In our analysis, Country Financial stands out as the cheapest option for high-risk car insurance across most categories in Oregon, including senior drivers, drivers with speeding tickets, accidents, DUIs and bad credit. Kemper offers the most affordable rates for young drivers.
High-Risk Car Insurance OR
Updated: January 30, 2026
Advertising & Editorial Disclosure
Key Takeaways
For high-risk drivers in Oregon, Kemper, American Family and Travelers are the top choices for state minimum and full coverage car insurance options.
Annual premiums for high-risk drivers range widely, with the lowest being $789 and the highest reaching $3,452.
To snag the cheapest car insurance in Oregon if you are a high-risk driver, understand your coverage needs, research average costs and discounts and compare offers from multiple providers.
Cheapest Car Insurance for High-Risk Drivers in OR
| Kemper | Young Drivers | $45 |
| Country Financial | Senior Drivers | $42 |
| Country Financial | Drivers With a Speeding Ticket | $47 |
| Country Financial | Drivers With an Accident | $44 |
| Country Financial | Drivers With a DUI | $52 |
| Country Financial | Drivers With Bad Credit | $59 |
| Country Financial | Drivers With Bad Credit And Driving Violations | $80 |
*Rates shown are for minimum car insurance policies modifying a base profile of a 40-year-old driver with good credit and no driving violations.
Have auto insurance questions?Chat with Charlie now.
Compare Cheap OR High-Risk Car Insurance Providers
While our table above shows affordable companies for high-risk insurance, it might not cover every unique driver. Below, you'll find a table to compare rates from top providers for your specific needs.
Data filtered by:
22-29
Accident $1000-$1999 Prop Dmg
Good
100/300/100 Full Cov. w/$1,000 Ded.
| Kemper | $86 | $1,029 |
| American Family | $110 | $1,326 |
| Travelers | $122 | $1,469 |
| Country Financial | $133 | $1,595 |
| State Farm | $153 | $1,840 |
How Much Is High-Risk Car Insurance in OR?
Overall, high-risk car insurance costs in Oregon can range anywhere from $66 to $288 per month, depending on your unique combination of pricing factors. Below, you can compare average pricing for your profile by filtering the table.
Data filtered by:
22-29
Clean
Good
State Minimum Liability Only
| $72 | $864 | $0 | $0 | 0% |
HOW LONG DO DRIVING VIOLATIONS AFFECT CAR INSURANCE RATES?
A driving offense in Oregon stays on your insurance record, though the timeline depends on violation severity. Serious violations like DUIs or reckless driving impact your rates for up to 10 years. Minor violations, such as speeding tickets, affect your premiums for three to five years. Your insurer determines the exact duration based on its underwriting guidelines, which vary by company.
Oregon High-Risk Car Insurance: Buyer's Guide
Getting car insurance with a high-risk profile takes extra effort. Our guide explains what labels you as high-risk and how to find coverage you can afford. If most insurers turn you down, we'll help you understand the factors working against you and show you what coverage options remain available.
What Is Considered a High-Risk Driver?
Insurers commonly label these driver types as high-risk:
- Drivers with multiple traffic violations or at-fault accidents on their record
- Anyone convicted of a DUI
- People caught driving with a suspended or revoked license
- Young drivers who lack experience behind the wheel
- Senior drivers age 60 and older
- Owners of sports cars or participants in drag racing
- Drivers with poor credit or lapses in their insurance coverage
Tips to Find the Best High-Risk Car Insurance in OR
Learn practical ways to cut costs and choose a high-risk car insurance company that fits your situation.
- 1Decide What Coverage You Need
Before comparing insurers, take time to review what kind of coverage fits your needs. Tune out popular opinions or sales pressure and base your choice on how you actually use your vehicle.
Optional coverage like roadside assistance or rideshare protection can make sense depending on your routine. Our car insurance coverage calculator can also help you check how much protection makes sense for you.
- 2Research Average Costs and Discounts
Understanding what drivers with a similar profile pay makes it easier to spot fair pricing. Take time to review the discounts insurers offer, including savings tied to state-approved defensive driving courses. Completing one can reduce your premium by up to 10% and reward consistent, safe driving.
- 3Consider Non-Traditional Coverage Options
If you drive fewer miles or maintain strong driving habits, non-traditional options may work in your favor. Pay-per-mile and usage-based plans adjust pricing based on how and how often you drive. Programs like GEICO’s telematics option monitor driving behavior and may lower costs by as much as 30%.
- 4Compare Multiple Providers
After narrowing down your preferences, request quotes from at least three providers. You can use online comparison tools or work with a broker, but always match coverage limits and deductibles across quotes. Lining everything up side by side makes it easier to spot the best value for your needs.
What to Do if You Get Denied Coverage in Oregon
Car insurance operates as a voluntary market, which means companies can refuse to cover you if they view you as too risky. When that happens, you can still get coverage through the Automobile Insurance Plan Service Office (AIPSO).
Below, we've provided contact information if you want to start the process.
Office Hours
Monday–Friday, 8:15 a.m.–4:30 p.m. ET
Email
Phone
(800) 227-4659
Fax
(800) 827-6260
Mailing Address
P.O. Box 6530
Providence, RI 02940-6530
Car Insurance for High-Risk Drivers in OR: Bottom Line
Based on our research, the three most affordable companies for high-risk insurance in Oregon are Kemper, American Family and Travelers. While these options are promising, we recommend doing your own research to compare costs and find the best deal. If you're denied coverage, don't worry. There are programs available to help you secure affordable insurance.
OR Car Insurance for High-Risk Drivers: FAQ
Below are answers to common questions about high-risk car insurance in Oregon.
What is the cheapest high-risk car insurance provider in Oregon?
In Oregon, the cheapest high-risk car insurance provider is Country Financial. They offer the most affordable rate of $52 per month for high-risk drivers.
What do I do if I get denied for coverage?
If denied coverage, reach out to the AIPSO; they help high-risk drivers secure insurance when companies consider them too risky.
How much more expensive is high-risk car insurance in Oregon?
High-risk car insurance in Oregon for a driver aged between 30 and 50 can cost up to 149% more than insurance for those with a clean record.
How We Chose the Cheapest High-Risk Car Insurance in Oregon
MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible. Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.
All high-risk profiles are modifications based on our base profile of the following:
- 40-year-old driver
- 12,000 annual mileage
- Clean driving record
- Good credit
High-risk profiles considered for are young drivers, seniors, and those with bad credit or records of an accident, speeding ticket, or DUI. We also considered combinations of all of these factors to get a comprehensive view and maintain accuracy and personalization with our recommendations.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.