Best Cheap Car Insurance Companies for High-Risk Drivers in Oregon

Depending on your driving history, insurance companies may charge you more, especially if they believe you to be a higher risk to insure. Research and comparative shopping will help you decide which insurer offers the best value.

In Oregon, MoneyGeek determined that State Farm is the cheapest high-risk auto insurance company and provides the best value in terms of affordability and customer service. The annual cost of the company's policy is around $1,166, but your individual circumstances may affect your premium.

You may be considered a high-risk driver if you have a background of at-fault accidents, tickets or a DUI conviction. Due to inexperience on the road, being a young driver makes you riskier for insurance providers, too.

High-risk drivers are typically thought to be more likely to submit an auto insurance claim by insurance companies. In order to cover the potential costs of a claim, they charge a higher premium. In Oregon, your premium for high-risk car insurance may cost around 26% more than if you had a low-risk profile.

According to MoneyGeek's research, State Farm offers the most affordable high-risk auto insurance to Oregon drivers. It provides an insurance policy at an average annual cost of $1,166.

Visit MoneyGeek's detailed State Farm review to discover its benefits, drawbacks and coverage options.

With a MoneyGeek score of 91 out of 100, State Farm is the highest-rated auto insurance company in Oregon for high-risk drivers. Our State Farm review examines its coverage options, pricing and customer service in further detail.

With a MoneyGeek score of 79 out of 100, American Family ranks as the second-best insurance company in Oregon for high-risk drivers. In our review, we outline the benefits and drawbacks of the company.

MoneyGeek discovered that State Farm offers the most affordable high-risk auto insurance in Oregon for drivers with a DUI on their record, with an average annual premium of $1,098. Explore our State Farm auto insurance review to learn more about its offerings, discounts and customer service.

USAA is another reasonably priced option for active-duty or retired military members in the state who have been convicted of DUI.

Nationwide offers the most affordable high-risk auto insurance rate to young drivers in Oregon. The company's average annual premium for teenage car insurance is $3,962.

Take into account that your rate will vary depending on your age and other factors. Read our Nationwide review to discover more about the company.

GEICO offers the cheapest auto insurance for high-risk drivers with poor credit in Oregon. Bad credit drivers pay an average annual price of $1,243 for car insurance. Visit MoneyGeek's review of GEICO auto insurance to discover more about its advantages and disadvantages.

When determining auto insurance prices, insurance providers frequently evaluate a driver's experience and history. Consequently, premiums for high-risk drivers are often more expensive.

Oregon drivers with clean records pay around $1,106 per year, whereas high-risk drivers have an average annual cost of $1,516. That’s over $400 more.

MoneyGeek's Oregon car insurance calculator will assist you in determining the cost of a policy depending on various factors, including your age, driving history, vehicle type and the coverage amount. With the aid of our calculator, you can determine the variable that has the greatest impact on your rate.

Since companies that offer auto insurance do so voluntarily, some providers may decline to give you a policy if they believe you are too risky. The best course of action in this situation is to buy a residual market plan through the non-profit Automobile Insurance Plan Service Office (AIPSO).

AIPSO has assisted high-risk drivers in acquiring vehicle insurance coverage for over 48 years, ultimately maintaining the residual auto insurance market. AIPSO presently oversees 38 residual market mechanisms effectively and provides assistance and services to an additional 16 residual market mechanisms and three state mechanisms.

The Automobile Insurance Plan of Oregon offers automobile insurance coverage to qualified individuals who need it but can't get it on the open market. Risks associated with the Plan are shared among auto insurers in Oregon.

Oregon is among the states that are a member of the Western Association of Automobile Insurance Plans (WAAIP). WAAIP is a processing center that connects consumers who have difficulty purchasing auto insurance with insurers willing to insure them.

It can be difficult to obtain insurance if you are a high-risk driver. MoneyGeek provided answers to some frequently asked questions regarding high-risk auto insurance in Oregon to streamline the process for you.

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.

To calculate rates for high-risk drivers, MoneyGeek averaged the premiums insurance companies charge for three of the most common driving violations: speeding, at-fault accident and DUI.

To determine the best car insurance company for high-risk drivers, MoneyGeek scored companies based on affordability, customer satisfaction and complaints — obtained from J.D. Power surveys and NAIC complaint scores — and financial strength ratings as calculated by AM Best. Affordability received the greatest weighting in our calculations.