Below are our picks for the best home and auto insurance bundling companies in Oregon:
Best Home and Auto Insurance in Oregon
Updated: April 7, 2025
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Key Takeaways
Oregon's best home and auto insurance companies are USAA, State Farm and Nationwide
State Farm offers the best home and car insurance discount, with savings of 20% on auto and 35% on home insurance.
Home and auto insurance in Oregon costs around $1,917 per year, 38% below the national average.
Who Offers the Best Home and Auto Insurance Bundles in Oregon?
| USAA | 91 | $1,816 | $217 |
| Nationwide | 90 | $1,732 | $363 |
| Auto-Owners | 90 | $2,004 | $303 |
| State Farm | 83 | $1,508 | $549 |
| Farmers | 68 | $2,079 | $607 |
| Allstate | 61 | $2,365 | $394 |
State Farm: Best Cheap Home and Auto Insurance in Oregon
State Farm offers the most affordable home and auto insurance in Oregon, with savings of $549 yearly. Young drivers benefit from its Steer Clear program that promotes safe driving. State Farm ranks second for auto and seventh for home insurance in J.D. Power's customer satisfaction study.
| Auto | $912 | $228 | 20% |
| Home | $596 | $320 | 35% |
USAA: Best Home and Auto Insurance in Oregon for Military
USAA offers excellent home and auto insurance for military members and their families with various discounts and special coverage options. Its SafePilot program rewards safe drivers with up to 30% savings. USAA ranks highest in J.D. Power's customer satisfaction ratings for home and auto insurance.
| Auto | $985 | $39 | 4% |
| Home | $832 | $178 | 18% |
Nationwide: Best Home and Auto Insurance Coverage Options in Oregon
Nationwide may not be the most affordable choice for home and auto insurance, but it offers savings opportunities. Its usage-based car insurance program, Drivewise, can save drivers up to 40%. Nationwide's special coverage options include disappearing deductible, accident forgiveness and home equipment breakdown protection.
| Auto | $1,062 | $259 | 20% |
| Home | $670 | $104 | 13% |
Oregon Home and Auto Insurance Cost
Oregonians pay about $160 a month for home and auto insurance, less than the $258 national average. Depending on the provider, monthly costs range from $126 to $197.
| Oregon home and auto insurance bundle | $1,917 | $1,176 | -38% |
| National home and auto insurance bundle | $3,094 | $0 | 0% |
Oregon Home and Auto Insurance Quotes Without Bundling
While not bundling home and auto insurance in Oregon costs more, individual quotes may vary. Below are average costs of all coverage combinations from our top providers without bundling, listed from cheapest to most expensive.
| USAA | Auto-Owners | $1,565 |
| USAA | Farmers | $1,674 |
| State Farm | Auto-Owners | $1,682 |
| State Farm | Farmers | $1,790 |
| USAA | Nationwide | $1,797 |
| Nationwide | Auto-Owners | $1,863 |
| State Farm | Nationwide | $1,914 |
| USAA | State Farm | $1,940 |
| Nationwide | Farmers | $1,972 |
| USAA | Allstate | $2,104 |
| State Farm | USAA | $2,150 |
| Allstate | Auto-Owners | $2,220 |
| State Farm | Allstate | $2,221 |
| Nationwide | State Farm | $2,238 |
| Allstate | Farmers | $2,329 |
| Nationwide | USAA | $2,331 |
| Nationwide | Allstate | $2,402 |
| Auto-Owners | Farmers | $2,415 |
| Allstate | Nationwide | $2,452 |
| Auto-Owners | Nationwide | $2,539 |
| Farmers | Auto-Owners | $2,578 |
| Allstate | State Farm | $2,595 |
| Auto-Owners | State Farm | $2,682 |
| Allstate | USAA | $2,688 |
| Auto-Owners | USAA | $2,775 |
| Farmers | Nationwide | $2,810 |
| Auto-Owners | Allstate | $2,846 |
| Farmers | State Farm | $2,953 |
| Farmers | USAA | $3,046 |
| Farmers | Allstate | $3,117 |
Should I Bundle Home and Auto Insurance in Oregon?
For Oregon drivers, bundling home and auto insurance is generally more affordable than buying them separately. However, assess your coverage needs and financial situation to find the best fit.
Bundling discounts cost less than individual policies
In Oregon, bundling your home and auto insurance can save you money. The cheapest annual cost without bundling is $1,565, while bundling reduces it to $1,508.
Bundling makes policy management convenient
Bundling policies makes managing your insurance easier since it’s through a single account.
In rare cases, it might be better not to bundle in Oregon
Purchasing nonbundle insurance may not help you save more money, but it can provide more flexibility in coverage options.
Best Auto and Home Insurance in Oregon: Bottom Line
State Farm, Nationwide and USAA are the top picks for bundling home and auto insurance in Oregon. Bundling can save you more money than buying each policy separately. Compare multiple companies and get quotes to find the best deal.
Home and Auto Insurance in Oregon: FAQ
Find expert answers to common Oregon home and auto insurance questions here:
Who has the best home and auto insurance in Oregon?
State Farm is the top choice for most drivers in Oregon, balancing affordable rates and a positive customer experience. USAA is the top insurer for military members, while Nationwide is the best for coverage options.
Who has the cheapest home and auto insurance in Oregon?
In Oregon, State Farm offers the cheapest home and auto insurance bundle at $1,508 annually. Policyholders enjoy average annual savings of $549 compared to the state average.
How much does home and auto insurance in Oregon cost on average?
In Oregon, bundled home and auto insurance costs $1,917 yearly, 38% lower than the national average. The most affordable bundle rate is about $1,508 annually, while the most expensive costs $2,365.
Is bundling home and auto insurance cheaper in Oregon?
Bundling home and auto insurance is cheaper in Oregon, based on our research. While seeking the lowest rates, make sure your policy sufficiently covers potential losses.
Best Auto and Home Insurance Bundle in Oregon: Our Methodology
Bundle Scoring System
MoneyGeek used data from the Oregon Division of Financial Regulation and Quadrant Information Services to calculate home and vehicle insurance rates. We added customer satisfaction ratings from leading agencies, including AM Best and J.D. Power, to create individual scores for home and auto insurance. We also looked at each insurer's bundle discounts to measure savings potential.
We based the "bundle score" out of 100 on these weighted categories:
- Home insurance score: 40%
- Auto insurance score: 40%
- Discounts: 20%
Car, Home and Buyer Profile in Oregon
MoneyGeek's typical profile includes:
- 40-year-old male
- Good driving history
- 2010 Toyota Camry LE
- 12,000 miles driven annually
- Home built in 2000
Coverage Levels in Oregon
MoneyGeek analyzed rates for full coverage auto insurance with these limits:
- $100,000 property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for homeowners insurance with the following coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.