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: December 3, 2025
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?
If you have a driving offense in Oregon, it's important to know how long it could affect your car insurance rates. Major violations, such as DUIs or reckless driving, could influence your rates for up to ten years.
For minor violations, your rates may be affected for about three to five years. The exact duration depends on your insurance company’s rules, so it can vary.
Oregon High-Risk Car Insurance: Buyer's Guide
Finding car insurance with a high-risk profile is challenging. Our guide explains what makes you high-risk and how to find affordable coverage. If most insurers deny you, learn about high-risk factors and discover your coverage options.
What Is Considered a High-Risk Driver?
Auto insurance companies often view the following types of drivers as high-risk:
- Those with a history of traffic violations or at-fault accidents
- Drivers with a DUI conviction
- Anyone caught driving with a suspended or revoked license
- Young drivers with limited experience
- Senior drivers over 60
- People who drive sports cars or take part in drag racing
- Drivers with poor credit or gaps in their insurance coverage
Tips to Find the Best High-Risk Car Insurance in OR
Learn how to save money and pick the best high-risk car insurance company for your needs.
- 1Decide What Coverage You Need
Before comparing companies, figure out what kind of coverage fits your needs. Don’t let popular opinions or pushy agents influence your choice. Think about add-ons like rideshare coverage or roadside assistance. You can also use our car insurance coverage calculator to see how much protection you really need.
- 2Research Average Costs and Discounts
Knowing the average rates for your profile and the discounts offered helps you spot good deals. Look into state-certified defensive driving courses, which can lower your premium by up to 10% and reward safe driving with extra savings.
- 3Consider Non-Traditional Coverage Options
Pay-per-mile and usage-based insurance can help you save if you drive less or have good driving habits. GEICO’s telematics program, for example, tracks how you drive and can cut your auto costs by up to 30%.
- 4Compare Multiple Providers
Once you know your options, get quotes from at least three insurers to see how they compare. Use different tools such as brokers or online comparison sites and make sure you’re looking at the same coverage levels for each. This helps you find the best value for your situation.
What to Do if You Get Denied Coverage in Oregon
Car insurance is part of a voluntary market, so companies may deny coverage if they consider you too risky to insure. If 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. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
