Kemper is the go-to for affordable car insurance in Oregon, with an average monthly cost of just $40 and an annual rate of $480. This wallet-friendly rate saves drivers $313 compared to the state's average annual cost. These figures are from Quadrant Information Services, reflecting the most affordable rates for Oregon as of December 2024. Read our research methodology to learn about how we found the cheapest Oregon car insurance.
Cheapest Car Insurance in Oregon
Updated: May 13, 2025
Advertising & Editorial Disclosure
Key Takeaways
In December 2024, the cheapest car insurance companies for drivers in Oregon are Kemper, Travelers, Capital Insurance Group, American Family and Progressive.
Kemper offers the lowest rates for car insurance in Oregon, with minimum coverage at $40 monthly and full coverage at $65 monthly.
The average cost of car insurance in Oregon is $66 per month for minimum coverage and $115 per month for full coverage.
What Is the Cheapest Car Insurance in Oregon?
Cheapest Car Insurance Companies in Oregon
Kemper is the cheapest car insurance company for many drivers in Oregon, with an average monthly rate of $52. This is $38 less than the Oregon average. Other affordable options include Travelers, Capital Insurance Group, American Family and Progressive.
| Kemper | $52 | $40 |
| Travelers | $62 | $30 |
| American Family | $68 | $24 |
| State Farm | $75 | $17 |
| Country Financial | $76 | $16 |
| Progressive | $77 | $15 |
| Capital Insurance Group | $78 | $14 |
| GEICO | $79 | $13 |
| Nationwide | $81 | $11 |
| Farmers | $90 | $2 |
*We used combined minimum and full coverage rates for a 40-year-old driver with good credit and no driving violations to calculate these averages.
Best Car Insurance Rates in Oregon
Kemper offers the most affordable car insurance for both state minimum and full coverage for many drivers in the Beaver State. However, your rate will depend on your personal background. The table below highlights affordable rates for various major driving profiles.
| Minimum Coverage | Kemper | $40 |
| Full Coverage | Kemper | $65 |
| Drivers With Bad Credit | Kemper | $67 |
| Drivers With a DUI | State Farm | $55 |
| Drivers With an Accident | Kemper | $53 |
| Drivers With a Speeding Ticket | Kemper | $49 |
Read More: Cheapest Car Insurance
Cheapest Minimum Coverage Car Insurance in Oregon
Kemper offers the most affordable auto insurance rate, on average, in Oregon. Travelers, Capital Insurance Group and State Farm also provide cheap minimum liability coverage for Oregon drivers. Use the table below to explore rates from similar companies offering minimum coverage in the Beaver State and compare them to the monthly state average.
| Kemper | $40 | $26 |
| Travelers | $45 | $21 |
| Capital Insurance Group | $48 | $18 |
| State Farm | $49 | $17 |
| Country Financial | $51 | $15 |
| Progressive | $52 | $14 |
| GEICO | $52 | $14 |
| American Family | $55 | $11 |
| Nationwide | $57 | $9 |
| Farmers | $63 | $4 |
Cheapest Full Coverage Car Insurance in Oregon
Kemper is the cheapest provider for full coverage auto insurance in Oregon, with rates averaging $65 per month or $776 per year. Compared to the state's average cost, this rate offers savings of $50 annually. Check the table below for other provider options.
| Kemper | $65 | $50 |
| Travelers | $80 | $34 |
| American Family | $81 | $34 |
| Capital Insurance Group | $87 | $28 |
| Nationwide | $95 | $20 |
| Progressive | $98 | $17 |
| State Farm | $101 | $14 |
| Country Financial | $103 | $11 |
| GEICO | $105 | $9 |
| Farmers | $110 | $4 |
Cheapest Car Insurance in Oregon for Young Drivers
In Oregon, young adult drivers may find the most affordable rates from Kemper. A state minimum policy with Kemper averages just $37 per month for 25-year-olds.
| Kemper | $37 | $36 |
| Travelers | $50 | $23 |
| State Farm | $53 | $20 |
| Progressive | $54 | $19 |
| Capital Insurance Group | $58 | $15 |
| Country Financial | $58 | $14 |
| American Family | $61 | $11 |
| GEICO | $62 | $10 |
| Nationwide | $72 | $0 |
*We used minimum coverage for a 25-year old driver with good credit and no driving violations to determine the cheapest provider.
Cheapest Car Insurance Rates for Young Drivers in Oregon
For young drivers in Oregon, Kemper often offers the most affordable auto insurance, with average rates of $37 per month for state minimum coverage and $65 per month for full coverage. While these rates vary based on your driving history, they're a great starting point. State Farm also provides budget-friendly options for drivers with a DUI at $60 per month.
| Kemper | Minimum Coverage | $37 |
| Kemper | Full Coverage | $65 |
| Kemper | Drivers With Bad Credit | $60 |
| State Farm | Drivers With a DUI | $60 |
| Kemper | Drivers With an Accident | $49 |
| Kemper | Drivers With a Speeding Ticket | $45 |
Read More: Cheapest Car Insurance for Young Drivers
Cheapest Car Insurance in Oregon for Seniors
Senior drivers in Oregon can find affordable rates with Kemper. Its average cost for a minimum coverage policy is $42 per month.
| Kemper | $42 | $24 |
| Capital Insurance Group | $45 | $21 |
| Country Financial | $46 | $20 |
| State Farm | $46 | $20 |
| Travelers | $47 | $19 |
| GEICO | $49 | $16 |
| Progressive | $50 | $16 |
| American Family | $55 | $11 |
| Nationwide | $59 | $7 |
*We used minimum coverage for a 65-year old driver with good credit and no driving violations to determine the cheapest provider.
Cheapest Car Insurance Rates for Seniors in Oregon
For senior drivers in the Beaver State, Kemper offers affordable rates for both state minimum and full coverage. Capital Insurance Group is a strong contender for those with bad credit or traffic violations. Your quote may differ, but the table below can guide your insurance shopping.
| Kemper | Minimum Coverage | $42 |
| Kemper | Full Coverage | $68 |
| Capital Insurance Group | Drivers With Bad Credit | $66 |
| State Farm | Drivers With a DUI | $52 |
| Capital Insurance Group | Drivers With an Accident | $53 |
| Capital Insurance Group | Drivers With a Speeding Ticket | $49 |
Read More: Cheapest Car Insurance for Seniors
Cheap Auto Insurance for High-Risk Drivers in Oregon
Drivers in Oregon with a DUI, at-fault accident or speeding ticket are considered high-risk drivers by insurers and pay more for car insurance compared to those with clean records. Premiums vary depending on the offense. Below are the best rates for drivers with these infractions.
Cheapest Car Insurance in Oregon With a DUI
State Farm offers the best rates for Oregon drivers with DUIs, averaging $55 per month ($663 per year) for minimum coverage insurance. Check the table below for a list of insurance providers and their average monthly premiums for drivers with DUIs in Oregon.
| State Farm | $55 | $37 |
| Progressive | $57 | $35 |
| American Family | $66 | $27 |
| Capital Insurance Group | $67 | $25 |
| Country Financial | $70 | $23 |
| Travelers | $72 | $20 |
| Farmers | $90 | $2 |
| Kemper | $90 | $2 |
*We used a 40-year-old driver with good credit and a DUI on record to calculate these averages.
Cheapest Car Insurance in Oregon With an Accident
With rates averaging $53 per month ($640 per year), Kemper is the cheapest company for drivers after an at-fault accident. Below, find a list of other insurers offering affordable coverage for drivers with accidents. Rates are for minimum coverage policies.
| Kemper | $53 | $37 |
| Capital Insurance Group | $58 | $32 |
| Country Financial | $63 | $27 |
| Travelers | $64 | $26 |
| State Farm | $65 | $25 |
| American Family | $67 | $23 |
| Nationwide | $76 | $15 |
| Progressive | $82 | $8 |
| GEICO | $90 | $0 |
*We used a 40-year-old driver with good credit and an at-fault accident on record to calculate these averages.
Cheapest Car Insurance in Oregon With a Speeding Ticket
Kemper offers the cheapest insurance for Oregon drivers with a speeding ticket, averaging $49 per month. See the table below to compare providers offering minimum coverage for drivers with a speeding ticket.
| Kemper | $49 | $32 |
| Capital Insurance Group | $53 | $27 |
| State Farm | $55 | $25 |
| Travelers | $61 | $19 |
| Country Financial | $61 | $19 |
| Progressive | $63 | $17 |
| American Family | $66 | $15 |
| GEICO | $73 | $7 |
| Nationwide | $74 | $6 |
| Farmers | $80 | $0 |
*We used a 40-year-old driver with good credit and a speeding ticket on record to calculate these averages.
Cheapest Car Insurance in Oregon for Drivers With Bad Credit
Kemper offers the cheapest car insurance for drivers with poor credit, offering rates as low as $49 monthly and $582 annually for minimum coverage. Check the table below for more options from other providers.
| Kemper | $67 | $37 |
| Progressive | $68 | $36 |
| Capital Insurance Group | $71 | $34 |
| Country Financial | $79 | $26 |
| GEICO | $80 | $25 |
| Travelers | $81 | $23 |
| Nationwide | $90 | $14 |
| American Family | $101 | $4 |
*These rates are based on a 40-year-old driver with bad credit and a clean driving record.
Cheapest Car Insurance in Oregon by City
Where you live impacts your car insurance costs. Rates vary across cities and are affected by factors like population, flood risks and crime.
For example, Kemper's average monthly rate for minimum coverage in Eugene is $36 but jumps to $55 in Portland. Check the table below to find your city, the most affordable company and its lowest average monthly premium.
*The lowest rate reference is for a minimum coverage policy for 40-year-olds with good credit and no driving violations.
Cheapest Home and Auto Insurance in Oregon
If you're looking to bundle home and auto insurance in Oregon, MetLife offers an affordable rate of $1,317. Check the table below for more affordable bundling options.
| MetLife | $1,317 |
| Metropolitan | $1,317 |
| Nationwide | $1,561 |
| Travelers | $1,617 |
| State Farm | $1,708 |
| Allstate | $1,903 |
| Farmers | $1,942 |
*Rates are for a 40 year old driver with good credit and no driving violations
How Much Does Car Insurance Cost in Oregon?
In Oregon, the monthly average cost for full coverage car insurance is $115, while minimum coverage averages at $66. Understanding the average cost of car insurance in Oregon helps you spot if you're getting a fair deal on your policy.
Oregon Car Insurance Cost by City
In Oregon, car insurance rates change by city. See how much you might pay with this table of average minimum and full coverage costs.
| Eugene | $64 | $106 |
| Gresham | $97 | $156 |
| Hillsboro | $82 | $129 |
| Portland | $99 | $159 |
| Salem | $78 | $125 |
Is Car Insurance in Oregon Expensive?
Car insurance in Oregon ranks 16th, making it pricier than many other states. The Beaver State's rates reflect its moderate population density, occasional natural disasters, and vehicle theft rates. For more details on why car insurance is expensive in Oregon, visit MoneyGeek.
Oregon Car Insurance Minimum Requirements
In Oregon, Oregon law mandates that all drivers must have car insurance with minimum coverage limits. These include $25,000 for bodily injury per person, $50,000 per accident, and $20,000 for property damage per accident. Additionally, drivers must carry $25,000 in uninsured motorist coverage per person and $50,000 per accident, along with $15,000 in personal injury protection per person.
When you finance or lease a car, you're often required to get comprehensive and collision insurance on top of the state's minimum liability coverages. While a minimum liability auto insurance policy is the most affordable option, it provides the least financial protection. Experts suggest opting for full coverage insurance with the highest deductible and liability limits that fit your budget for greater security on the road.
Bodily Injury Liability
This coverage pays for injuries you cause to others in an accident. Minimum limits are $25,000 per person and $50,000 per accident. It helps cover medical expenses and legal fees if you're at fault.
Property Damage Liability
Covers damage you cause to another person's property. The minimum limit is $20,000 per accident. This helps pay for repairs or replacement of the damaged property.
Uninsured/Underinsured
Protects you if you're hit by a driver without insurance or not enough coverage. Minimum limits are $25,000 per person and $50,000 per accident. It helps cover your medical expenses and damages.
Personal Injury Protection
Covers your medical expenses regardless of who is at fault. The minimum limit is $15,000 per person. It helps pay for medical bills and lost wages after an accident.
Drivers with serious traffic violations, such as DUI, may need to file for SR-22 insurance, which can increase your premium. In Oregon, either you or your insurance company can file the SR-22 form. It remains valid for 3 years from your most recent offense. Understanding these requirements can help you plan ahead.
Alternative Ways to Satisfy Oregon Car Insurance Requirements
In the Beaver State, self-insurance is a common alternative to traditional car insurance. This option requires you to prove financial responsibility, ensuring you can cover potential accident costs, thereby meeting state minimum requirements.
For business owners, fleet insurance is a viable alternative. It covers multiple vehicles under one policy, simplifying management and potentially reducing costs. This option ensures your business vehicles meet Oregon's insurance requirements efficiently.
How Much Car Insurance Should I Get in Oregon?
MoneyGeek recommends that drivers get full coverage car insurance, which includes liability, collision, and comprehensive coverage. For optimal protection, we suggest the following liability limits:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage per accident
Comprehensive coverage pays for off-road damage to your car if it's stolen, vandalized, or damaged by something other than a collision, like severe weather or a fire. Collision coverage, on the other hand, takes care of damages to your car from on-road collisions.
If you own a valuable car, it's a smart move to purchase both comprehensive and collision insurance, even though it's not a legal requirement. When setting your deductible for these coverages, choose an amount you're comfortable paying out of pocket before your insurance covers the remaining costs.
Cheap Car Insurance in Oregon: Bottom Line
Kemper offers Oregon's most affordable car insurance, with full coverage at just $65 and minimum coverage at $40 per month. While saving money is great, remember that the cheapest option may not be the best for you. Experts say it's wise to buy as much coverage as you can afford to stay safe on the road.
Cheap Car Insurance in Oregon: FAQ
MoneyGeek answers common questions about affordable car insurance in Oregon. We help you find the right coverage for your needs. Understand your options and choose what fits best without the hassle.
What are the cheapest car insurance companies in Oregon?
For drivers in Oregon looking to save, Kemper offers an economical choice with basic coverage starting at $40 per month.
Who has the cheapest car insurance rates for young drivers in Oregon?
Young drivers in Oregon can find competitive rates with Kemper, where basic coverage starts at about $51 monthly, and full coverage options are also well-priced.
Who offers the cheapest car insurance rates for seniors in Oregon?
Seniors in Oregon can take advantage of Kemper's affordable rates, with average premiums around $55 per month, which is $34 less than the state's average.
Should you buy the cheapest car insurance available in Oregon?
Choosing the cheapest car insurance may seem appealing, but it's important to ensure sufficient coverage. Kemper strikes a good balance between cost and service, making it the most economical and best car insurance in Oregon. With basic plans starting at $40, you can protect yourself without overspending.
How much does car insurance in Oregon cost, on average?
On average, car insurance in Oregon costs $115 per month for full coverage and $66 for minimum coverage. It's wise to consider these costs against the coverage provided to avoid financial strain in an accident.
What are car insurance requirements in Oregon?
Oregon requires a minimum auto insurance coverage, including $25,000 per person and $50,000 per accident for bodily injury liability, and $20,000 per accident for property damage liability. Uninsured Motorist Coverage must be $25,000 per person and $50,000 per accident, with Personal Injury Protection (PIP) at least $15,000. It's important to evaluate if minimum coverage is sufficient to protect your finances in an accident.
Affordable Car Insurance in Oregon: How We Found the Best Cheap Rates
MoneyGeek obtained auto insurance rates from the Oregon Department of Insurance and Quadrant Information Services. We examined 51,654 auto insurance quotes from 13 providers across 47 ZIP codes to determine the most affordable car insurance companies in Oregon.
Oregon Driver Profile
We used a driver profile with the following background information to identify the cheapest auto insurance companies in Oregon:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
To find the cheapest option for various driver backgrounds, we adjusted this sample profile by age, driving record, credit score, car make and model, and military service where specified.
Standard Coverage Levels in Oregon
We compared car insurance companies in Oregon that offer both minimum and full coverage policies. The minimum coverage liability limits in Oregon are:
- $25,000 for bodily injury liability per person.
- $50,000 for bodily injury liability per accident.
- $20,000 for property damage liability per accident.
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
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
Home and Auto Coverage Levels in Oregon
MoneyGeek analyzed the rates of insurance companies for a full-coverage auto insurance policy that includes the following coverage and limits:
- $100,000 in 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 a homeowners insurance policy that includes the following limits and 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.