Cheap Oregon Car Insurance

Find affordable auto insurance that works for you in Oregon. Compare quotes from over 100 top companies.

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The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.

Here's what you need to know when driving in Oregon

Across the Beaver State, there are 122,395 miles of road waiting to be driven. We’ll get you prepped with a cheaper car insurance rate, then you take the wheel.


 

Affordable insurance companies in Oregon

What's the cheapest car insurance in Oregon?
Rank Company Name Avg. Annual Premium
1 Travelers $933
2 USAA $1,124
3 Grange $1,125
4 Cal Casualty $1,206
5 State Farm $1,258
6 Oregon Mutual $1,284
7 Country $1,491
8 Progressive $1,550
9 Farmers $2,000
10 Safeco $3,490

Compare auto insurance quotes from over 30 insurance companies that provide coverage throughout Oregon. Enter your ZIP code below to get started.

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Cheap auto insurance for good drivers in Oregon

Drivers with good records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Oregon drivers earn big by driving safe and avoiding at-fault accidents, cutting 36% from their car insurance bill, on average — compared to the national average of 33%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Rating Factor $ Savings % Savings
No Traffic Tickets $334 19.74%
No Accidents $764 36.04%
Good Credit $1,308 49.10%

 

Cheap auto insurance for young drivers in Oregon

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged between 16 and 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Oregon, the typical teen driver pays $5,208 per year — approximately $300 more than the national average for teens, and more than three times as much as the average driver in Oregon.

Age Annual Rate with Parents Annual Rate Alone
16 $5,308 $7,645
17 $4,930 $6,316
18 $4,813 $5,114
19 $4,278 $3,266

 

Cheap auto insurance for bad drivers in Oregon

The best way to minimize your auto insurance expenditure is to avoid at-fault accidents, speeding tickets, and DUIs. As insurance companies use your driving record as a way to predict the level of risk you present, keeping your driving record clean will lead to lower premiums. It's especially important to avoid at-fault accidents, speeding tickets and DUI citations in Oregon, one of the states in which insurance companies penalize poor driving most severely. In fact, a single speeding ticket can raise an Oregon driver's car insurance rates by 19%.

Rating Factor Annual Rate % Increase
At-Fault Accident $2,121 36%
DUI $2,475 45%
Speeding Violation $1,690 19%
Bad Credit $2,664 49%

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Top rated car insurance companies in Oregon

Each and every car insurance company highlights its affordable costs. But as with any service, the most affordable car insurance policy isn't always the preferable selection. Considering what's at stake, it's worth doing your research to discover an insurance policy that can cover your car completely after an accident. Be on the lookout for a great value, rather than settling for the cheapest car insurance available.

Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers. 

 

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

Allstate Average Average Superior 4.3 / 5
Cal Casualty N/A N/A Good N/A
GEICO Average Average Superior 4.4 / 5
Liberty Mutual Average Above average Good 4.2 / 5
Oregon Mutual N/A N/A Excellent N/A
Progressive Below average Below average Excellent 4.3 / 5
Safeco Average Average Excellent N/A
State Farm Above average Above average Superior 4.5 / 5
Travelers Average Below average Superior 4.3 / 5
USAA Excellent Excellent Superior 4.6 / 5

 

Oregon auto insurance laws

Drivers in Oregon must maintain — at a minimum — the below levels of auto insurance coverage:

Liability Insurance

  • Bodily injury: $25,000 per person
  • Bodily injury: $50,000 per accident
  • Property damage: $20,000 per accident

Uninsured/Underinsured Motorist Coverage

  • Bodily injury: $25,000 per person
  • Bodily injury: $50,000 per accident

Personal Injury Protection (PIP)

  • $15,000 per person

Optional coverages in Oregon (these vary by company):

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured Motorist Property Damage

If you carry the minimum coverage level in Oregon, you can expect to owe an average of $745 per year. This is more expensive than the nationwide average by 13%. If you want higher-level car insurance coverage, you can select a policy with comprehensive and collision coverage, protecting against the costs of vehicle collisions, theft, or weather incidents. But better insurance comes at a price: in Oregon, a comprehensive policy with a $1,000 deductible costs $1,253, 68% more than liability-only car insurance. For comprehensive insurance coverage with a $500 deductible, expect to pay 85% more than you would for basic coverage.

Learn more about Oregon's auto insurance regulations

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How tickets change insurance rates in Oregon

If you receive a ticket or citation, your auto insurance rates will probably rise. By how much depends on the violation's severity, your insurance company's pricing strategy, and local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a look at car insurance costs in Oregon after a few common citations.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $2,150 54% $756
Refused Breathalyzer/Chemical Test $1,999 43% $606
DUI $1,999 43% $606
Racing $2,141 54% $748
Reckless Driving $2,124 52% $731
Driving with a Suspended License $2,133 53% $740
At-Fault Accident $2,051 47% $657
Driving with an Open Container $1,864 34% $470
Operating a Vehicle Without Permission $1,828 31% $435
Passing a School Bus $1,783 28% $390
Improper Passing $1,754 26% $360
Following Too Closely $1,844 32% $450
Speeding $1,751 26% $357
Failure to Stop at a Red Light $1,732 24% $338
Illegal Turn $1,734 24% $340
Driving Wrong Way/Wrong Lane $1,754 26% $360
Failure to Yield $1,732 24% $338
Speeding in a School Zone $1,720 23% $326
Driving Too Slowly $1,718 23% $324
Distracted Driving $1,833 32% $440
Driving with Expired Registration $1,514 9% $120
Failure to Show Documents $1,514 9% $120
Not-at-Fault Accident $1,542 11% $148
Failure to Use Child Safety Restraint $1,460 5% $66
Failure to Wear a Seat Belt $1,460 5% $66
Driving Without Lights $1,460 5% $66

 

Oregon car insurance FAQs

How much does it cost to insure a car in Oregon?

Using a Honda Accord as an example, a six-month policy costs $687 — $114 per month — to insure a vehicle in Oregon.

Who has the cheapest car insurance in Oregon?

Our data suggest Travelers ($466) and USAA ($562) are the cheapest providers in Oregon.

Why is car insurance so expensive in Oregon?

Oregon's car insurance premiums are about average compared to the rest of the U.S. If you feel you are paying too much for car insurance, use The Zebra's comparison tool to see if you could be getting a better rate.

How much does car insurance cost in Oregon cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Roseburg, Oregon, and the most expensive in Gresham, Oregon.

Rank City Avg. Annual Premium
1 Gresham $1,944
2 Portland $1,785
3 Beaverton $1,644
4 Hillsboro $1,602
5 Salem $1,550
6 Bend $1,342
7 Springfield $1,334
8 Eugene $1,325
9 Medford $1,311
10 Roseburg $1,305

 

Recent Questions:

Grace period for adding new vehicle with Progressive

For most major car insurance companies, you are correct. The state does not give any grace period to have the vehicle covered, but insurance companies will transfer coverage for a time frame - usually between 2-4 weeks.
Jun 13, 2018 Portland, OR

I wasn't allowed to use my digital insurance card as proof

As long as the insurance was active at the time you were cited the digital copy should be taken. Oregon is one of the states that accept digital insurance cards per Oregon Law.
Mar 5, 2018 Vernonia, Oregon

Does insurance cover someone helping me get my keys out of my locked car?

It would be covered if you have roadside assistance as part of your coverage. If you only have the minimum amount of liability coverage, it's likely you won't have coverage for a lockout situation.
Nov 27, 2019 Dallas, OR

Can force-placed auto insurance be removed/refunded from a loan? If so, to what extent?

Yes, you should be reimbursed if you were actively insured during that time. I would call the carrier you had and make sure the lien info is listed correctly, and then obtain all declarations and a letter of experience.
Aug 20, 2019 La Grande, OR

Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.