Cheapest Car Insurance in Oregon for 2026

Progressive is the cheapest and best car insurance company in Oregon for drivers who want full coverage ($89 a month) and after a DUII violation ($107 a month). 

State Farm is the least expensive for minimum coverage in Oregon and $43 per month, but it's also cheapest after a speeding ticket ($107 a month). 

COUNTRY Financial is cheapest for Oregon teens ($114–154 a month), young adults ($88 a month), seniors ($69 a month) and drivers with bad credit ($128 a month).  

The carrier price range among the cheapest companies in Oregon is only $12 per month, so adjusting your coverage level has more impact than switching carriers in this state. Comparing quotes and searching for discounts should still be your first steps toward lowering costs before dropping coverage.

Cheapest Minimum Coverage in Oregon

State Farm is Oregon's cheapest minimum coverage insurer at $43 a month, $3 less than the second-cheapest option, GEICO. State Farm also ranks slightly better than GEICO in Oregon, so drivers who want minimum coverage won't have to sacrifice quality for affordability with State Farm.

Cheapest Full Coverage in Oregon

Progressive is cheapest for full coverage at $89 a month, $1 less than Travelers at $90. Oregon's five cheapest full coverage companies range within $12 of each other. For adults with a clean record in Oregon, coverage level influences price more than carrier choice. Although dropping coverage can save you money each month, being underinsured could leave you vulnerable to paying hundreds or thousands out of pocket.

How to Choose Between Minimum and Full Coverage in Oregon

If your car is newer, leased, or financed and not fully paid off, you should get full coverage in Oregon.

In a state like Oregon where the difference between the cheapest full and minimum coverage options is pretty wide ($552 per year), it's tempting to drop coverage. However, experts would caution against this. Minimum coverage insurance doesn't include collision and comprehensive, which pays for damages to your own vehicle from an at-fault accident, animal collision or weather event. Animal-vehicle accidents are highly common in Oregon, especially in rural and forested counties. Without full coverage, you have to pay for those damages out of pocket.

As a general rule, you can drop full coverage if the cost of an annual policy is 10% or more than the actual cash value of your vehicle. One exception is if you lease or finance your car; full coverage is required in these cases.

COUNTRY Financial is cheapest in Oregon for both male and female drivers from ages 16 through 25 years old, ranging $154 a month to $54 a month. It costs more to add a teen male driver to a family policy than a female driver, roughly $30 difference at each age until it starts to taper off at 25. 

Although these rates drop steadily year after year for young drivers, ages 19 and 25 see increases — so switching companies at 19 and 25 may not be the best financial move.

If you're worried about a company's ability to handle claims with a teen on your policy, try quoting GEICO and Progressive; both insurers may be slightly more expensive for teens in Oregon, but their service quality is rated higher.

COUNTRY Financial is the cheapest for Oregon senior drivers at $69 a month. Seniors who value customer service and support in handling claims may consider paying $21 a month more for the second-cheapest company, GEICO. In Oregon, GEICO offers defensive driving discounts and telematics programs to seniors, helping to save money on car insurance.

State Farm is the cheapest insurer in 13 Oregon cities, but GEICO has the lowest rates for every city in the Portland metro area (Portland $52 a month; Hillsboro $63 a month; Gresham $75 a month; Tigard $45 a month; West Linn $42 a month), Eugene ($39 a month) and Salem, the state's capital, at $51 a month. The full spread across Oregon cities is $43 a month, from Corvallis at $32 to Gresham at $75, with different cheapest carriers at each end.  

Before dropping comprehensive coverage in the Portland area, note that vehicle theft rates are higher in the metro corridor than in inland Oregon. That price-plus-risk combination makes dropping comprehensive coverage harder to justify in Portland than in Bend.

State Farm is the cheapest company in Oregon after getting a ticket for speeding or texting while driving, both priced at $107 a month. 

After a DUII (driving under the influence of intoxicants) conviction in Oregon, the cheapest car insurance comes from Progressive, charging $107 a month. Progressive will also file an SR-22 for you, which you'll have to keep on file for three years. 

After an at-fault accident in Oregon, Travelers is the cheapest at $118 a month. 

Quote State Farm, Progressive and Travelers right after your violation if your current insurer drops you, as soon as your license is revoked, or a month before your renewal window if your current insurer keeps you, whichever situation applies to you. Re-shop companies after three years to find which ones will give you rates closest to a clean-record driver. Some insurers won't drop the violation surcharge until year five.

Drivers with poor credit should quote COUNTRY Financial first, as it's the cheapest at $128 a month. In Oregon, having bad credit can lead to more expensive premiums than a DUII or at-fault accident. Working to improve your credit score should be your number one action to save money on car insurance.