Progressive leads Oregon with the lowest rates, offering minimum coverage for $46 monthly and full coverage for $82 monthly. Choosing Progressive saves you $24 each month, or 28% compared to state averages. Get quotes from other affordable providers like State Farm, Travelers, GEICO and Mutual of Enumclaw.
Cheapest Car Insurance in Oregon
Updated: October 27, 2025
Advertising & Editorial Disclosure
Key Takeaways
The cheapest car insurance companies in Oregon for most drivers are Progressive, State Farm and Travelers, offering average savings of up to 28%.
Car insurance costs can be as low as $36 monthly for minimum coverage and $61 for full coverage policies on average in Oregon.
To get the cheapest car insurance in Oregon, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in Oregon?
| Progressive | $46 | $82 | -28% |
| State Farm | $39 | $90 | -27% |
| Travelers | $49 | $82 | -26% |
| Geico | $43 | $91 | -24% |
| Mutual of Enumclaw | $58 | $119 | 0% |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN OREGON
We've created additional guides below to help you in your search for the best and cheapest car insurance in Oregon:
Best Car Insurance Rates by Category in Oregon
State Farm and Country Financial each offer the lowest rates in four of our 10 driver categories, with State Farm excelling for adult drivers and those with violations, while Country Financial leads for young drivers and those with credit challenges. Find your specific rates in the table:
| Young Drivers | Country Financial | $63 |
| Adult Drivers | State Farm | $38 |
| Senior Drivers | Geico | $47 |
| Drivers With An Accident | State Farm | $49 |
| Drivers With A DUI | State Farm | $41 |
| Drivers With A Speeding Ticket | State Farm | $41 |
| Drivers With Bad Credit | Country Financial | $75 |
| Drivers With Low Income | Country Financial | $54 |
| Drivers With Newer Cars | Progressive | $48 |
| Drivers With Old Cars | Country Financial | $36 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Compare the Cheapest Car Insurance in Oregon for You
The tables above show overall winners, but your cheapest option depends on your specific situation. For example, Country Financial offers the lowest rates at $84 monthly for drivers with poor credit and an accident record who want 100/300/100 full coverage. Filter the table to match your exact situation:
Data filtered by:
Adult Drivers
100/300/100 Full Cov. w/$1,000 Ded.
Male
Good
At Fault Accident ($1000-$1999 Prop Dmg)
| Progressive | $114 | $1,363 | -32% |
| Travelers | $109 | $1,311 | -35% |
| State Farm | $107 | $1,280 | -36% |
| Country Financial | $123 | $1,474 | -27% |
| Geico | $148 | $1,781 | -11% |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Oregon by City
Where you live in Oregon affects your car insurance costs based on local crime, accidents and traffic density. State Farm charges as little as $28 in Hines but GEICO charges $75 in Gresham. Here are the cheapest providers for every Oregon city.
Data filtered by:
Adams
| Adams | State Farm | $31 | -25% |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in Oregon By Driver Age Group
We analyzed car insurance rates across Oregon for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+).
Here are the most affordable insurance providers by age group:
- Young Drivers: Country Financial offers rates from $63/month
- Adult Drivers: State Farm provides coverage starting at $38/month
- Senior Drivers: GEICO begins at $47/month
Cheapest Car Insurance For Young Drivers in Oregon
Country Financial is the most affordable choice for young drivers in Oregon, offering minimum coverage at $63 per month, a 49% savings compared to the state average. It also offers the lowest full coverage rates, averaging $130 per month, or 48% below the state average.
Data filtered by:
100/300/100 Full Cov. w/$1,000 Ded.
Male
Good
At Fault Accident ($1000-$1999 Prop Dmg)
| Travelers | $219 | $2,624 | -41% |
| Progressive | $296 | $3,551 | -21% |
| Country Financial | $169 | $2,030 | -55% |
| State Farm | $227 | $2,725 | -39% |
| Geico | $331 | $3,978 | -11% |
Cheapest Car Insurance For Adult Drivers in Oregon
Progressive offers Oregon's most affordable car insurance, with rates starting at $46 monthly for minimum liability coverage. Drivers who want fuller protection can get a comprehensive policy with collision coverage for $81 per month.
Data filtered by:
100/300/100 Full Cov. w/$1,000 Ded.
Male
Good
At Fault Accident ($1000-$1999 Prop Dmg)
| Progressive | $114 | $1,363 | -32% |
| Travelers | $109 | $1,311 | -35% |
| State Farm | $107 | $1,280 | -36% |
| Country Financial | $123 | $1,474 | -27% |
| Geico | $148 | $1,781 | -11% |
Cheapest Car Insurance For Senior Drivers in Oregon
GEICO provides Oregon's most affordable car insurance for seniors, with annual rates of $1,123 for full coverage and $562 for minimum coverage.
Data filtered by:
100/300/100 Full Cov. w/$1,000 Ded.
Male
Good
At Fault Accident ($1000-$1999 Prop Dmg)
| Progressive | $138 | $1,657 | -31% |
| Travelers | $138 | $1,657 | -31% |
| State Farm | $127 | $1,518 | -37% |
| Country Financial | $126 | $1,508 | -37% |
| Geico | $155 | $1,855 | -23% |
Cheapest Car Insurance For High-Risk Drivers in Oregon
We studied four core areas for profiles insurers consider particularly high-risk in Oregon including those with bad credit, DUIs, accidents and speeding tickets. Here are the providers that offer the best rates for each group:
- Cheapest for Bad Credit: Country Financial (From $150/mo)
- Cheapest With a DUI: State Farm (From $96/mo)
- Cheapest With an Accident: State Farm (From $109/mo)
- Cheapest With a Speeding Ticket: State Farm (From $96/mo)
Cheapest Car Insurance For Bad Credit in Oregon
Country Financial offers Oregon's most affordable car insurance for drivers with poor credit. Annual rates start at $686 for minimum liability coverage, while full coverage policies cost $1,434 per year.
Data filtered by:
Adult Drivers
100/300/100 Full Cov. w/$1,000 Ded.
Male
At Fault Accident ($1000-$1999 Prop Dmg)
| Travelers | $251 | $3,013 | -31% |
| Country Financial | $155 | $1,863 | -57% |
| Nationwide | $330 | $3,955 | -9% |
| Dairyland | $333 | $4,001 | -8% |
| Mutual of Enumclaw | $237 | $2,839 | -35% |
Cheapest Car Insurance With a DUI in Oregon
State Farm offers the lowest rates for Oregon drivers with a DUI, with annual premiums starting at $487. Progressive provides the second most affordable option at $638 per year, making these two insurers the most cost-effective choices for drivers with a DUI conviction.
Data filtered by:
Adult Drivers
100/300/100 Full Cov. w/$1,000 Ded.
Male
Good
| Progressive | $97 | $1,165 | -52% |
| Travelers | $117 | $1,405 | -42% |
| Farmers | $181 | $2,172 | -10% |
| State Farm | $93 | $1,121 | -54% |
| Country Financial | $129 | $1,546 | -36% |
Cheapest Car Insurance With an Accident in Oregon
State Farm provides the most affordable car insurance for Oregon drivers with an accident on their record. The company's minimum liability coverage costs $48 per month or $576 per year, making it 50% cheaper than the state's average.
Data filtered by:
Adult Drivers
100/300/100 Full Cov. w/$1,000 Ded.
Male
Good
| Progressive | $114 | $1,363 | -32% |
| Travelers | $109 | $1,311 | -35% |
| State Farm | $107 | $1,280 | -36% |
| Country Financial | $123 | $1,474 | -27% |
| Geico | $148 | $1,781 | -11% |
Cheapest Car Insurance With a Speeding Ticket
State Farm is the most budget-friendly option for Oregon drivers with speeding tickets. The company offers minimum coverage at $487 per year and full coverage at $1,121 annually, making it more affordable than other insurers in Oregon.
Data filtered by:
Adult Drivers
100/300/100 Full Cov. w/$1,000 Ded.
Male
Good
| Progressive | $107 | $1,283 | -27% |
| Travelers | $105 | $1,257 | -29% |
| State Farm | $93 | $1,121 | -36% |
| Geico | $122 | $1,466 | -17% |
| Country Financial | $117 | $1,410 | -20% |
How to Get the Cheapest Car Insurance in Oregon
Finding the most affordable insurance company is just one part of getting the best rates on car coverage in Oregon. Here are proven ways to save the most on auto insurance.
- 1Compare Multiple Insurance Providers
Get quotes from multiple companies through different channels: directly from insurers, independent agents and comparison sites. Your rates can vary widely depending on how you get quotes, so try all these options.
- 2Determine Your Coverage Needs
Figure out what coverage you need before you shop. This helps you avoid paying for extras you don't need while getting enough financial protection.
- 3Consider Lower Coverage Amounts
If you're trying to cut costs, you can lower your coverage levels and raise your deductibles. Check your finances, how much you drive and what your car's worth to make sure this makes sense.
- 4Research Costs and Discounts
Look up average costs for drivers like you so you know what's normal. Check what discounts you qualify for and see if bundling home and auto insurance saves you money.
- 5Explore Alternative Insurance Options
If you don't drive much, check out pay-per-mile insurance or telematics programs that track your driving. These options can save you money compared to regular policies.
- 6Improve Your Risk Profile
Improve your credit score and keep a clean driving record. Better credit and safe driving usually mean lower rates over time.
- 7Choose a Cost-Effective Vehicle
If you're buying a car, pick one that's cheaper to insure. Older, reliable cars cost less for insurance and repairs than newer or luxury models.
Risks of Getting the Cheapest Car Insurance in Oregon
Oregon requires drivers to carry liability insurance with minimum coverage of 25/50/20. This means you need $25,000 for injuries to one person, $50,000 total for injuries in one accident and $20,000 for property damage coverage. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In Oregon, average property damage claims hit $4,711 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
Oregon drivers deal with unique weather-related risks, from coastal storms to mountain snow. Weather-related incidents cause vehicle damage annually, according to the National Centers for Environmental Information. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against storms, flooding and falling trees.
Bodily injury damage is more likely to be higher than the minimum limits
Oregon's minimum bodily injury coverage of $25,000 per person often falls short of actual medical costs. Average bodily injury claims reached $20,235 nationwide in 2023, according to the Insurance Information Institute. Rising medical costs increase your risk of out-of-pocket expenses. Consider increasing coverage to 50/100/50 limits for better protection.
Not having uninsured motorist coverage opens you up to unexpected costs
Oregon has an uninsured driver problem, with 10.7% of drivers lacking insurance according to the Insurance Information Institute. If an uninsured driver hits you, you'll pay steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Adding uninsured motorist coverage provides financial protection in these common scenarios.
Vehicle theft damage is more likely and uncovered
Car theft is a real problem in Oregon. Vehicle thefts increased nationwide in 2023, according to the National Insurance Crime Bureau. Portland alone saw over 9,200 car thefts in 2023. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. Average stolen car claims top $9,000, so comprehensive coverage is worth it in high-risk areas.
Cheap Car Insurance in Oregon: Bottom Line
Progressive offers the lowest car insurance rates in Oregon for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Cheap Car Insurance in Oregon: FAQ
Below, our insurance experts answer common questions about finding affordable car insurance in Oregon.
What are the cheapest car insurance companies in Oregon?
Progressive provides the most affordable car insurance in Oregon, with average annual rates of $552 for minimum coverage and $984 for full coverage. State Farm, Travelers, GEICO and Mutual of Enumclaw also offer competitive rates.
Who has the cheapest car insurance rates for young drivers in Oregon?
Country Financial provides the most budget-friendly rates for young drivers in Oregon, with monthly premiums starting at $63.
Who offers the cheapest car insurance rates for seniors in Oregon?
Senior drivers in Oregon can find the most competitive rates with GEICO, which offers policies for those 65 and older at an average of $47 per month.
Who has the cheapest car insurance in Oregon for bad credit?
Country Financial provides the lowest rates for bad-credit drivers in Oregon, with monthly premiums averaging $75 for minimum coverage.
Who has the cheapest car insurance in Oregon with an accident?
State Farm offers the most affordable car insurance rates for Oregon drivers with an accident history, starting at $49 per month for minimum coverage.
Who has the cheapest car insurance in Oregon with a DUI?
State Farm provides cheapest car insurance after a DUI in Oregon, with rates at $41 monthly ($497 annually) for minimum coverage and $96 monthly ($1,148 annually) for full coverage.
Who has the cheapest car insurance in Oregon for those with a speeding ticket?
If you've gotten a speeding ticket in Oregon, State Farm offers the lowest rates at $41 monthly for minimum coverage and $96 for full coverage.
Should you buy the cheapest car insurance in Oregon?
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. Progressive balances low prices with solid coverage options in Oregon.
How We Found the Most Affordable Car Insurance in Oregon
We collected auto insurance data from the Oregon Department of Insurance and Quadrant Information Services, analyzing quotes from 12 major insurers across more than 200 million rate comparisons in every residential ZIP code in Oregon. This statewide approach reveals how your specific location affects your premiums, from Portland to Bend to coastal cities.
Oregon Driver Profile
Our analysis started with a baseline driver profile to establish standard rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We then adjusted this profile across 10 driver categories including young drivers, seniors, bad credit, DUIs, accidents and speeding tickets. This shows you actual price differences based on your specific situation, not generic "average" rates that don't apply to anyone.
Standard Coverage Levels in Oregon
We compared car insurance companies in Oregon that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Oregon.
The minimum coverage liability limits in Oregon are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $20,000 per accident for property damage
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
Full coverage protects your finances better after accidents, but costs more monthly. Our data shows you exactly how much more, so you can decide if the added financial protection fits your budget.Retry
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.
sources
- Insurance Information Institute. "Facts + Statistics: Auto insurance." Accessed October 28, 2025.
- Insurance Information Institute . "Facts + Statistics: Uninsured Motorists ." Accessed October 28, 2025.
- National Centers for Environmental Information . "Climate at a Glance ." Accessed October 28, 2025.
- National Insurance Crime Bureau. "Vehicle Thefts Surge Nationwide in 2023 ." Accessed October 28, 2025.