The Cheapest Car Insurance in Oregon for 2022

MoneyGeek analyzed rates from car insurance companies in Oregon to identify the state's most affordable plans. GEICO provides the cheapest insurance for an average driver in the state. Purchasing this provider's cheapest policy can save Oregon drivers up to $686, on average.

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Last Updated: 5/13/2022
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Although GEICO offers the cheapest full coverage and minimum liability auto insurance in Oregon, other criteria, such as coverage quantity, driving history, age and credit score can also affect average rates.

Progressive, for example, is the cheapest for drivers with a DUI on their record. Retired or active military members and their families can get the cheapest rates from USAA for liability-only and full-coverage plans.

For those looking for an even more local solution, we also broke down the cheapest companies by city, as well as the best car insurance companies in Oregon for those looking to balance quality service and cost.

To find out how MoneyGeek calculated the cheapest car insurance in Oregon, read our methodology.

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Cheapest Minimum Liability Car Insurance in Oregon

In Oregon, liability-only coverage is the most basic and cheapest insurance option for drivers. This is because it only meets the state’s minimum requirements.

MoneyGeek conducted a study on car insurance companies in Oregon and found the cheapest options for minimum coverage to be:

  • GEICO: $566 per year
  • Progressive: $629 per year

If you are a member of a military family, you qualify for USAA insurance, which has the lowest average rate in Oregon at $465 yearly. The most expensive car insurance provider in Oregon is American Family, with an average annual rate of $1,037.

Cheapest Minimum Car Insurance in Oregon
  • Company
    Annually
    Monthly
  • 1.
    $465
    $39
  • 2.
    $566
    $47
  • 3.
    $629
    $52
  • 4.
    $683
    $57
  • 5.
    $718
    $60

These prices are only estimates based on rates for an average Oregon driver and should not be used to compare insurance prices.

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Cheapest Full Coverage Car Insurance in Oregon

To get protection against most road accidents and off-road incidents, Oregon drivers should choose a full coverage policy with higher liability limits and comprehensive and collision insurance. While these policies are more expensive, they protect against the cost of damage to your vehicle. Compare quotes from multiple insurers to find the best rates.

Based on MoneyGeek’s study, the cheapest full coverage car insurance providers in the state for a driver are:

  • GEICO: $979 per year
  • MetLife: $992 per year

For military families, USAA's average annual rate of $770 is the most affordable option. Allstate has the most expensive rate for comprehensive and collision insurance in Oregon, costing an average of $1,457 annually.

Cheapest Full Coverage Car Insurance in Oregon

Insurance providers evaluate individual factors to determine premiums, so your rates will be different from the examples given. These prices are based on a comprehensive and collision insurance policy with $100,000 in bodily injury liability coverage per person, $300,000 in bodily injury liability coverage per accident and $100,000 in property damage coverage per accident.

How to Compare Cheap Oregon Car Insurance Quotes Online

Most car insurance companies in Oregon will allow drivers to get a reasonably accurate quote on their website.

  • Before getting a quote, determine the coverage level you will need so you can compare rates. If you get a quote for $100,000 in bodily injury liability insurance from one insurer, make sure you are using the same requirement with other providers.
  • Most insurance providers in Oregon provide quotes online. Use MoneyGeek's auto insurance calculator to see how much you'll pay as an average driver. However, drivers looking for a more personalized quote need to reach out directly to providers and provide more detailed information. You can also use MoneyGeek’s price data to find out which company websites to visit.
  • On average, the cheapest car insurance companies in Oregon are GEICO and Progressive. You can start by getting personalized quotes from these companies.

Auto Insurance Calculator

State

Oregon

Age

30-65

Driving Record

Clean

Credit Score

Excellent

Vehicle Type

Compact

Vehicle Year

2020

Liability Coverage

State Min

Comprehensive and Collision Insurance

None

Gender

Female
Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

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on average

high end

Click your preferred price range to see company options.

Click an insurer below to visit their review page or continue to your personalized quote.

Company

Average Annual Rates

1.

USAA

$514

Cheapest Car Insurance for Drivers With a DUI in Oregon

Insurers in Oregon charge higher rates for drivers with severe driving violations, such as a DUI. These drivers are often also required to file an SR-22. The average cost of car insurance in Oregon if you have a DUI is $1,787 per year. That is $606 more than the average annual rate for those with clean driving records.

The cheapest car insurers for Oregon drivers with a DUI and full coverage are:

  • Progressive: $1,234 per year
  • State Farm: $1,251 per year

Although USAA and GEICO are the most affordable options for drivers with clean records, Progressive and State Farm offer lower rates for those with DUI.

Average Car Insurance Rates With a DUI

Driving Under the Influence (DUI) can cause significant consequences on your life and insurance. In Oregon, DUI offenders face fines varying from $1,000 to $6,000, as well as community service hours and their license suspended for a year. After that time, they are required to have a car interlock device to prevent driving intoxicated again.

According to the Centers for Disease Control and Prevention, a study found 1.7% of Oregonians reported driving after drinking too much in the last 30 days. From 2009-2018, 1,176 people in Oregon died in alcohol-related car accidents.

The above table outlines what drivers who get a DUI can expect to pay for auto insurance in Oregon.

A DUI on your driving record will impact your insurance rates immediately and over a long period of time. Preventing a DUI is important because your car insurance premiums could double overnight if you don't. You’ll want to work hard to clear your record, both your criminal record and DMV record, if you get a DUI. Oregon offers a DUI Diversion Program, which will dismiss the charge if several conditions are met.

Following the suspension of your license, your insurance company can cancel your coverage. When looking for new coverage, DUI offenders are usually placed in a high-risk pool and face higher premiums. To find cheap car insurance with a DUI in Oregon, it’s best to do a lot of comparison shopping.

If you are denied coverage by multiple companies, there are additional resources in Oregon. The Automobile Insurance Plan of Oregon provides car insurance to drivers who are unable to obtain coverage elsewhere.

Cheapest Car Insurance in Oregon for Drivers With an At-Fault Accident

If you are at fault in an accident in Oregon, your car insurance rates will almost certainly go up. Drivers deemed "at-fault" in an accident pay an average of $1,731 in insurance premiums each year in the state.

On average, the following two companies offer the cheapest auto insurance in Oregon for drivers who are at fault in an accident:

  • American Family: $1,411 per year
  • State Farm: $1,483 per year

Even though USAA's average quote of $1,193 per year is the lowest in the state, only current and former military personnel and their families qualify for the company's policies.

Cheapest Car Insurance With an At-Fault Accident

Cheapest Car Insurance for Drivers With Tickets in Oregon

Drivers who have driving violations in their records, like tickets, tend to have higher car insurance rates. In Oregon, the average rate for drivers with a speeding ticket is $1,541. That is higher than the average annual rate for drivers with a clean record, which is $1,181.

The cheapest car insurance companies in Oregon for drivers with a speeding ticket and full coverage:

  • State Farm: $1,251 per year
  • Country Financial: $1,337 per year

For military personnel and their families, USAA's average rate of $977 per year is the most affordable option for Oregon drivers with tickets.

Average Car Insurance Rates With a Ticket

Distracted driving led to a 7.2% increase in traffic deaths in 2015. In Oregon, 450 people died in distracted driving-related crashes in 2018, according to the National Highway Traffic Safety Administration. Our phones are the number one distraction in the car, so Oregon is working to crack down on distracted driving. The state made it illegal to use any handheld device while driving in 2017. The following year, there were 13,086 convictions for using a mobile electronic device.

Both distracted driving and speeding tickets lead insurers to consider offenders at a higher risk of getting in an accident. Getting either ticket type will likely increase your insurance premiums. How much so depends on several factors, including the rest of your driving record. The above table details estimates of what drivers in Oregon can expect to pay after they get a ticket.

Oregon does not use a point system on drivers’ records, but the state tracks moving violations, including speeding and distracted driving citations. Your insurer can view these violations and can adjust your rates accordingly. Depending on the infraction, the citation may appear for three to five years. To save on your premium, work to remove citations from your record. Oregon allows you to view your driving record and submit an inquiry for changes.

You can also work with insurers to find cheap car insurance rates with a ticket in Oregon. Some companies will lower your premium if you take a driving course. Reach out to your insurer and ask if this is an option for you.

Cheapest Car Insurance Companies in Oregon for Drivers With Bad Credit

Having a bad credit score results in higher car insurance rates in Oregon. The annual average cost for drivers with poor credit in the state is $1,927, while the average rate for drivers with healthy credit scores is $1,181 annually.

The cheapest car insurance companies for Oregon drivers with poor credit and full coverage are:

  • GEICO: $1,398 per year
  • Country Financial: $1,575 per year

If you qualify for USAA's coverage due to a military affiliation, its $1,283 average annual rate is the most affordable for Oregon drivers with bad credit.

Average Car Insurance Rates for Drivers With Bad Credit

When car insurance companies set premiums, they look at a number of risk factors, including your driving history. They also look at your credit history and tend to trust those with higher scores. A lower credit score can increase your costs. According to Experian, Oregon has one of the highest credit score ratings in the country at 718.

Consider the above estimates if you’re looking for auto insurance in Oregon and have a low credit score.

To protect consumers, Oregon placed limits on the impact credit scores can have on your insurance rates. First, insurers cannot use credit ratings to cancel policies or increase premiums at renewal, but they can use credit information for new policies. When doing so, the insurance companies cannot focus on your credit score alone and must tell you specific reasons why your rate is higher. This protection gives you a chance to review your credit history and make improvements.

Cheapest Car Insurance in Oregon for Seniors

Car insurance companies in Oregon usually charge senior drivers higher rates than young adults and middle-aged drivers. The average cost for senior drivers in the state is $1,235 per year. The average annual cost for the average 40 years old driver is $1,181.

The cheapest car insurance companies in Oregon for senior drivers with full coverage are:

  • MetLife: $920 per year
  • GEICO: $933 per year

For military personnel and their families, USAA has an average yearly premium of $867 for Oregon seniors.

Average Car Insurance Rates for Seniors

When looking for the cheapest car insurance companies for seniors in Oregon, it’s important to consider your strengths and weaknesses as a driver. The Oregon Department of Motor Vehicles warns seniors that age-related changes can affect their driving. Such changes include vision, cognition and motor function. According to 2017 data from the National Highway Traffic Safety Administration, 16.4% of fatal traffic accidents in Oregon involved a driver over the age of 65.

In Oregon, age restrictions begin at 50 years old. That’s when the state will begin testing your vision every time you renew your license. It will suspend your license if you have a mental or physical condition that makes it unsafe for you to drive. If you are healthy and a good driver, Oregon offers a chance to get discounted insurance for seniors. There are approved crash prevention courses to take to lower your insurance rates.

Consider the above table for estimates of what seniors in Oregon can expect to pay for their auto insurance.

With age comes experience, which is why some insurance companies offer discounts for seniors. Insurance rates for seniors can vary based on your driving history and the type of vehicle you have. When getting quotes from insurance providers, discuss how often you drive. Many seniors drive less than the average driver, which can lower insurance rates.

Cheapest Car Insurance in Oregon for Young Drivers

Young drivers, due to their lack of experience on the road, pay higher premiums in Oregon when purchasing their own policies. Luckily, as they age, their average costs tend to lower. In Oregon, a 16-year-old pays an annual average of $2,856 when buying their own insurance, while a 25-year-old driver pays an average rate of $1,285 each year.

Allstate is the cheapest auto insurance provider in Oregon for 16-year-old drivers. However, MoneyGeek found that GEICO was the most affordable provider on average for the majority of age groups in that range.

Annual Car Insurance In Oregon for Young Drivers

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  • Age
    Average Cost
    Cheapest Company
    Company Cost
  • $2,856
    Allstate
    $2,487
  • $2,686
    GEICO
    $2,052
  • $2,442
    GEICO
    $1,868
  • $2,704
    GEICO
    $2,186
  • $2,393
    GEICO
    $1,991
  • $1,870
    GEICO
    $1,524
  • $1,726
    GEICO
    $1,369
  • $1,522
    GEICO
    $1,184
  • $1,407
    GEICO
    $1,124
  • $1,285
    GEICO
    $1,101

Adding a teenage driver to your car insurance policy in Oregon can be expensive. Federal statistics show teens are almost three times more likely to have a fatal crash, so insurers charge more to cover them.

Your teen can also benefit from driver’s education. Taking a defensive driving course teaches good driving skills and may likely get a discount on an insurance premium.

Insurance Rate Information for Military Drivers and Veterans

More than 300,000 veterans and 1,500 active-duty military personnel live in Oregon. If you are a veteran or military service member, be sure to mention your service and ask if there are any discounts available. Many auto insurance companies offer discounted rates for veterans and military members.

For active-duty members, your insurance needs will reflect your current assignment. In many cases, you won’t need auto insurance when stationed overseas. You can ask your insurance provider about suspending it during deployment, but be clear about the reason. Oregon does not allow insurers to charge more after a lapse in coverage if it is for a legitimate reason, like deployment.

Average Rates for Oregon service members

male
25 years$1,475
50 years$1,136
female
25 years$1,419
50 years$1,144

Car Insurance in Oregon: What You Need to Know

Like most states, Oregon has minimum required insurance coverage for all drivers. If you want to register a vehicle, you must insure it. The only exceptions are antique vehicles and collector’s cars, as well as farm tractors and trailers and some other specialty vehicles.

Proof of Insurance in Oregon

You need to show proof of insurance anytime you are in the car, either on paper or on your smartphone. If you can't show proof of insurance when asked by a police officer, you may receive a citation.

Minimum Liability Insurance Requirements in Oregon

At a minimum, every vehicle on the road must have at least these insurance coverages:

  • $25,000 injury liability per person
  • $50,000 injury liability per accident
  • $20,000 property damage
  • $15,000 personal injury protection (PIP)
  • $25,000 uninsured motorist injury liability per person
  • $50,000 uninsured motorist injury liability per accident

These are just the minimums required by law. If you have significant assets, insurance experts recommend getting increased coverage.

Alternatives to Insurance in Oregon

The only option for legally driving in Oregon without auto insurance is a self-insurance policy, which involves a lot of paperwork. The first step you need to do is show proof of financial responsibility to the Department of Transportation. If you use the self-insurance option, you’ll likely have to pay more than $20,000 to cover damages in an accident.

High-Risk Auto Insurance Program in Oregon

If multiple companies deny you coverage, there are additional resources in Oregon. The Oregon Automobile Insurance Plan provides car insurance to drivers who are unable to obtain coverage elsewhere.

How Much Coverage Do You Need in Oregon?

According to the Insurance Information Institute, insurance experts and consumer advocates recommend carrying liability coverage of $100,000 per person and $300,000 per accident.

Depending on the value of your car and your assets, you may want to consider additional types of insurance. If you have a relatively new vehicle, you may want to purchase collision insurance (which covers damage to your car in the event of a collision) and comprehensive insurance (which covers damage due to fire, theft or natural disaster).

On the other hand, if your car is worth less than your deductible and a couple of years' worth of premiums, collision and comprehensive insurance may not be worth it.

Cheapest Car Insurance in Oregon by City

The cost of your auto insurance in Oregon primarily depends on your location within the state. Eugene's full coverage car insurance rate of about $847 per year is the lowest in Oregon, on average. The average yearly premium for car insurance in Salem is $1,041, making it the most expensive area for car insurance.

Click on your city to learn more about the cost of auto insurance in your area.

Average Insurance Rate by City in Oregon

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FAQs About Car Insurance in Oregon

The most common questions Oregon drivers have about car insurance center around the cost of premiums and how much coverage to buy.

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About the Author


expert-profile

Danielle is a professional journalist with fifteen years of experience covering current events from the 2008 financial crisis to the COVID-19 global economic recession. As a former TV news producer, she focuses on sharing relevant and factual stories that stimulate personal growth and knowledge.

Danielle graduated from the acclaimed University of Missouri School of Journalism with a focus in Broadcast Journalism.

With six out-of-state moves and three home purchases under her belt, she has first-hand experience navigating state regulations, insurance and real estate. She currently lives in Colorado with her husband and a greyhound named Oreo.


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