Cheapest Car Insurance in Oregon for 2026

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Updated: May 7, 2026

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Oregon ranks approximately 26th most affordable of 50 states at $115/month for full coverage, roughly 6% below the national average of approximately $122/month (Quadrant Information Services). Progressive leads full coverage at $81/month; State Farm leads minimum coverage at $38/month. COUNTRY Financial, a regional Pacific Northwest insurer with limited availability outside the Pacific Northwest, leads for young drivers and bad credit. COUNTRY Financial does not appear in the adult top five because its regional availability limits its inclusion in the national comparison set; it is the best option for young-driver and bad-credit profiles where it is available. Oregon is technically an at-fault state, but the state mandates PIP ($15,000 per person) for all drivers, one of the few states where that combination applies.

Cheapest in Oregon by coverage type

Cheapest by city

Cheapest by driver age

Cheapest by driving record and credit score

11 providers analyzed. Oregon minimum includes mandatory $15,000 PIP and required UM/UIM. Most expensive full coverage: Dairyland at $192/month (nonstandard). Savings vs. Dairyland: $111/month ($1,332/year) by choosing Progressive. Source: Quadrant Information Services. Note: COUNTRY Financial is a regional Pacific Northwest insurer; limited availability outside the Pacific Northwest is the reason it does not appear in the adult top-five full coverage ranking.

Cheapest Minimum and Full Coverage Car Insurance in Oregon

Progressive leads full coverage in Oregon at $81/month; State Farm leads minimum coverage at $38/month, a separation of $7/month on full coverage and $8/month on minimum coverage (Quadrant Information Services). Drivers seeking the best car insurance in Oregon for full coverage should start with Progressive; those evaluating minimum coverage should start with State Farm. Choosing Progressive over Dairyland (the most expensive full coverage option at $192/month, a nonstandard insurer) saves $111/month ($1,332/year).

Oregon is an at-fault state, but the state mandates PIP ($15,000 per person) and UM/UIM on all policies. Oregon's minimum coverage is more comprehensive than most at-fault state minimums: drivers get first-party medical coverage and protection against uninsured drivers even at the legal floor.

State Farm
$38
GEICO
$42
COUNTRY Financial
$46
Progressive
$46
Travelers
$50
Progressive
$81
Travelers
$83
State Farm
$88
GEICO
$89
COUNTRY Financial
$95

Cheapest Car Insurance by Age in Oregon

COUNTRY Financial leads standalone young-driver policies at $130 a month, $36 a month below Travelers at $166 a month and $82 a month below Progressive at $212 a month. GEICO is the cheapest for seniors at $94 a month. Oregon's family policy pricing has an unusual split at age 25: Travelers leads girls at $183 a month while Progressive leads boys at $182 a month, one of the rare ages where boys are cheaper than girls. COUNTRY Financial leads at nearly every other age from 16 to 24, with Progressive briefly taking over at age 19 for both genders.

Teen rates drop from age 16 to 24 before a slight uptick at 25 driven by the provider switch. A 16-year-old girl on a family policy with COUNTRY Financial costs $305 a month, falling to $170 a month at age 24, a $135 a month ($1,620 a year) reduction. Oregon's car insurance rates by age sit above the national average, reflecting the state's urban density and higher repair costs.

Open the dropdowns below to see full rate breakdowns for all ages 16 to 25 and for the top senior options.

Young Adult Drivers (Standalone)
COUNTRY Financial
$130
Teen Drivers (16, Female, Family Policy)
COUNTRY Financial
$305
Teen Drivers (16, Male, Family Policy)
COUNTRY Financial
$324
Seniors (65+)
GEICO
$94

Cheapest Car Insurance for High-Risk Drivers in Oregon

State Farm leads four high-risk categories in Oregon: speeding ticket ($93/month), at-fault accident ($107/month), DUI ($93/month) and texting while driving ($93/month). The speeding, DUI and texting rates of $93/month are close to State Farm's clean-record full coverage rate of $88/month, suggesting State Farm applies modest violation surcharges compared to other providers in this dataset. COUNTRY Financial leads bad credit at $120/month. Oregon drivers with violations need to find high-risk car insurance in Oregon.

Most violations affect rates for three years; DUI convictions carry longer surcharge periods. Oregon requires SR-22 filing after certain violations.

Profile
Cheapest Provider
Monthly Rate

Speeding Ticket

State Farm

$93

At-Fault Accident

State Farm

$107

DUI

State Farm

$93

Texting While Driving

State Farm

$93

Bad Credit

COUNTRY Financial

$120

Cheapest Car Insurance by City in Oregon

Progressive leads Bend, Corvallis, Medford and Springfield, all smaller inland and southern Oregon cities. GEICO leads Beaverton, Eugene and Portland. COUNTRY Financial leads Gresham and Hillsboro. Travelers leads Salem. The biggest city gap in this dataset is Gresham at $131/month versus Medford at $68/month, a difference of $63/month ($756/year). Gresham is a dense eastern Portland suburb with high traffic and claims activity; Medford is a mid-size southern Oregon city with lower density and claim frequency.

Portland ($107/month) and Gresham ($131/month) are adjacent Portland metro communities that differ by $24/month, with different cheapest providers (GEICO versus COUNTRY Financial). Drivers in the Portland metro should get city-specific quotes. Hillsboro ($110/month) and Beaverton ($95/month) also vary despite being nearby. Oregon drivers can compare car insurance options across cities.

City
Cheapest Provider
Monthly Full Coverage Rates

Beaverton

GEICO

$95

Bend

Progressive

$71

Corvallis

Progressive

$69

Eugene

GEICO

$78

Gresham

COUNTRY Financial

$131

How to Get the Cheapest Car Insurance in Oregon

Oregon drivers can save up to $1,332/year on full coverage by choosing Progressive ($81/month) over Dairyland ($192/month). Savings opportunities vary by profile: Progressive leads adult full coverage, State Farm leads minimum coverage and all four high-risk violation categories, and COUNTRY Financial leads for young drivers and bad credit. Drivers should re-shop at age 19 and again at age 25, when the cheapest provider shifts. Getting quotes from at least three providers and comparing city-specific rates can reduce annual premiums considerably.

  1. 1

    Start With Progressive for Full Coverage, State Farm for Minimum

    Progressive and State Farm are separated by $7 per month on full coverage ($81 vs. $88) and $8 per month on minimum coverage ($46 vs. $38) in Oregon. The right starting point depends on which coverage level you need, so compare quotes for both tiers before choosing.

  2. 2

    Use COUNTRY Financial for Young Drivers

    COUNTRY Financial leads for standalone young-driver policies at $130 per month (individual policy per Quadrant methodology), compared to Travelers at $166 per month and Progressive at $212 per month, a difference of $82 per month versus Progressive. Most Oregon families with teen drivers should request a COUNTRY Financial quote before committing to another provider.

  3. 3

    Check State Farm for Any Violation

    State Farm leads on rates for speeding, DUI, at-fault accidents and texting violations at nearly the same rate as its clean-record pricing of $88/month. State Farm is Oregon's most violation-tolerant provider and the strongest starting point for drivers with a record.

  4. 4

    Use COUNTRY Financial for Bad Credit

    COUNTRY Financial leads Oregon's bad-credit category at $120 per month, which is $71 per month below Travelers at $191 per month. No provider in the Quadrant dataset falls between $150/month (Mutual of Enumclaw) and $191/month (Travelers), making the gap significant. Oregon drivers with poor credit should prioritize a COUNTRY Financial quote.

  5. 5

    Note That Oregon's Minimum Already Includes PIP and UM/UIM

    Oregon's mandatory minimum coverage is more comprehensive than most at-fault states because the state requires PIP ($15,000 per person) and UM/UIM on all policies. Drivers relocating from other states may find Oregon's minimum costs more than expected. Ask yourself how much car insurance do I need?

  6. 6

    Enroll in a Telematics Program

    Oregon drivers with safe driving habits can reduce premiums through telematics programs. Progressive Snapshot can save drivers up to 30% based on actual driving behavior, and State Farm Drive Safe & Save offers discounts of up to 30% for low-risk driving. Both programs reward low-mileage and safe-braking habits with ongoing premium reductions.

  7. 7

    Bundle Home and Auto

    Bundling home and auto insurance is one of the most consistent ways to reduce premiums in Oregon. Most major insurers offer a multi-policy discount of 5% to 15% when you combine home and auto coverage with the same carrier. State Farm and Progressive both offer bundling discounts in Oregon, and drivers who bundle can save an average of $150 to $300 per year depending on their home coverage level.

  8. 8

    Consider Non-Owner Coverage

    Oregon drivers who do not own a vehicle but drive regularly may still need liability protection. Non-owner car insurance satisfies Oregon's financial responsibility requirements without requiring a personal vehicle.

How Oregon's Minimum Coverage Compares to What You Actually Need

Oregon requires drivers to carry at least $25,000 in bodily injury liability per person, $50,000 per accident and $20,000 in property damage liability, written as 25/50/20. The bodily injury limits are on par with minimum car insurance requirements across most states, while the $20,000 property damage floor is below what most states require. Oregon mandates two coverages most at-fault states leave optional: PIP at $15,000 per person regardless of fault and UM/UIM at $25,000/$50,000. Both push 

The state's minimums higher than neighboring Washington, which mandates neither.

Deer and elk collisions are common across rural stretches and mountain passes, and neither is covered without comprehensive. Minimum coverage averages $58 per month versus $115 for full coverage. State Farm narrows that to $50 per month ($38 minimum versus $88 full coverage), the most competitive spread among major insurers in the state.

An image showing how Oregon’s state minimum coverage compares to other states and an explanation of what is covered and where you are left unprotected.

A total of 11 companies were analyzed. Baseline profile was a 40-year-old driver, clean record, good credit, with coverage of 100/300/100 and a $1,000 deductible. Oregon is an at-fault state that uniquely mandates PIP ($15,000 per person) and UM/UIM on all policies. COUNTRY Financial is a regional Pacific Northwest carrier with limited availability outside the Pacific Northwest; this is the reason it does not appear in the adult top-five full coverage ranking. Mutual of Enumclaw is a regional Pacific Northwest insurer. Dairyland is nonstandard. State Farm's speeding, DUI and texting rates closely match its clean-record rate. Standalone young-driver rates reflect individual policies; family policy add-on rates are shown separately. Gender is a rating factor. Oregon's approximately 26th affordability ranking is based on MoneyGeek state ranking dataset. National average full coverage of approximately $122/month is sourced from Quadrant Information Services 2025 data. Data from Quadrant Information Services.

About Mark Fitzpatrick

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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!

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