Progressive and Travelers both earn a 4.9/5 MoneyGeek score in Oregon. Progressive leads on coverage breadth (nine add-ons) and affordability (5/5). Travelers leads on customer experience (5/5 customer experience). COUNTRY Financial offers the cheapest car insurance in Oregon for drivers with bad credit and low income, but doesn't appear in the ranked top five. State Farm offers the lowest minimum coverage rate in Oregon at $39 per month but ranks outside the top five due to lower composite scores across customer experience and coverage options.
Best Car Insurance in Oregon for 2026
Updated: April 25, 2026
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Key Takeaways
Progressive and Travelers are tied for first in Oregon's ranking. Both earn a 4.9/5 MoneyGeek score, with Progressive leading in coverage breadth (nine add-ons) and Travelers leading in customer experience (5/5).
Oregon requires personal injury protection (PIP) for all drivers, even though it's an at-fault state, a combination found in very few states. This means your own medical costs are covered regardless of who caused the accident.
Gresham averages $117 per month and Portland averages $87 per month, both above Oregon's statewide average of $72 per month. Medford averages $53 per month, the lowest among Oregon's 10 most populous cities. Hillsboro ($99 per month) also runs above the state average.
HOW I DECIDED ON THE BEST CAR INSURANCE IN OREGON
Mark Fitzpatrick, Licensed Insurance Producer
I analyzed quotes from six Oregon insurers across every ZIP code in the state: Progressive, Travelers, COUNTRY Financial, State Farm, GEICO and Allstate. Oregon's unusual at-fault plus mandatory PIP combination, along with UM and UIM requirements, creates a unique coverage market. The tie between Progressive and Travelers reflects how closely matched these insurers are on value. Credit scoring is allowed in Oregon.
- Affordability is weighted at 60%
- Customer experience accounts for 30%
- Coverage options make up the remaining 10%
Note: State Farm offers the lowest minimum coverage rate in Oregon at $39 per month, but doesn't rank in the top five overall due to lower scores in customer experience and coverage options, which are factored into the composite MoneyGeek score.
Best Car Insurance Companies in Oregon
| Progressive | 4.89 | $64 | 2 | 2 |
| Travelers | 4.86 | $66 | 1 | 4 |
| State Farm | 4.68 | $65 | 3 | 6 |
| Geico | 4.6 | $67 | 4 | 6 |
| Nationwide | 4.19 | $94 | 5 | 4 |
Best Overall and Best for Senior Drivers
Progressive
Progressive earns the top score in my Oregon analysis on a combination of competitive rates, a nine-add-on coverage menu and the second-highest customer experience score among the Oregon insurers I reviewed. At $46 per month minimum for a clean-record adult, it’s the cheapest of the featured winners and wins best score for senior drivers ($57 per month), DUI-affected drivers ($53 per month) and new-car drivers ($48 per month). That rate competitiveness combined with coverage depth — including gap insurance, accident forgiveness, rideshare coverage and a diminishing deductible — gives it the most complete value proposition in Oregon’s market.
On customer experience, Progressive ranks second among the Oregon insurers I analyzed, behind Travelers, which holds a perfect score. Progressive’s agent network draws solid reviews and its claims satisfaction performance is above average in Oregon. One pattern I noted in my research across multiple states: Progressive draws occasional consumer criticism for rate changes between renewal periods. For Oregon drivers who finance newer vehicles and want coverage depth alongside a competitive base rate, Progressive is the strongest all-around option in the state.
- Affordability (60%): 5/5
- Customer Experience (30%): 4.7/5
- Coverage Options (10% of score): 4.8/5
Don’t pick Progressive if you want the top customer experience score in Oregon. Travelers holds a perfect score and ranks first in the state for service quality, at $49 per month minimum, $3 more than Progressive for a clean record adult. For violation-affected drivers or young drivers, Travelers’ best-score designations make it a stronger recommendation.
Best for Young Drivers and Those With a Violation
Travelers
Travelers earns a perfect customer experience score in my Oregon analysis, the highest of any insurer I reviewed in the state, and wins best score for young drivers ($85 per month minimum), speeding ticket holders ($58 per month), accident-affected drivers ($61 per month), bad-credit drivers ($98 per month) and low-income drivers ($63 per month). Travelers ranked #1 on Insure.com’s satisfaction study and earns strong agent reviews for claims responsiveness.
At $49 per month minimum for a clean-record adult, Travelers is only $3 more per month than Progressive. Its six add-on menu includes gap insurance, accident forgiveness and new car replacement, three fewer add-ons than Progressive’s nine, but the right set for Oregon drivers financing newer vehicles. Oregon’s weather-related comprehensive claims, including flooding in the Willamette Valley and ice events in the Cascades, make responsiveness in claims handling a practical rather than theoretical consideration.
- Affordability (60%): 5.0/5
- Customer Experience (30%): 5.0/5
- Coverage Options (10%): 3.9/5
Don’t pick Travelers if you need a diminishing deductible, rideshare coverage or pet coverage. Progressive’s nine add-on options include all three; Travelers’ six add-on menu doesn't. For Oregon drivers who need those specific coverages, Progressive’s $46 per month minimum is also $3 cheaper.
Best Cheap for Drivers With Bad Credit or Low Income
Country Financial
COUNTRY Financial offers the lowest bad credit and low income rates in my Oregon analysis: $75 per month minimum for bad credit and $54 per month for low income. It also offers the lowest rates for old-car drivers ($36 per month) and young drivers ($63 per month). For Oregon drivers in those profiles whose primary concern is the monthly rate, COUNTRY Financial’s pricing is the most competitive I found in the state for all four.
I have to be direct about what my research found on COUNTRY Financial’s service quality: it draws some of the most negative consumer sentiment of any insurer I analyzed in this series. Reddit reviewers report unexpected rate increases and difficult claim experiences, and its overall consumer platform scores reflect very negative feedback. Its six add-on menu includes new-car replacement and auto glass coverage, which is broader than some rate-only options, but the service trade-off is real and substantial. For Oregon drivers who have exhausted other options and need the lowest possible rate, COUNTRY Financial delivers that on paper. For any driver with flexibility, Travelers’ $98-per-month bad-credit rate is $23 more than the $75-per-month rate but comes with a perfect customer experience score.
- Affordability (60%): N/A
- Customer Experience (30%): N/A
- Coverage Options (10%): 3.3/5
Don’t pick COUNTRY Financial if there is any flexibility in your budget. Travelers’ bad-credit rate of $98 per month is $23 more but comes with a perfect customer experience score and a claims operation that consistently performs well. The gap between COUNTRY Financial’s rate and its service quality is the widest I found in Oregon.
WHAT IS MY VERDICT?
For most Oregon drivers, the choice between Progressive and Travelers is genuinely close. Both score 4.9/5 overall, and the deciding factor is what you value more: Progressive's nine add-ons and slightly lower $46-per-month baseline, or Travelers' 5/5 customer experience score and stronger service support.
Travelers is the better choice for drivers who expect to file claims. The 5/5 customer experience score is the strongest in the state, and Oregon's mandatory PIP and UM/UIM requirements mean claims are more structured here than in most states. COUNTRY Financial is worth checking for those with bad credit and low incomes. At $75 per month for bad credit and $54 per month for low income, these are the cheapest rates I found in Oregon for those profiles.
Best Car Insurance in Oregon by Driver Profile
My Oregon profile analysis shows Progressive and Travelers splitting wins across driver categories. Progressive earns the top spot for clean-record adults, seniors, drivers with a DUI and newer vehicles. Travelers earns the top spot for young drivers, drivers with a speeding ticket, drivers after an at-fault accident, and drivers with bad credit or low income. Oregon's mandatory PIP requirement, combined with required UM/UIM coverage and credit-based pricing, shapes which insurer offers the best composite MoneyGeek score for each profile. Rates shown reflect the best-scoring insurer for each profile; the cheapest rate for a given profile may come from a different provider.
Driver Profile | Best Provider (by MoneyGeek Score) | Average Monthly Minimum Coverage | Average Monthly Full Coverage |
|---|---|---|---|
Adult drivers (26 to 64), clean record | Progressive | $46 | $81 |
Young drivers (16 to 25) | Travelers | $85 | $166 |
Senior drivers (65+) | Progressive | $57 | $99 |
After an at-fault accident | Travelers | $61 | $108 |
After a speeding ticket | Travelers | $58 | $104 |
After a DUI | Progressive | $53 | $98 |
Bad credit | Travelers | $98 | $189 |
Low income | Travelers | $63 | $123 |
Oregon requires PIP even though it operates as an at-fault state. This requirement adds to baseline coverage costs but ensures that a driver's own medical expenses are covered regardless of fault in any accident.
Best Car Insurance in Oregon by City
Progressive leads the MoneyGeek score in eight of Oregon's 10 most populous cities. Travelers leads in Portland and Gresham, where the Portland metro's population density and claims frequency push rates above the rest of the state. Gresham averages $117 per month and Portland averages $87 per month, compared to Medford at $53 per month, showing a gap between metro and non-metro markets. Oregon's statewide average minimum coverage rate is approximately $72 per month, making Gresham ($117 per month) and Hillsboro ($99 per month) above the state average.
City | Best Provider | MoneyGeek Score (/5) | Average Monthly Premium |
|---|---|---|---|
Beaverton | Progressive | 4.80 | $78 |
Bend | Progressive | 4.90 | $56 |
Corvallis | Progressive | 4.90 | $54 |
Progressive | 4.80 | $63 | |
Gresham | Travelers | 4.80 | $117 |
Progressive | 4.80 | $99 | |
Medford | Progressive | 4.90 | $53 |
Travelers | 4.80 | $87 | |
Progressive | 4.90 | $78 | |
Springfield | Progressive | 4.90 | $56 |
Rates vary by ZIP code within the Portland metro. Neighborhood-level differences in claims frequency and vehicle theft can shift premiums meaningfully even within the same city.
How to Find the Best Car Insurance in Oregon
Oregon's mandatory coverage stack (25/50/20 liability plus PIP plus UM/UIM) means minimum coverage in Oregon is more substantive than in most at-fault states. This requirement is part of why Oregon rates run above the national average, even though Oregon does not operate as a traditional no-fault state.
- 1Understand Oregon's unusual coverage requirements
Oregon requires 25/50/20 liability coverage plus Personal Injury Protection (PIP). Oregon is technically an at-fault state, but it mandates PIP coverage for all drivers with no opt-out, a combination found in very few states. Oregon also requires UM and UIM coverage. This stack of required coverages is more comprehensive than most at-fault states.
- 2Choose between Progressive and Travelers
The 4.9/5 tie between Progressive and Travelers means your choice comes down to priorities: Progressive for nine add-ons and a $46 monthly baseline, or Travelers for a 5/5 customer experience score and stronger support for drivers affected by violations. Both are strong all-around options.
- 3Credit affects your rate
Oregon allows credit scoring. COUNTRY Financial's $75 per month bad credit minimum is the cheapest available for that profile. Travelers earns the best composite score for bad credit drivers at $98 per month. Credit improvement over time captures real savings.
- 4Portland metro drivers should compare quotes carefully
Gresham ($117 per month) and Hillsboro ($99 per month) run well above Oregon's statewide average of approximately $72 per month. If you live in the Portland metro, the rate gap between insurers may be wider than in lower-density Oregon cities.
- 5After a DUI, SR-22 filing is required
Drivers convicted of a DUI need SR-22 insurance in Oregon. Progressive earns the best MoneyGeek score for DUI drivers at $53 per month for minimum coverage. State Farm offers the lowest DUI rate at $41 per month, but doesn't rank as the best-scoring insurer for this profile.
Frequently Asked Questions
What is the cheapest car insurance in Oregon?
State Farm has the cheapest minimum coverage in Oregon at $39 per month for a clean-record adult driver, based on MoneyGeek's analysis. State Farm doesn't rank in the top five overall because it scores lower on customer experience and coverage options. Progressive ($46 per month) and Travelers ($49 per month) are the cheapest among the top-scored insurers. For bad credit drivers, COUNTRY Financial is cheapest at $75 per month.
How much is car insurance in Oregon on average?
Oregon's statewide average minimum coverage rate is $72 per month, above the national average for an at-fault state. The mandatory PIP, UM and UIM requirements explain the gap. Oregon's minimum stack is more comprehensive than most at-fault states require.
Is Oregon a no-fault state?
No. Oregon is an at-fault state, meaning the driver who causes an accident is financially responsible for the other party's costs. Oregon still requires personal injury protection (PIP) for all drivers with no opt-out; your own medical expenses are covered regardless of fault.
What car insurance is required in Oregon?
Oregon requires 25/50/20 liability coverage: $25,000 per person for bodily injury, $50,000 per accident and $20,000 for property damage. Oregon also requires personal injury protection (PIP) with no opt-out option, plus uninsured motorist (UM) and underinsured motorist (UIM) coverage. Oregon is an at-fault state but mandates PIP, one of the very few states with that combination.
Does Oregon allow insurers to use credit scores?
Yes. Oregon permits auto insurers to use credit scores in rate-setting. COUNTRY Financial's $75 per month minimum is the cheapest available for bad credit drivers. Travelers earns the best composite MoneyGeek score for bad credit drivers at $98 per month.
Which Oregon insurer has the best customer service?
Travelers ranks first in Oregon for customer experience, with a 5/5 score. Progressive ranks second at 4.7/5. Travelers is the better pick for drivers who expect to file claims, given Oregon's mandatory PIP process.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!