Car Insurance in Oregon: How to Find the Policy That Fits You

Backed by thorough research, MoneyGeek’s guide will help you find solutions for all your car insurance needs in Oregon.

Find the Best or Cheapest Car Insurance in Oregon

To help you find the cheapst auto policy in Oregon, we have compiled the most affordable companies. MoneyGeek developed its own unique scoring system to rate insurance carriers based on cost and affordability.

To give you an idea of overall costs, MoneyGeek estimated how much you can expect to pay based on factors, such as age, driving record and more.

Let MoneyGeek’s resources assist you in searching through the many options for the cheapest and best car insurance for various types of drivers. Use the table below for a quick summary of average costs. Note that these rates are for a full coverage policy unless stated otherwise.

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  • Minimum liability: GEICO
  • Full coverage: GEICO
  • Drivers with a DUI: Progressive
  • After an accident: USAA
  • Drivers with a ticket: State Farm
  • Drivers with bad credit: GEICO
  • Senior drivers: MetLife
  • Student drivers: GEICO
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  • Overall: GEICO
  • Customer Service: The Hartford
  • On a Budget: GEICO
  • Poor Driving Record: American Family
  • Military: USAA
  • Young Drivers: GEICO
  • New Cars: Allstate
  • Low-Mileage Drivers: Metromile Auto

Get a Oregon Car Insurance Quote

In Oregon, rates from the cheapest and most expensive car insurance companies can differ by as much as $686 for the same driver. This is why it is always a good practice to shop around and compare estimates from multiple providers. MoneyGeek is here to make the process of getting estimates a hassle-free experience.


Car Insurance Laws in Oregon

Use MoneyGeek’s resources to guide you regarding Oregon’s car insurance laws and requirements. In summary, the following minimum liability insurance coverages are required by the state:

The state minimum coverage can only protect you up to these financial limits. Oregon does not require full coverage insurance, which includes comprehensive and collision coverage. You must determine how much car insurance you need based on your personal circumstances.

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Drivers with a history of traffic offenses, such as a DUI, are required to file for an SR-22 in Oregon, which serves as proof that the policy meets the state’s minimum car insurance requirements. MoneyGeek determined how much you can expect to pay in premiums with an SR-22 in Oregon, as well as how to file this form with your insurer.

Specialty Car Insurance in Oregon

For some drivers, standard auto insurance is not the right fit. Explore alternative forms of car insurance in Oregon, including non-owner insurance, temporary car insurance and low-income car insurance. Learn more about these types of specialty policies below.

MoneyGeek Specialty Car Insurance Resources


Non-owner car insurance

This is an ideal option for drivers in Oregon who do not own a car but regularly borrow or rent cars and need proof of insurance.


Temporary car insurance

If a driver needs coverage for less than six months, the cheapest option is temporary car insurance in Oregon by purchasing regular insurance (and canceling it early) or rental car insurance.


Car insurance for low-income drivers

Not all states have programs to support low-income drivers, but low-income drivers in Oregon can still save on car insurance by using MoneyGeek’s recommendations.

About the Author


Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.