Best Car Insurance in Oregon

Oregon's leading auto insurance providers for 2026: Progressive, Travelers, and Country Financial offer top coverage options.

Discover if you're overpaying for Oregon car insurance below.

Written by Mark Fitzpatrick

Updated: December 29, 2025

Advertising & Editorial Disclosure

Top Rated Car Insurance Companies in Oregon

The top-rated car insurance companies in Oregon are:

Best Overall and Best for Seniors: Progressive
Best for Young Drivers or Those With a Violation: Travelers
Best Cheap for Drivers With Bad Credit or Low Income: Country Financial

Why You Can Trust MoneyGeek

MoneyGeek's proprietary methodology identified Oregon's best car insurance by researching over 70 companies and analyzing actual quotes, verified customer reviews from trusted sources like J.D. Power, and coverage details. Our ratings prioritize what matters most: affordability (60%), customer experience (30%), and coverage options (10%).

Best Car Insurance Companies in Oregon

Progressive is the best car insurance company in Oregon, with a 4.9 out of 5 MoneyGeek score. It excels in affordability, customer service and coverage options.

Progressive offers Oregon's most affordable rates. Drivers with clean records pay $81 monthly for full coverage, which runs 11% below state averages.

Travelers earns top marks for young drivers with competitive rates 29% below what most insurers charge this age group. The company maintains a perfect 5.0 customer experience score.

Our recommendations provide a starting point, but your age, driving record and coverage needs determine which provider offers the best value. Compare these top companies to find the insurer that best fits your profile.

Data filtered by:


Progressive	4.90	$81	5.00	4.70	4.80
Travelers	4.90	$83	5.00	5.00	3.90
State Farm	4.60	$88	4.90	4.70	3.00
Geico	4.60	$89	4.90	4.50	3.00
Nationwide	4.40	$111	4.40	4.50	3.90

*The rates above are based on a male driver insuring a 2012 Toyota Camry with good credit.

How much does car insurance in Oregon cost?

How much car insurance do I need in Oregon?

Best Overall Insurer in Oregon: Progressive

Progressive

Best Overall and Best for Seniors

MoneyGeek Rating

4.9/ 5

5/5Affordability

4.7/5Customer Experience

4.8/5Coverage Points

Average Monthly Full Coverage Cost
$82
Average Monthly Minimum Coverage Cost
$46
Most Unique Coverage Add-On
Pet Injury Coverage

pros
- Ranks first overall among Oregon car insurance providers
- Leads the state in affordability for budget-conscious drivers
- Advanced mobile app enables quick claims filing and tracking
- Snapshot program rewards safe drivers with personalized discounts
cons
- Higher claim denial rates than some major competitors
- Limited local agent presence in rural Oregon communities
Progressive earns MoneyGeek's highest score (4.9 out of 5) among Oregon insurers. The company ranks first in affordability and coverage options while maintaining strong customer service ratings.

Progressive offers competitive rates for both clean-record drivers and those with violations. Oregon drivers get comprehensive coverage at rates 11% below the state average, saving about $119 annually.
Progressive's monthly premiums range from $46 for minimum coverage to rates varying by driver profile for full coverage. Most drivers with clean records pay $70 to $95 monthly for full coverage. Young drivers pay $180 to $350 monthly.

These rates run 11% below Oregon averages, saving drivers about $119 annually.

Progressive offers additional savings through its Snapshot program (up to 30% off based on driving habits) and bundling discounts (12% to 25% off when combining home and auto policies).
Progressive scores 4.7 out of 5 for customer satisfaction. The company processes standard claims within five to seven business days. Customer service runs 24/7 at 1-800-776-4737 with average wait times under five minutes.

The mobile app rates highly for its design and functionality. You can file claims, generate photo estimates, receive direct deposit payments and manage policy details through the app. Progressive's digital tools enable same-day claim decisions for straightforward incidents.
Progressive scores 4.8 out of 5 for coverage options, the highest among Oregon insurers. Beyond standard liability, collision, uninsured/underinsured motorist and medical payments, Progressive offers coverages most insurers don't:
- Pet injury: $1,000 per incident for your furry passengers
- Custom parts and equipment: Up to $5,000 for aftermarket modifications
- Rideshare: Bridges the gap for Uber and Lyft drivers
- Gap insurance: Pays the difference between your car's value and what you owe
- Rental reimbursement: $30 to $50 daily when your car's in the shop
- Roadside assistance: Just $16 annually covers towing, battery jumps and lockout services
Liability limits range from state minimums (25/50/20) to 250/500/100.

Best for Young Drivers in Oregon: Travelers

Travelers

Best for Young Drivers or Those With a Violation

MoneyGeek Rating

4.9/ 5

5/5Affordability

5/5Customer Experience

3.9/5Coverage Points

Average Monthly Full Coverage Cost
$82
Average Monthly Minimum Coverage Cost
$49
Most Unique Coverage Add-On
IntelliDrive Plus Program

pros
- Ranks second overall among Oregon car insurance providers
- Ranks first for customer experience and claims satisfaction
- Strong financial stability with AM Best A++ rating
- Best for drivers seeking premium customer service experience
cons
- Limited coverage options compared to top competitors
- Higher costs for additional coverage add-ons
- Fewer digital tools than some major insurers
Travelers earns a 4.9 out of 5 MoneyGeek score and excels for young drivers. The company charges rates 29% below what most Oregon insurers charge this age group while maintaining perfect customer service scores.

Travelers ranks first for customer experience with a 5.0 rating. The company combines affordable pricing for young drivers and those with violations with responsive claims handling.
Clean-record young drivers pay $126 monthly for Travelers full coverage, 29% below what most insurers charge this age group in Oregon. Adult drivers pay $83 to $200 monthly, depending on credit and coverage choices. State minimum coverage costs $49 monthly.

Young driver rates span $126 to $450 monthly, driven mainly by driving history and credit. Drivers with at-fault accidents pay $85 monthly, while those with speeding tickets pay $81 monthly.

Travelers offers discounts through bundling policies (typically 10% to 15% savings) and good student programs. The IntelliDrive Plus program tracks driving patterns and can reduce premiums for safe habits.
Customer experience scores 5.0 out of 5, first among Oregon insurers. The company maintains local adjusters familiar with Oregon's weather patterns and regional risks. Claims processing runs seven to 10 business days on average.

The mobile app handles claims filing, policy management and ID card access. Round-the-clock claims reporting works through the app, phone (800-842-8371) or local agents. Customers praise Travelers' response times and claim resolution speed.
Coverage options score 3.9 out of 5. Comprehensive, collision, liability, uninsured/underinsured motorist and medical payments coverage form the foundation. Policy limits run from Oregon's minimums (25/50/20) to 250/500/100. Deductibles flex from $250 to $2,000.

Coverage options for young drivers:
- IntelliDrive Plus: App tracks driving, discounts based on safe habits
- Accident forgiveness: First at-fault crash won't spike rates after qualifying period
- New car replacement: Full cost for vehicles under two years old totaled in crashes
- Rental reimbursement: Daily coverage when your car's in the shop
- Roadside assistance: 24/7 towing, battery, fuel and lockout help

Best Insurer for Low Income: Country Financial

Country Financial

Beset Cheap for Drivers With Bad Credit or Low Income

MoneyGeek Rating

4.2/ 5

4.8/5Affordability

3.3/5Customer Experience

3.9/5Coverage Points

Average Monthly Full Coverage Cost
$None
Average Monthly Minimum Coverage Cost
$None
Most Unique Coverage Add-On
Farm Equipment Protection

pros
- Mutual company structure means policyholders share in profits
- Specializes in rural and farm vehicle coverage needs
- Strong financial stability with solid AM Best ratings
- Best for drivers with agricultural or rural lifestyles
cons
- Limited digital tools compared to major Oregon competitors
- Restricted availability in many Oregon counties and cities
- Higher premiums than top-ranked affordable Oregon providers
Country Financial earns a 4.2 out of 5 MoneyGeek score with strength in affordability. The mutual company structure means policyholders share in company profits rather than paying dividends to external shareholders.

The company focuses on personalized service through local agents who help drivers with credit challenges find affordable coverage options. Country Financial's network provides face-to-face support for complex coverage decisions.
Country Financial offers competitive rates for drivers facing higher premiums due to credit issues. The mutual structure enables the company to return profits to members through dividends and lower rates.

Multi-policy bundles save up to 20% when combining auto and home insurance. Safe driver discounts reward clean records, while defensive driving courses add reductions. Good student discounts apply for B averages or higher. Vehicle safety features like anti-theft systems provide additional savings.
Customer experience scores 3.3 out of 5. Country Financial operates through local agents who provide personalized service and claims support. The mutual structure focuses agents on member needs rather than sales targets.

The mobile app handles policy management, claims filing and insurance card access. Local agents provide face-to-face support for coverage decisions and claims during weather-related incidents. Claims processing timelines vary based on incident complexity.
Coverage options score 3.9 out of 5. Core options include comprehensive, collision, liability, uninsured/underinsured motorist and medical payments. Policy limits range from state minimums (25/50/20) to higher levels based on individual needs.

Country Financial's features:
- Roadside assistance: Towing, battery service and lockout help
- Rental reimbursement: Coverage while your vehicle is repaired
- Gap coverage: Protects against loan balance shortfalls on newer vehicles
- Personal umbrella policies: Additional liability protection beyond standard limits
- Usage-based programs: Potential discounts for safe driving patterns

How to Find the Best Car Insurance in Oregon

Securing quality car insurance in Oregon takes more than grabbing the first quote online. Smart drivers balance affordability with comprehensive coverage and reliable customer service. This balance looks different for every Oregon resident based on their driving history, vehicle type and coverage needs.

1
Know Oregon's Requirements
Before comparing car insurance quotes in Oregon, know what the state requires: $25,000 bodily injury coverage per person, $50,000 per accident, $20,000 property damage coverage, $25,000/$50,000 uninsured motorist coverage and $15,000 Personal Injury Protection.

Most drivers need more than these minimums. If you own substantial assets or finance your vehicle, your lender will require comprehensive and collision coverage.

Think about what you're protecting. A 12-year-old pickup with high mileage probably doesn't need collision coverage. Skipping comprehensive on a $30,000 newer vehicle could cost you thousands in one incident.
2
Research Average Costs
Full coverage car insurance in Oregon costs $1,000 to $1,300 per year. Your actual rate depends on your age, driving history, credit score, location and vehicle.

Use this range as a baseline. Quotes over $1,800 annually for basic coverage with a clean record indicate you're probably overpaying.

Your ZIP code affects your rate; urban areas cost more. So do your vehicle's safety ratings, annual mileage and even your education level with some insurers.
3
Find Applicable Discounts
Oregon drivers can tap into several car insurance discounts. Bundling multiple policies often saves 10% to 25%. Good student discounts reward young drivers who maintain B averages. Defensive driving courses approved by the state can lower your premium.

Usage-based insurance programs track your actual driving habits. Progressive's Snapshot and State Farm's Drive Safe & Save can save safe drivers 15% to 30%. Ask about vehicle safety discounts if your car has anti-theft systems, airbags or electronic stability control.
4
Compare Companies, Not Prices
Affordable car insurance means more than finding the lowest premium. A $60 monthly policy with minimal coverage and poor claims handling isn't cheaper than a $75 policy from an insurer known for fast, fair settlements.

Read customer reviews about claims experiences. Check financial stability ratings from AM Best. Look at coverage options. Progressive leads Oregon insurers with extensive add-ons. State Farm and Travelers maintain strong customer service reputations.
5
Gather Multiple Quotes
Get car insurance quotes from at least three to five companies. Use direct insurer websites, independent agents and online comparison tools.

Independent agents often access regional insurers not available through comparison sites. Country Financial, for example, primarily sells through local agents.

Provide the same information to every insurer. Otherwise, you're comparing different products instead of finding the best price for identical coverage.
6
Review Annually
Car insurance prices change constantly. Companies update rates and underwriting standards throughout the year. Set a calendar reminder to review your coverage and get new quotes annually. Last year's best deal might not be competitive today.

Life changes impact your rates, too. Buying a home, paying off your car loan, adding a young driver or moving all affect what you pay. Many drivers overpay by keeping coverage they no longer need or by failing to switch car insurance companies.

Best Car Insurance Coverage in Oregon

State minimums often don't provide enough financial protection for real accident costs. Oregon ranks 26th nationally for traffic safety, which means crashes happen more often than you'd hope.

An emergency room visit costs about $1,389 on average nationwide. A serious trauma case at a Portland, Salem or Eugene hospital costs $35,000 to $56,200. Vehicle repairs after moderate collisions usually run over $15,000.

Minimum coverage won't cover you if you cause an accident that injures multiple people on I-5 or I-84. Lawsuits will drain your savings and garnish your wages.

Oregon's 10.3 traffic deaths per 100,000 residents equals the national average, while the state's 12.7% uninsured driver rate means roughly 500,000 drivers operate without required coverage. These factors make robust liability coverage and uninsured motorist protection valuable for Oregon drivers.

MoneyGeek recommends these coverage levels for Oregon drivers:

Liability: 100/300/100 ($100,000 per person, $300,000 per accident, $100,000 property damage) costs just $20 more monthly than state minimums and covers most Oregon drivers adequately.

Drivers with substantial assets (homeowners, business owners or high earners) should choose 250/500/100 limits. This costs $25 to $40 more monthly than minimums but covers your assets if you cause a serious accident. Oregon's traffic fatality rate matching the national average makes higher liability limits worth the cost.

Comprehensive and Collision: Add full coverage if your vehicle is worth more than $4,000 or carries a loan. Choose $500 or $1,000 deductibles based on your emergency savings—a $500 deductible costs $20 to $30 more monthly than $1,000 but lowers your out-of-pocket costs after incidents.

Comprehensive coverage matters in Oregon, where weather-related incidents damage thousands of vehicles annually, and Portland's vehicle theft rates exceed national averages. Collision coverage protects you in high-traffic areas where accident rates spike during tourist season at coastal destinations and Crater Lake National Park.

Uninsured/Underinsured Motorist: Oregon requires this coverage at 25/50/20 minimum levels, but you should match these limits to your liability coverage. With roughly 500,000 uninsured drivers on Oregon roads (12.7% of all motorists), higher protection becomes essential when at-fault drivers can't pay for your damages. Underinsured coverage fills gaps when responsible parties carry only minimum limits insufficient for your medical bills and vehicle repairs.

Medical Payments: $5,000 to $10,000 covers immediate medical expenses after accidents regardless of fault. In Oregon, this coverage pays quickly without waiting for liability determinations. You avoid out-of-pocket costs while claims work through the state's at-fault system.

Medical payments coverage costs $5 to $15 monthly for $5,000 in coverage, which is worth it given Oregon's traffic risks. unexpected medical expenses.

Additional Coverage to Consider: Rental reimbursement ($30 to $50 daily) covers transportation costs while your car is in the shop. Roadside assistance provides towing, battery service and lockout help for $15 to $25 annually.

Gap insurance matters if you owe more on your vehicle loan than the car's current value. It protects you from paying thousands out of pocket if your financed vehicle gets totaled.

Finding the Best Car Insurance Rates in Oregon

Oregon's competitive insurance market keeps car insurance rates affordable for most drivers. State minimum coverage costs just $46 monthly, ranking Oregon among the most affordable states for basic coverage.

Full coverage runs $45 more monthly than the state minimum. Average premiums hit $91 monthly for full coverage with a $1,000 deductible, 10% below the national average.

Compare your quotes with these averages using the table or our Oregon car insurance calculator.

Data filtered by:


Clean	$46	$91	1
Not At Fault Accident ($1000-$1999 Prop Dmg)	$48	$95	2
Speeding 11-15 MPH over limit	$53	$114	4
Texting While Driving	$55	$117	3
At Fault Accident ($1000-$1999 Prop Dmg)	$60	$129	7
DUI - BAC >= .08	$68	$141	10

HOW VIOLATIONS AFFECT YOUR RATES IN OREGON

DUI violations devastate Oregon car insurance rates the most, jumping premiums 55% and often requiring costly SR-22 certificates. At-fault accidents spike rates 42%, adding roughly $38 monthly to full coverage. Texting while driving increases premiums 29%, tacking on an extra $27 each month.

Best Oregon Auto Insurance: Bottom Line

Progressive ranks first for most Oregon drivers with a 4.9 overall score, balancing competitive rates ($81 monthly full coverage), customer service and coverage options. Your priorities determine the best choice: Travelers excels for young drivers with rates 29% below average while maintaining a perfect 5.0 customer experience score, and Country Financial focuses on personalized service through local agents.

Compare quotes from at least three insurers. Your age, driving record and coverage needs determine which company offers the best value, as rates vary widely by driver profile.

Best Auto Insurance in Oregon: FAQ

Finding suitable car insurance depends on your unique circumstances. Common questions and their answers guide you toward appropriate coverage.

What do I need to get car insurance in Oregon as a new resident?

New Oregon residents need a valid driver's license, vehicle registration and VIN for each vehicle. Most insurers require your Social Security number to check your credit score, which affects your rate.

You must get coverage within 30 days of establishing residency. You'll also need to provide your five-year driving history, including any accidents and violations.

Transferring from another state? Update your existing policy to meet Oregon's minimum requirements, which include mandatory uninsured motorist coverage and Personal Injury Protection.

Can I drive in Oregon with out-of-state insurance?

Driving without insurance results in immediate license suspension for one year. First-time offenders face up to $75 in license restoration fees plus civil penalties ranging from $130 to $1,000. Subsequent offenses within three years increase penalties substantially. You'll need SR-22 certification for three years, substantially increasing insurance costs. If you cause an accident while uninsured, you're personally liable for all damages and medical expenses with no insurance protection.

What happens if I get caught driving without insurance in Oregon?

Getting caught driving without insurance in Oregon triggers immediate license suspension for one year. First-time offenders face up to $75 in license restoration fees plus civil penalties ranging from $130 to $1,000. Repeat offenses within three years carry exponentially higher penalties. You'll need SR-22 certification for three years minimum, which significantly increases your insurance costs as insurers consider you high-risk. If you cause an accident while uninsured, you're personally liable for all damages and medical expenses. Driving without insurance creates serious financial consequences beyond the initial penalties.

How do I switch car insurance companies in Oregon?

Purchase your new policy before canceling coverage to avoid gaps that trigger license suspension. Start your new policy the same day or the day after your old policy ends. Request cancellation in writing from your current insurer with your policy number and cancellation date. Most Oregon insurers don't charge cancellation fees for policies over six months old. You'll receive prorated refunds for any unused coverage paid in advance.

Does Oregon offer car insurance discounts for military members?

Most Oregon insurers offer military discounts ranging from 4% to 15% for active-duty members, veterans and military spouses. USAA, GEICO, Armed Forces Insurance and Navy Federal specialize in military coverage. Ask about storage discounts during deployment, emergency payment extensions, military defensive driving course discounts and waived deductibles for vehicles damaged during deployment.

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%): We looked at quotes for different driver profiles and compared rates within Oregon. Our main rating is based on a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also checked other combinations to ensure you find the right fit.
Customer experience (30%): 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%): 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. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.

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