Drivers in the Beaver State know it can be a challenge to find the best car insurance for their needs at an affordable rate. Our team of experts has done the research for you to identify the top choices for car insurance in Oregon based on each provider’s average cost, coverage options, customer reviews, and more.

Our team researched and reviewed the best car insurance companies nationwide, but we know car insurance rates vary widely from state to state. Read on to learn what you can expect to pay for auto insurance in Oregon based on a variety of driver profiles and situations.

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In This Review:

    Cheap Car Insurance In Oregon

    Finding an insurance policy that’s cost-effective is essential. Our review team compiled a list of the top five cheapest auto insurance providers in Oregon to help you know where to start looking. In our research, State Farm, USAA, and Nationwide stood out as good options for affordable car insurance.

    Car Insurance Providers in Oregon

    Estimated Annual Cost

    State Farm

    $961

    USAA

    $994

    Nationwide

    $1,067

    Progressive

    $1,068

    Country Financial

    $1,087

    How Much Is Auto Insurance In Oregon?

    According to our rate estimates, the average cost of full coverage car insurance in Oregon is $1,302 per year. Based on this, Oregon drivers pay about 25 percent less than the national average of $1,732. According to the National Association of Insurance Commissioners (NAIC), Oregon was the 21st-most expensive state for auto insurance coverage in 2018, the most recent year with available data.

    Though the average cost of auto insurance in Oregon falls below the national average, you’ll find different rates from providers based on a variety of factors, such as:

    • Age: Young drivers generally pay more for car insurance because they are considered high risk.
    • Gender: In many states, men tend to have higher car insurance premiums than women.
    • Marital status: Most married drivers pay less for coverage than single drivers. Married drivers also tend to have greater access to family or bundling discounts.
    • Driving record: It’s more difficult to find cheap car insurance rates if you have a speeding ticket, reported accident, or DUI on your record.
    • Credit score: A good credit score can lead to much more affordable auto insurance rates. Drivers with poor credit scores usually pay significantly more.
    • Coverage level: Full coverage policies cost more than state minimum liability coverage.

    Cheapest Oregon Car Insurance: Young Drivers

    For teen drivers and young drivers in general, auto insurance quotes tend to be much higher due to their lack of experience. Our review team found that a car insurance policy for a 24-year-old driver in the state of Oregon is about 22 percent more expensive than for a 35-year-old driver.

    Car Insurance Providers in Oregon

    Estimated Annual Cost

    State Farm

    $1,237

    Geico

    $1,281

    Country Financial

    $1,409

    USAA

    $1,534

    Nationwide

    $1,653

    Cheapest Oregon Car Insurance: Speeding Tickets

    If you have a speeding ticket on your driving record in Oregon, insurance becomes nearly 10 percent more expensive than it is for policyholders with clean records. State Farm, USAA, and Nationwide tend to offer the most affordable coverage to Oregon drivers with speeding tickets.

    Car Insurance Providers in Oregon

    Estimated Annual Cost

    State Farm

    $1,058

    USAA

    $1,266

    Nationwide

    $1,440

    Country Financial

    $1,450

    Progressive

    $1,539

    Cheapest Oregon Car Insurance: Recent Accidents

    Oregon drivers who have recent car accidents on their records could be looking at auto insurance costs that are about 23 percent higher than what drivers with clean records pay.

    Car Insurance Providers in Oregon

    Estimated Annual Cost

    State Farm

    $1,250

    USAA

    $1,515

    Country Financial

    $1,624

    Nationwide

    $1,871

    Travelers

    $1,873

    Cheapest Oregon Car Insurance: Bad Credit

    A poor credit score can change the price of car insurance in Oregon from expensive to astronomical. Our review team found that those with poor credit scores pay nearly 35 percent more for car insurance than those with good credit scores.

    Car Insurance Providers in Oregon

    Estimated Annual Cost

    Nationwide

    $1,474

    Country Financial

    $1,661

    Geico

    $1,854

    Progressive

    $1,865

    USAA

    $2,183

    Top 5 Auto Insurance Companies In Oregon

    Our team of experts found the best and cheapest car insurance providers in the state of Oregon by looking at each insurer’s cost, coverage, reliability, and service. We found State Farm, USAA, Nationwide, Country Financial, and Geico to be some of the best options for drivers in the Beaver State.

    Best Car Insurance in Oregon

    Overall Rating

    Cost Rating

    Coverage Rating

    1. State Farm

    4.5

    4.5

    4.0

    2. USAA

    5.0

    5.0

    4.5

    3. Nationwide

    4.0

    3.5

    4.5

    4. Country Financial

    4.0

    3.5

    4.0

    5. Geico

    5.0

    4.5

    5.0

    *Our research team scores car insurance companies by taking nationwide factors into account. The order of insurers in this table is specific to auto insurance in Oregon.

    #1 State Farm

    As the largest auto insurance provider in the U.S., State Farm topped our list for the best cheap car insurance in Oregon. Our review team named the insurer Best for Student Drivers based on its great discount opportunities for students and teens in particular. Young drivers can save by taking a driver’s ed course, maintaining good grades in school, participating in the Steer Clear® program, and more.

    With an A++ financial strength rating from AM Best and an A rating from the Better Business Bureau (BBB), State Farm holds a positive industry reputation. Based on our team’s research,  young drivers, drivers with clean records, and those with recent accidents can find some of the best car insurance rates in Oregon through State Farm.

    For more information on this provider, read our State Farm insurance review.

    #2 USAA

    Although auto insurance from USAA is limited to military members, veterans, and their families, it’s a smart choice for those who are eligible for coverage. In addition to a wide range of coverage options, USAA offers great discounts and benefits specifically for military service members. This is part of why our review team recognized the provider as Best for Military Members.

    USAA tends to offer some of the most affordable rates for many types of drivers, both nationwide and in Oregon in particular. The company holds high industry ratings, including an A+ BBB rating as well as an A++ AM Best financial strength rating. It also received the highest score for customer satisfaction in the Southwest region in the J.D. Power 2021 U.S. Auto Insurance Study℠.

    For in-depth information on this provider, including average costs and coverage details, check out our USAA insurance review.

    #3 Nationwide

    Recognized as a great option for older drivers and senior citizens, Nationwide has been providing high-quality insurance products for nearly a century. The company is known for providing a wide range of coverage options, as well as some of the lowest auto insurance rates for many Oregon drivers. Nationwide also offers accident forgiveness, usage-based insurance, and gap insurance.

    Nationwide has a positive industry reputation, holding an A+ financial strength rating from AM Best and an A+ BBB rating. However, it did fall below the industry average for its claims process in the J.D. Power 2021 U.S. Auto Claims Satisfaction Study℠.

    #4 Country Financial

    With coverage available in 19 states, including Oregon, Country Financial has been providing top-quality insurance products and localized service since 1925. The insurer has local representatives who can help you determine what type of policy best fits your needs. The company also offers homeowners and renters insurance.

    Country Financial offers several discount opportunities to help Oregon drivers save on their policies, including a multi-policy discount, a good student discount, a good driver discount, and many more. The insurer has A+ ratings from both the BBB and AM Best.

    #5 Geico

    Our team recognized Geico as the Best Overall Provider in our review of the best car insurance companies nationwide. Many Oregon drivers can find low rates through Geico, especially young drivers and those with poor credit scores. This provider can also be a great option for students and military members due to its savings opportunities.

    Geico is well regarded in the insurance industry. It received an above-average score in the most recent J.D. Power Auto Claims Satisfaction Study. The insurer also has an A++ financial strength rating from AM Best as well as an A+ BBB rating.

    For more information about this provider, read our Geico insurance review.

    Oregon Insurance Requirements

    According to Oregon Driver & Motor Vehicle Services, these are the state minimum coverage requirements for drivers in the state:

    • Bodily injury liability: $25,000 per person/$50,000 per accident
    • Property damage liability: $20,000 per accident
    • Personal injury protection (PIP): $15,000 per person
    • Uninsured motorist coverage: $25,000 per person/$50,000 per accident

    Each state has its own minimum insurance requirements, which generally require that drivers at least carry liability insurance, though these limits vary. Two additional types of car insurance coverage that are recommended are comprehensive coverage and collision coverage. These coverage types offer additional peace of mind when you’re driving your vehicle, though they are not mandated by the state of Oregon.

    How To Get Oregon Car Insurance Quotes

    To find affordable coverage that fits your needs, we recommend getting car insurance quotes from top-rated providers to compare your cost and coverage options. To get started, you can generally receive quotes online from most major providers. This is a quick and easy way to get an idea of what you’ll pay with each company you’re considering. You can also call companies for quotes or reach out to insurance agents or brokers for a more personalized quote experience.

    Based on our review team’s comprehensive research, we found State Farm to be the top choice for car insurance in Oregon. State Farm offers low auto insurance rates across a variety of demographics, which is ultimately what separates this provider from its competitors. USAA, Nationwide, Country Financial, and Geico are also great options for drivers in the Beaver State.

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    Answer a few simple questions to save money on your policy

    Frequently Asked Questions

    • How much is car insurance a month in Oregon?

      According to our rate estimates, drivers in Oregon pay an average of $1,302 per year for full coverage car insurance, which comes to around $109 per month. However, this will vary based on factors such as a policyholder’s age and driving record.

    • Does insurance follow the car or driver in Oregon?

      Auto insurance follows the car in the state of Oregon, meaning your policy will generally cover the damage that occurs to your vehicle, even if someone else is driving your car.

    • Is it cheaper to insure a new car or a used car?

      A used car is cheaper to insure than a new car. Because the costs of parts and repairs are much higher on a new vehicle due to factors such as newer technology, new cars are more valuable and more expensive to insure.

    • What insurance should I get for a used car?

      You’ll need to at least meet the minimum insurance requirements of your state, but we recommend also purchasing comprehensive and collision coverage to ensure you’re covered if your vehicle is damaged. It’s also worth considering providers’ additional coverage options to see what best suits your needs.

    • Is it illegal to drive without insurance in Oregon?

      Yes, it is illegal to drive without car insurance in Oregon.

    How We Rate Insurers

    Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

    • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
    • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
    • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
    • Service: We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

    *Data accurate at time of publication.