Cheapest Car Insurance Quotes in Oregon (2024)

State Farm has the best cheap car insurance in Oregon, at $104 per month for full coverage and $54 per month for minimum liability.

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Best cheap car insurance in Oregon

To help drivers in Oregon find the best cheap auto insurance, the ValuePenguin editorial team collected quotes from top companies across every ZIP code in the state.

Quotes for minimum coverage meet the Oregon state minimum requirements of $25,000 in bodily injury liability coverage per person and $50,000 per accident, and the same amount in uninsured motorist coverage, along with $20,000 in property damage protection and $15,000 in personal injury protection (PIP).

Full-coverage quotes include comprehensive and collision coverage, in addition to higher liability limits than state minimums.

Our experts also rated the best auto insurance companies in Oregon based on insurance costs for different drivers, customer service reviews, coverage availability and convenience.

Cheapest car insurance quotes in Oregon: State Farm

State Farm offers the cheapest rate for full-coverage insurance in Oregon, at $104 per month ($1,244 per year). That's about 41% cheaper than the state average.

Cheapest car insurance companies in Oregon

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Cheapest Oregon full coverage car insurance

Monthly rate
State Farm logo
State Farm$104
Country Financial logo
Country Financial$130
American Family logo
American Family$136
Progressive logo
Travelers logo
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*USAA is only available to current and former military members and their families.

On average, full-coverage auto insurance in Oregon costs $176 per month. That's $85 more per month than a minimum-coverage policy.

In addition to liability coverage, full coverage includes comprehensive and collision coverages.

Collision coverage pays for damage to your own car when you're in an accident, regardless of whose fault it is. Comprehensive coverage pays for damage resulting from events beyond your control, like hail or theft. Both coverage types are typically required with a car loan or lease.

Cheapest liability car insurance in Oregon: State Farm

State Farm has the cheapest liability only insurance quotes in Oregon. At $54 per month, its rate is roughly 40% less than the state average.

The average cost of car insurance in Oregon is $91 per month, or $1,092 per year, for minimum-coverage insurance.

Cheapest Oregon car insurance companies

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*USAA is only available to current and former military members and their families.

Cheapest car insurance quotes for young drivers: Country Financial

Country Financial has the cheapest car insurance quotes for teen drivers in Oregon.

A minimum-coverage policy from Country Financial costs $112 per month for an 18-year-old driver. That's $158 less per month than the average rate for young drivers in Oregon, which is $270 per month. At $250 per month, full coverage from Country Financial is $291 less per month than the Oregon average.

Cheapest Oregon car insurance companies for teens

Liability only
Full coverage
Country Financial$112$250
State Farm$158$305
American Family$187$288
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Inexperienced drivers often pay higher insurance rates than drivers in their 30s and 40s because young drivers are statistically more likely to cause an accident. In Oregon, an 18-year-old driver can expect to pay three times more for car insurance than a 30-year-old.

If you've already compared car insurance from multiple companies and still find the costs unaffordable, there are several options you can look at.

  1. Consider sharing a policy with your parents: A combined insurance policy will increase your parents' rates, but it can save you around 62% versus buying separate policies.
  2. Research discounts: Most insurance companies have a list of discounts you may already qualify for. There are discounts for attending safe driving classes, installing anti-theft devices in your car or getting good grades in school.
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Cheapest car insurance quotes with a ticket: State Farm

State Farm has the least expensive car insurance rates in Oregon for drivers who have a speeding ticket. The company's average rate for a full-coverage policy is $111 per month. That's an increase of only $7 per month compared to a driver with a clean history, and less than half the state average.

Monthly rate
State Farm$111
Country Financial$172
American Family$176
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In Oregon, a single speeding ticket increases insurance rates by 28%, on average.

Cheapest car insurance in OR after an accident: State Farm

State Farm also has the most affordable full-coverage quote for drivers with an accident history, at $130 per month. Rates for Oregon drivers who have caused an accident average $274 per month, but coverage from State Farm is typically less than half that price.

Monthly rate
State Farm$130
Country Financial$191
American Family$210
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Average quotes for a full-coverage policy increase by about $98 a month after an at-fault accident. However, every insurance company treats an accident differently. The most expensive company, Allstate, increases rates by $197 per month. At the same time, State Farm raises rates by only $26 per month.

Cheapest car insurance for young drivers after a ticket or accident: Country Financial

Country Financial has the best rates for young Oregon drivers with a speeding ticket or at-fault accident.

Minimum-coverage auto insurance for Oregon 18-year-olds with a speeding ticket costs $152 per month from Country Financial. That's less than half the state average overall.

Country Financial's average rate for young drivers with an at-fault accident is $172 per month. That rate is 54% lower than the average in Oregon.

Country Financial$152$172
State Farm$172$205
American Family$225$286
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An 18-year-old driver with a speeding ticket can expect to pay 23% more for car insurance than a young driver with a clean record in Oregon. The average rate goes up by 37% in Oregon after an 18-year-old driver gets into an at-fault accident.

Cheapest car insurance after a DUI: American Family

American Family offers the cheapest quote for Oregon drivers with a DUI (driving under the influence conviction), at $176 per month for full coverage, on average. Progressive also has affordable DUI quotes, at $187 per month.

Monthly rate
American Family$176
Country Financial$200
State Farm$209
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A DUI is a serious crime that not only comes with legal punishments, but also serious financial repercussions. Oregon drivers with a DUI spend an average of 57% more for a full-coverage car insurance policy than drivers with a clean record.

In addition, drivers in Oregon may have to get SR-22 insurance after a DUI, which can increase your costs even more.

Cheapest car insurance for drivers with poor credit: Country Financial

Country Financial offers the best rates for Oregon drivers with a low credit score or no credit history. A full-coverage policy from Country Financial costs $212 per month, which is 39% cheaper than the state average.

Monthly rate
Country Financial$212
American Family$242
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Your credit score doesn't have anything to do with your ability to drive a car, but drivers with bad credit are statistically more likely to make claims. Auto insurance for Oregon drivers with poor credit is nearly double the cost for drivers with good credit.

Best car insurance companies in Oregon

USAA is the best-rated insurance in Oregon based on its reputation for great customer service, affordable quotes and availability.

However, only some Oregon drivers can also take advantage of USAA, as its car insurance is only available to current and former military members and their families.

State Farm is a good option for drivers who can't get USAA, with good customer service and some of the lowest rates in the state.

Best Oregon auto insurance

Editor's rating
JD Power
AM Best
State Farm
American Family
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Choosing a car insurance company with a great reputation is as important as finding the cheapest quotes.

The quality of service you get is especially important if you ever have to file a claim. A company with dependable customer service can help you get back on the road quickly after an accident. Bad service can make the claims process stressful, and you could end up paying more out of pocket.

Average cost of car insurance in Oregon by city

The cheapest car insurance quote in Oregon can be found in Baker City, a small city in the eastern part of the state, for $153 per month.

Drivers in the Portland suburb of Gresham pay the highest rate in the state, $235 per month.

Auto insurance quotes in Oregon vary by $82 per month for a full-coverage policy, depending on where you live.

Average car insurance quotes in OR by city

Monthly Rate
% from average
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Minimum auto insurance requirements in Oregon

Drivers in Oregon must have a minimum amount of bodily injury and property damage insurance to drive legally, which is sometimes written as 25/50/20. Drivers in Oregon are also required to have matching uninsured motorist bodily injury limits, as well as $15,000 of personal injury protection (PIP).

Bodily injury liability$25,000 per person/$50,000 per accident
Property damage liability$20,000
Uninsured motorist bodily injury$25,000 per person/$50,000 per accident
Personal injury protection (PIP)$15,000

Oregon is unique in that it isn’t a no-fault state, but it does require drivers to carry personal injury protection insurance as part of its minimum-coverage requirements.

While your car insurance policy may meet Oregon's minimum requirements, it might not offer enough protection for many drivers.

Most Oregon drivers should strongly consider higher liability coverage limits. If you’re in an expensive accident, minimum coverage may not be enough to cover all of the damage, and you may have to pay out of pocket.

What's the best car insurance coverage in Oregon?

A minimum-coverage policy meets Oregon's auto insurance requirements and is the cheapest way to legally drive in the state. However, it may not be a good choice based on what you need.

If you're involved in an accident, a minimum-coverage policy will only cover a limited amount of the other driver's vehicle damage and injuries. The low liability limits included in minimum-coverage insurance may not offer enough protection if you're in a serious accident.

In addition, minimum-coverage policies don't include comprehensive and collision coverages. That means your insurance company won't pay to repair damage to your own car.

For this reason, most drivers in Oregon should strongly consider a full-coverage auto insurance policy rather than minimum coverage.

Frequently asked questions

What is the cheapest car insurance in Oregon?

State Farm has the best car insurance rates in Oregon, at $54 per month for a state-minimum policy and $104 per month for full-coverage insurance.

How much is car insurance in Oregon?

The average price of car insurance in Oregon is $91 per month for state-minimum coverage and $176 per month for a full-coverage policy.

What is the minimum auto insurance coverage in Oregon?

Oregon drivers need at least $25,000 per person and $50,000 per accident of bodily injury liability coverage, the same amounts in uninsured motorist protection, $20,000 of property damage liability and $15,000 of personal injury protection insurance.

How much is car insurance in Portland?

The average car insurance quote in Portland is 23% higher than the state average, at $217 per month for a full-coverage policy. The Portland suburb of Gresham has the most expensive car insurance rate in Oregon, at $235 per month.


We collected thousands of rates from ZIP codes across Oregon for the state's largest insurers. Unless otherwise noted, rates are for a 30-year-old man with good credit who drives a 2015 Honda Civic EX.

Full-coverage quotes include the following limits:

  • Bodily injury liability: $50,000 per person/$100,000 per accident
  • Property damage liability: $25,000 per accident
  • Personal injury protection (PIP): $15,000
  • Uninsured/underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
  • Comprehensive and collision: $500 deductible

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.

Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.