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$217\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EOregon average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,762\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$230\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual Cost\",\"Monthly Cost\"],[\"\\u003Cstrong\\u003EState Farm\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$1,875\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$156\\u003C\\\/strong\\u003E\"],[\"Country Financial\",\"$2,062\",\"$172\"],[\"Progressive\",\"$2,606\",\"$217\"],[\"Oregon average\",\"$2,762\",\"$230\"]],\"footnote\":\"\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
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.
Insurer | Annual Cost | Monthly Cost |
|---|---|---|
| Country Financial | $1,182 | $99 |
| State Farm | $1,269 | $106 |
| Progressive | $1,603 | $134 |
| Oregon average | $2,232 | $186 |
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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.
Insurer | Full Coverage | Minimum Coverage |
|---|---|---|
| Country Financial | $2,908 | $1,889 |
| State Farm | $3,846 | $1,548 |
| Geico | $6,672 | $3,361 |
| Farmers | $7,444 | $4,942 |
| Nationwide | $8,054 | $5,108 |
| Progressive | $8,684 | $4,174 |
| American Family | $8,805 | $3,588 |
| Allstate | $11,228 | $3,349 |
| USAA | $3,045 | $1,631 |
| Oregon average | $6,743 | $3,288 |
*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.
Insurer | Annual Cost | Monthly Cost |
|---|---|---|
| Country Financial | $3,514 | $293 |
| State Farm | $5,067 | $422 |
| Nationwide | $8,965 | $747 |
| Oregon average | $9,014 | $751 |
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.
Insurer | Annual Cost | Monthly Cost |
|---|---|---|
| Country Financial | $3,833 | $319 |
| State Farm | $4,253 | $354 |
| Nationwide | $8,683 | $724 |
| Oregon average | $8,038 | $670 |
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Young drivers insured under \u003Cstrong\u003ECountry Financial\u003C\/strong\u003E received the cheapest minimum and full policy insurance.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EInexperienced 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.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EFull Coverage\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMinimum Coverage\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003ECountry Financial\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$2,908\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$1,889\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,846\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,548\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$6,672\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,361\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EFarmers\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$7,444\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,942\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENationwide\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$8,054\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$5,108\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$8,684\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,174\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAmerican Family\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$8,805\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,588\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$11,228\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,349\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EUSAA\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,045\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,631\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EOregon average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$6,743\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,288\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"SortableTable--footnote\"\u003E*USAA is excluded from rankings because it is only available to current and former military members and their families.\u003C\/p\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Full Coverage\",\"Minimum Coverage\"],[\"\\u003Cstrong\\u003ECountry Financial\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$2,908\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$1,889\\u003C\\\/strong\\u003E\"],[\"State Farm\",\"$3,846\",\"$1,548\"],[\"Geico\",\"$6,672\",\"$3,361\"],[\"Farmers\",\"$7,444\",\"$4,942\"],[\"Nationwide\",\"$8,054\",\"$5,108\"],[\"Progressive\",\"$8,684\",\"$4,174\"],[\"American Family\",\"$8,805\",\"$3,588\"],[\"Allstate\",\"$11,228\",\"$3,349\"],[\"USAA\",\"$3,045\",\"$1,631\"],[\"Oregon average\",\"$6,743\",\"$3,288\"]],\"footnote\":\"*USAA is excluded from rankings because it is only available to current and former military members and their families.\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EIf you've already \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Compare Car Insurance\" href=\"https:\/\/www.valuepenguin.com\/auto-insurance\"\u003Ecompared car insurance\u003C\/a\u003E\u003C\/span\u003E from multiple companies and still find the costs to be unaffordable, we recommend the following:\n\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EConsider a \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Car Insurance for Teen Drivers and Their Parents\" href=\"https:\/\/www.valuepenguin.com\/best-car-insurance-teen-drivers\"\u003Ecombined policy\u003C\/a\u003E\u003C\/span\u003E with your parents.\u003C\/strong\u003E A combined insurance policy will increase your parents' annual premium, but it will be significantly cheaper than having two different insurance policies.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ELook into \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Car Insurance Discounts\" href=\"https:\/\/www.valuepenguin.com\/car-insurance-discounts\"\u003Ediscounts\u003C\/a\u003E\u003C\/span\u003E.\u003C\/strong\u003E 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.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Chr\u003E\n\n\u003Ch3\u003ECheapest for young drivers with one accident: Country Financial\u003C\/h3\u003E\n\n\u003Cp\u003EDriving with an accident history on your record will likely increase your rates. Despite the price increase, \u003Cstrong\u003ECountry Financial\u003C\/strong\u003E still offers the cheapest average premium for a full coverage policy.\u003C\/p\u003E\n\n\u003Cp\u003EOne 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 \u003Cstrong\u003EState Farm\u003C\/strong\u003E and \u003Cstrong\u003ENationwide\u003C\/strong\u003E. Despite being substantially more expensive than Country Financial, they have rates below the state average for a young driver with an accident history.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual Cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly Cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003ECountry Financial\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$3,514\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$293\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$5,067\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$422\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENationwide\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$8,965\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$747\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EOregon average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$9,014\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$751\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual Cost\",\"Monthly Cost\"],[\"\\u003Cstrong\\u003ECountry Financial\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$3,514\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$293\\u003C\\\/strong\\u003E\"],[\"State Farm\",\"$5,067\",\"$422\"],[\"Nationwide\",\"$8,965\",\"$747\"],[\"Oregon average\",\"$9,014\",\"$751\"]],\"footnote\":\"\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EFor 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.\u003C\/p\u003E\n\n\u003Chr\u003E\n\n\u003Ch3\u003ECheapest for young drivers with one speeding ticket: Country Financial\u003C\/h3\u003E\n\n\u003Cp\u003EIf you're young and have been caught speeding, the best insurer to contact for affordable rates is \u003Cstrong\u003ECountry Financial\u003C\/strong\u003E, which has a monthly rate of $319. The next cheapest option is \u003Cstrong\u003EState Farm,\u003C\/strong\u003E which is $420 more expensive than Country Financial.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual Cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly Cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003ECountry Financial\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$3,833\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$319\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,253\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$354\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENationwide\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$8,683\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$724\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EOregon average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$8,038\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$670\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual Cost\",\"Monthly Cost\"],[\"\\u003Cstrong\\u003ECountry Financial\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$3,833\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$319\\u003C\\\/strong\\u003E\"],[\"State Farm\",\"$4,253\",\"$354\"],[\"Nationwide\",\"$8,683\",\"$724\"],[\"Oregon average\",\"$8,038\",\"$670\"]],\"footnote\":\"\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\n","padding":"double"}
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.
Overall rank* | Group | Claim satisfaction rating | Customer service rating | |
|---|---|---|---|---|
| 1 | USAA | 78% | 62% | |
| 2 | American Family | 86% | 50% | |
| 3 | State Farm | 73% | 46% | |
| 4 | Allstate | 72% | 47% | |
| 5 | Farmers Insurance | 71% | 38% |
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*Overall rank takes both claim satisfaction and customer service ratings into account. Explanation of ratings are in the Methodology section.
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.
Subsidiary company | 2019 NAIC complaint index | 2020 J.D. Power Claims Satisfaction | AM Best Rating |
|---|---|---|---|
| PEMCO | 0.04 | — | B++ |
| Country Financial | 0.19 | 863 | A+ |
| Farmers | 0.51 | 872 | A |
| Progressive | 0.59 | 856 | A+ |
| Allstate | 0.63 | 876 | A+ |
Show All Rows
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n Based on our ValuePenguin survey, \u003Cstrong\u003EUSAA\u003C\/strong\u003E is the best car insurer when considering customer reviews and feedback.\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EUnfortunately, USAA is only available to current and former military members. Therefore, we recommend the average driver contact \u003Cstrong\u003EAmerican Family\u003C\/strong\u003E and \u003Cstrong\u003EState Farm\u003C\/strong\u003E 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.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EOverall rank*\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EGroup\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EClaim satisfaction rating\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ECustomer service rating\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E1\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EUSAA\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E78%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E62%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E2\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAmerican Family\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E86%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E50%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E73%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E46%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E4\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E72%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E47%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E5\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EFarmers Insurance\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E71%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E38%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv role=\"button\" class=\"StyledExpander-sc-1gnrutu ckEygv\"\u003EShow All Rows\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Overall rank*\",\"Group\",\"Claim satisfaction rating\",\"Customer service rating\"],[\"1\",\"USAA\",\"78%\",\"62%\",\"\"],[\"2\",\"American Family\",\"86%\",\"50%\",\"\"],[\"3\",\"State Farm\",\"73%\",\"46%\",\"\"],[\"4\",\"Allstate\",\"72%\",\"47%\",\"\"],[\"5\",\"Farmers Insurance\",\"71%\",\"38%\",\"\"],[\"6\",\"Progressive\",\"74%\",\"34%\",\"\"],[\"7\",\"Geico\",\"64%\",\"42%\",\"\"],[\"NA\",\"Country Preferred\",\"N\\\/A\",\"N\\\/A\",\"\"],[\"NA\",\"NICOA\",\"N\\\/A\",\"N\\\/A\",\"\"]],\"footnote\":\"\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\",\"maxDefaultRows\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeDisclaimer--root ShortcodeDisclaimer--root \"\u003E\n \u003Cdiv class=\"ContextualDisclaimer--root\"\u003E\n \u003Cp class=\"ContextualDisclaimer--copy\"\u003E\n \u003Cp\u003E*Overall rank takes both claim satisfaction and customer service ratings into account. Explanation of ratings are in the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Methodology\" href=\"#methodology\"\u003EMethodology\u003C\/a\u003E\u003C\/span\u003E section.\u003C\/p\u003E\n\n \n \u003C\/p\u003E\n\u003C\/div\u003E\n\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003EWe 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.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EPEMCO\u003C\/strong\u003E, \u003Cstrong\u003ECountry Financial\u003C\/strong\u003E and \u003Cstrong\u003EFarmers\u003C\/strong\u003E received the least complaints relative to their market share, indicating higher customer satisfaction levels.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003ESubsidiary company\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003E2019 NAIC complaint index\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003E2020 J.D. Power Claims Satisfaction\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAM Best Rating\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EPEMCO\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.04\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u2014\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EB++\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ECountry Financial\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.19\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E863\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EFarmers\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.51\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E872\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.59\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E856\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.63\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E876\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv role=\"button\" class=\"StyledExpander-sc-1gnrutu ckEygv\"\u003EShow All Rows\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Subsidiary company\",\"2019 NAIC complaint index\",\"2020 J.D. 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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.
City | Average annual cost | Percent from average |
|---|---|---|
| Baker City | $2,018 | -13.5% |
| La Grande | $2,039 | -12.5% |
| Vale | $2,041 | -12.5% |
| Nyssa | $2,044 | -12.4% |
| Enterprise | $2,045 | -12.3% |
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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.
Insurer | Premiums written (millions) 2019 | Rate change 2019 | Rate change 2020 |
|---|---|---|---|
| State Farm | $590.0 | -5.5% | -14.2% |
| Progressive | $505.8 | -5.0% | -2.7% |
| Geico | $325.2 | -2.3% | 0.0% |
| Farmers | $263.7 | -0.2% | 1.0% |
| Liberty Mutual | $259.3 | 0.0% | -1.3% |
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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:
- 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 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.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003EAs in almost every state, Oregonians have to abide by a minimum required amount of auto insurance.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeBorder--root ShortcodeBorder--with-padding\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EOregon is unique in that it is not a \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"What is No Fault Insurance?\" href=\"https:\/\/www.valuepenguin.com\/no-fault-auto-insurance\"\u003Eno-fault state\u003C\/a\u003E\u003C\/span\u003E, but it does require drivers to carry personal injury protection insurance, as well as the following minimum coverage requirements:\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Bodily injury liability\" href=\"https:\/\/www.valuepenguin.com\/bodily-injury-car-insurance-coverage\"\u003EBodily injury liability\u003C\/a\u003E\u003C\/span\u003E\u003C\/strong\u003E: $25,000 per person\/ $50,000 per accident\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Property damage liability\" href=\"https:\/\/www.valuepenguin.com\/property-damage-liability-car-insurance\"\u003EProperty damage liability\u003C\/a\u003E\u003C\/span\u003E\u003C\/strong\u003E: $20,000\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Uninsured motorist bodily injury\" href=\"https:\/\/www.valuepenguin.com\/uninsured-underinsured-motorist-coverage-car-insurance\"\u003EUninsured motorist bodily injury\u003C\/a\u003E\u003C\/span\u003E\u003C\/strong\u003E: $25,000 per person\/ $50,000 per accident\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Personal injury protection (PIP)\" href=\"https:\/\/www.valuepenguin.com\/personal-injury-protection-car-insurance\"\u003EPersonal injury protection (PIP)\u003C\/a\u003E\u003C\/span\u003E\u003C\/strong\u003E: $15,000\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EWhile your car insurance policy may meet Oregon's minimum requirements, it may not offer the best protection suited to your needs.\u003C\/p\u003E\n\n\u003Cp\u003EWe 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.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}
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
Frequently asked questions
What company has the cheapest car insurance in Oregon?
State Farm has the best car insurance rates in Oregon, at $43 per month for a state minimum policy.
How much is car insurance in Oregon?
The average price of car insurance in Oregon is $88 per month for state minimum coverage.
How much car insurance do I need in Oregon?
You 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. You're also required to get $25,000 per person and $50,000 per accident of uninsured motorist protection.
Methodology
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:
Coverage type | Study 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.
ValuePenguin conducted a survey and asked current policyholders across several major car insurance companies about their satisfaction with claims and customer service. In our table, the Claim Satisfaction Rating represents the percentage of respondents who were extremely satisfied with their most recent claim experience. The Customer Service Rating represents the percentage of respondents who rated the customer service of their insurance company as "excellent."