Cheapest Car Insurance in Oregon

Compare the cheapest rates by company in Oregon based on your age and driving history to get the lowest rate. 

Cheapest by coverage type

• Full coverage: Progressive, $79
• Minimum coverage: State Farm, $37

Cheapest by driver age

• Teen drivers (16): COUNTRY Financial, $90
• Young drivers (25): State Farm, $41
• Seniors (65+): GEICO, $47

Cheapest by driving record and credit score

• Speeding ticket: State Farm, $41
• At-fault accident: State Farm, $48
• DUI: State Farm, $41
• Bad credit: COUNTRY Financial, $58

Rates refreshed: November 13, 2025

Oregon drivers pay the least with State Farm's minimum coverage at $37 monthly ($433 yearly), or 17% below the state average. GEICO is also a low-cost option at $42 monthly ($499 yearly), slightly below the state average cost.

Oregon requires $25,000 for bodily injury per person, $50,000 per accident and $20,000 for property damage (25/50/20), plus $15,000 in personal injury protection coverage. 

See our guide to how much car insurance you need.

For the cheapest full coverage car insurance in Oregon, Progressive is the cheapest provider at $79 a month, beating the state average by 9%. Travelers offers similar rates at $79 monthly and State Farm is a low-cost option with a great reputation at $85 monthly.

Should you opt for cheaper minimum coverage or full coverage in Oregon? Full coverage protects both the other driver and your own vehicle. It combines your liability policy with comprehensive coverage (storms, theft, vandalism) and collision coverage (repairs from accidents you cause). 

Most drivers in Oregon should opt for full coverage so they don't have to pay out-of-pocket for their car repairs, unless they have a very low vehicle value.

Drivers in Oregon see the cheapest monthly minimum coverage costs ranging from $32 in Corvallis to $75 in Gresham, while the cheapest full coverage costs range from $68 in Medford to $137 in Gresham. 

GEICO offers the lowest cost in the state’s biggest cities, but State Farm and Progressive are the cheapest in some other cities, and will save you up to 31% depending on where you live.

For a 16-year-old teenager in Oregon, COUNTRY Financial offers the most affordable minimum coverage at $90 monthly and full coverage at $179 monthly. By age 25, rates decline, with State Farm providing the cheapest minimum at $41 monthly and Progressive offering the lowest full coverage at $91 monthly. Young drivers can lower costs by staying on their parents' policy.  Also see our guide to the cheapest cars to insure for teens.

GEICO offers the cheapest minimum coverage for seniors at ages 65 and 90 ($47 and $49 monthly), while State Farm is cheapest at ages 70 and 80 ($38 and $47 monthly). Full coverage varies by age, with GEICO cheapest at ages 65 and 90 ($94 and $98 monthly), while COUNTRY Financial offers better rates at ages 70 and 80 ($81 and $95 monthly). See our guide to how seniors can get the cheapest rates.

For Oregon drivers with DUI convictions, State Farm offers the most affordable rates at $41 monthly for minimum coverage and $94 for full coverage. Progressive is another affordable choice at $54 monthly for minimum coverage and $98 for full coverage.

After an accident in Oregon, State Farm offers the most affordable rates at $48 monthly for minimum coverage and $107 for full coverage. Progressive and COUNTRY Financial provide alternatives. At-fault accidents will increase your premium, but the penalty in Oregon is only 10% to 25% and State Farm is your best option as they have low rates and highly-rated service and claims processes.

Oregon measures violations over a 24-month period, so an accident stops affecting your point accumulation after two years. You will get cheaper rates two to three years after your accident rolls off your record.

After a speeding ticket in Oregon, State Farm provides the most affordable minimum coverage at $41 monthly and full coverage at $94 monthly. GEICO and COUNTRY Financial offer competitive alternatives at $56 monthly for minimum coverage.  See our tips on how to lower your rates with a bad driving record.

Oregon speeding violations add points to your driving record, with higher speeds resulting in more points. Many insurers provide violation forgiveness programs that protect your rates after a first minor speeding ticket. Consider enrolling in a defensive driving course to remove points from your record and potentially qualify for insurance discounts.

For Oregon drivers with bad credit, COUNTRY Financial has the most affordable rates at $58 monthly for minimum coverage and $120 for full coverage. Dairyland follows as the next cheapest at $75 monthly for minimum coverage and $236 for full coverage. Oregon does allow insurers to use credit scores to set rates.  Improving your credit score is one of the best strategies to get cheaper rates in Oregon.

Oregon's wet winters, wildfire season and congested metro areas create higher insurance costs.  These strategies will help you get cheaper rates:

• Compare quotes from at least three Oregon insurers to get the lowest rates. The quote tables above will give you the lowest cost providers where you should shop.
• Oregon's minimum coverage will give you the lowest rates. If you don't need comprehensive and collision coverage, you will save $40 or more per month.
• Increase deductibles from $500 to $1,000 on full coverage to lower your premium, especially if you have good emergency savings for weather-related claims.
• Oregon homeowners should bundle home and auto, which will drop rates on both policies (often by 20%+ for homes in fire-prone areas).
• Apply common discounts like good driver, multi-car, paperless billing, and automatic payment.

See our car insurance discounts guide and how to lower your car insurance rate for more options.

We gathered auto insurance data from the Oregon Division of Financial Regulation and analyzed quotes from major insurers across all residential ZIP codes in Oregon. Our analysis included more than 38 million rate comparisons in Oregon to find the cheapest options for different driver profiles, coverage types, and demographics. For detailed information on our research methodology, see our complete methodology guide.