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Country Financial offers the cheapest overall car insurance in Oregon. MoneyGeek's analysis also shows that American Family provides the cheapest auto insurance to certain types of drivers.

If you want an insurer that combines quality service with affordability, we analyzed the best car insurance companies in Oregon to help you identify an ideal option.

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2023

Table of Contents

Cheapest Minimum Liability Car Insurance in Oregon (June 2023)

Based on our findings, the cheapest auto insurance carriers in Oregon for a policy that only meets the minimum state requirements are:

  • Country Financial: $402 per year
  • Progressive: $522 per year

Dairyland has the priciest minimum auto insurance coverage in Oregon, costing an average of $2,025 per year.

Oregon’s minimum car insurance includes coverage for property damage, bodily injury, personal injury protection and uninsured/underinsured motorist coverage.

Company
Annual Premium
Monthly Premium

Country Financial

$402

$33

Country Financial

$405

$34

Progressive

$504

$42

Country Financial

$518

$43

Progressive

$522

$44

Progressive

$544

$45

Travelers

$547

$46

GEICO

$549

$46

Travelers

$572

$48

GEICO

$583

$49

Travelers

$607

$51

American Family

$635

$53

American Family

$636

$53

Kemper

$640

$53

Kemper

$664

$55

GEICO

$693

$58

American Family

$704

$59

Kemper

$716

$60

Country Financial

$815

$68

State Farm

$828

$69

Country Financial

$862

$72

State Farm

$876

$73

American Family

$885

$74

American Family

$921

$77

State Farm

$945

$79

Travelers

$985

$82

Travelers

$990

$82

Capital Insurance Group

$1,006

$84

American Family

$1,010

$84

Progressive

$1,025

$85

GEICO

$1,036

$86

Progressive

$1,061

$88

Country Financial

$1,085

$90

Capital Insurance Group

$1,093

$91

Travelers

$1,145

$95

GEICO

$1,159

$97

Kemper

$1,188

$99

Nationwide

$1,227

$102

Progressive

$1,241

$103

Kemper

$1,250

$104

Nationwide

$1,274

$106

Kemper

$1,281

$107

Farmers

$1,304

$109

Capital Insurance Group

$1,318

$110

GEICO

$1,405

$117

Farmers

$1,528

$127

Farmers

$1,537

$128

Nationwide

$1,566

$131

State Farm

$1,630

$136

State Farm

$1,753

$146

Nationwide

$1,826

$152

Dairyland

$1,894

$158

Nationwide

$1,963

$164

Allstate

$1,971

$164

Allstate

$1,979

$165

Dairyland

$2,025

$169

State Farm

$2,030

$169

Allstate

$2,134

$178

Dairyland

$2,141

$178

Capital Insurance Group

$2,181

$182

Farmers

$2,327

$194

Nationwide

$2,389

$199

Capital Insurance Group

$2,436

$203

Farmers

$2,609

$217

Farmers

$2,804

$234

Dairyland

$2,913

$243

Dairyland

$3,123

$260

Allstate

$3,290

$274

Capital Insurance Group

$3,315

$276

Dairyland

$3,365

$280

Allstate

$3,473

$289

Allstate

$3,495

$291

Although minimum coverage car insurance is the most affordable, it does not cover the costs incurred to repair your car. For added protection, opt for a full coverage policy, also known as comprehensive coverage.

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Cheapest Full Coverage Car Insurance in Oregon (June 2023)

According to MoneyGeek’s review, the companies with the cheapest full coverage car insurance rates in Oregon are:

  • Country Financial: $862 per year
  • American Family: $921 per year

At about $3,290 per year on average, Allstate is the state’s most expensive full coverage car insurance provider.

Full coverage policies are significantly more expensive than those offering minimum coverage. Full coverage from Country Financial, for instance, costs more than double the amount for minimum coverage.

However, full coverage auto insurance comes with higher limits and provides better protection after an accident. Aside from damage caused by on-road accidents, you also get protection from vandalism, theft and other off-road incidents.

Company
Annual Premium
Monthly Premium

Country Financial

$402

$33

Country Financial

$405

$34

Progressive

$504

$42

Country Financial

$518

$43

Progressive

$522

$44

Progressive

$544

$45

Travelers

$547

$46

GEICO

$549

$46

Travelers

$572

$48

GEICO

$583

$49

Travelers

$607

$51

American Family

$635

$53

American Family

$636

$53

Kemper

$640

$53

Kemper

$664

$55

GEICO

$693

$58

American Family

$704

$59

Kemper

$716

$60

Country Financial

$815

$68

State Farm

$828

$69

Country Financial

$862

$72

State Farm

$876

$73

American Family

$885

$74

American Family

$921

$77

State Farm

$945

$79

Travelers

$985

$82

Travelers

$990

$82

Capital Insurance Group

$1,006

$84

American Family

$1,010

$84

Progressive

$1,025

$85

GEICO

$1,036

$86

Progressive

$1,061

$88

Country Financial

$1,085

$90

Capital Insurance Group

$1,093

$91

Travelers

$1,145

$95

GEICO

$1,159

$97

Kemper

$1,188

$99

Nationwide

$1,227

$102

Progressive

$1,241

$103

Kemper

$1,250

$104

Nationwide

$1,274

$106

Kemper

$1,281

$107

Farmers

$1,304

$109

Capital Insurance Group

$1,318

$110

GEICO

$1,405

$117

Farmers

$1,528

$127

Farmers

$1,537

$128

Nationwide

$1,566

$131

State Farm

$1,630

$136

State Farm

$1,753

$146

Nationwide

$1,826

$152

Dairyland

$1,894

$158

Nationwide

$1,963

$164

Allstate

$1,971

$164

Allstate

$1,979

$165

Dairyland

$2,025

$169

State Farm

$2,030

$169

Allstate

$2,134

$178

Dairyland

$2,141

$178

Capital Insurance Group

$2,181

$182

Farmers

$2,327

$194

Nationwide

$2,389

$199

Capital Insurance Group

$2,436

$203

Farmers

$2,609

$217

Farmers

$2,804

$234

Dairyland

$2,913

$243

Dairyland

$3,123

$260

Allstate

$3,290

$274

Capital Insurance Group

$3,315

$276

Dairyland

$3,365

$280

Allstate

$3,473

$289

Allstate

$3,495

$291

The amount of car insurance you need will impact your rate significantly. Our sample full coverage policy has liability protection with the following limits:

  • $100,000 in bodily injury liability per person
  • $300,000 in bodily injury liability per accident
  • $100,000 in property damage liability per accident

To save on your premiums, select a policy with lower limits, such as the minimum coverage option, or get one with higher deductibles. Note that a lower limit may put you at risk of inadequate coverage if you are involved in an accident.

How to Compare Cheap Oregon Car Insurance Quotes Online

Most auto insurance providers allow you to request a quote through their websites, which can take up to 15 minutes. Obtaining quotes across several companies to secure the best rates can be time-consuming, as you must provide your personal information on each platform.

You can save time using our car insurance calculator, which facilitates quicker comparisons across multiple parameters that suit your profile. As a starting point, you can provide your gender, age and driving history below to estimate your premiums for most Oregon insurers.

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Cheapest Car Insurance in Oregon by Age (June 2023)

Age is one of the biggest factors affecting car insurance rates in Oregon. MoneyGeek found that Nationwide, American Family and Country Financial offer the cheapest options on average, depending on what age group you and your family belong to.

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CHEAPEST CAR INSURANCE COMPANIES BY AGE

Cheapest for teens: Nationwide
Cheapest for young adults: American Family
Cheapest for seniors: Country Financial

Cheapest Car Insurance in Oregon for Teens and Their Families (June 2023)

Insurers offering the cheapest car insurance in Oregon for teens and their families include:

  • Nationwide: $1,573 per year for male teens and $1,464 per year for female teens
  • Allstate: $1,894 per year for male teens; State Farm: $1,605 for female teens

Capital Insurance Group is the most expensive insurer for adding teens to their parents' policies, costing $3,135 for policies with male teens and $3,276 for female teens.

In Oregon and the rest of the U.S., car insurance rates for teens decrease as they age, giving the most senior teen drivers the lowest premiums. Oregon's most affordable insurer for 19-year-old males is Nationwide ($1,374 per year).

The sample profile used in this category is for a 16-year-old on a policy with full coverage. Adding a teen driver to your policy is typically less costly than purchasing separate coverage for them. For instance, a 16-year-old pays an average of $5,795 for an individual policy. The same coverage will cost $2,468 on a family policy, giving parents around $3,327 in savings per year.

Company
Family Plan Annual Premium
Individual Plan Annual Premium

State Farm

$699

$769

Nationwide

$719

$1,502

Nationwide

$721

$1,408

Nationwide

$765

$1,032

Nationwide

$766

$996

State Farm

$779

$857

State Farm

$779

$857

Travelers

$816

$1,081

Travelers

$822

$1,109

Kemper

$830

$1,178

State Farm

$854

$940

Nationwide

$864

$1,123

Nationwide

$877

$1,183

State Farm

$881

$970

Nationwide

$911

$1,184

State Farm

$918

$1,150

Nationwide

$925

$1,248

Travelers

$944

$1,250

State Farm

$959

$1,055

Travelers

$967

$1,305

Travelers

$975

$1,290

State Farm

$986

$1,085

Kemper

$1,009

$1,273

Travelers

$1,010

$1,511

Nationwide

$1,011

$1,313

Kemper

$1,016

$1,812

Nationwide

$1,033

$1,392

Travelers

$1,042

$1,406

Travelers

$1,043

$1,381

Allstate

$1,051

$1,940

Allstate

$1,056

$1,413

State Farm

$1,061

$1,329

Nationwide

$1,061

$2,073

Farmers

$1,074

$1,438

Nationwide

$1,078

$2,251

State Farm

$1,108

$1,382

Allstate

$1,111

$1,371

State Farm

$1,125

$1,238

GEICO

$1,134

$2,704

Farmers

$1,137

$1,552

Travelers

$1,141

$1,740

Travelers

$1,156

$1,560

GEICO

$1,159

$2,873

Progressive

$1,160

$1,201

Allstate

$1,177

$2,073

Allstate

$1,179

$1,577

Kemper

$1,181

$2,129

Travelers

$1,197

$1,789

State Farm

$1,203

$1,507

State Farm

$1,217

$1,733

Travelers

$1,254

$2,620

Allstate

$1,259

$4,788

Allstate

$1,281

$1,713

Progressive

$1,289

$1,261

Allstate

$1,290

$1,592

Nationwide

$1,296

$2,531

Allstate

$1,296

$2,390

State Farm

$1,309

$1,632

Nationwide

$1,317

$2,971

Progressive

$1,344

$1,945

Nationwide

$1,374

$2,869

GEICO

$1,378

$3,284

Travelers

$1,381

$2,106

Travelers

$1,395

$2,085

Progressive

$1,396

$1,446

State Farm

$1,398

$1,990

Allstate

$1,403

$1,731

Nationwide

$1,405

$3,171

Nationwide

$1,414

$3,338

Progressive

$1,416

$2,114

Allstate

$1,419

$1,897

GEICO

$1,430

$1,061

Kemper

$1,437

$1,812

Kemper

$1,437

$1,812

Kemper

$1,437

$1,812

GEICO

$1,453

$1,078

Progressive

$1,461

$1,429

Nationwide

$1,464

$3,303

GEICO

$1,477

$1,294

GEICO

$1,483

$1,745

GEICO

$1,489

$1,483

Travelers

$1,497

$3,208

Kemper

$1,501

$2,129

Kemper

$1,501

$2,129

Kemper

$1,501

$2,129

State Farm

$1,509

$1,882

Nationwide

$1,510

$3,564

GEICO

$1,513

$1,326

Allstate

$1,517

$1,871

GEICO

$1,536

$1,140

State Farm

$1,542

$2,170

Allstate

$1,548

$2,854

Progressive

$1,549

$1,603

Allstate

$1,564

$2,755

Travelers

$1,565

$3,271

GEICO

$1,565

$3,880

Nationwide

$1,573

$3,713

GEICO

$1,583

$1,386

Progressive

$1,589

$1,554

Allstate

$1,592

$6,055

Allstate

$1,603

$5,187

State Farm

$1,605

$2,283

Capital Insurance Group

$1,612

$1,584

Travelers

$1,648

$2,512

Progressive

$1,656

$2,397

Kemper

$1,662

$2,969

Kemper

$1,662

$2,969

Capital Insurance Group

$1,686

$1,657

Allstate

$1,691

$2,978

Kemper

$1,693

$3,001

Capital Insurance Group

$1,700

$1,670

Capital Insurance Group

$1,773

$1,742

Kemper

$1,778

$3,236

Kemper

$1,778

$3,236

State Farm

$1,779

$2,503

Progressive

$1,779

$1,842

GEICO

$1,793

$1,570

Allstate

$1,806

$6,867

GEICO

$1,807

$1,341

Progressive

$1,809

$5,757

Progressive

$1,812

$2,705

Progressive

$1,829

$2,646

Farmers

$1,841

$6,217

Progressive

$1,843

$1,802

Capital Insurance Group

$1,848

$1,815

Capital Insurance Group

$1,863

$2,542

Allstate

$1,894

$6,128

Travelers

$1,904

$4,079

GEICO

$1,912

$2,248

Farmers

$1,920

$6,543

Kemper

$1,931

$3,250

Capital Insurance Group

$1,932

$1,899

Capital Insurance Group

$1,946

$1,912

Capital Insurance Group

$1,948

$2,661

Kemper

$1,950

$3,509

Farmers

$1,953

$1,282

Farmers

$1,963

$1,338

GEICO

$1,966

$1,957

Kemper

$1,973

$3,551

Progressive

$1,974

$6,358

Farmers

$1,978

$1,298

Farmers

$1,992

$1,358

Progressive

$1,995

$2,977

Farmers

$1,999

$1,312

Farmers

$2,015

$2,696

Allstate

$2,016

$6,522

Farmers

$2,018

$1,376

Capital Insurance Group

$2,031

$1,996

Kemper

$2,034

$3,443

State Farm

$2,039

$2,869

Farmers

$2,039

$6,884

Capital Insurance Group

$2,040

$2,004

Kemper

$2,051

$3,472

Farmers

$2,083

$2,843

Farmers

$2,091

$1,372

GEICO

$2,097

$2,465

Travelers

$2,100

$4,387

Capital Insurance Group

$2,122

$2,085

Farmers

$2,140

$7,291

Capital Insurance Group

$2,141

$2,103

Progressive

$2,146

$6,826

GEICO

$2,153

$2,143

Farmers

$2,176

$1,483

Farmers

$2,177

$2,914

Capital Insurance Group

$2,195

$2,996

Capital Insurance Group

$2,225

$2,186

Farmers

$2,236

$3,053

Capital Insurance Group

$2,296

$3,136

Progressive

$2,304

$7,421

Capital Insurance Group

$2,375

$2,333

Capital Insurance Group

$2,490

$2,446

Progressive

$2,523

$8,028

Travelers

$2,616

$5,604

Progressive

$2,696

$8,687

Farmers

$2,725

$9,201

Farmers

$2,854

$9,723

GEICO

$2,914

$7,220

GEICO

$3,051

$7,269

Capital Insurance Group

$3,437

$4,690

Capital Insurance Group

$3,592

$4,907

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MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond.

Some insurance companies, including the top insurers in Oregon, offer teen and student driver discounts to allow parents to save on premiums. Nationwide provides a good student discount. Allstate and State Farm offer distant student and good student discounts.

Cheapest Car Insurance in Oregon for Young Adults (June 2023)

For drivers in their 20s, the most affordable car insurance providers in Oregon are:

  • American Family: $1,010 per year
  • Country Financial: $1,085 per year

Allstate policies have the highest average premium for young adult drivers, costing $3,495 per year.

The cheapest policy for young drivers is typically more costly than for middle-aged drivers, with a difference of $89 in Oregon.

Company
Annual Premium
Monthly Premium

Country Financial

$402

$33

Country Financial

$405

$34

Progressive

$504

$42

Country Financial

$518

$43

Progressive

$522

$44

Progressive

$544

$45

Travelers

$547

$46

GEICO

$549

$46

Travelers

$572

$48

GEICO

$583

$49

Travelers

$607

$51

American Family

$635

$53

American Family

$636

$53

Kemper

$640

$53

Kemper

$664

$55

GEICO

$693

$58

American Family

$704

$59

Kemper

$716

$60

Country Financial

$815

$68

State Farm

$828

$69

Country Financial

$862

$72

State Farm

$876

$73

American Family

$885

$74

American Family

$921

$77

State Farm

$945

$79

Travelers

$985

$82

Travelers

$990

$82

Capital Insurance Group

$1,006

$84

American Family

$1,010

$84

Progressive

$1,025

$85

GEICO

$1,036

$86

Progressive

$1,061

$88

Country Financial

$1,085

$90

Capital Insurance Group

$1,093

$91

Travelers

$1,145

$95

GEICO

$1,159

$97

Kemper

$1,188

$99

Nationwide

$1,227

$102

Progressive

$1,241

$103

Kemper

$1,250

$104

Nationwide

$1,274

$106

Kemper

$1,281

$107

Farmers

$1,304

$109

Capital Insurance Group

$1,318

$110

GEICO

$1,405

$117

Farmers

$1,528

$127

Farmers

$1,537

$128

Nationwide

$1,566

$131

State Farm

$1,630

$136

State Farm

$1,753

$146

Nationwide

$1,826

$152

Dairyland

$1,894

$158

Nationwide

$1,963

$164

Allstate

$1,971

$164

Allstate

$1,979

$165

Dairyland

$2,025

$169

State Farm

$2,030

$169

Allstate

$2,134

$178

Dairyland

$2,141

$178

Capital Insurance Group

$2,181

$182

Farmers

$2,327

$194

Nationwide

$2,389

$199

Capital Insurance Group

$2,436

$203

Farmers

$2,609

$217

Farmers

$2,804

$234

Dairyland

$2,913

$243

Dairyland

$3,123

$260

Allstate

$3,290

$274

Capital Insurance Group

$3,315

$276

Dairyland

$3,365

$280

Allstate

$3,473

$289

Allstate

$3,495

$291

Cheapest Car Insurance in Oregon for Seniors (June 2023)

Senior drivers can purchase the cheapest car insurance in Oregon from the following companies:

  • Country Financial: $815 per year
  • American Family: $885 per year

The highest premium comes from Allstate at about $3,473 per year on average. Oregon residents in their 60s tend to pay lower rates for car insurance than middle-aged drivers. The cheapest insurer charges senior drivers about $47 less per year. Note that premiums are higher for drivers in their 70s and 80s because they are more likely to file a claim.

Company
Annual Premium
Monthly Premium

Country Financial

$402

$33

Country Financial

$405

$34

Progressive

$504

$42

Country Financial

$518

$43

Progressive

$522

$44

Progressive

$544

$45

Travelers

$547

$46

GEICO

$549

$46

Travelers

$572

$48

GEICO

$583

$49

Travelers

$607

$51

American Family

$635

$53

American Family

$636

$53

Kemper

$640

$53

Kemper

$664

$55

GEICO

$693

$58

American Family

$704

$59

Kemper

$716

$60

Country Financial

$815

$68

State Farm

$828

$69

Country Financial

$862

$72

State Farm

$876

$73

American Family

$885

$74

American Family

$921

$77

State Farm

$945

$79

Travelers

$985

$82

Travelers

$990

$82

Capital Insurance Group

$1,006

$84

American Family

$1,010

$84

Progressive

$1,025

$85

GEICO

$1,036

$86

Progressive

$1,061

$88

Country Financial

$1,085

$90

Capital Insurance Group

$1,093

$91

Travelers

$1,145

$95

GEICO

$1,159

$97

Kemper

$1,188

$99

Nationwide

$1,227

$102

Progressive

$1,241

$103

Kemper

$1,250

$104

Nationwide

$1,274

$106

Kemper

$1,281

$107

Farmers

$1,304

$109

Capital Insurance Group

$1,318

$110

GEICO

$1,405

$117

Farmers

$1,528

$127

Farmers

$1,537

$128

Nationwide

$1,566

$131

State Farm

$1,630

$136

State Farm

$1,753

$146

Nationwide

$1,826

$152

Dairyland

$1,894

$158

Nationwide

$1,963

$164

Allstate

$1,971

$164

Allstate

$1,979

$165

Dairyland

$2,025

$169

State Farm

$2,030

$169

Allstate

$2,134

$178

Dairyland

$2,141

$178

Capital Insurance Group

$2,181

$182

Farmers

$2,327

$194

Nationwide

$2,389

$199

Capital Insurance Group

$2,436

$203

Farmers

$2,609

$217

Farmers

$2,804

$234

Dairyland

$2,913

$243

Dairyland

$3,123

$260

Allstate

$3,290

$274

Capital Insurance Group

$3,315

$276

Dairyland

$3,365

$280

Allstate

$3,473

$289

Allstate

$3,495

$291

State Farm, Nationwide, GEICO and most insurers feature discounts for senior drivers, including safe and defensive driving discounts. Insurers consider other factors besides age while computing your rates. Comparing multiple quotes is a sure way of obtaining the best coverage for your needs.

Cheapest Car Insurance for Higher Risk Drivers (June 2023)

If you have a traffic violation on your record, such as a DUI, speeding ticket or an at-fault accident, Oregon’s most affordable auto insurance provider is American Family.

Generally, having a violation increases your rates considerably. To lower your premiums, take a safe driving course and regularly review your driving record for errors. Work to improve your profile over time so you can access cheaper insurance options.

CHEAPEST CAR INSURANCE COMPANIES FOR HIGHER RISK DRIVERS

Cheapest after a ticket: American Family ($1,094 per year)
Cheapest after an accident: American Family ($1,135 per year)
Cheapest after a DUI: American Family ($1,094 per year)
Cheapest for poor credit: Country Financial ($1,354 per year)
Cheapest for sports cars: American Family ($875 per year)

Cheapest Car Insurance in Oregon After a Ticket

If you have a speeding ticket, the following companies will offer the most affordable full coverage car insurance in Oregon:

  • American Family: $1,094 per year
  • Country Financial: $1,105 per year

Allstate is the most expensive company, charging an average of $3,823 per year. You will pay about $417 more annually in Oregon for full coverage car insurance after a speeding ticket.

Company
Annual Premium
Monthly Premium

Country Financial

$527

$44

Country Financial

$530

$44

Progressive

$635

$53

Progressive

$678

$56

Progressive

$683

$57

Country Financial

$686

$57

Travelers

$743

$62

American Family

$750

$63

American Family

$751

$63

Travelers

$759

$63

Kemper

$799

$67

Travelers

$806

$67

GEICO

$813

$68

Kemper

$824

$69

American Family

$837

$70

Kemper

$893

$74

GEICO

$900

$75

State Farm

$937

$78

GEICO

$943

$79

State Farm

$992

$83

Country Financial

$1,045

$87

American Family

$1,050

$88

State Farm

$1,070

$89

American Family

$1,094

$91

Country Financial

$1,105

$92

Capital Insurance Group

$1,113

$93

American Family

$1,205

$100

Capital Insurance Group

$1,217

$101

Travelers

$1,363

$114

Progressive

$1,405

$117

Country Financial

$1,408

$117

Travelers

$1,422

$119

Progressive

$1,440

$120

Travelers

$1,452

$121

Kemper

$1,478

$123

Capital Insurance Group

$1,498

$125

Nationwide

$1,553

$129

Kemper

$1,559

$130

Progressive

$1,596

$133

Kemper

$1,601

$133

Nationwide

$1,605

$134

Farmers

$1,663

$139

GEICO

$1,699

$142

State Farm

$1,817

$151

Farmers

$1,823

$152

Nationwide

$1,877

$156

GEICO

$1,883

$157

GEICO

$1,932

$161

State Farm

$1,953

$163

Farmers

$1,994

$166

Allstate

$2,210

$184

Allstate

$2,222

$185

State Farm

$2,268

$189

Nationwide

$2,280

$190

Dairyland

$2,309

$192

Dairyland

$2,326

$194

Dairyland

$2,385

$199

Allstate

$2,405

$200

Nationwide

$2,460

$205

Capital Insurance Group

$2,590

$216

Capital Insurance Group

$2,887

$241

Nationwide

$2,905

$242

Farmers

$3,122

$260

Farmers

$3,426

$286

Farmers

$3,440

$287

Dairyland

$3,556

$296

Dairyland

$3,595

$300

Dairyland

$3,680

$307

Allstate

$3,823

$319

Allstate

$4,050

$337

Capital Insurance Group

$4,065

$339

Allstate

$4,065

$339

Cheapest Car Insurance in Oregon After an Accident

An at-fault accident can increase your auto insurance premium significantly, and the lowest average rates in Oregon come from the following companies:

  • American Family: $1,135 per year
  • Country Financial: $1,209 per year

Allstate has the highest average car insurance rate for drivers with an at-fault accident, charging $4,721 per year. Based on our analysis, the average premium for the cheapest full coverage policy can increase by $697 annually due to an at-fault accident.

Company
Annual Premium
Monthly Premium

Country Financial

$599

$50

Country Financial

$627

$52

Country Financial

$767

$64

American Family

$770

$64

American Family

$770

$64

Travelers

$781

$65

Travelers

$799

$67

Progressive

$833

$69

Travelers

$851

$71

American Family

$856

$71

Progressive

$891

$74

Kemper

$893

$74

Progressive

$904

$75

Kemper

$930

$78

GEICO

$1,004

$84

Kemper

$1,013

$84

American Family

$1,092

$91

State Farm

$1,104

$92

GEICO

$1,120

$93

American Family

$1,135

$95

State Farm

$1,171

$98

Country Financial

$1,185

$99

GEICO

$1,195

$100

Capital Insurance Group

$1,206

$100

Country Financial

$1,209

$101

American Family

$1,253

$104

State Farm

$1,264

$105

Capital Insurance Group

$1,323

$110

Travelers

$1,421

$118

Travelers

$1,487

$124

Travelers

$1,513

$126

Country Financial

$1,535

$128

Nationwide

$1,578

$132

Nationwide

$1,639

$137

Kemper

$1,642

$137

Capital Insurance Group

$1,680

$140

Kemper

$1,719

$143

Kemper

$1,788

$149

Progressive

$1,814

$151

Progressive

$1,885

$157

Farmers

$1,943

$162

Nationwide

$1,991

$166

Progressive

$2,038

$170

GEICO

$2,062

$172

State Farm

$2,107

$176

Farmers

$2,113

$176

State Farm

$2,264

$189

GEICO

$2,286

$191

Nationwide

$2,301

$192

Farmers

$2,312

$193

GEICO

$2,374

$198

Dairyland

$2,391

$199

Dairyland

$2,492

$208

Nationwide

$2,515

$210

Dairyland

$2,574

$215

State Farm

$2,638

$220

Allstate

$2,705

$225

Allstate

$2,726

$227

Capital Insurance Group

$2,820

$235

Allstate

$2,976

$248

Nationwide

$3,091

$258

Capital Insurance Group

$3,146

$262

Farmers

$3,519

$293

Dairyland

$3,715

$310

Farmers

$3,846

$320

Dairyland

$3,854

$321

Farmers

$3,891

$324

Dairyland

$3,988

$332

Capital Insurance Group

$4,501

$375

Allstate

$4,721

$393

Allstate

$5,019

$418

Allstate

$5,035

$420

Cheapest Car Insurance in Oregon After a DUI

The following carriers offer the lowest full coverage auto insurance rates in Oregon if you have a DUI:

  • American Family: $1,094 per year
  • Progressive: $1,240 per year

The company with the most expensive car insurance for this violation is Allstate, costing about $4,231 per year. On average, a DUI increases your annual rates by $800.

Company
Annual Premium
Monthly Premium

Progressive

$580

$48

Progressive

$615

$51

Country Financial

$618

$51

Country Financial

$621

$52

Progressive

$629

$52

American Family

$750

$63

American Family

$751

$63

Country Financial

$811

$68

American Family

$837

$70

Travelers

$880

$73

Travelers

$899

$75

State Farm

$937

$78

Travelers

$956

$80

State Farm

$992

$83

American Family

$1,050

$88

State Farm

$1,070

$89

American Family

$1,094

$91

Country Financial

$1,193

$99

American Family

$1,205

$100

Progressive

$1,240

$103

Country Financial

$1,256

$105

Progressive

$1,260

$105

GEICO

$1,324

$110

GEICO

$1,334

$111

Capital Insurance Group

$1,396

$116

Progressive

$1,428

$119

Kemper

$1,474

$123

Kemper

$1,535

$128

Capital Insurance Group

$1,544

$129

Travelers

$1,588

$132

Country Financial

$1,622

$135

GEICO

$1,630

$136

Travelers

$1,663

$139

Kemper

$1,669

$139

Travelers

$1,689

$141

State Farm

$1,817

$151

Farmers

$1,874

$156

State Farm

$1,953

$163

Capital Insurance Group

$1,955

$163

Dairyland

$2,031

$169

Farmers

$2,038

$170

Dairyland

$2,103

$175

Farmers

$2,256

$188

State Farm

$2,268

$189

Dairyland

$2,286

$191

Nationwide

$2,340

$195

Allstate

$2,398

$200

Nationwide

$2,402

$200

Allstate

$2,405

$200

Allstate

$2,619

$218

GEICO

$2,647

$221

GEICO

$2,730

$227

Kemper

$2,736

$228

Nationwide

$2,753

$229

Kemper

$2,864

$239

Kemper

$2,965

$247

Capital Insurance Group

$3,120

$260

GEICO

$3,154

$263

Dairyland

$3,169

$264

Dairyland

$3,286

$274

Farmers

$3,395

$283

Capital Insurance Group

$3,487

$291

Dairyland

$3,517

$293

Nationwide

$3,541

$295

Farmers

$3,717

$310

Nationwide

$3,754

$313

Farmers

$3,772

$314

Allstate

$4,231

$353

Nationwide

$4,330

$361

Allstate

$4,506

$376

Allstate

$4,517

$376

Capital Insurance Group

$4,986

$416

Cheapest Car Insurance in Oregon for Drivers With Poor Credit (June 2023)

In Oregon, the most affordable auto insurance companies if you have a bad credit score are:

  • Country Financial: $1,354 per year
  • Progressive: $1,632 per year

Allstate charges the highest premium for those with poor credit at $5,258 per year.

Typically, a credit score above 750 will get you better rates. In Oregon, drivers with poor credit pay approximately $1,081 more per year for car insurance than drivers with good credit scores.

Company
Annual Premium
Monthly Premium

Country Financial

$1,738

$145

American Family

$1,819

$152

Travelers

$1,830

$152

Progressive

$1,893

$158

Kemper

$1,909

$159

GEICO

$2,104

$175

Nationwide

$3,497

$291

Farmers

$4,562

$380

Capital Insurance Group

$4,566

$380

Dairyland

$4,572

$381

State Farm

$4,951

$413

Allstate

$5,569

$464

Progressive

$743

$62

Country Financial

$934

$78

Kemper

$986

$82

GEICO

$1,010

$84

Travelers

$1,042

$87

American Family

$1,282

$107

Capital Insurance Group

$1,902

$158

Nationwide

$2,296

$191

State Farm

$2,311

$193

Farmers

$2,395

$200

Dairyland

$2,892

$241

Allstate

$2,975

$248

Country Financial

$1,354

$113

Progressive

$1,632

$136

Travelers

$1,640

$137

American Family

$1,656

$138

GEICO

$1,837

$153

Kemper

$1,840

$153

Nationwide

$2,923

$244

Capital Insurance Group

$3,404

$284

Farmers

$4,099

$342

Dairyland

$4,138

$345

State Farm

$4,264

$355

Allstate

$5,258

$438

Progressive

$691

$58

Country Financial

$721

$60

GEICO

$888

$74

Travelers

$984

$82

Kemper

$1,045

$87

American Family

$1,156

$96

Capital Insurance Group

$1,594

$133

Nationwide

$1,947

$162

State Farm

$2,143

$179

Farmers

$2,188

$182

Dairyland

$2,661

$222

Allstate

$3,014

$251

Country Financial

$1,297

$108

GEICO

$1,537

$128

Progressive

$1,557

$130

American Family

$1,598

$133

Travelers

$1,605

$134

Kemper

$1,970

$164

Nationwide

$2,710

$226

Capital Insurance Group

$3,051

$254

State Farm

$3,958

$330

Dairyland

$3,975

$331

Farmers

$4,373

$364

Allstate

$5,545

$462

Progressive

$689

$57

Country Financial

$730

$61

GEICO

$786

$66

Travelers

$967

$81

Kemper

$1,114

$93

American Family

$1,156

$96

Capital Insurance Group

$1,476

$123

Nationwide

$1,881

$157

State Farm

$2,023

$169

Farmers

$2,500

$208

Dairyland

$2,563

$214

Allstate

$3,263

$272

Insurance companies quote higher car insurance premiums if you have poor credit because you are more likely to file a claim. Utilizing your creditworthiness to determine how much you should pay for insurance is a legal guideline in most states, including Oregon.

Although you can improve your credit score and lower your auto insurance premiums over time, a short-term solution is comparing providers and choosing the best rate for your needs. Some lenders also offer discounts that can lower your costs significantly.

Cheapest Car Insurance in Oregon for Sports Cars (June 2023)

The cheapest auto insurance providers in Oregon if you drive a sports car are:

  • American Family: $875 per year
  • Travelers: $899 per year

Policies from Allstate are the most expensive for sports car insurance at $3,207 per year on average.

Sports cars cost more to repair and replace than ordinary cars. This usually translates to higher insurance costs. In Oregon, drivers pay an average of $60 more for insurance if they have a sports car over a Toyota Camry LE.

Company
Annual Premium
Monthly Premium

Country Financial

$402

$33

Country Financial

$405

$34

Progressive

$504

$42

Country Financial

$518

$43

Progressive

$522

$44

Progressive

$544

$45

Travelers

$547

$46

GEICO

$549

$46

Travelers

$572

$48

GEICO

$583

$49

Travelers

$607

$51

American Family

$635

$53

American Family

$636

$53

Kemper

$640

$53

Kemper

$664

$55

GEICO

$693

$58

American Family

$704

$59

Kemper

$716

$60

State Farm

$828

$69

American Family

$844

$70

American Family

$875

$73

State Farm

$876

$73

Travelers

$880

$73

Travelers

$899

$75

State Farm

$945

$79

American Family

$960

$80

Capital Insurance Group

$1,006

$84

Travelers

$1,036

$86

Progressive

$1,085

$90

Capital Insurance Group

$1,093

$91

GEICO

$1,111

$93

Nationwide

$1,227

$102

Kemper

$1,230

$102

Progressive

$1,250

$104

Nationwide

$1,274

$106

Farmers

$1,304

$109

Capital Insurance Group

$1,318

$110

Kemper

$1,322

$110

Kemper

$1,333

$111

GEICO

$1,377

$115

Progressive

$1,524

$127

Farmers

$1,528

$127

Farmers

$1,537

$128

Nationwide

$1,566

$131

GEICO

$1,583

$132

State Farm

$1,804

$150

Capital Insurance Group

$1,877

$156

Dairyland

$1,894

$158

State Farm

$1,949

$162

Nationwide

$1,958

$163

Allstate

$1,971

$164

Allstate

$1,979

$165

Dairyland

$2,025

$169

Farmers

$2,111

$176

Capital Insurance Group

$2,120

$177

Farmers

$2,127

$177

Allstate

$2,134

$178

Nationwide

$2,136

$178

Dairyland

$2,141

$178

State Farm

$2,321

$193

Farmers

$2,418

$202

Nationwide

$2,624

$219

Dairyland

$2,724

$227

Dairyland

$2,821

$235

Capital Insurance Group

$2,834

$236

Dairyland

$3,202

$267

Allstate

$3,207

$267

Allstate

$3,328

$277

Allstate

$3,457

$288

MoneyGeek used a Ford Mustang as the sample sports car to source quotes for this study. Rates may vary slightly depending on the sports car model. Insurance costs for electric, sports and luxury cars are often higher than those for other model types.

Cheapest Car Insurance in Oregon for Military Drivers (June 2023)

Our evaluation shows that Oregon's most affordable car insurance provider for veterans and active military members is Country Financial with an average annual cost of $862.

USAA also provides cheap car insurance to Oregonians with military backgrounds at about $1,798 per year. The insurer offers policies exclusively to those in the military and is widely available across the U.S.

mglogo
MoneyGeek Top Pick
Country Financial
  • $862 per year

Country Financial offers several discounts for its policyholders. These include bundling, good student, multiple car and safe driving discounts.

Cheapest Car Insurance in Oregon by City

Where you live can influence your auto insurance rates in Oregon. Cities with a high accident rate, vandalism, theft and similar occurrences may have higher car insurance costs because residents are more likely to file claims.

Our analysis shows that Eugene has the cheapest auto insurance in Oregon, with a policy costing $791 from State Farm. Portland has the highest cost at $1,109 per year from Country Financial.

Use the following table to learn about car insurance costs across Oregon cities.

City
Cheapest Company
Annual Premium

Eugene

State Farm

$791

Gresham

Country Financial

$1,058

Hillsboro

Country Financial

$900

Portland

Country Financial

$1,109

Salem

Country Financial

$905

Car Insurance in Oregon: What You Need to Know

Oregon requires car insurance policies to include bodily injury and property damage liability coverages. The minimum coverage must also have uninsured motorists coverage and personal injury protection. Drivers who meet the self-insurance requirements can use it as an alternative to standard auto insurance policies.

Oregon Car Insurance Requirements

All auto insurance policies in Oregon must meet the minimum state requirements for bodily injury, property damage protection, personal injury protection and uninsured/underinsured motorists coverage. Minimum coverage policies are the cheapest but offer limited protection.

If you have a DUI, an at-fault accident or other serious driving violation, you must purchase SR-22 insurance in Oregon. SR-22 insurance costs vary depending on the offense.

  • male icon

    Bodily Injury Liability

    Your policy should include at least $25,000 coverage per person for bodily injury and $50,000 per accident. If you are involved in an accident, this coverage will pay for treating any injured third parties. A lower limit means you may need to pay for the additional cost out of pocket.

  • accident2 icon

    Property Damage Liability

    Oregon requires that car insurance policies have a $20,000 property damage liability per accident. If you damage a third party’s property during an accident, you will pay for any costs above the $20,000 out-of-pocket limit.

  • hospital icon

    Personal Injury Protection

    Oregon’s $15,000 personal injury protection covers medical treatment for drivers and their passengers after an accident without regard to who is at fault. Keeping the PIP at a minimum means you will need alternative funds to cover any extra medical costs.

  • carInsurance icon

    Uninsured Motorist Bodily Injury Liability

    If a driver is injured in an accident with an uninsured driver, their insured driver’s provider will meet the medical costs. PIP limits in Oregon are $25,000 per person and $50,000 per accident.

MoneyGeek recommends purchasing a car insurance policy with at least $100,000 in bodily injury liability per person and $300,000 per accident to ensure adequate protection. For property damage coverage, the ideal limit is $100,000. If you financed your car, consider comprehensive collision coverage.

Comprehensive insurance coverage pays to repair or replace your car due to damage caused by theft, vandalism and similar off-road occurrences. Collision coverage pays for damage caused by other cars or objects.

If you have a valuable car with high repair and replacement costs, comprehensive and collision insurance may be better than minimum liability insurance.

Car Insurance Alternatives in Oregon

It is illegal to drive without a car insurance policy in Oregon. Residents with at least 25 vehicles registered in their name may also meet the minimum auto insurance requirements by obtaining self-insurance.

To qualify for a self-insurance certificate, you must meet any of the following requirements:

  • Meet the public body requirements stipulated in ORS 30.260 and OAR 735-050-0020.
  • Qualify as a federal agency in the United States.
  • Have a certified copy of the written decision from the Federal Motor Carrier Safety Administration authorizing you as a self-insurer.
  • Provide documents required to meet the OAR 735-050-0020 requirements and possess more than 25 cars registered in your name.

The certificate remains valid for one year. During application, you will need to provide financial statements, details of the vehicles to be insured and accident history statements.

FAQs About Car Insurance in Oregon

When shopping for a car insurance provider, you may have questions about affordability and service quality. MoneyGeek answered questions about auto insurance in Oregon to get you started.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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