Cheap Oregon Car Insurance

Compare the best rates from 33 car insurance companies in Oregon.

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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, then you take the wheel.


Affordable Insurance Premiums 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

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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$2,12136.04%
Speeding Violation$1,69019.74%
Bad Credit$2,66449.10%

Best 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


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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$657.66$1,241.26$1,397.94

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

Ticket Impact 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.

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

My car was hit by a drunk driver that ran off. Why do I owe a deductible if my car was damaged in a hit and run?

Your insurer should not at all be listing you as the liable or at-fault party in a hit-and-run claim. I recommend contacting your insurance company to ensure they are filing the claim accurately. If you're using uninsured motorist coverage for this claim, you could be responsible for your deductible; but depending on the circumstances, this could be reimbursed back to you. If you have any questions, feel free to ask.

I receive SSI and SNAP benefits as well as income from work and just got my driver's permit. Does my state offer low-income insurance?

Unfortunately, Oregon is not one of the few states that offer special insurance programs for low-income individuals and families. The average annual premium in Oregon was $1,463 — a tad lower than the national average of $1,548. Your best bet for finding affordable insurance is to shop around as much as possible.

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.

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.

Oregon Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in Oregon, while also getting an insider view of the Beaver State.


So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.


Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to

4. Please include...

your name, address, and phone number when you submit


Selected winner(s) will be awarded a check for $1,000


Applications must be received by 11:59 p.m. CST on December 31st, 2020


Winner(s) will be selected and notified by email by January 31st, 2021

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.