Progressive ranks as Oregon's best car insurance company with a MoneyGeek score of 4.9 out of 5, scoring high marks in affordability, customer service and coverage options. Since insurance needs vary by driver, we also recommend considering Travelers, State Farm, GEICO and Nationwide.
Best Car Insurance in Oregon
Updated: November 2, 2025
Advertising & Editorial Disclosure
Key Takeaways
Best overall car insurance provider Progressive ranks first in Oregon, leading the competition with top scores in affordability.
Travelers stands out for young drivers and those with accident history, while Progressive offers the best rates for drivers with newer vehicles.
Oregon drivers can secure better rates by deciding coverage needs first, researching provider options and comparing plenty of quotes before choosing.
Best Car Insurance Companies in Oregon
| Progressive | 4.90 | $64 | 2 | 2 |
| Travelers | 4.86 | $66 | 1 | 4 |
| State Farm | 4.68 | $65 | 3 | 6 |
| Geico | 4.60 | $67 | 4 | 6 |
| Nationwide | 4.19 | $94 | 5 | 4 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Oregon by Driver Profile
Progressive leads in five categories including adult drivers, senior drivers and drivers with DUIs. Travelers takes the top spot in four categories, offering the cheapest rates for young drivers, accidents, bad credit and low-income coverage.
| Young Drivers | Travelers | 2 | 1 | 4 |
| Adult Drivers | Progressive | 2 | 2 | 2 |
| Senior Drivers | Progressive | 4 | 2 | 2 |
| Drivers With an Accident | Travelers | 2 | 1 | 4 |
| Drivers With a DUI | Progressive | 2 | 2 | 2 |
| Drivers With a Speeding Ticket | Travelers | 2 | 1 | 4 |
| Drivers With Bad Credit | Travelers | 3 | 1 | 4 |
| Drivers With Low Income | Travelers | 3 | 1 | 4 |
| Drivers With Newer Cars | Progressive | 1 | 2 | 2 |
| Drivers With Old Cars | Progressive | 4 | 2 | 2 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Oregon Car Insurance Recommendations
Our research provides general guidance, but your insurance needs are unique. Compare these five top providers to find coverage that matches your specific profile and requirements.
Data filtered by:
Adult Drivers
Female
100/300/100 Full Cov. w/$1,000 Ded.
Good
At Fault Accident ($1000-$1999 Prop Dmg)
| Progressive | 0.21 | $128 | 2 | 2 |
| Travelers | 0.20 | $109 | 1 | 4 |
| Country Financial | 0.17 | $89 | 11 | 4 |
| State Farm | 0.17 | $106 | 3 | 6 |
| Allstate | 0.17 | $167 | 6 | 3 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Oregon Car Insurance Reviews
See detailed service comparisons for our top-rated insurance companies below.
Progressive
Best Cheap Overall in Oregon
MoneyGeek Rating
4.9/ 5
5/5Affordability
4.7/5Customer Experience
4.8/5Coverage Points
Average Monthly Full Coverage Cost
$82For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$46For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.3/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Pet Injury Coverage
Travelers
Best Customer Experience in Oregon
MoneyGeek Rating
4.9/ 5
4.9/5Affordability
5/5Customer Experience
3.9/5Coverage Points
Average Monthly Full Coverage Cost
$82For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$49For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.2/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
IntelliDrive Plus Program
How to Find the Best Car Insurance in Oregon
Finding the right car insurance in Oregon doesn't have to be complicated. Our guide helps you compare rates, understand coverage requirements and choose a policy that fits your needs.
- 1Decide on coverage needs before you buy
Decide on what coverage you need. Consider your driving habits, location and finances when deciding on auto insurance levels while meeting Oregon required minimums.
- 2Research average costs and discounts you may qualify for
Start by researching average car insurance costs in Oregon to understand typical rates for your profile. Look into savings opportunities like home and auto insurance bundles, telematics programs and good student discounts. Taking a defensive driving program can provide additional savings on your premium.
- 3Look through provider customer experiences and coverage options thoroughly
Look beyond premiums and review available add-on coverages to get the best option.
- 4Consider non-standard coverage options
Explore specialized options like non-owner car insurance and pay-per-mile policies that might better suit your situation. If you need an SR-22 in Oregon, remember that provider recommendations may differ.
- 5Compare plenty of quotes through multiple means
Shop around to find the cheapest option possible for your coverage needs.
- 6Reassess annually
Auto insurance rates change frequently so compare rates and coverage options to find the best value for your insurance needs.
Best Oregon Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. Progressive is the top-rated company overall, while Travelers and State Farm are also good options for drivers in Oregon.
Best Auto Insurance in Oregon: FAQ
Finding the right car insurance depends on your specific needs, so here are answers to common questions that will help you choose the best coverage.
What is the best car insurance company in Oregon?
Progressive is Oregon's top auto insurance provider, with full coverage plans averaging $82 per month.
What is the best car insurance company for minimum coverage in Oregon?
State Farm ranks highest for minimum coverage in Oregon with an average rate as low as $464 per year.
What is the best car insurance in Oregon for young drivers?
Travelers provides excellent auto insurance for young adults in Oregon, combining competitive rates around $85 per month with outstanding customer service and comprehensive coverage options.
What is the best car insurance for Oregon drivers who value customer service?
Travelers ranks highest for customer experience in Oregon with a 5 out of 5 score. The company excels in their purchase experience, agent support, digital tools and claims handling satisfaction.
What is the best car insurance in Oregon if you have driving offenses?
Travelers offers the best insurance for Oregon drivers with a speeding ticket, charging $58 per month for minimum coverage and $104 per month for full coverage policies.
How We Rated the Best Car Insurance in Oregon
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Oregon. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- Affordability (60% of score): We look at quotes for different driver profiles and compare rates within Oregon. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
- Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Oregon-specific feedback to get an accurate score.
- Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.