Car Insurance in Oregon
- Compare the cheapest car insurance quotes in OR with The Zebra
- Coverage from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
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. The average car insurance rate in Oregon is $1,325 per year — 15% less than the U.S. average. Car insurance rates are impacted by more than just your location. Auto insurance rates comprise many factors, including a driver's age and driving history. The Zebra's experts analyzed average Oregon car insurance rates for these rating factors in an effort to help you find an affordable policy.
Read on to learn how much auto insurance costs in Oregon based on these variables, or submit your ZIP code above to receive custom quotes from top insurers.
The best car insurance companies in Oregon
Based on data from J.D. Power's 2021 Auto Satisfaction Study and The Zebra's Customer Satisfaction Survey, we have compiled a list of the best car insurance companies in Oregon.
Along with topping The Zebra's Customer Satisfaction Survey, USAA received a score of 884 (out of 1,000) in J.D. Powers' 2021 U.S. Auto Insurance Study for the state of Oregon.
State Farm placed second in this region on J.D. Power's 2021 auto study with a scored an 844 and third in The Zebra's Customer Satisfaction Survey.
PEMCO Insurance placed third in this region with a score of 835 in J.D. Power's 2021 Auto Insurance Study.
The cheapest car insurance companies in Oregon
These companies offer the cheapest rates in the following scenarios.
The cheapest rates are from GEICO at $1,599 annually, or $133 per month.
For the minimum required coverage in Oregon, USAA is the cheapest on average.
If you have a DUI on your record, check out State Farm for the cheapest average rates.
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Oregon auto insurance laws
Car insurance is mandatory in almost every state, including Oregon. If you choose the legal minimum coverage level in Oregon, expect to pay an average of $637 annually. This expenditure is less expensive than the nationwide average by 18%.
State minimum coverage
In order to drive legally in the state of Oregon, you must carry at least the minimum liability limits listed below:
- 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 coverage in Oregon (varies by carrier):
- Loan/Lease Payoff
- Rental Car Reimbursement
- Roadside Assistance
- Uninsured Motorist Property Damage
If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Oregon, a comprehensive insurance policy with a $1,000 deductible costs $1,213, 90% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, expect to pay 119% more than you would for basic coverage.
Compare car insurance rates from the best companies in Oregon.
Oregon car insurance premiums by rating factor
Your rates are determined by a number of individual factors, including your coverage level, driving history, location, and more. Explore average premium costs by rating factor below to get a better sense of how much you should be paying for auto insurance in Oregon.
Cheap auto insurance in Oregon for minimum coverage
Forgoing full coverage for liability-only at the state minimum level will make your car insurance significantly cheaper. In Oregon, the average cost for minimum coverage is $53 per month, or $637 yearly — a savings of $757 compared to full coverage.
Cheap auto insurance in Oregon with bad credit
Your credit history is an important factor in determining your car insurance rates. Many carriers see those with a poor credit score as being higher risk, meaning you could pay more for your policy. On average, Oregon drivers with poor credit pay 53% more per year than those with exceptional credit. Have a look at some common rates by credit tier below.
Cheap auto insurance in Oregon with an at-fault accident
Your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. An at-fault accident in recent years could see your car insurance rates increase by as much as $763 per year.
Safe driver discounts
In addition to having a cheaper premium, some companies offer a safe driving discount. While the amount varies based on your company, it can range between 5 and 10%.
Cheap auto insurance for young drivers in Oregon
Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Oregon, teen drivers pay especially high rates: $4,841 per year — that's $45 more than the nationwide average and over twice as much as a typical Oregon driver.
Oregon auto insurance rate by violation
In Oregon, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.
|Accident/Violation||Avg. Annual Premium||% Rate Increase||$ Rate Increase|
|One Med/PIP claim||$1,511||0%||$3|
|One comp claim||$1,599||6%||$90|
|Two Med/PIP claims||$1,619||7%||$111|
|Failure to wear a seat belt||$1,720||14%||$211|
|Child safety restraint||$1,771||17%||$263|
|Two comp claims||$1,780||18%||$271|
|Driving without lights||$1,781||18%||$273|
|Failure to show documents||$1,803||20%||$295|
|Driving with expired registration||$1,847||22%||$338|
|Speeding 6 - 10 MPH over limit||$1,905||26%||$396|
|Speeding 16 - 20 MPH over limit||$1,905||26%||$397|
|Speeding 11 - 15 MPH over limit||$1,905||26%||$397|
|Driving too slowly||$1,910||27%||$401|
|Wrong way/wrong lane||$1,921||27%||$412|
|Failure to stop at a red light||$1,922||27%||$414|
|Failure to yield||$1,923||27%||$414|
|Following too closely||$1,923||27%||$414|
|Texting while driving||$1,924||28%||$415|
|Cell phone violation||$1,925||28%||$416|
|Passing school bus||$1,997||32%||$488|
|Speeding in school zone||$2,086||38%||$577|
|Speeding 21 - 25 MPH over limit||$2,127||41%||$618|
|In 65 MPH zone||$2,151||43%||$642|
|At-fault accident - less than $1000||$2,171||44%||$662|
|Operating a vehicle without permission||$2,217||47%||$708|
|At-fault accident - $1000-$2000||$2,309||53%||$801|
|At-fault accident - greater than $2000||$2,319||54%||$810|
|Refusal to submit to a chemical test||$2,612||73%||$1,103|
|Driving with a suspended license||$2,687||78%||$1,179|
|Leaving scene of an accident/hit and run||$2,770||84%||$1,262|
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.
There is no car insurer in particular that offers cheap DUI auto insurance. The recommended way to save in the wake of a DUI citation is to shop around.
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.
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.
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.
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.
Find an affordable policy in Oregon in minutes!
Rates by city
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 Central Point, 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.
Car insurance price trends in Oregon
In Oregon, average annual auto insurance costs decreased by just $7 in the past year. A typical Oregon driver pays an average of $1,325 per year.
The recent pricing trend in Oregon leans toward slightly cheaper car insurance costs and remains lower than the national average. The steepest decrease occurred from 2017 to 2018, while the highest surge took place from 2016 to 2017. At the same time, car insurance rates across the United States have stayed relatively steady in the past few years, moving from $1,521 in 2018 to $1,529 in 2021.
|Year||Avg. Annual Premium — Oregon||Yearly Change — Oregon||Avg. Annual Premium — US||Yearly Change — US|
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.
Oregon car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Oregon auto insurance.
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.
Save money on your next car insurance policy!
Other people are also asking...
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.