Cheap Oregon Car Insurance

Find affordable auto 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.


Affordable insurance companies 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.

Compare Oregon car insurance quotes from top providers.

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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$33419.74%
No Accidents$76436.04%
Good Credit$1,30849.10%


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.

AgeAnnual Rate with ParentsAnnual Rate Alone


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 drivingmost 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%

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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)

AllstateAbove averageAverageSuperior4.3 / 5
Cal CasualtyN/AN/AGoodN/A
GEICOAverageAverageSuperior4.4 / 5
Liberty MutualBelow averageAbove averageGood4.2 / 5
Oregon MutualN/AN/AExcellentN/A
ProgressiveBelow averageBelow averageExcellent4.3 / 5
State FarmAbove averageAbove averageSuperior4.5 / 5
TravelersBelow averageBelow averageSuperior4.3 / 5
USAAExcellentExcellentSuperior4.6 / 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.

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


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


Recent Questions:

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. According to our 2021 State of Insurance report, The average annual premium in Oregon in 2020 was $1,332 — a tad lower than the national average of $1,456.
Jan 22, 2020 Eugene, OR

Can I insure the engine of a vehicle for added protection?

Auto insurance policies are meant to protect your vehicle if it is damaged as the result of a covered loss. Unfortunately, breakdowns, wear and tear, and warranty issues are not covered on a traditional auto policy.
Sep 16, 2016 Portland, OR

How do I insure the space my RV occupies?

Unfortunately, we do not insure RV spaces. We can insure your motorhome but not the land it resides on.
Jul 21, 2021 Grants Pass, OR

An automated security gate hit my door, should I file a claim or get them to pay for the damages?

It's unlikely to company will pay for damages to your vehicle because, as you stated, you misjudged where the gate would open to. In terms of filing a claim with your insurance company, I recommend getting an estimate first to see how much the damage will cost.
Dec 11, 2017 Portland, Oregon

Kristine Lee
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