Compare Rates and Save on Auto Insurance

widget-location-pin

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.

MoneyGeek Logo IconCheapestCar InsuranceOregon
2023

Table of Contents

Cheapest Minimum Liability Car Insurance in Oregon (November 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: $475 per year
  • Progressive: $524 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 liability coverage for property damage and bodily injury, personal injury protection and uninsured motorist coverage.

Company
Annual Premium
Monthly Premium

Country Financial

$475

$40

Country Financial

$477

$40

Progressive

$506

$42

Progressive

$524

$44

Capital Insurance Group

$537

$45

State Farm

$545

$45

Progressive

$546

$45

GEICO

$549

$46

Travelers

$565

$47

State Farm

$577

$48

Kemper

$579

$48

Capital Insurance Group

$582

$48

GEICO

$583

$49

Travelers

$590

$49

Kemper

$600

$50

Nationwide

$614

$51

Country Financial

$617

$51

State Farm

$623

$52

Travelers

$627

$52

American Family

$635

$53

American Family

$636

$53

Nationwide

$637

$53

Kemper

$647

$54

GEICO

$693

$58

Farmers

$696

$58

Capital Insurance Group

$696

$58

American Family

$704

$59

Nationwide

$783

$65

Farmers

$813

$68

Farmers

$829

$69

American Family

$885

$74

Nationwide

$913

$76

American Family

$921

$77

Capital Insurance Group

$948

$79

Country Financial

$953

$79

Nationwide

$982

$82

Country Financial

$1,009

$84

American Family

$1,010

$84

Travelers

$1,023

$85

Travelers

$1,027

$86

Progressive

$1,030

$86

GEICO

$1,036

$86

Capital Insurance Group

$1,050

$88

Progressive

$1,065

$89

State Farm

$1,073

$89

Kemper

$1,076

$90

Kemper

$1,135

$95

State Farm

$1,154

$96

GEICO

$1,159

$97

Kemper

$1,161

$97

Travelers

$1,189

$99

Nationwide

$1,194

$100

Allstate

$1,244

$104

Progressive

$1,247

$104

Allstate

$1,248

$104

Farmers

$1,273

$106

Country Financial

$1,279

$107

State Farm

$1,339

$112

Allstate

$1,342

$112

Capital Insurance Group

$1,391

$116

GEICO

$1,405

$117

Farmers

$1,441

$120

Farmers

$1,529

$127

Dairyland

$1,894

$158

Dairyland

$2,025

$169

Allstate

$2,055

$171

Dairyland

$2,141

$178

Allstate

$2,167

$181

Allstate

$2,177

$181

Dairyland

$2,913

$243

Dairyland

$3,123

$260

Dairyland

$3,365

$280

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, which includes comprehensive and collision coverage to financially protect your vehicle.

Insurance Rates

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin
Loading...

Cheapest Full Coverage Car Insurance in Oregon (November 2023)

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

  • American Family: $921 per year
  • Nationwide: $982 per year

At about $3,123 per year on average, Dairyland 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 American Family, for instance, costs $285 more than minimum coverage.

However, full coverage auto insurance provides better financial protection after an at-fault accident since it covers repairs to your vehicle. Aside from damage caused by collisions, you also get protection from vandalism, theft, weather events and other non-collision incidents.

Company
Annual Premium
Monthly Premium

Country Financial

$475

$40

Country Financial

$477

$40

Progressive

$506

$42

Progressive

$524

$44

Capital Insurance Group

$537

$45

State Farm

$545

$45

Progressive

$546

$45

GEICO

$549

$46

Travelers

$565

$47

State Farm

$577

$48

Kemper

$579

$48

Capital Insurance Group

$582

$48

GEICO

$583

$49

Travelers

$590

$49

Kemper

$600

$50

Nationwide

$614

$51

Country Financial

$617

$51

State Farm

$623

$52

Travelers

$627

$52

American Family

$635

$53

American Family

$636

$53

Nationwide

$637

$53

Kemper

$647

$54

GEICO

$693

$58

Farmers

$696

$58

Capital Insurance Group

$696

$58

American Family

$704

$59

Nationwide

$783

$65

Farmers

$813

$68

Farmers

$829

$69

American Family

$885

$74

Nationwide

$913

$76

American Family

$921

$77

Capital Insurance Group

$948

$79

Country Financial

$953

$79

Nationwide

$982

$82

Country Financial

$1,009

$84

American Family

$1,010

$84

Travelers

$1,023

$85

Travelers

$1,027

$86

Progressive

$1,030

$86

GEICO

$1,036

$86

Capital Insurance Group

$1,050

$88

Progressive

$1,065

$89

State Farm

$1,073

$89

Kemper

$1,076

$90

Kemper

$1,135

$95

State Farm

$1,154

$96

GEICO

$1,159

$97

Kemper

$1,161

$97

Travelers

$1,189

$99

Nationwide

$1,194

$100

Allstate

$1,244

$104

Progressive

$1,247

$104

Allstate

$1,248

$104

Farmers

$1,273

$106

Country Financial

$1,279

$107

State Farm

$1,339

$112

Allstate

$1,342

$112

Capital Insurance Group

$1,391

$116

GEICO

$1,405

$117

Farmers

$1,441

$120

Farmers

$1,529

$127

Dairyland

$1,894

$158

Dairyland

$2,025

$169

Allstate

$2,055

$171

Dairyland

$2,141

$178

Allstate

$2,167

$181

Allstate

$2,177

$181

Dairyland

$2,913

$243

Dairyland

$3,123

$260

Dairyland

$3,365

$280

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 premium, you could select a policy with lower liability limits, such as the minimum coverage option, or if you have full coverage, choose higher deductibles for comprehensive and collision insurance. Note that lower liability limits may put you at risk of inadequate coverage if you are involved in an at-fault 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.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

Oregon
Female
30-65
Clean

Average Annual Auto Insurance Rates

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

low end

on average

high end

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

USAA

Cheapest Car Insurance in Oregon by Age (November 2023)

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

mglogo icon
CHEAPEST CAR INSURANCE COMPANIES BY AGE

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

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

Insurers offering the cheapest car insurance in Oregon for teens on a family policy 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 older 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 family policy with full coverage. Adding a teen driver to the family's policy is typically less costly than purchasing separate coverage for them. Plus, if the teen is under 18, they cannot legally purchase car insurance without a parent or guardian's consent. 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

mglogo icon
MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. That's because male teens tend to have higher accident rates and more reckless driving behavior. 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 student away at school and good student discounts.

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

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

  • American Family: $1,010 per year
  • Travelers: $1,189 per year

Dairyland policies have the highest average premium for young adult drivers, costing $3,365 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

$475

$40

Country Financial

$477

$40

Progressive

$506

$42

Progressive

$524

$44

Capital Insurance Group

$537

$45

State Farm

$545

$45

Progressive

$546

$45

GEICO

$549

$46

Travelers

$565

$47

State Farm

$577

$48

Kemper

$579

$48

Capital Insurance Group

$582

$48

GEICO

$583

$49

Travelers

$590

$49

Kemper

$600

$50

Nationwide

$614

$51

Country Financial

$617

$51

State Farm

$623

$52

Travelers

$627

$52

American Family

$635

$53

American Family

$636

$53

Nationwide

$637

$53

Kemper

$647

$54

GEICO

$693

$58

Farmers

$696

$58

Capital Insurance Group

$696

$58

American Family

$704

$59

Nationwide

$783

$65

Farmers

$813

$68

Farmers

$829

$69

American Family

$885

$74

Nationwide

$913

$76

American Family

$921

$77

Capital Insurance Group

$948

$79

Country Financial

$953

$79

Nationwide

$982

$82

Country Financial

$1,009

$84

American Family

$1,010

$84

Travelers

$1,023

$85

Travelers

$1,027

$86

Progressive

$1,030

$86

GEICO

$1,036

$86

Capital Insurance Group

$1,050

$88

Progressive

$1,065

$89

State Farm

$1,073

$89

Kemper

$1,076

$90

Kemper

$1,135

$95

State Farm

$1,154

$96

GEICO

$1,159

$97

Kemper

$1,161

$97

Travelers

$1,189

$99

Nationwide

$1,194

$100

Allstate

$1,244

$104

Progressive

$1,247

$104

Allstate

$1,248

$104

Farmers

$1,273

$106

Country Financial

$1,279

$107

State Farm

$1,339

$112

Allstate

$1,342

$112

Capital Insurance Group

$1,391

$116

GEICO

$1,405

$117

Farmers

$1,441

$120

Farmers

$1,529

$127

Dairyland

$1,894

$158

Dairyland

$2,025

$169

Allstate

$2,055

$171

Dairyland

$2,141

$178

Allstate

$2,167

$181

Allstate

$2,177

$181

Dairyland

$2,913

$243

Dairyland

$3,123

$260

Dairyland

$3,365

$280

Cheapest Car Insurance in Oregon for Seniors (November 2023)

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

  • American Family: $885 per year
  • Nationwide: $913 per year

The highest premium comes from Dairyland at about $2,913 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 $36 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

$475

$40

Country Financial

$477

$40

Progressive

$506

$42

Progressive

$524

$44

Capital Insurance Group

$537

$45

State Farm

$545

$45

Progressive

$546

$45

GEICO

$549

$46

Travelers

$565

$47

State Farm

$577

$48

Kemper

$579

$48

Capital Insurance Group

$582

$48

GEICO

$583

$49

Travelers

$590

$49

Kemper

$600

$50

Nationwide

$614

$51

Country Financial

$617

$51

State Farm

$623

$52

Travelers

$627

$52

American Family

$635

$53

American Family

$636

$53

Nationwide

$637

$53

Kemper

$647

$54

GEICO

$693

$58

Farmers

$696

$58

Capital Insurance Group

$696

$58

American Family

$704

$59

Nationwide

$783

$65

Farmers

$813

$68

Farmers

$829

$69

American Family

$885

$74

Nationwide

$913

$76

American Family

$921

$77

Capital Insurance Group

$948

$79

Country Financial

$953

$79

Nationwide

$982

$82

Country Financial

$1,009

$84

American Family

$1,010

$84

Travelers

$1,023

$85

Travelers

$1,027

$86

Progressive

$1,030

$86

GEICO

$1,036

$86

Capital Insurance Group

$1,050

$88

Progressive

$1,065

$89

State Farm

$1,073

$89

Kemper

$1,076

$90

Kemper

$1,135

$95

State Farm

$1,154

$96

GEICO

$1,159

$97

Kemper

$1,161

$97

Travelers

$1,189

$99

Nationwide

$1,194

$100

Allstate

$1,244

$104

Progressive

$1,247

$104

Allstate

$1,248

$104

Farmers

$1,273

$106

Country Financial

$1,279

$107

State Farm

$1,339

$112

Allstate

$1,342

$112

Capital Insurance Group

$1,391

$116

GEICO

$1,405

$117

Farmers

$1,441

$120

Farmers

$1,529

$127

Dairyland

$1,894

$158

Dairyland

$2,025

$169

Allstate

$2,055

$171

Dairyland

$2,141

$178

Allstate

$2,167

$181

Allstate

$2,177

$181

Dairyland

$2,913

$243

Dairyland

$3,123

$260

Dairyland

$3,365

$280

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 (November 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.

Nationwide is the cheapest insurer for drivers with poor credit, while it is American Family for those with sports cars.

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: Nationwide ($1,461 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
  • Capital Insurance Group: $1,227 per year

Dairyland is the most expensive company, charging an average of $3,680 per year. You will pay about $323 more annually in Oregon for full coverage car insurance after a speeding ticket.

Company
Annual Premium
Monthly Premium

Capital Insurance Group

$592

$49

State Farm

$617

$51

Country Financial

$624

$52

Country Financial

$627

$52

Progressive

$637

$53

Capital Insurance Group

$645

$54

State Farm

$654

$54

Progressive

$681

$57

Progressive

$685

$57

State Farm

$706

$59

Kemper

$723

$60

Kemper

$745

$62

American Family

$750

$63

American Family

$751

$63

Travelers

$768

$64

Nationwide

$777

$65

Travelers

$785

$65

Capital Insurance Group

$788

$66

Nationwide

$803

$67

Kemper

$807

$67

GEICO

$813

$68

Country Financial

$819

$68

Travelers

$833

$69

American Family

$837

$70

Farmers

$889

$74

GEICO

$900

$75

Nationwide

$938

$78

GEICO

$943

$79

Farmers

$970

$81

American Family

$1,050

$88

Farmers

$1,071

$89

American Family

$1,094

$91

Capital Insurance Group

$1,106

$92

Nationwide

$1,140

$95

State Farm

$1,197

$100

American Family

$1,205

$100

Country Financial

$1,226

$102

Capital Insurance Group

$1,227

$102

Nationwide

$1,230

$103

State Farm

$1,288

$107

Country Financial

$1,299

$108

Kemper

$1,339

$112

Allstate

$1,389

$116

Allstate

$1,396

$116

Progressive

$1,411

$118

Travelers

$1,416

$118

Kemper

$1,416

$118

Progressive

$1,445

$120

Kemper

$1,451

$121

Nationwide

$1,453

$121

Travelers

$1,477

$123

State Farm

$1,498

$125

Allstate

$1,507

$126

Travelers

$1,509

$126

Progressive

$1,603

$134

Country Financial

$1,665

$139

Capital Insurance Group

$1,679

$140

GEICO

$1,699

$142

Farmers

$1,711

$143

Farmers

$1,876

$156

GEICO

$1,883

$157

Farmers

$1,885

$157

GEICO

$1,932

$161

Dairyland

$2,309

$192

Dairyland

$2,326

$194

Allstate

$2,376

$198

Dairyland

$2,385

$199

Allstate

$2,514

$210

Allstate

$2,520

$210

Dairyland

$3,556

$296

Dairyland

$3,595

$300

Dairyland

$3,680

$307

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
  • Nationwide: $1,257 per year

Dairyland has the highest average car insurance rate for drivers with an at-fault accident, charging $3,988 per year. Based on our analysis, the average premium for the cheapest full coverage policy can increase by $537 annually due to an at-fault accident.

Company
Annual Premium
Monthly Premium

Capital Insurance Group

$639

$53

Capital Insurance Group

$699

$58

Country Financial

$717

$60

State Farm

$729

$61

Country Financial

$750

$62

American Family

$770

$64

American Family

$770

$64

State Farm

$773

$64

Nationwide

$789

$66

Travelers

$807

$67

Kemper

$808

$67

Nationwide

$820

$68

Travelers

$826

$69

State Farm

$835

$70

Progressive

$836

$70

Kemper

$841

$70

American Family

$856

$71

Travelers

$879

$73

Capital Insurance Group

$881

$73

Progressive

$894

$75

Progressive

$908

$76

Kemper

$916

$76

Country Financial

$925

$77

Nationwide

$995

$83

GEICO

$1,004

$84

Farmers

$1,037

$86

American Family

$1,092

$91

GEICO

$1,120

$93

Farmers

$1,123

$94

American Family

$1,135

$95

Nationwide

$1,150

$96

GEICO

$1,195

$100

Capital Insurance Group

$1,208

$101

Farmers

$1,240

$103

American Family

$1,253

$104

Nationwide

$1,257

$105

Capital Insurance Group

$1,342

$112

State Farm

$1,390

$116

Country Financial

$1,402

$117

Country Financial

$1,431

$119

Travelers

$1,477

$123

Kemper

$1,487

$124

State Farm

$1,495

$125

Travelers

$1,545

$129

Nationwide

$1,545

$129

Kemper

$1,561

$130

Travelers

$1,574

$131

Kemper

$1,620

$135

Allstate

$1,688

$141

Allstate

$1,701

$142

State Farm

$1,744

$145

Progressive

$1,822

$152

Country Financial

$1,825

$152

Allstate

$1,853

$154

Capital Insurance Group

$1,871

$156

Progressive

$1,892

$158

Farmers

$1,925

$160

Progressive

$2,047

$171

GEICO

$2,062

$172

Farmers

$2,095

$175

Farmers

$2,138

$178

GEICO

$2,286

$191

GEICO

$2,374

$198

Dairyland

$2,391

$199

Dairyland

$2,492

$208

Dairyland

$2,574

$215

Allstate

$2,916

$243

Allstate

$3,094

$258

Allstate

$3,107

$259

Dairyland

$3,715

$310

Dairyland

$3,854

$321

Dairyland

$3,988

$332

mglogo icon
MONEYGEEK EXPERT TIP

An at-fault accident is going to result in a premium increase that may last for years. To avoid that, include accident forgiveness coverage on your auto policy. With this optional coverage, your first at-fault accident will not cause your policy cost to increase. It is available from many insurers, and some award it for free if you maintain a clean motor vehicle record prior to the accident. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

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: $1,245 per year

The company with the most expensive car insurance for this violation is Dairyland, costing about $3,286 per year. On average, a DUI increases your annual rate by $595.

Company
Annual Premium
Monthly Premium

Progressive

$582

$48

Progressive

$617

$51

State Farm

$617

$51

Progressive

$631

$53

State Farm

$654

$54

State Farm

$706

$59

Capital Insurance Group

$736

$61

Country Financial

$739

$62

Country Financial

$741

$62

American Family

$750

$63

American Family

$751

$63

Capital Insurance Group

$811

$68

American Family

$837

$70

Travelers

$910

$76

Travelers

$929

$77

Country Financial

$979

$82

Travelers

$988

$82

Farmers

$1,001

$83

Capital Insurance Group

$1,020

$85

American Family

$1,050

$88

Farmers

$1,084

$90

American Family

$1,094

$91

Nationwide

$1,170

$97

State Farm

$1,197

$100

Nationwide

$1,201

$100

American Family

$1,205

$100

Farmers

$1,211

$101

Progressive

$1,245

$104

Progressive

$1,265

$105

State Farm

$1,288

$107

GEICO

$1,324

$110

Kemper

$1,334

$111

GEICO

$1,334

$111

Capital Insurance Group

$1,346

$112

Nationwide

$1,377

$115

Kemper

$1,387

$116

Country Financial

$1,409

$117

Progressive

$1,434

$120

Country Financial

$1,486

$124

State Farm

$1,498

$125

Capital Insurance Group

$1,500

$125

Allstate

$1,504

$125

Allstate

$1,507

$126

Kemper

$1,509

$126

GEICO

$1,630

$136

Allstate

$1,638

$136

Travelers

$1,650

$138

Travelers

$1,728

$144

Travelers

$1,756

$146

Nationwide

$1,771

$148

Farmers

$1,859

$155

Nationwide

$1,877

$156

Country Financial

$1,930

$161

Farmers

$2,026

$169

Dairyland

$2,031

$169

Farmers

$2,074

$173

Capital Insurance Group

$2,090

$174

Dairyland

$2,103

$175

Nationwide

$2,165

$180

Dairyland

$2,286

$191

Kemper

$2,478

$207

Kemper

$2,601

$217

Allstate

$2,622

$219

GEICO

$2,647

$221

Kemper

$2,687

$224

GEICO

$2,730

$227

Allstate

$2,790

$232

Allstate

$2,793

$233

GEICO

$3,154

$263

Dairyland

$3,169

$264

Dairyland

$3,286

$274

Dairyland

$3,517

$293

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

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

  • Nationwide: $1,461 per year
  • Capital Insurance Group: $1,487 per year

Dairyland charges the highest premium for those with poor credit at $4,138 per year.

Typically, a credit score above 750 will get you better rates. In Oregon, drivers with poor credit pay approximately $803 more per year for car insurance than drivers with good credit scores.

Company
Annual Premium
Monthly Premium

Progressive

$691

$58

Progressive

$694

$58

Progressive

$746

$62

GEICO

$786

$66

Capital Insurance Group

$793

$66

Country Financial

$838

$70

Country Financial

$845

$70

Capital Insurance Group

$853

$71

GEICO

$888

$74

Kemper

$890

$74

Nationwide

$940

$78

Kemper

$942

$79

Nationwide

$973

$81

Travelers

$1,002

$84

Kemper

$1,006

$84

Capital Insurance Group

$1,009

$84

GEICO

$1,010

$84

Travelers

$1,020

$85

Travelers

$1,080

$90

Country Financial

$1,095

$91

Nationwide

$1,148

$96

American Family

$1,156

$96

American Family

$1,156

$96

Farmers

$1,178

$98

Farmers

$1,281

$107

American Family

$1,282

$107

State Farm

$1,334

$111

Capital Insurance Group

$1,347

$112

Nationwide

$1,355

$113

Farmers

$1,356

$113

State Farm

$1,413

$118

Nationwide

$1,461

$122

Capital Insurance Group

$1,487

$124

Country Financial

$1,508

$126

State Farm

$1,525

$127

GEICO

$1,537

$128

Progressive

$1,563

$130

Country Financial

$1,578

$132

American Family

$1,598

$133

Progressive

$1,638

$137

American Family

$1,656

$138

Kemper

$1,666

$139

Travelers

$1,669

$139

Travelers

$1,706

$142

Kemper

$1,733

$144

Nationwide

$1,748

$146

Kemper

$1,784

$149

American Family

$1,819

$152

GEICO

$1,837

$153

Allstate

$1,888

$157

Progressive

$1,900

$158

Travelers

$1,904

$159

Allstate

$1,910

$159

Capital Insurance Group

$1,941

$162

Country Financial

$2,038

$170

Allstate

$2,062

$172

GEICO

$2,104

$175

Farmers

$2,257

$188

Farmers

$2,424

$202

Farmers

$2,494

$208

Dairyland

$2,563

$214

State Farm

$2,608

$217

Dairyland

$2,661

$222

State Farm

$2,812

$234

Dairyland

$2,892

$241

State Farm

$3,270

$272

Allstate

$3,295

$275

Allstate

$3,470

$289

Allstate

$3,480

$290

Dairyland

$3,975

$331

Dairyland

$4,138

$345

Dairyland

$4,572

$381

Insurance companies quote higher car insurance premiums if you have a poor credit history since you are more likely to file a claim. Utilizing your creditworthiness to determine how much you should pay for insurance is allowed 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 (November 2023)

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

  • American Family: $875 per year
  • Capital Insurance Group: $912 per year

Policies from Dairyland are the most expensive for sports car insurance at $2,821 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 $20 more for insurance if they have a sports car over a Toyota Camry LE.

Company
Annual Premium
Monthly Premium

Country Financial

$475

$40

Country Financial

$477

$40

Progressive

$506

$42

Progressive

$524

$44

Capital Insurance Group

$537

$45

State Farm

$545

$45

Progressive

$546

$45

GEICO

$549

$46

Travelers

$565

$47

State Farm

$577

$48

Kemper

$579

$48

Capital Insurance Group

$582

$48

GEICO

$583

$49

Travelers

$590

$49

Kemper

$600

$50

Nationwide

$614

$51

Country Financial

$617

$51

State Farm

$623

$52

Travelers

$627

$52

American Family

$635

$53

American Family

$636

$53

Nationwide

$637

$53

Kemper

$647

$54

GEICO

$693

$58

Farmers

$696

$58

Capital Insurance Group

$696

$58

American Family

$704

$59

Nationwide

$783

$65

Farmers

$813

$68

Capital Insurance Group

$815

$68

Farmers

$829

$69

American Family

$844

$70

American Family

$875

$73

Capital Insurance Group

$912

$76

Travelers

$915

$76

Travelers

$935

$78

American Family

$960

$80

Nationwide

$979

$82

Nationwide

$1,068

$89

Travelers

$1,077

$90

Progressive

$1,089

$91

GEICO

$1,111

$93

Kemper

$1,117

$93

Farmers

$1,157

$96

Farmers

$1,172

$98

State Farm

$1,192

$99

Capital Insurance Group

$1,195

$100

Kemper

$1,201

$100

Kemper

$1,214

$101

Allstate

$1,244

$104

Allstate

$1,248

$104

Progressive

$1,255

$105

State Farm

$1,289

$107

Nationwide

$1,312

$109

Farmers

$1,319

$110

Allstate

$1,342

$112

GEICO

$1,377

$115

Progressive

$1,530

$127

State Farm

$1,537

$128

GEICO

$1,583

$132

Dairyland

$1,894

$158

Allstate

$1,981

$165

Dairyland

$2,025

$169

Allstate

$2,055

$171

Allstate

$2,130

$178

Dairyland

$2,141

$178

Dairyland

$2,724

$227

Dairyland

$2,821

$235

Dairyland

$3,202

$267

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 (November 2023)

USAA provides cheap car insurance to Oregonians with military backgrounds at about $864 per year. The insurer offers policies exclusively to those in the military and is widely available across the U.S.

mglogo
MoneyGeek Top Pick
USAA
  • $864 per year

USAA 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 $876 from Nationwide. Portland has the highest cost at $1,292 per year from Nationwide.

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

City
Cheapest Company
Annual Premium

Eugene

Nationwide

$876

Gresham

Nationwide

$1,214

Hillsboro

Nationwide

$1,037

Portland

Nationwide

$1,292

Salem

Nationwide

$1,019

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 motorist 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 liability, property damage liability, personal injury protection and uninsured motorist coverage. Minimum coverage policies are the cheapest but offer limited protection.

If you have a serious infraction, such as a DUI, reckless driving or driving without a license, you must have an SR-22 on file with the Oregon Driver and Motor Vehicles Department. Commonly called SR-22 insurance, it is a certificate of financial responsibility your car insurer files on your behalf to prove you have the required car insurance to legally drive in Oregon.

  • 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 you are hit by an uninsured driver or experience a hit-and-run, uninsured motorist coverage pays the damages you incur. In Oregon, drivers are required to have at least $25,000 per person and $50,000 per accident coverage limits. You may also include underinsured motorist, which covers the additional costs of damages when a driver with insufficient coverage hits you.

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 finance or lease your car, you will likely be required to have full coverage insurance that includes comprehensive and collision insurance.

Comprehensive insurance coverage pays to repair or replace your car due to damage caused by non-collision incidents, such as theft, vandalism, fire and severe weather, including hail and flooding. Collision coverage pays for damage caused by an at-fault accident with another vehicle or striking an object like a tree or fence. It also covers rollover accidents and pothole damage.

If you have a valuable car with high repair and replacement costs, full coverage may be better than liability-only 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.


sources