The Best Car Insurance in Oregon for 2022
To identify the best car insurance companies in Oregon, MoneyGeek looked at whether a company performs equally well in customer satisfaction, affordability and financial stability. GEICO takes the spot having the highest score on stability and affordability and tying for second in satisfaction.
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Based on the criteria mentioned above, MoneyGeek found that GEICO has the best auto insurance in Oregon. However, it might not be the best option for policyholders focused more on specific coverages like customer service, affordability and so on.
Maybe you are looking for affordable car insurance policies without much focus on service quality. With that in mind, MoneyGeek gathered rates to find the cheapest car insurance companies in Oregon.
The Best Car Insurance in Oregon
Best Car Insurance Companies in Oregon: Overall
Comparing average rates, claims ratings and user satisfaction reports informs our analysis in finding the best car insurance companies in Oregon. Based on MoneyGeek’s scoring system, these two companies are the best in the state overall:
- GEICO: MoneyGeek score of 3.8 out of 5
- Progressive: MoneyGeek score of 3.7 out of 5
Aside from ranking first in Oregon, GEICO is also the second-best leading car insurance provider on a national level.
Although USAA is still one of the best providers having a score of 5 out of 5 in Oregon, we excluded it in our rankings since they are limited to military members and their families.
The Top 5 Car Insurance Companies in Oregon
GEICO has the highest scores both in stability and affordability and tied second for satisfaction. It extends the typical dealer warranty with Mechanical Breakdown Insurance and costs around $979 annually.
Mechanical Breakdown Insurance (MBI) applies to new and leased vehicles that are 15 years old and have been driven for less than 15,000 miles. This coverage includes all parts and systems. Because an MBI is not a very common addition to a policy, you know that you are getting a better deal for a cheaper price.Read MoneyGeek's GEICO auto Insurance Review
A full coverage policy from Progressive can be purchased for around $1,002 annually. It tied first in claims and tied second both on stability and affordability. The company offers custom parts coverage.
If a driver includes custom parts coverage in their policy, all personalization and after-market accessories installed in their car are covered if there are damages. This is great for car owners who like to customize their auto with stereos, navigation systems, custom wheels and even a paint job. This coverage is limited to $5,000 worth of repairs.Read MoneyGeek's Progressive auto Insurance Review
State Farm, with an average cost of $1,135 per year. It tied first on claims, ranks second in satisfaction and ranks third in affordability. Riders working for a ridesharing company can add on rideshare insurance.
Riders working with a ridesharing company may add 15% to 25% of the total amount of their premiums to get rideshare insurance coverage that takes effect the moment the app is used and a rider shares the vehicle. All coverages like personal deductible and other usual coverages are included except for liability insurance.Read MoneyGeek's State Farm auto Insurance Review
Nationwide tied for second on stability and has identity theft coverage. You can purchase full coverage car insurance from this insurance company for roughly $1,167 a year.
Identity Theft Expense Reimbursement ensures that you and your family are covered for up to $25,000 worth of expenses in the unfortunate event that you become a victim of fraud and theft. It is quite uncommon for a car insurance company to provide this coverage but Nationwide does without cost.Read MoneyGeek's Nationwide auto Insurance Review
While American Family is one of the most expensive in the state at around $1364 per year, it ranks the highest in satisfaction. It has an Original Equipment Manufacturer (OEM) Coverage.
Drivers who like to keep their automobile smooth running even after damage may benefit from an OEM or Original Equipment Manufacturer's coverage as it makes sure that your car will be repaired using the original manufacturer's parts. The company also offers gap insurance coverage to pay the difference between the amount you owe on the car and the cost to replace it with a new one.Read MoneyGeek's American Family auto Insurance Review
Average rates taken from several companies depend on various factors, including the driver’s background and profile. To give a comprehensive analysis, MoneyGeek also takes a look at claims ratings and user satisfaction from J.D. Power and NAIC. All this information was considered in finding the best full coverage car insurance in Oregon for our sample driver.
MoneyGeek's Oregon Car Insurance Resources:
Compare the Best Insurance Options in Oregon
While cost, service and financial stability provide an idea of the car insurance company’s ranking, the best policy will still be based on the policyholder’s specific coverage requirements and needs. Through our one-on-one and in-depth reviews of specific companies and policies, MoneyGeek can help you find the best insurance option for you.
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Best Car Insurance in Oregon for Customer Service
Any car insurance policyholder would find great customer service particularly useful and highly necessary, especially since filing a claim requires urgency.
Taking out the affordability factor in our calculations, these companies perform best on claims rating and user satisfaction:
- The Hartford: MoneyGeek score of 4.7 out of 5
- Allstate: MoneyGeek score of 4.1 out 5
The Top 2 Car Insurance Companies in Oregon for Service Quality
Hartford has the highest claims rating of 5 out of 5 and the highest for user satisfaction of 4.5 out of 5.
The Hartford offers a lot of coverages that are rare to find in many car insurance companies, including full glass coverage, deductible modification and gap insurance. Having a high score of 4.5 out of 5 on satisfaction makes The Hartford an excellent choice for urgent car repair needs and other automobile-related concerns.Read MoneyGeek's The Hartford auto Insurance Review
Allstate has a claims rating and user satisfaction of 4.0 out of 5, tying for second in each category.
Allstate is a bit more expensive than other car insurance companies in the state. However, having a high claims and satisfaction score means that you can make sure that there will be assistance at any time you need customer service. Additionally, the option to add custom parts coverage and rideshare insurance makes Allstate a worthwhile choice for its price.Read MoneyGeek's Allstate auto Insurance Review
Best Car Insurance in Oregon for Drivers on a Budget
If you have a safe driving record, you might think that a car insurance policy is not necessary. However, to cover basic unforeseen damages, you need to get at least a state minimum car insurance policy.
When you’re looking for the cheapest car insurance coverage in Oregon, make sure that it also comes with great customer service.
The top car insurance companies in Oregon for drivers on a budget are:
- GEICO: 4.0 out of 5
- Progressive: 3.8 out of 5
MoneyGeek’s Pick: GEICO
Affordable minimum coverage for roughly $566 per year
Drivers in Oregon can get discounts just by completing a defensive driving course, installing an airbag and installing anti-lock brakes
MoneyGeek satisfaction rating of 4 out of 5
There are no offered discounts even when you pay in full or when you subscribe to a paperless billing
MoneyGeek claims rating of 3.5 out of 5
When you purchase a car insurance policy from GEICO, there are a lot of available coverages in their list. This includes discounts on bundling, multiple cars and safe driving.
Drivers that use their seatbelts at all times and those who installed daytime running lights can also get additional discounts from GEICO.
Best Car Insurance in Oregon for Poor Driving Records
MoneyGeek ranked companies in Oregon according to affordability after an accident whilst combining quality customer service. Since at-fault accidents significantly affect your rates, you want to compare companies that offer considerable rates even for drivers with bad driving records.
Here are the top companies for drivers with bad driving records:
- American Family: 4.0 out of 5
- State Farm: 3.8 out of 5
These two companies in Oregon are the best in the state in terms of combining affordability after an accident with great customer service.
MoneyGeek’s Pick: American Family
Affordable full coverage policy for poor drivers at around $1,411 per year
MoneyGeek user satisfaction score of 4.5 out of 5
Offers roadside assistance, rental car reimbursement and accident forgiveness
No new or better car replacement coverage
MoneyGeek claims rating of 3.5 out of 5
American Family provides the best car insurance policies in Oregon for poor drivers. While it has a low claims rating of 3.5 out of 5, it makes up with a satisfaction score of 4.5 out of 5.
Drivers with a bad driving record can opt for the following coverage:
- Roadside Assistance: When you get into an accident, any damages like flat tires, necessary repairs like jumpstarts and lockout services are all covered.
- Rental Car and/or Travel Reimbursement: The insurance company reimburses all expenses on a rental car as you wait for your auto to be repaired on the shop.
- Accident Forgiveness: This coverage prevents your premiums from increasing when you get into an accident for the first time or if you are a driver under 21 years of age with a clean driving record for more than five years.
Best Car Insurance in Oregon for a Military Background
USAA has some of the best offers for car insurance across all states. Garnering a MoneyGeek score of 5 out of 5, USAA is one of the best car insurance companies in Oregon offering affordable policies.
In Oregon, the cost of car insurance from USAA starts at $465 per year for the state minimum policy and $770 per year on average for a full coverage policy.
If you come from a family with military affiliation, USAA is likely the best choice for you.
MoneyGeek’s Pick: USAA
An affordable policy that costs roughly $1,193 for drivers with a bad record
Includes accident forgiveness coverage and loyalty discount offers
Claims rating of 5 out of 5
Satisfaction score of 5 out 5
USAA policies are only limited to military families
The best policies in Oregon are offered by USAA. The insurer also has the best service, holding its long-standing reputation as one of the best across all states.
A few of the coverages to get from USAA includes:
- Rideshare Gap Coverage: Some insurers don’t provide coverage when drivers are waiting for a rideshare. USAA offers coverage for just an additional $6 per month.
- Accident Forgiveness: As a USAA policyholder, if you’ve remained violation and accident-free for five years, your premiums won’t go up after your first accident.
- Vehicle Storage: This is an unusual coverage that offers policyholders a discount when they store an insured vehicle.
- New Vehicle: Receive a discount when you insure a car that is no more than three years old.
Best Car Insurance in Oregon for Young Drivers and Students
Young drivers and new drivers benefit most from car insurance as they are the most prone to accidents and car damages. Just like other policies with a specific driver in mind, you want to combine affordability and great customer service when looking for the best car insurance policy in Oregon for teen drivers and student drivers.
Based on MoneyGeek’s ratings, the best car insurance companies in Oregon for young and student drivers are:
- GEICO: 4.3 out of 5
- Allstate: 4.2 out of 5
These two companies provide cheaper quotes for inexperienced drivers while still providing quality customer service.
MoneyGeek’s Pick: GEICO
Affordable coverage of roughly $2,216 per year
Discounts for being a good student and completing a driver’s education course
Satisfaction score of 4.0 out of 5
No offered discounts for distant drivers
Claims rating of 3.5 out of 5
Adding a young driver into a policy can be expensive. However, GEICO is able to lower the cost while maintaining quality customer service. Excellent customer service is necessary as accidents and damages can occur more considering their experience in driving.
Though it is already generally affordable, GEICO offers several discounts to young drivers helping them save even further. Full-time students who get good grades in school can get up to 15% discount on some coverages. Another discount opportunity is when a student driver is able to complete a driver’s education course. While these are opportunities to save, these lessons will teach them to drive safely.
Best Car Insurance in Oregon for Those With New Cars
Car owners with newly purchased cars that are not older than three years should get a policy with either New Car Replacement or Better Car Replacement coverage.
At an additional cost, this coverage gives you the best bang for your buck as it replaces your auto with a new car of the same model and make or a better car of a more recent model.
In Oregon, the best option offering this coverage is Allstate.
MoneyGeek’s Pick: Allstate
New car replacement
Claims rating of 4 out of 5
Satisfaction rating of 4 out of 5
Relatively expensive at around $1,457 per year
No better car replacement offer
You may already have learned that a car immediately loses value the moment you drive it off the lot. Drivers with a bad driving record or those that are new to driving may benefit from getting a policy with a new car or better car replacement should they be unlucky enough to get involved in an accident soon after buying their car. This coverage gives them the chance to have a newly replaced car when that happens. The new vehicle coverage only applies to vehicle models that are at least one year older and you are the first owner of said vehicle.
Best Car Insurance in Oregon for Low-Mileage Drivers
Drivers who only occasionally travel using their car benefit most from a pay-per-mile coverage where the cost is based on how many miles they drive in a year.
In Oregon, Metromile is the best option for low mileage drivers.
MoneyGeek’s Pick: Metromile
Metromile Program offers affordable coverage
Rewards low mileage drivers
Not advisable to car owners who drive regularly
Metromile is one of the only companies that offer a strictly pay-per-mile program. Oregon is one of the few states that can take advantage of this program.
Having a pay-per-mile coverage is ideal for drivers that take short trips between locations. They will be able to save more on insurance premiums the less they drive the car. Premiums for this coverage are cheaper because drivers are less likely to encounter accidents the less they are on the road.
How to Find the Best Car Insurance in Oregon in For You
When looking for the top car insurance companies in Oregon, best to start by looking at whether there is a balance between cost, service and financial stability. MoneyGeek scoring system identified the top companies that exhibited these criteria and listed them to help you decide which one is for you.
Research Customer Service Reputations in Oregon
J.D. Power and NAIC complaint ratios were used as primary sources for our research. You may also visit their website if you want to know more about customer complaint ratios on companies in your state to help you with your decision. Oregon’s Department of Consumer and Business Services is also worth checking out for a complete guide to auto insurance in Oregon.
Compare Quotes for Yourself
The only way to make sure that you are getting the best deal is by comparing quotes available to you. It is not ideal to purchase a policy right off the bat. Consider if it matches your budget, if it offers great customer service and whether it has all the coverages you need.
Make Sure the Company Has Coverages You Want in Oregon
Make a list of all the coverages you think you need from car insurance. If you have been driving for a while or have been considering different policies, you may already have an idea of what you need, even if it’s your first time getting one. When an option arrives, look at whether the policy is all able to tick the majority if not all of those requirements.
Double-Check Financial Stability Ratings
Before buying any policy from a company, don’t forget to assess its financial strength. This tells you if the company will be able to pay for your claims should that need arrive.
FAQs About the Best Car Insurance in Oregon
As you go through our list of the best car insurance companies in Oregon, remember to also go through each company yourself to come up with a more informed decision. Don’t miss these common questions about car insurance in Oregon.
MoneyGeek gathered information through the help of Quadrant Information Services. We also looked at customer satisfaction, claims satisfaction and financial strength data which are available from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). Information on coverages and discounts were taken from the insurer’s websites.
We gathered quotes using our sample driver. This driver is a 40-year-old male with a clean driving record looking for full coverage with $1,000 deductible. This driver travels an average of 12k miles a year in a 2010 Toyota Camry LE. More details of our sample driver can be found on our methodology page.
About the Author
- Department of Consumer and Business Services Division of Financial Regulation. "A Consumer’s Guide to Auto Insurance." Accessed September 24, 2021.