Edited By Ross Martin
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.
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.
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