Cheapest Car Insurance in Oregon for 2026

Oregon ranks 26th most affordable of 50 states at $115/month for full coverage, 6% below the national average. Progressive leads full coverage at $81/month; State Farm leads minimum coverage at $38/month. COUNTRY Financial, a regional Pacific Northwest insurer, leads for young drivers and bad credit. It does not appear in the adult top five, but matters for those profiles. Oregon is technically an at-fault state, but it mandates PIP for all drivers, one of the few states where that combination applies.

Cheapest in Oregon by coverage type

• Full coverage: Progressive, $81/month
• Minimum coverage: State Farm, $38/month

Cheapest by city

• Portland: GEICO, $107/month
• Salem: Travelers, $96/month
• Eugene: GEICO, $78/month

Cheapest by driver age

• Teen drivers (16) on a family policy: COUNTRY Financial, $305/month (female) / $324/month (male)
• Seniors (65+): GEICO, $94/month

Cheapest by driving record and credit score

• Speeding ticket: State Farm, $93/month
• At-fault accident: State Farm, $107/month
• DUI: State Farm, $93/month
• Texting while driving: State Farm, $93/month
• Bad credit: COUNTRY Financial, $120/month

Progressive leads full coverage in Oregon at $81/month; State Farm leads minimum coverage at $38/month. Drivers seeking the best car insurance in Oregon for full coverage should start with Progressive; those evaluating minimum coverage should start with State Farm. Choosing Progressive over Dairyland (the most expensive full coverage option at $192/month, a nonstandard insurer) saves $111/month ($1,332/year). 

Oregon is an at-fault state, but the state mandates PIP ($15,000 per person) and UM/UIM on all policies. This makes Oregon's minimum coverage more comprehensive than most at-fault state minimums: drivers get first-party medical coverage and protection against uninsured drivers even at the legal floor.

11 providers analyzed. Oregon minimum includes mandatory $15,000 PIP and required UM/UIM. Most expensive full coverage: Dairyland at $192/month (nonstandard). Savings vs. Dairyland: $111/month ($1,332/year) by choosing Progressive.

Oregon's near-average ranking reflects a balance between Portland's high-cost urban environment and the state's large rural population. Mandatory PIP and UM/UIM push minimum premiums higher than comparable at-fault states, but a competitive insurer market and moderate claim costs keep full coverage near the national average of approximately $122/month. You can get an idea of rates by looking at the average cost of car insurance in Oregon.

Oregon's statewide average minimum coverage costs $58/month versus $115/month for full coverage, a gap of $57/month ($684/year). Consider how much car insurance you need when thinking about coverage and providers. With Progressive, minimum coverage costs $46/month versus $81/month for full coverage, a difference of $35/month. Oregon's minimum already includes PIP and UM/UIM, providing stronger first-party protection than most at-fault states.

Our full coverage benchmark is 100/300/100 plus comprehensive coverage and collision coverage with a $1,000 deductible. Minimum coverage still does not cover the driver's own vehicle for collision or comprehensive damage. Oregon's wildlife density (deer, elk) and winter weather make comprehensive coverage important. Use the car insurance calculator for Oregon to evaluate coverage levels.

Progressive leads Bend, Corvallis, Medford and Springfield, all smaller inland and southern Oregon cities. GEICO leads Beaverton, Eugene and Portland. COUNTRY Financial leads Gresham and Hillsboro. Travelers leads Salem. The biggest city gap in this dataset is Gresham at $131/month versus Medford at $68/month, a difference of $63/month ($756/year). Gresham is a dense eastern Portland suburb with high traffic and claims activity; Medford is a mid-size southern Oregon city with lower density and claim frequency.

Portland ($107/month) and Gresham ($131/month) are adjacent Portland metro communities but differ by $24/month, with different cheapest providers (GEICO versus COUNTRY Financial). Drivers in the Portland metro should get city-specific quotes. Hillsboro ($110/month) and Beaverton ($95/month) also vary despite being nearby. Oregon drivers can compare car insurance options across cities.

COUNTRY Financial, a regional Pacific Northwest insurer, leads standalone young drivers in Oregon at $130/month, which is $36/month below Travelers ($166/month) and $82/month below Progressive ($212/month). Progressive leads adult full coverage but is the most expensive standalone young-driver option among the top providers. Oregon families relying on their standard adult insurer for a teen policy will likely overpay.

COUNTRY Financial also leads the family policy table for most ages 16 to 18 and 20 to 24, with Progressive leading age 19. At age 25, the cheapest provider splits by gender: Travelers leads females at $183/month while Progressive leads males at $182/month. Males are $1/month cheaper at age 25, one of the rare ages where the gender gap reverses. Families should re-shop at age 19, when Progressive may briefly beat COUNTRY Financial, and again at age 25. Oregon drivers can review car insurance rates by age for additional context.

GEICO offers the cheapest car insurance for seniors as full coverage in Oregon at $94/month, which is $5/month above GEICO's adult rate of $89/month. COUNTRY Financial ranks second at $97/month; Progressive ranks third at $99/month. The top three providers cluster within $5/month of each other, making Oregon's senior market highly competitive. COUNTRY Financial, which does not offer full adult coverage, essentially ties for senior leadership at $97/month. The spread from GEICO ($94/month) to Travelers ($105/month) is $11/month ($132/year), the tightest senior top-5 range in this dataset.

State Farm leads four high-risk categories in Oregon: speeding ticket ($93/month), at-fault accident ($107/month), DUI ($93/month), and texting while driving ($93/month). The speeding, DUI, and texting rates of $93/month are close to State Farm's clean-record full coverage rate of $88/month, suggesting State Farm applies modest violation surcharges compared to other providers in this dataset. COUNTRY Financial leads bad credit at $120/month. Oregon drivers with violations need to find high-risk car insurance in Oregon.

Most violations affect rates for three years; DUI convictions carry longer surcharge periods. Oregon requires SR-22 filing after certain violations.

State Farm is the lowest-cost option after a speeding ticket in Oregon at $93/month. Travelers ranks second at $105/month. The spread from State Farm ($93/month) to GEICO ($122/month, fifth) is $29/month ($348/year). Oregon drivers with a speeding ticket should compare quotes across all five providers before renewing.

State Farm is the cheapest option after an at-fault accident in Oregon at $107/month; Travelers ranks second at $109/month, essentially tied. The spread from State Farm ($107/month) to GEICO ($148/month, fifth) is $41/month ($492/year).

State Farm is the most affordable option after a DUI in Oregon at $93/month. Progressive ranks second at $97/month. The spread from State Farm ($93/month) to Farmers ($181/month, fifth) is $88/month ($1,056/year), driven by Farmers' high post-DUI rate. Oregon drivers with DUI convictions need to file an SR-22.

State Farm is the most affordable option after a texting while driving violation in Oregon at $93/month. Progressive ranks second at $111/month. The spread from State Farm ($93/month) to GEICO ($124/month, fifth) is $31/month ($372/year). Oregon drivers with a texting violation should compare quotes across all five providers before renewing.

COUNTRY Financial is the cheapest option for Oregon drivers with poor credit at $120/month. Mutual of Enumclaw, a regional Pacific Northwest insurer, ranks second at $150/month and makes its only appearance in this analysis. The spread from COUNTRY Financial ($120/month) to Nationwide ($207/month, fifth) is $87/month ($1,044/year). Drivers with poor credit can get low income car insurance in Oregon.