Best Car Insurance in Oregon for 2026

Progressive's full coverage rate in Oregon is $81/month, 28% below the Oregon state average of $112/month. Minimum coverage costs $46/month, compared to the state average of $56/month. For young drivers, Progressive costs $212/month for full coverage, the fourth-cheapest among the top five and $46 above Travelers' $166/month. 

For drivers with a DUII and other violations, Progressive charges $97/month, the second-cheapest of the five and $4 above State Farm. Progressive's price advantage is most pronounced for adult drivers with no tickets or accidents.

Progressive scores 607 in J.D. Power's 2025 U.S. Auto Insurance Study for the Northwest region, 22 points below the 629 study average and second-lowest among Oregon's top five. State Farm leads the group at 648. Oregon requires personal injury protection and uninsured motorist coverage on every policy, which means most drivers will submit a claim at some point. 

The 41-point gap between Progressive (607) and State Farm (648) reflects real customer surveys where State Farm customers reported smoother claims, faster responses and fewer disputes. Progressive ranks second for customer experience in MoneyGeek's scoring, which also weighs complaint data filed with state insurance regulators and financial strength ratings, both of which outpace what the J.D. Power score alone shows.

Two add-ons set Progressive apart from the other top-five carriers in Oregon: gap insurance and custom parts coverage, offered together by no other provider in the group. The full lineup also includes accident forgiveness, rideshare coverage (protection while driving for Uber or Lyft) and Snapshot, a program that tracks your driving and can lower your rate if you drive safely or infrequently.

Coverage options rank second among Oregon's top five, so Progressive offers more extra coverage types than most top-five carriers beyond the minimum Oregon requires. The custom parts and equipment coverage pays to repair or replace upgrades you added to your car, like a custom stereo, upgraded wheels or performance parts, that a standard policy wouldn't cover. Snapshot lowers your monthly rate based on actual mileage, so it's the right add-on if you drive fewer miles per year.

Travelers' full coverage rate in Oregon is $83/month, 26% below the Oregon state average of $112/month. Minimum coverage costs $50/month. Travelers' clearest price advantage is for young drivers: at $166/month for full coverage, Travelers is the cheapest of the top five for that age group, $22/month below State Farm and $46/month below Progressive. 

For DUII drivers, Travelers charges $117/month, the third-cheapest among the five. Travelers is the best price option for Oregon policies that include a young driver. For drivers who want only the minimum coverage Oregon requires, State Farm and GEICO are both cheaper.

In MoneyGeek's scoring, Travelers earns the top customer experience position among Oregon's top five, drawing on complaint data filed with state insurance regulators, financial strength ratings and customer reviews from multiple platforms. Travelers' J.D. Power 2025 Northwest score is 581, the lowest among the top five and 48 points below the 629 study average. J.D. Power measures claims handling, billing and how easy it is to reach someone, which are the areas where a low score is most likely to hurt you after an accident. 

Travelers' placement in MoneyGeek's overall score comes from its low complaint volume and AM Best financial rating, both of which show better results than its J.D. Power score alone. Oregon's required PIP and uninsured motorist coverage mean most drivers will submit a claim at some point. The 67-point gap between Travelers' J.D. Power score (581) and State Farm's (648) is the number that tells you which carrier actually performs better when it counts.

Travelers offers accident forgiveness, rental reimbursement (pays for a rental car while yours is being repaired), roadside assistance and rideshare coverage in Oregon. Coverage options place fourth among the top five, and what that position shows is what's missing: gap insurance and custom parts coverage aren't available. 

For most drivers that's not a problem, but if you're making loan payments on your car and want coverage for the difference between what you still owe and what the car is worth, or if you've added upgrades, Progressive is the better option. For most Oregon drivers without a car loan or aftermarket modifications, Travelers' lineup covers everything the state requires plus the add-ons that matter most.

At $88/month for full coverage, State Farm comes in 21% below the Oregon state average of $112/month. Minimum coverage is $38/month, the cheapest among the top five and 32% below the state minimum coverage average of $56/month. For young drivers, State Farm charges $188/month for full coverage, the second-cheapest of the five and $22/month above Travelers. 

For DUII drivers, State Farm's $93/month is the lowest in the group, with Progressive the only close competitor at $97/month. Oregon drivers with a DUII conviction who need to file an SR-22 will find State Farm the most cost-effective option among the top five. For drivers with no violations, Progressive and Travelers are both cheaper.

State Farm scores 648 in J.D. Power's 2025 U.S. Auto Insurance Study for the Northwest region, the highest among Oregon's top five and 19 points above the 629 study average. Oregon requires PIP and UM/UIM on every policy, so most drivers will deal with their insurer on a claim at some point. State Farm's score reflects solid performance on policy options, billing and how customers rate their interactions. 

Those are the areas where the 67-point gap between State Farm (648) and the lowest-rated carrier, Travelers (581), is most likely to affect your experience.

Roadside assistance, rental reimbursement, rideshare coverage and Drive Safe and Save make up State Farm's add-on lineup in Oregon. Drive Safe and Save tracks your driving and may lower your rate if you drive safely or infrequently. Coverage options rank sixth in the state, meaning State Farm offers fewer extra coverage types than Progressive and Travelers. Gap insurance isn't available as a standard State Farm add-on in most markets. 

If you're making loan payments on your car and the car is destroyed in a crash, gap insurance covers the difference between what you still owe the lender and what the wrecked car was worth. Without it, you pay that difference yourself, on top of needing to buy another car. Progressive and Nationwide both offer gap insurance in Oregon. For drivers with a DUII conviction, State Farm files SR-22 certificates with the Oregon DMV, a practical advantage for drivers who need coverage and proof of insurance at the same time.

At $42/month, GEICO's minimum coverage rate is the second-cheapest among the five, and full coverage for drivers with no violations comes in at $89/month, 21% below the Oregon state average of $112/month. For young drivers, GEICO charges $199/month, the third-cheapest in the group, between Travelers ($166) and Progressive ($212). 

For DUII drivers, GEICO's rate goes up to $190/month, more than double its rate for drivers with no violations and the second-highest among the top five. Oregon drivers with violations on their record will find GEICO more expensive than other options; drivers with no violations who only want the minimum required coverage will find GEICO among the most affordable choices.

In J.D. Power's 2025 U.S. Auto Insurance Study for the Northwest region, GEICO scores 631, two points above the 629 study average. That puts GEICO in the middle of the top-five group on J.D. Power, above Progressive (607) and Travelers (581) but behind State Farm (648). Oregon's mandatory PIP and uninsured motorist coverage mean most drivers will interact with their insurer on a claim at some point.

GEICO ranks fourth for customer experience in MoneyGeek's scoring, which draws on complaint data and AM Best ratings, though GEICO still places below State Farm and Travelers in MoneyGeek's overall customer experience score.

GEICO offers roadside assistance, rental reimbursement, rideshare coverage and mechanical breakdown insurance in Oregon. Mechanical breakdown insurance pays for repairs when a part of your car wears out or fails on its own, not from an accident. Coverage options rank sixth, tied with State Farm, meaning GEICO offers fewer extra coverage types than Progressive and Travelers. Gap insurance isn't available as a standalone GEICO add-on in most markets. For financed vehicles, that's worth noting before you decide.

Progressive and Nationwide both offer gap insurance in Oregon. If your car is totaled while you owe more than it's worth, gap insurance covers that difference. The one add-on that sets GEICO apart from the other four carriers is mechanical breakdown insurance: it covers repair costs from mechanical failures, like a blown transmission or failed engine, rather than accident damage. 

For a car no longer covered by the factory warranty (up to five years), mechanical breakdown insurance is usually cheaper than an extended warranty from the dealer and worth pricing out before you pass on it.

Nationwide's full coverage rate in Oregon is $111/month, 1% below the Oregon state average of $112/month and $30/month above Progressive's $81/month. Minimum coverage costs $73/month, the most expensive among the top five and $17/month above the state minimum coverage average of $56/month. For young drivers, Nationwide charges $282/month for full coverage, the highest among the top five and $116/month above Travelers' $166/month. 

For DUII drivers, Nationwide's $216/month is the highest of the five. Nationwide has the highest prices across every driver type in Oregon, and its seventh-place affordability rank statewide reflects that.

In J.D. Power's 2025 U.S. Auto Insurance Study for the Northwest region, Nationwide scores 625, four points below the 629 study average. Among the top five, it places third behind State Farm (648) and GEICO (631), ahead of Progressive (607) and Travelers (581). Nationwide holds an A+ financial strength rating from AM Best, the second-highest grade, meaning it has enough money set aside to pay claims even if many policyholders file at once. 

In Oregon, where PIP and uninsured motorist coverage are required on every policy, most drivers will submit at least one claim, so a carrier's financial reserves matter more than they would in a state where those coverages are optional. Nationwide ranks fifth for customer experience in MoneyGeek's scoring, which also draws on complaint data filed with state insurance regulators, where Nationwide's numbers are consistent.

Five add-ons are available through Nationwide in Oregon: accident forgiveness, gap insurance, rideshare coverage, a vanishing deductible and rental reimbursement. Coverage options rank fourth, tied with Travelers, and the lineup includes gap insurance, which neither Progressive nor State Farm offers as a standard add-on in most markets. 

For drivers who go multiple years without a claim, the vanishing deductible delivers a real dollar difference when they eventually do need to file: $100 less out of pocket for every clean year. Oregon's mandatory $15,000 PIP and 25/50 UM/UIM are standard on every Nationwide policy as required by state law.