Car Insurance in Oregon
- Travelers offers the cheapest liability at $49/mo.
- Travelers has the cheapest full coverage at $101/mo.
Enter your ZIP code to start your search for Oregon car insurance:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Oregon at the right price.
About The Zebra's recommendations
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Car insurance quotes in Oregon
The average car insurance rate in Oregon is $1,049 for a six-month policy — 10% cheaper than the U.S. average.[1]
According to our data, 20% of Oregonians believe they’re overpaying for car insurance.[2] Yet, many are still open to paying a premium for exceptional customer service and more extensive coverage options.
Cheapest full coverage in OR
- Travelers offered the cheapest full coverage in Oregon at $101/mo.
Cheapest liability coverage in OR
- Travelers offered the cheapest liability coverage in Oregon at $49/mo.
Best customer service in OR
- State Farm scored 667 in JD Power's latest study — the highest in Oregon.
Cheap full coverage insurance in Oregon
In 2026, the average cost of full coverage insurance in Oregon is $1,049 for a six-month policy. Full coverage is a popular choice here, with 53% of The Zebra’s Oregon customers opting for quotes that offer this more comprehensive protection.[2]
While full coverage may cost more than basic liability insurance, it’s worth the investment for peace of mind. If you’re looking to get the best deal, start by checking out quotes from Travelers. At $101 per month, they're the cheapest full coverage quotes for our average user profile.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $604 | $101 |
| State Farm | $651 | $109 |
| Progressive | $700 | $117 |
| Oregon Mutual | $786 | $131 |
| USAA | $813 | $135 |
| GEICO | $831 | $138 |
| Encompass | $869 | $145 |
| Nationwide | $1,068 | $178 |
| Cal Casualty | $1,068 | $178 |
| Farmers | $1,182 | $197 |
| American Family | $1,355 | $226 |
| Country | $1,890 | $315 |
Source: The Zebra
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Cheap liability insurance in Oregon
The average cost for liability insurance in Oregon is $498 for a 6-month policy.[1] For our user profile, Travelers offers the most affordable liability insurance options in the state at $49/mo.
According to our data, 40% of Oregon drivers carry only the state-required liability coverage.[2] In Oregon, the law mandates minimum liability limits of 25/50/20. Learn more about car insurance requirements in the state of Oregon with our helpful guide.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $294 | $49 |
| Progressive | $345 | $58 |
| USAA | $355 | $59 |
| State Farm | $367 | $61 |
| GEICO | $372 | $62 |
| Oregon Mutual | $401 | $67 |
| Cal Casualty | $411 | $69 |
| Encompass | $451 | $75 |
| Nationwide | $582 | $97 |
| Farmers | $632 | $105 |
| American Family | $684 | $114 |
| Country | $830 | $138 |
Source: The Zebra
Although Oregon is an at-fault state, every auto insurance policy must include Personal Injury Protection (PIP) coverage. PIP helps pay for your medical expenses, lost wages, and certain other injury-related costs after a covered accident, regardless of who caused the crash.[4] Oregon requires a minimum of $15,000 in PIP medical benefits, providing drivers with immediate financial assistance while liability claims are being resolved. This combination of an at-fault system with mandatory PIP makes Oregon's auto insurance laws relatively unique.
Renata Balasco, licensed agent and insurance writer at The Zebra
Updating data...
| Company | Liability Coverage - 6mo | Full Coverage - 6mo |
|---|---|---|
| USAA | $355 | $813 |
| Travelers | $294 | $604 |
| State Farm | $367 | $651 |
| Sentry | $652 | $1,457 |
| Progressive | $345 | $700 |
| Oregon Mutual | $401 | $786 |
| Nationwide | $582 | $1,068 |
| MetLife | $852 | $1,493 |
| GEICO | $372 | $831 |
| Farmers | $632 | $1,182 |
| Encompass | $451 | $869 |
| Country | $830 | $1,890 |
| Cal Casualty | $411 | $1,068 |
| American Family | $684 | $1,355 |
Source: The Zebra
What are the best car insurance companies in Oregon?
We’ve named State Farm as Oregon's top car insurance provider. Our decision is based on a combination of consumer feedback, expert evaluations from sources like JD Power, Trustpilot, and AM Best, as well as a thorough review of their discounts and coverage options.
Add insurance companies to the tool below to see how each stacks up against our pick on a national level.
Local insights
Drivers near you in Oregon weigh in
"Switching to GEICO from Progressive cut my insurance in half."
-Reddit user on r/Oregon
"Progressive is the cheapest option. I've shopped around for cheaper rates for my coverage and haven't found anything cheaper."
-Reddit user on r/Oregon
Compare Oregon car insurance quotes and companies with The Zebra.
Car insurance in popular Oregon cities
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 Corvallis, Oregon and the most expensive in Gresham, Oregon.
Have a look at the table below to see average car insurance costs in some of Oregon's biggest cities.
Source: The Zebra
Updating data...
Source: The Zebra
Real expertise. Trusted guidance.
Erick began his insurance career at The Zebra in 2020, starting in an unlicensed role assisting customers before earning his Property & Casualty lice…
Credentials
- Licensed Insurance Agent — Property and Casualty
Blake joined The Zebra in 2021 after a 5-year career at GEICO, where he started as a producer selling auto, property, cycle, RV, and boat policies be…
Credentials
- Licensed Insurance Agent - Property and Casualty
- 7+ years insurance experience
Erica began at The Zebra in 2020 as a Licensed Service Agent, bringing six years of insurance experience from her career at Progressive where she spe…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 10+ years in the insurance industry
Oregon auto insurance quotes after an accident or ticket
Your driving history plays a major role in what you’ll pay for car insurance in Oregon. Even one at-fault accident can send your premiums soaring. Insurers see your past accidents as a sign of risk, so even a single incident can lead to a steep rate increase. Check out the average cost of coverage from top Oregon insurers after an at-fault accident.
Source: The Zebra
Source: The Zebra
The Zebra's guide to Oregon car insurance laws for high-risk drivers
For high-risk drivers in Oregon with serious infractions like a DUI or reckless driving, the consequences extend far beyond fines — they can significantly impact your car insurance. These violations often lead to higher premiums, potential policy cancellations, and challenges in finding coverage.
Understanding Oregon's insurance requirements is crucial for staying on the road legally. Our comprehensive guide breaks down the essentials, from mandatory coverage to the penalties for non-compliance, helping you navigate the complexities of high-risk auto insurance in the state.
Oregon DUI laws
In Oregon, a DUI offense can increase your annual car insurance premium substantially. 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. Check out the table below to see average rates by top insurers in Oregon.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Progressive | $826 | $138 |
| Travelers | $868 | $145 |
| State Farm | $920 | $153 |
| Oregon Mutual | $1,314 | $219 |
| Farmers | $1,578 | $263 |
| USAA | $1,678 | $280 |
| GEICO | $1,754 | $292 |
| American Family | $1,890 | $315 |
| Nationwide | $2,303 | $384 |
| Cal Casualty | $2,467 | $411 |
| Country | $2,551 | $425 |
| Encompass | $3,677 | $613 |
Source: The Zebra
There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.
Oregon SR-22 laws
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!
How have car insurance costs in Oregon changed?
Oregon's auto insurance market has experienced notable ups and downs in recent years, with premiums shifting alongside economic conditions, regulatory changes, and evolving risk factors. Rates have seen periods of sharp increases, often tied to rising claim costs and broader inflation trends, as well as occasional slowdowns or declines.
This kind of volatility highlights why it pays to shop around—insurance prices can vary widely depending on timing, market conditions, and individual factors, making regular comparison one of the easiest ways for drivers to avoid overpaying.
| Year | Avg. Annual Premium — Oregon |
|---|---|
| 2026 | $1,903 |
| 2025 | $1,949 |
| 2024 | $1,611 |
| 2023 | $1,636 |
| 2022 | $1,509 |
| 2021 | $1,325 |
| 2020 | $1,332 |
| 2019 | $1,441 |
| 2018 | $1,435 |
| 2017 | $1,796 |
| 2016 | $1,562 |
| 2015 | $1,885 |
Save money on your next car insurance policy!
Oregon car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Oregon auto insurance.
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
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Anonymized User Surveys. The Zebra
Anonymized User Surveys. The Zebra
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U.S. Auto Insurance Study. JD Power
U.S. Auto Insurance Study. JD Power
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Oregon Requires Personal Injury Protection (PIP) Coverage. PIP Coverage.
Oregon Requires Personal Injury Protection (PIP) Coverage. PIP Coverage.
RECENT QUESTIONS ABOUT CAR INSURANCE IN OR
An automated security gate hit my door, should I file a claim or get them to pay for the damages?
Is it considered an at-fault accident if I hit a tree?
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Why did my Farmers rate go up if I haven’t had any accidents or tickets?
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.
