Updated: March 17, 2026
Advertising & Editorial Disclosure
Oregon doesn't offer a low-income car insurance program, but drivers denied by voluntary insurers may qualify for OAIP, which provides assigned risk coverage. Read more.
COUNTRY Financial, Dairyland and Mutual of Enumclaw offer the most competitive rates. Compare quotes to find your lowest premium. Read more.
Oregon allows credit-based insurance scoring but prohibits gender rating. Building credit from poor to good can reduce premiums by up to 34%. Read more.
No, Oregon doesn't offer a state-sponsored low-income car insurance program. COUNTRY Financial, Dairyland and Mutual of Enumclaw offer the most affordable minimum coverage rates for drivers on tight budgets.
Drivers denied coverage by multiple insurers may qualify for the Oregon Automobile Insurance Plan (OAIP), which assigns high-risk drivers to participating insurers at state-regulated rates higher than voluntary market premiums. Shop the voluntary market first before applying to OAIP.
The Oregon Automobile Insurance Plan (OAIP) serves drivers who can't get coverage in the voluntary market. The program places eligible drivers with participating insurers at state-regulated rates that run 25% to 50% higher than standard premiums. You qualify if at least one insurer has denied you coverage. Apply through a licensed insurance agent with documentation of your denial.
Our high-risk car insurance in Oregon guide provides complete details on OAIP, including full eligibility requirements and step-by-step application instructions.
COUNTRY Financial offers Oregon's most affordable minimum coverage at $57 per month for drivers with poor credit, with Dairyland at $75 and Mutual of Enumclaw at $76. Oregon allows credit-based insurance scoring but prohibits gender-based pricing. Insurers must notify you if your credit information leads to a higher premium. Oregon's 25/50/20 minimum liability requirements help keep baseline coverage costs manageable for drivers.
| Country Financial | $57 | $686 |
| Dairyland | $75 | $899 |
| Mutual of Enumclaw | $76 | $909 |
| Geico | $83 | $998 |
| California Casualty | $88 | $1,051 |
| Nationwide | $97 | $1,166 |
| Travelers | $99 | $1,184 |
| Progressive | $119 | $1,429 |
| Allstate | $136 | $1,627 |
| Farmers | $147 | $1,762 |
| State Farm | $200 | $2,398 |
Improving credit from poor to good reduces premiums. COUNTRY Financial drops its rate from $57 to $46 per month once drivers reach good credit, saving $134 annually.
COUNTRY Financial provides the most affordable coverage for Oregon families at $2,124 annually for married couples with a 16-year-old driver. GEICO ($2,139) and Travelers ($2,651) offer additional options.
| Country Financial | $2,124 |
| Geico | $2,139 |
| Travelers | $2,651 |
| Mutual of Enumclaw | $2,953 |
| State Farm | $3,001 |
| Allstate | $3,241 |
| Allstate | $3,241 |
| Nationwide | $3,834 |
| Dairyland | $4,267 |
| Farmers | $4,618 |
| Progressive | $4,859 |
| California Causality | $5,023 |
*Rates for married couples with a 16-year-old teen driver are based on 50-year-old male and female drivers with clean driving records.
How to Lower Family Premiums
Oregon residents can decrease their auto insurance using these methods:
Get quotes from at least three standard insurers before applying to Oregon's assigned risk plan. OAIP coverage runs 25% to 50% higher than voluntary market rates. Many drivers who believe they can't get standard coverage actually qualify with COUNTRY Financial, Dairyland or Mutual of Enumclaw.
Oregon allows credit-based insurance scoring. COUNTRY Financial charges $57 monthly with poor credit but drops to $46 with good credit, which is a $134 annual savings. Pay bills on time, reduce credit card balances, and dispute errors on your credit report to improve your score and lower premiums.
Oregon insurers may offer discounts for good students (up to 25% off), military members and employees of certain organizations, not always advertised upfront. Some companies also provide affinity discounts through professional groups. Always ask about these when comparing quotes to get the lowest possible rate.
Oregon lacks dedicated programs for low-income drivers, but shopping around for quotes and building better credit can help you save.
COUNTRY Financial, Dairyland and Mutual of Enumclaw provide the most competitive rates for drivers with limited budgets in Oregon. Minimum coverage keeps costs lowest for Oregon drivers who own their vehicles outright, though financing or leasing requires full coverage.
No, Oregon doesn't offer a state-supported low-income car insurance program. Drivers rejected by voluntary market insurers can access coverage through the Oregon Automobile Insurance Plan (OAIP), an assigned risk program that makes sure of availability of state minimum coverage at rates higher than voluntary market premiums.
Income doesn't directly affect car insurance costs in Oregon. But insurers can use credit-based insurance scores when setting premiums, and credit scores often correlate with financial circumstances. Insurers must notify you if your credit information negatively affects your rate.
Study Overview
MoneyGeek analyzed Oregon auto insurance rates using data from Quadrant Information Services.
Data Acquisition, Depth and Analysis
Our analysis covers quotes from multiple companies across ZIP codes to determine the average cost of car insurance for low-income drivers.
Sample Driver Profile
We used this sample driver profile to determine average car insurance rates for low-income drivers:
To calculate rates for different driver profiles, we adjusted for age, family status and driving history.
Our study defines seniors as 60 or older, young drivers as 22 to 29 and adults as 30 to 59. Married couples with a child include 50-year-old male and female drivers with a 16-year-old teen.
Coverage Levels and Deductibles
All minimum coverage rates follow Oregon's mandatory insurance requirements of 25/50/20: $25,000 bodily injury per person, $50,000 bodily injury per accident and $20,000 property damage.
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.
