BestCar InsuranceOregonBest Car Insurance in Oregon (May 2023)
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Country Financial is the best auto insurance in Oregon if you’re looking for either a full coverage or a state minimum coverage. This insurance company is also a solid company of choice if you have a driving record. Meanwhile, drivers with a unique profile and needs may look elsewhere, particularly American Family for the best customer service and Travelers for new car owners. Military members can find the best offers from USAA.
BestCar InsuranceOregonBest Car Insurance in Oregon
Best Overall - Country Financial
Best for Service - American Family Insurance
Best for Minimum Coverage - Country Financial
Best for Young Adults - Country Financial
Best for Seniors - Country Financial
Best for Driving Offenses - Country Financial
Best for New Cars - Travelers
Best for Military - USAA
Best Overall for Car Insurance in Oregon
Country Financial is the best car insurance company in Oregon for full coverage. The following companies came out on top, based on MoneyGeek’s analysis:
- Country Financial: MoneyGeek score of 92 out of 100 ($790 per year)
- American Family: MoneyGeek score of 90 out of 100 ($925 per year)
Of the 11 providers we evaluated, Country Financial offers the second-cheapest premiums and has the second-highest ratings for customer satisfaction. Drivers on a budget may consider MoneyGeek’s review of the cheapest full coverage auto insurance in Oregon.
1
Country FinancialBest Overall
Score:92
Country Financial has the second-highest ratings for affordability and customer service. A policy from this insurer costs $790 per year. It offers glass deductible modification coverage.
More About Country Financial
Country Financial offers Glass Deductible Modification that covers repairs for windshields, car windows and headlights. Drivers can get this additional coverage to waive their comprehensive insurance deductible. Portable electronics and media coverage is another add-on coverage option available through Country Financial. This coverage, rarely offered by other insurers, provides compensation of up to $800 if important electronics, like a laptop, are stolen from your vehicle.
Two common coverages from this company are roadside assistance and rental car and/or travel reimbursement. Roadside assistance coverage assists drivers when their car breaks down. Drivers in Oregon will also be covered for their rental car expenses in case their vehicle is not available after an accident. It should be noted that this coverage also applies to transportation, lodging and meals if your vehicle breaks down more than 100 miles from your home.
2
American Family Insurance
Score:NaN
American Family Insurance, the second-best auto insurance company in Oregon, has the highest score for affordability and coverage. It scored above average for customer satisfaction. A policy from this insurer costs $925 per year. It offers Original Manufacturer (OEM) as optional coverage.
More About American Family Insurance
American Family Insurance offers affordable premiums and essential coverage options from rental car and/or travel reimbursement, roadside assistance, accident forgivess, gap insurance and rideshare insurance. It offers two rarely offered optional coverages, namely OEM coverage and auto debt indemnity coverage.
American Family’s Original Equipment Manufacturer coverage, you are covered for the cost of original manufacturer parts if your vehicle needs repairs after an accident. This insurer will use original parts from your car’s manufacturer instead of generic or aftermarket parts.
Auto debt indemnity coverage from American Family helps pay the difference between the actual cash value of your vehicle and the remaining balance on your car loan or lease. Opting for this coverage will ensure that you are not left with a significant amount of debt after a total loss, and you can start over with a new vehicle.
3
Country Financial
Score:92
Country Financial has the second-highest ratings for affordability and customer service. A policy from this insurer costs $790 per year. It offers glass deductible modification coverage.
More About Country Financial
Country Financial offers Glass Deductible Modification that covers repairs for windshields, car windows and headlights. Drivers can get this additional coverage to waive their comprehensive insurance deductible. Portable electronics and media coverage is another add-on coverage option available through Country Financial. This coverage, rarely offered by other insurers, provides compensation of up to $800 if important electronics, like a laptop, are stolen from your vehicle.
Two common coverages from this company are roadside assistance and rental car and/or travel reimbursement. Roadside assistance coverage assists drivers when their car breaks down. Drivers in Oregon will also be covered for their rental car expenses in case their vehicle is not available after an accident. It should be noted that this coverage also applies to transportation, lodging and meals if your vehicle breaks down more than 100 miles from your home.
4
American Family Insurance
Score:NaN
American Family Insurance, the second-best auto insurance company in Oregon, has the highest score for affordability and coverage. It scored above average for customer satisfaction. A policy from this insurer costs $925 per year. It offers Original Manufacturer (OEM) as optional coverage.
More About American Family Insurance
American Family Insurance offers affordable premiums and essential coverage options from rental car and/or travel reimbursement, roadside assistance, accident forgivess, gap insurance and rideshare insurance. It offers two rarely offered optional coverages, namely OEM coverage and auto debt indemnity coverage.
American Family’s Original Equipment Manufacturer coverage, you are covered for the cost of original manufacturer parts if your vehicle needs repairs after an accident. This insurer will use original parts from your car’s manufacturer instead of generic or aftermarket parts.
Auto debt indemnity coverage from American Family helps pay the difference between the actual cash value of your vehicle and the remaining balance on your car loan or lease. Opting for this coverage will ensure that you are not left with a significant amount of debt after a total loss, and you can start over with a new vehicle.
How the Best Insurers in Oregon Rank: MoneyGeek Scores and Costs
Country Financial ranked as the best overall car insurance provider because it offers the best balance of affordability, claims management and customer satisfaction. It also provides a decent list of common and rare coverages. American Family ranked as the second-best insurer, offering the best set of common and rare optional coverages. Aside from these two insurers, Oregon drivers can also look for State Farm, Nationwide and Travelers, which offer affordable policies without sacrificing service quality.
Our review only ranked companies where data was available for all components of our scoring system (affordability, financial stability, customer service, etc.).
Best Car Insurance in Oregon for Customer Service
American Family is the best car insurer in Oregon for customer service, irrespective of cost. MoneyGeek’s analysis shows that the following companies offer the best customer experience for Oregon drivers:
- American Family: MoneyGeek score of 89 out of 100 ($925 per year)
- Capital Insurance Group: MoneyGeek score of 88 out of 100 ($1,196 per year)
American Family has the fourth-cheapest annual premium, making it slightly more expensive than other insurers. However, it outperforms all of the competition when it comes to its availability of coverage options.
pros
Offer the fourth-cheapest annual premium at $925 per year
Has the most amount of coverage options
Offers rare coverage options, like Original Equipment Manufacturer (OEM) coverage
cons
Has an average score for customer service
Has a below-average score for claims management
COMPANY HIGHLIGHTS
American Family is only available in select states, like Oregon, and has relatively low-cost policies. It earned an average customer satisfaction score and offers a variety of coverages and discounts.
One of American Family’s rare coverage offers is OEM coverage. This is an ideal addition for Oregon drivers who are concerned with having damaged parts replaced with aftermarket parts after their vehicle is damaged in an accident.
American Family offers accident forgiveness coverage, which prevents your car insurance from increasing after your first at-fault accident. The insurer’s gap insurance coverage pays the difference between the amount you owe on the car and the cost to replace it with a new one in case it has been totaled or stolen.
What Makes an Insurer the Best for Customer Service?
Insurance companies with good customer service respond quickly to customers’ issues and address problems as needed. Under stressful situations, like filing a claim or seeking help when your car breaks down, good customer service is important.
American Family is the best insurer in Oregon. Compared to other insurers like State Farm, the most affordable provider, its policies cost more, but this added cost comes with more coverage options and superior customer service.
Best Car Insurance in Oregon for Minimum Coverage
Country Financial offers the best minimum coverage policy in Oregon. A minimum coverage insurance policy in Oregon meets the state’s minimum liability requirements. Our top-two choices are:
- Country Financial: MoneyGeek score of 93 out of 100 ($395 per year)
- State Farm: MoneyGeek score of 91 out of 100 ($381 per year)
Although State Farm outperforms Country Financial in terms of affordability and stability, the latter ranks first for having a better claims management rating and a higher customer satisfaction score.
A minimum coverage policy allows drivers to legally drive in the state, but the coverage may not be enough to cover liability costs and damages to their vehicle. To save money, we recommend researching the cheapest minimum coverage car insurance policies in Oregon.
pros
Offers the second-cheapest annual premium at $395
Has numerous discount opportunities, including daytime running lights
Has an above-average customer satisfaction and financial stability score
cons
Has a below-average claims management rating
Offers few coverage options
COMPANY HIGHLIGHTS
Country Financial earned a total MoneyGeek score of 81 out of 100, making it the best auto insurance company in Oregon for a minimum coverage policy. It is the second most affordable in Oregon and has above-average customer satisfaction and financial stability scores.
In addition to some of the most common coverage options, like rental car and/or travel reimbursement and roadside assistance, Country Financial also offers new car replacement, glass deductible modification and portable electronics and media coverage.
Glass deductible modification coverage covers the cost of repairs to your windshield, windows or headlights. With portable electronic and media coverage, if items inside your car, such as a phone or a laptop, are stolen, you’ll receive up to $800 to replace them.
What Makes an Insurer the Best for Minimum Coverage?
A good minimum coverage policy includes the minimum coverage required in the state for an affordable rate. The best insurers will offer relatively cheap policies while still providing quality customer service. Country Financial is our top-choice provider for minimum coverage auto insurance policies because it has affordable rates and provides above-average customer service.
Best Car Insurance in Oregon for Young Adults
Country Financial is the best car insurance provider in Oregon for young adults. In this category, insurers were evaluated based on affordability and customer service using quotes for a driver in their 20s seeking a full coverage policy. Our top-two choices are:
- Country Financial: MoneyGeek score of 91 out of 100 ($1,002 per year)
- American Family: MoneyGeek score of 90 out of 100 ($1,015 per year)
Compared to their younger counterparts, drivers in their 20s pay less for car insurance. However, they still pay more than middle-aged drivers. Young people can still find inexpensive rates by shopping for the cheapest car insurance for young drivers in Oregon.
pros
Has the second-cheapest rates at $1,002 per year
Has the second-highest score for customer satisfaction
Offers good student and driver’s education discounts
cons
Has a below-average score for claims management
Offers few coverage options
COMPANY HIGHLIGHTS
Country Financial earned a MoneyGeek score of 77 out of 100, making it the best auto insurance company in Oregon for young adult drivers. It is the second-most affordable in Oregon and has above-average customer satisfaction and stability scores.
Young drivers can save money through the insurer’s numerous discount opportunities. New drivers can save on their annual premium by completing a driver’s education course. Furthermore, the insurer offers a good student discount, allowing full-time college students with a at least a B grade point average to save money.
New car replacement, which is rarely offered by other insurers, is available through Country Financial. If you have a new car and it gets totaled, Country Financial will replace it with the same make and model. This coverage applies to cars up to four model years old, depending on the state you live in.
What Makes an Insurer the Best for Young Adults?
Since young adult drivers are less experienced than middle-aged drivers, they typically pay more for insurance. Young drivers should choose an insurer that has relatively affordable policies, offers discount opportunities and provides exceptional customer service. Country Financial wins in this category as it offers policies at an affordable rate, all while providing quality service.
Best Car Insurance in Oregon for Seniors
Country Financial is the best insurance provider in Oregon for senior drivers. According to MoneyGeek’s research, these are the top-rated insurers for drivers in their 60s:
- Country Financial: MoneyGeek score of 92 out of 100 ($748 per year)
- American Family: MoneyGeek score of 90 out of 100 ($656 per year)
Out of the 12 insurers we evaluated, Country Financial has the second-cheapest premiums and the third-highest customer satisfaction rating.
Drivers in their 60s tend to pay similar rates to drivers between the ages of 30 and 50. However, rates increase as drivers approach their 70s. We recommend comparing different insurers to find the cheapest car insurance for seniors in Oregon.
pros
Has the second-cheapest rates at $748 per year
Offers rare coverages like glass deductible modification and portable electronics and media coverage
Has an above-average customer satisfaction score
cons
Has a below-average claims management rating
Does not offer any senior-specific discounts
COMPANY HIGHLIGHTS
Country Financial earned a total MoneyGeek score of 79 out of 100, making it the best auto insurance company in Oregon for senior drivers. It is the second-most affordable in Oregon in terms of policy rates and has above-average scores for customer satisfaction and financial stability.
The insurer offers roadside assistance coverage, which can come in handy if your car breaks down on the road. With this coverage, you’ll be reimbursed up to $100 for towing, delivery of fuel, repair parts and labor charges. Rental car and/or travel reimbursement coverage reimburses drivers for travel, accommodations or meal expenses if they get into an accident away from home.
While the insurer doesn’t offer any senior-specific discounts, drivers can take advantage of numerous discount opportunities, like the insurer’s safe driving discount. This can help you save up to 10% or more based on driving performance. Participating policyholders simply install a smartphone mobile app that monitors their driving data.
What Makes an Insurer the Best for Seniors?
Seniors are typically charged more for insurance, but they can save money by choosing an insurer that offers affordable policy rates and senior discounts. Our top choice, Country Financial, offers competitively low rates and numerous discount opportunities. While it lacks senior-specific discounts, it offers discounts for safe driving, defensive driving, bundling policies and more. The runner-up, American Family, has higher rates and a lower customer satisfaction score.
Best Car Insurance in Oregon for Drivers With Offenses
In Oregon, Country Financial offers the best policies even for drivers with offenses, like speeding tickets, DUIs and at-fault accidents. Our top-two choices are:
- Country Financial: MoneyGeek score of 91 out of 100 ($1,105 per year)
- American Family: MoneyGeek score of 90 out of 100 ($1,114 per year)
Country Financial is the cheapest provider and ranks the highest in customer satisfaction and affordability. American Family, on the other hand, outperforms Country Financial in terms of c overage, and company’s ability to fulfill a claim.
Drivers with offenses pay more than those with clean driving histories. For instance, in Oregon, a DUI, speeding ticket or at-fault accident will increase your insurance premium by $415, $214 or $356, respectively.
You can save money by comparing providers to find the cheapest car insurance in Oregon after an incident.
pros
Offers the second-cheapest rates at $1,105 per year
Offers roadside assistance and rental car and/or travel reimbursement coverage
Has an above-average customer satisfaction score
cons
Has a below-average claims management rating
Offers few coverage options
COMPANY HIGHLIGHTS
Country Financial earned a total MoneyGeek score of 77 out of 100, making it the best auto insurance company in Oregon for those with a history of driving violations. It scored well on customer satisfaction and financial stability, but it fell short in claims management and coverage options.
With this insurer, drivers can opt for roadside assistance or rental car and/or travel reimbursement coverage. Roadside assistance reimburses drivers up to $100 for towing services, delivery of fuel, oil or gas and labor charges. Roadside assistance and/or travel reimbursement coverage can be especially helpful if you get into an accident away from home, as it covers expenses for your rental vehicle, accommodations or meals.
Drivers in Oregon can take advantage of numerous discounts from Country Financial, including its defensive driving, marriage and bundling discounts. The insurer also offers a discount between 5% and 10% for certain professions, including police officers, firefighters, EMTs and paramedics.
What Makes an Insurer the Best for Drivers With Offenses?
It can be difficult to find insurers willing to provide coverage at affordable rates for drivers with a driving offense. However, drivers can save money by comparing rates from multiple insurers. Drivers with violations should focus on companies that offer relatively affordable rates and discounts. Country Financial is our top choice because its policies are relatively affordable and it offers numerous discount opportunities.
Best Car Insurance in Oregon for Drivers With New Cars
Travelers is the best insurance company in Oregon for drivers with new cars. In this category, we only evaluated companies that offered new or better car replacement coverage. Rankings were based on quotes for a 2022 car model. Our top-two choices are:
- Travelers: MoneyGeek score of 91 out of 100 ($1,003 per year)
- Farmers: MoneyGeek score of 80 out of 100 ($1,498 per year)
Of the four providers we ranked, Travelers has the highest affordability score and the second-highest customer satisfaction score.
New car replacement coverage from Travelers provides drivers with extra coverage for the first five years. Its coverage will replace your totaled car with a brand new one of the same make and model.
pros
Has the cheapest rates at $1,003 per year
Offers new car replacement coverage
Has an above-average customer satisfaction score
cons
Has a below-average claims management score
COMPANY HIGHLIGHTS
Travelers received a MoneyGeek score of 76 out of 100 for its cheap rates, above-average customer service and new car replacement coverage.
A new car replacement coverage from Travelers is a worthy addition on top of your full coverage policy to protect your investment in case your car gets totaled or heavily damaged within the first years of owning it. With this add-on coverage, Travelers will replace your totaled car with a brand new one.
In addition, gap insurance is another helpful add-on coverage if you were to get into an accident involving your new car. This covers the difference in cost between the amount you owe on your leased vehicle and its market value if it’s totaled.
What Makes an Insurer the Best for Drivers With New Cars?
Drivers with new cars should look for insurers that offer affordable rates and new or better car replacement coverage. Our top choice for this category, Travelers, offers relatively affordable rates and new car replacement coverage as an add-on option. The runner-up insurer, Farmers, costs significantly more at $1,498 per year and has a lower customer satisfaction score.
Best Car Insurance in Oregon for Military Drivers
USAA topped our list of the best car insurance companies for drivers with a military background, earning a MoneyGeek score of 93 out of 100. The average full coverage premium from USAA is $811 per year, the third cheapest among the providers we evaluated in Oregon.
If you meet its eligibility requirements, USAA is the best option because of its affordable policies and coverage options that are specifically tailored to the needs of military personnel and their families.
pros
Has the third-cheapest rates at $811 per year
Offer common coverage options, like roadside assistance and accident forgiveness
Has the highest score for customer satisfaction
cons
Offers few unique coverage options
Has a below average claims management score
COMPANY HIGHLIGHTS
USAA is our top choice for military members and their families due to its relatively affordable premiums and exceptional customer service. Residents in Oregon can buy a full coverage policy for only $811 per year.
USAA offers rental car and/or travel reimbursement coverage, roadside assistance, accident forgiveness and rideshare assistance. These are common coverages that often come with most policies from various insurers.
Although USAA does not have many unique coverage offers, it has various discount opportunities for military members and their families. In addition to military-specific discounts for storing their vehicle on base, policyholders can also save by bundling insurance policies.
How to Find the Best Car Insurance in Oregon for You
The best car insurance combines affordability, financial stability and customer service. MoneyGeek’s review identified the top insurers for different driver profiles in Oregon, but if you’d like to conduct your own research we recommend taking the following steps.
1
Research customer service reputations in Oregon
MoneyGeek analyzed providers in Oregon using customer service data from J.D. Power's customer satisfaction study and the NAIC customer complaint index. These reputable and independent institutions can help you find an insurer's service record. The Oregon Department of Insurance website also gives you more information about each insurance company.
2
Compare quotes
MoneyGeek's quotes are based on average rates for sample drivers in Oregon; your actual rate may vary based on your specific location and driver profile. We recommend getting quotes from at least three different insurers to get an idea of how much your car insurance will cost.
3
Find the coverages you want in Oregon
Insurance providers often advertise state-specific coverages and discounts on their websites. It's worth your time and effort to visit the website of your preferred insurance company to learn about the coverages and discounts it provides. Confirm the insurer's web-advertised offers by contacting them.
4
Check financial stability ratings
The financial strength rating of an insurer indicates how well it can meet its financial obligations. The majority of auto insurers are relatively large and diverse businesses, so they have a greater likelihood of being able to meet claims. However, it doesn't hurt to check their rating, especially if you're thinking about buying a policy from a small, regional insurer.
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FAQs About the Best Car Insurance in Oregon
The best car insurance for you will depend on your needs and preferences. MoneyGeek answered some of the most frequently asked questions to help you make the best decision when buying an auto insurance in Oregon.
About Mark Fitzpatrick
