Car Insurance in Oregon
- Travlers offers the cheapest liability and full coverage auto insurance in OR
- Compare the cheapest car insurance quotes in OR from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
Here's what you need to know when driving in Oregon
The average cost of car insurance in Oregon is $940 for a six-month policy — 14% cheaper than the U.S. average.[1] But location isn't the only factor that impacts what you pay. A driver's age, driving history, and other elements all play a role in determining your rate. Our team at The Zebra has broken down the average Oregon car insurance rates to help you find a policy that fits your budget.
Our data shows that 39% of Oregonians feel like they’re paying too much for car insurance.[2] Despite this, many are willing to pay a little extra for top-notch customer service and better coverage options. If that sounds like you, we suggest starting your search with State Farm or The Hartford — but don’t stop there!
Keep reading to find out how much auto insurance costs in Oregon based on different factors, or enter your ZIP code above for custom quotes from top insurers.
- Travelers offered the cheapest full insurance coverage in Oregon at $95/mo.Â
- See the other cheapest full coverage insurance companies and best discounts in Oregon ↓
- Travelers offered the cheapest full insurance coverage in Oregon at $95/mo.Â
- See the other cheapest full coverage insurance companies and best discounts in Oregon ↓
- As a highly-rated carrier, The Hartford scored an 836 on J.D. Power's 2023 auto study.[3]Â For those eligible, USAA is also top-rated by J.D. Power for Customer Service.
- Read about the rest of the top and best companies in Oregon ↓
- The Zebra used 3rd party reviews from JD Power and AM Best as well as thousands of customer ratings in Oregon to name State Farm as the best overall company for most drivers.Â
- Read more about why we've ranked State Farm as a great fit for many Oregonians ↓
Cheap full coverage insurance in Oregon
Looking for full coverage car insurance in Oregon? In 2024, expect to pay around $940 annually for a six-month policy with comprehensive and collision coverage. If you want to see how this stacks up monthly or every six months, check out the breakdown from top providers below.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $572 | $95 |
| USAA | $701 | $117 |
| Progressive | $783 | $131 |
| GEICO | $796 | $133 |
| State Farm | $939 | $157 |
| Nationwide | $1,085 | $181 |
| Farmers | $1,184 | $197 |
| Allstate | $1,492 | $249 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
In Oregon, full coverage is the go-to for 54% of The Zebra's customers. While it’s pricier than liability-only coverage, savvy Oregonians seeking the best deal should begin their hunt with Travelers and, for those who qualify, USAA.
Compare Oregon car insurance quotes and companies with The Zebra.
Cheap liability insurance in Oregon
Car insurance is a must in nearly every state, including Oregon. If you go with the minimum coverage in Oregon, you’re looking at an average cost of $453 for a six-month policy.
That’s a lot cheaper than full coverage because your coverage level has a big impact on what you pay. Check out the table below for monthly and six-month liability quotes from Oregon's top insurers.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $286 | $48 |
| USAA | $320 | $53 |
| GEICO | $352 | $59 |
| Progressive | $355 | $59 |
| State Farm | $464 | $77 |
| Nationwide | $593 | $99 |
| Farmers | $631 | $105 |
| Allstate | $721 | $120 |
Source: The Zebra
Our data shows that 46% of Oregon drivers stick with liability-only coverage. In Oregon, the law mandates minimum liability limits of 25/50/20 — meaning $25,000 per person and $50,000 per accident for bodily injury, plus $20,000 for property damage per accident. Additionally, drivers are required to carry $15,000 in Personal Injury Protection (PIP) insurance. While this meets the state’s legal requirements, it’s essential to understand what those numbers really mean for your protection. For a deeper dive, check out our guide to Oregon car insurance limits and laws.[4]
Updating data...
| Company | Liability Coverage | Full Coverage | $ Difference |
|---|---|---|---|
| Travelers | $286 | $572 | $287 |
| USAA | $320 | $701 | $381 |
| GEICO | $352 | $796 | $444 |
| Progressive | $355 | $783 | $428 |
| State Farm | $464 | $939 | $476 |
| Nationwide | $593 | $1,085 | $492 |
| Farmers | $631 | $1,184 | $554 |
| Allstate | $721 | $1,492 | $771 |
Source: The Zebra
What are the best car insurance companies in Oregon?
We rated State Farm as the best car insurance company in Oregon, drawing on consumer reviews, third-party ratings like J.D. Power, Trustpilot, and AM Best, as well as their range of discounts and coverage options.
Why State Farm? They offer competitive rates, a wide array of discounts, and strong customer service that consistently earns high marks from policyholders. Plus, with their extensive network, you're never far from the help you need.
Check out the pros and cons of State Farm below, along with a look at other top-rated insurance companies in Oregon.
State Farm is known for its excellent, localized service, ranking first in J.D. Power's overall satisfaction for the Northwest region. While there are some concerns about cost, State Farm's mix of robust coverage and available discounts make them worth considering. Also, the insurer's strong financial stability confirms they can pay out claims reliably and sustain their operations over the long term.
State Farm is celebrated for its top-notch, localized service, earning third place in J.D. Power's overall satisfaction rankings for the Northwest region.[3] While some find the rates a bit steep, State Farm’s solid mix of comprehensive coverage and a variety of discounts make them a strong contender.
Add to that their rock-solid financial stability, and you’ve got an insurer that can reliably pay out claims and keep your coverage secure for the long haul.[5]
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Affordable rates
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Great coverage options
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Extensive agent network
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Strong claims satisfaction
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High complaint ratio from the NAIC
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Lacks some common discounts
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Not the cheapest coverage for all drivers
Best car insurance in Oregon — honorable mentions
To determine the best insurance companies in Oregon, we took a comprehensive approach. We analyzed J.D. Power’s auto insurance ratings, a respected benchmark for customer satisfaction, and combined that with in-depth consumer reviews gathered from nearly 3,000 drivers across Oregon and the U.S.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $572 | $95 |
| USAA | $701 | $117 |
| Progressive | $783 | $131 |
| State Farm | $939 | $157 |
Source: The Zebra
How did we pick what company has the "Best Value" in Oregon?
The author's recommendation for "best value" is based on:
- The Zebra's 2024 Customer Satisfaction Survey
- J.D. Power's 2023 Regional Customer Satisfaction Study
- Each company's average cost of car insurance in Oregon
- Available coverage options
- The author's 5+ years of insurance industry experience
Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.
For more information, see our editorial standards page.
Compare car insurance rates from Oregon's best companies.
Oregon auto insurance quotes after an accident or ticket
Getting affordable car insurance in Oregon after an accident can be tough. Insurers dive deep into your accident and ticket history to gauge your risk, which can send your rates soaring. An at-fault accident could spike your annual premium to as much as $2,596.
And don’t forget — these rate hikes can stick around for three to five years. That’s why it’s crucial to shop around and compare options to snag the best deal. Take a look below at what top Oregon insurers might charge you after an at-fault accident.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $754 | $126 |
| USAA | $1,041 | $174 |
| Progressive | $1,198 | $200 |
| State Farm | $1,208 | $201 |
| GEICO | $1,247 | $208 |
| Nationwide | $1,435 | $239 |
| Farmers | $1,641 | $273 |
| Allstate | $2,247 | $374 |
Source: The Zebra
Zebra tip: Don't forget about claims satisfaction
Insurance is something you hope to never use, but if the time comes, a smooth claims process is a must. Our 2024 survey zeroed in on drivers who’ve had to file claims, and AAA stood out for delivering a top-notch experience. If reliability matters to you, AAA should be on your radar in Oregon.[5]
In Oregon, a bad driving record can send your insurance rates soaring. Get a ticket, and you’re almost guaranteed to see your premiums jump. How much they increase depends on the type of violation, your insurer’s pricing policies, and local factors unique to Oregon. This is why a ticket in Oregon might affect your insurance differently than it would elsewhere in the country.
Source: The Zebra
The Zebra’s guide to Oregon car insurance laws for high-risk drivers.
Certain violations, like a DUI or driving without insurance, come with more complex insurance consequences. We’ve put together in-depth guides to Oregon’s car insurance laws and regulations to help you navigate these situations. Explore our comprehensive guide to learn about Oregon’s car insurance requirements and how they affect high-risk drivers.
Oregon DUI laws
In Oregon, a DUI offense can increase your annual car insurance premium by an average of $563. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Low-cost car insurance after a DUI in Oregon
If you're convicted of a DUI or DWI violation in Oregon, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in Oregon, State Farm, advertises annual rates 21% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Oregon is Travelers, while the priciest firm is Nationwide, with prices 46% above average.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $812 | $135 |
| Progressive | $918 | $153 |
| USAA | $1,130 | $188 |
| State Farm | $1,356 | $226 |
| Farmers | $1,582 | $264 |
| GEICO | $1,713 | $285 |
| Allstate | $1,870 | $312 |
| Nationwide | $2,360 | $393 |
Source: The Zebra
Finding affordable car insurance after a DUI isn’t easy, and no insurer stands out as the go-to for cheap rates. The smartest way to save is to compare your options. You can shop for policies online or work with an insurance agent to find the most cost-effective coverage. To understand more about how a DUI affects your insurance, check out our detailed guide.
Oregon SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Oregon to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in Oregon might require some research, but it could pay off in the end.
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How to acquire an SR-22 in Oregon
For currently insured drivers
If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company ask the company to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.
Â
For uninsured drivers
When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
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For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.
Car insurance in popular Oregon Cities
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Baker City, Oregon, and the most expensive in Maywood Park, Oregon.
Have a look at the table below to see average car insurance costs in some of Oregon's biggest cities.
How have car insurance costs in Oregon changed?
Oregon’s car insurance premiums have been on a bit of a rollercoaster over the past decade. After a sharp drop in 2018, where rates plunged by $361, premiums started climbing again, peaking at $1,636 in 2023. The most startling jump came in 2022 with a $184 increase. But 2024 brought some relief, with rates dipping by $25 to $1,611. This recent drop might signal a cooling off after years of ups and downs, suggesting that factors like economic shifts and regulatory changes are playing a role in these rate adjustments.
| Year | Avg. Annual Premium — Oregon | Yearly Change — Oregon |
|---|---|---|
| 2024 | $1,611 | -$25 |
| 2023 | $1,636 | $127 |
| 2022 | $1,509 | $184 |
| 2021 | $1,325 | -$7 |
| 2020 | $1,332 | -$109 |
| 2019 | $1,441 | $6 |
| 2018 | $1,435 | -$361 |
| 2017 | $1,796 | $234 |
| 2016 | $1,562 | -$323 |
| 2015 | $1,885 | $216 |
If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.
Save money on your next car insurance policy!
Cheap auto insurance for teens and young drivers in Oregon
Finding affordable car insurance as a young driver in Oregon can be tough. Insurers often view younger drivers as higher risks due to their limited experience, which leads to higher premiums. Teens typically pay more than double what those in their 20s do, and nearly triple what drivers in their 30s pay.
In Oregon, the numbers are steep: the cheapest coverage for teen drivers starts around $259 per month but can soar to $905 or more.
If you're a teen driver or the parent of one, consider checking out options like Travelers, GEICO, and USAA, which tend to offer some of the more affordable rates for young drivers.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $1,553 | $259 |
| USAA | $1,798 | $300 |
| GEICO | $2,090 | $348 |
| State Farm | $3,312 | $552 |
| Nationwide | $3,915 | $652 |
| Progressive | $4,131 | $688 |
| Allstate | $4,861 | $810 |
| Farmers | $5,430 | $905 |
Source: The Zebra
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Allstate | $6,066 | $1,011 |
| Farmers | $7,480 | $1,247 |
| GEICO | $2,489 | $415 |
| Nationwide | $4,318 | $720 |
| Progressive | $5,614 | $936 |
| State Farm | $4,373 | $729 |
| Travelers | $1,984 | $331 |
| USAA | $2,718 | $453 |
Source: The Zebra
Zebra tip: 3 easy ways for young drivers to save
- Take a defensive driving course:Â Score discounts and lower your accident risk.
- Choose a safe, affordable car: Avoid flashy models — stick with safe, low-cost options.
- Stay on your parent’s policy: Save by leveraging their insurance history.
Oregon car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Oregon auto insurance.
Find an affordable policy in Oregon in minutes!
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Surveys. The Zebra
J.D. Power. Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds
Minimum insurance requirements. Oregon Driver and Motor Vehicle Services
2024 Customer Satisfaction Survey. The Zebra
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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 editorial 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.