Cheap Oregon Car Insurance

Compare the best rates from 9 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 just waiting to be driven. We’ll get you prepped, then you take the wheel.

 


 

Cheap Car Insurance

What's the cheapest car insurance in Oregon?
RankCompany NameAvg. Annual Premium
1Grange$701
2Oregon Mutual$836
3Country$839
4Travelers$933
5USAA$960
6State Farm$1,050
7Amica$1,148
8GEICO$1,167
9Allied$1,191
10Mutual Enumclaw$1,200
11Cal Casualty$1,206
12Progressive$1,247
13MetLife$1,314
1421st Century$1,337
15American Family$1,445
16Encompass$1,590
17Allstate$1,688
18Farmers$1,974
19Safeco$2,194
20Liberty Mutual$2,483
21Nationwide$2,866
22Sentry$3,161
23Dairyland$4,164

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Cheap 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 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 16-19 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
16$5,308$7,645
17$4,930$6,316
18$4,813$5,114
19$4,278$3,266

Cheap Car 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 could raise your car insurance rates by 19% in Oregon.

Rating FactorAnnual Rate% Increase
At-Fault Accident$2,12136.04%
DUI$2,47545.21%
Speeding Violation$1,69019.74%
Bad Credit$2,66449.10%

What are the 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 A.M. 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 (A.M. Best)
Allstate3Superior
American Family4Excellent
Amica4Superior
Country3Superior
EncompassNot RatedSuperior
Farmers3Excellent
GEICO3Superior
Liberty Mutual3Excellent
MetLife3Superior
Mutual EnumclawNot RatedExcellent
Nationwide4Superior
Progressive3Superior
State Farm3Superior
Travelers3Superior
USAA5Superior

 

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What is the Best Car Insurance Coverage in Oregon?

The legal auto insurance minimum in Oregon is $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-only and comprehensive coverage options below.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Oregon$745.09$1,253.24$1,375.98
National Average$657.66$1,241.26$1,397.94

Car Insurance Laws

State minimum insurance requirements in Oregon

In Oregon, the state minimum coverage requirements are as follows:
Liability
  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $20,000 per accident
Uninsured/Underinsured Motorist
  • 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):
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured Motorist Property Damage

Liability coverage is legally required in Oregon and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Oregon, the minimum is listed as 25/50/20 and explained below:

  • $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
  • $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $20,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Uninsured/underinsured Motorist coverage is legally required in Oregon and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured/underinsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In Oregon, the minimum is listed as 25/50 and explained below:

  • $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured/underinsured driver.
  • $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured/underinsured driver if more than one person is hurt.

Personal Injury Protection provides coverage for medical costs that you and your passengers incur in an accident regardless of fault. PIP will cover medical expenses such as hospital bills, rehabilitation costs, and even work loss resulting from an accident. In Oregon, minimum PIP coverage of $15,000 per person is required on your policy.

These numbers reflect the minimum limits required in Oregon but higher coverage amounts are available with most companies.

Oregon Car Insurance FAQs

Do you need insurance to register a car in Oregon?

Yes. Car insurance is listed as a document needed to register a vehicle in the state of Oregon.

Why is car insurance so expensive in Oregon?

Oregon's car insurance premiums are 13% more expensive than the national average. This is due to minimum insurance requirements — PIP and uninsured motorist — the number of claims, and individual drivers' rating factors.

Do I need to list my child on my car insurance policy in Oregon?

If your child will drive your vehicle, they need to be listed on the policy as a covered driver. If they are not licensed and do not use the vehicle, they do not need to be added.

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 Redmond, Oregon, and the most expensive in Gresham, Oregon.

RankCityAvg. Annual Premium
1Gresham$1,869
2Portland$1,715
3Aloha$1,587
4Beaverton$1,586
5Lake Oswego$1,560
6Woodburn$1,557
7Hillsboro$1,544
8Forest Grove$1,518
9Newberg$1,514
10Tualatin$1,504
11Keizer$1,483
12Salem$1,482
13McMinnville$1,465
14Oregon City$1,416
15Tigard$1,349
16West Linn$1,335
17Bend$1,277
18Albany$1,274
19Springfield$1,266
20Eugene$1,265
21Grants Pass$1,261
22Medford$1,247
23Roseburg$1,241
24Corvallis$1,240
25Redmond$1,235

Recent Oregon Car Insurance Questions and Answers

Should I file a claim for raccoon damage?

I hit a raccoon am I at fault? And how much will it cost out of pocket as my deductible?...

DEC 14, 2018
|
EUGEAN, OR
Will my insurance cover my vehicle to be towed out of a hill?

I have a truck stuck a few hundred yards down a hill. There’s no damage but it may never be ...

OCT 26, 2018
|
GRANTS PASS, OR
Why did my rate increase for a $25 towing claim?

I used roadside & towing coverage once, my car was towed 2 miles, bill $75, insurance paid $25. I have ...

OCT 25, 2018
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ALBANY, OR
Can my father insure my car if I’m financing it?

Can my father insure my car if I’m financing it?...

OCT 05, 2018
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CORNELIUS, OR

Driving Laws

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 Laws

The DUII lookback period in Oregon is five years. Multiple DUII offenses within five years 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

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.

Prompt

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 destrination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.

Qualifications

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 scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

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

Deadline

Applications must be received by 11:59 p.m. CST on December 31st, 2019

Notification

Winner(s) will be selected and notified by email by January 31st, 2020

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.

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