Cheap Oregon Car Insurance

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

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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.


Cheap car insurance in Oregon

What's the cheapest car insurance in Oregon?
RankCompany NameAvg. Annual Premium
4Cal Casualty$1,206
5State Farm$1,258
6Oregon Mutual$1,284

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 drivers with clean records 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$33419.74%
No Accidents$76436.04%
Good Credit$1,30849.10%

Cheap car insurance for new 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.

AgeAnnual Rate with ParentsAnnual Rate Alone

Cheap car insurance for high-risk 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 FactorAnnual Rate% Increase
At-Fault Accident$2,12136%
Speeding Violation$1,69019%
Bad Credit$2,66449%

The 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.

Compare top auto insurers' financial stability and claims satisfaction levels to better understand the level of service you will receive. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by AM Best and varying from "Superior" to "Poor" — assesses an insurer's financial strength and ability to satisfy its policy and contractual obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (AM Best)
American Family4Excellent
EncompassNot RatedSuperior
Liberty Mutual3Excellent
Mutual EnumclawNot RatedExcellent
State Farm3Superior


See insurance rates for Oregon's best companies!

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How much auto insurance is required in Oregon?

Auto insurance minimums in Oregon are $25,000 bodily injury per person, $50,000 bodily injury per accident, and $20,000 property damage per accident.

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.

Compare average costs for liability insurance-only and comprehensive coverage options below.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
National Average$657$1,241$1,397

Oregon auto insurance laws

State minimum insurance requirements in Oregon

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

Learn more about Oregon's auto insurance regulations

Driving laws in Oregon

Oregon texting and driving laws

  1. Ban on hand-held cell phones
  2. Ban on all cell phones for drivers <18 years old
  3. Ban on text messaging for all drivers

Oregon DUI/DUII regulations

The DUI/DUII lookback period in Oregon is five years. Multiple DUII (driving under the influence of intoxicants) offenses within five years may lead to stricter penalties and fines.

Penalties are also enhanced for any DUI in which a child under 18 years old is a passenger.

The first and second DUII offense in Oregon is a class A misdemeanor. Three or more DUII offenses within 10 years are considered class C felonies.

First-time DUII offenses in Oregon lead to:

  • Up to one year in jail
  • $1,000 to $6,250 in fines
  • License suspension for 90 days
  • Must install and use an ignition interlock device for one year after suspension ends

The impact of infractions on auto 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.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$2,15054%$756
Refused Breathalyzer/Chemical Test$1,99943%$606
Reckless Driving$2,12452%$731
Driving with a Suspended License$2,13353%$740
At-Fault Accident$2,05147%$657
Driving with an Open Container$1,86434%$470
Operating a Vehicle Without Permission$1,82831%$435
Passing a School Bus$1,78328%$390
Improper Passing$1,75426%$360
Following Too Closely$1,84432%$450
Failure to Stop at a Red Light$1,73224%$338
Illegal Turn$1,73424%$340
Driving Wrong Way/Wrong Lane$1,75426%$360
Failure to Yield$1,73224%$338
Speeding in a School Zone$1,72023%$326
Driving Too Slowly$1,71823%$324
Distracted Driving$1,83332%$440
Driving with Expired Registration$1,5149%$120
Failure to Show Documents$1,5149%$120
Not-at-Fault Accident$1,54211%$148
Failure to Use Child Safety Restraint$1,4605%$66
Failure to Wear a Seat Belt$1,4605%$66
Driving Without Lights$1,4605%$66

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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.

Can an auto insurance company drop me for having bad credit?

Not in Oregon. State law dictates insurers can't cancel or non-renew policies that have been active for more than 60 days based on credit history or score, decline coverage based on certain aspects of credit history, rerate based on credit history, or decline coverage based on credit history alone.

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.

RankCityAvg. Annual Premium
5Lake Oswego$1,627
9Forest Grove$1,583
17Grants Pass$1,327

Recent Oregon Car Insurance Questions and Answers

Can my father insure my car if I'm financing it?

In most cases, you can insure your car on your father's policy but you will have to be listed as a driver on the policy. If you will not be driving the car you will need to listed as an additional interest on the policy for your vehicle.

What's the difference between a vanishing deductible and accident forgiveness

Let's first summarize the two: Accident Forgiveness with Liberty Mutual: If you're accident-free for five years (with any company), the company will forgive your first accident and not raise your rates. Furthermore, this policy can apply to all members of the household, including teenagers.

Can you get a 30 day waiver on your car insurance

I would call your car insurance company and speak to an agent or customer service representative. If your company is willing, you could probably work with them to pay your premium late and possibly have the late fee waived.

How do I know what coverage I have on my policy?

It's important to note that there is no such thing as "full coverage" when it comes to auto insurance. People who use that term are normally referring to a policy that includes comprehensive and collision coverage, but being specific can help you avoid confusion.

Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog,, and