Oregon's best home insurance companies are American Family, State Farm, Nationwide, Capital Insurance Group and Allstate. American Family excels in coverage and customer service, while Capital Insurance Group is the most affordable. Compare all our top picks below.
Best Homeowners Insurance in Oregon
Updated: October 23, 2025
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Key Takeaways
According to our 2025 research, the top three home insurance providers in Oregon are American Family, State Farm and Nationwide.
American Family offers the best overall home insurance for most Oregon homeowners. For newer homes, State Farm could be a more suitable option.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Who Are the Best Home Insurance Companies in Oregon?
| American Family | 93 | 2 | 1 | 2 |
| State Farm | 92 | 4 | 2 | 3 |
| Nationwide | 90 | 3 | 3 | 1 |
| Capital Insurance Group | 70 | 1 | 5 | 5 |
| Allstate | 70 | 5 | 4 | 3 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
Our rankings show the best overall home insurance providers, though individual needs or property types can lead to different choices. Check out our top picks across key categories.
| American Family | 93 | Overall |
| American Family | 93 | Older Homes |
| American Family | 92 | Newer Homes |
| American Family | 93 | High-Fire-Risk Areas |
| American Family | 93 | Bad Credit |
| American Family | 93 | With Claims History |
Best Oregon Home Insurance by City
Home insurance provider rankings in Oregon cities vary widely due to affordability, customer service and available add-on coverages.
State Farm ranks best in Eugene, while American Family leads in Gresham, Hillsboro, Portland and Salem. We outline the top overall providers for each city to help you choose the right option locally.
| Eugene | State Farm | 93 |
| Gresham | American Family | 93 |
| Hillsboro | American Family | 93 |
| Portland | American Family | 93 |
| Salem | American Family | 93 |
Best Oregon Home Insurance Reviews
Leading home insurance providers in Oregon excel in affordability, customer service and comprehensive coverage options.
Capital Insurance Group: Best for Affordability
Capital Insurance Group is the most affordable Oregon home insurance provider, though it ranks lowest for both coverage and customer service in the state.
It has unique coverage options like service line coverage for underground utilities, complimentary identity theft protection and optional home cyber protection to enhance your home's security.
Data filtered by:
$100K Dwelling / $50K Personal Property / $100K Liability
1000
Below Fair
1 claim in past 5 years
| Newer Homes | $67 | $804 |
| Newer Homes in High-Fire-Risk Areas | $82 | $984 |
| Older Homes | $120 | $1,443 |
| Older Homes in High-Fire-Risk Areas | $147 | $1,765 |
American Family: Best for Customer Service
American Family is the top home insurance provider overall for Oregon, mainly due to its second-place ranking for affordability and top ranking for customer service in the state. It's around the national average according to J.D. Power for both claims and customer satisfaction.
Data filtered by:
$100K Dwelling / $50K Personal Property / $100K Liability
1000
Below Fair
1 claim in past 5 years
| Newer Homes | $60 | $723 |
| Newer Homes in High-Fire-Risk Areas | $60 | $723 |
| Older Homes in High-Fire-Risk Areas | $93 | $1,111 |
| Older Homes | $93 | $1,111 |
Nationwide: Best for Coverage
Nationwide is the third-most affordable option for home insurance in the state, although it takes the top spot for coverage in our study. Its extensive coverage includes unique add-ons like better roof replacement and doubling dwelling coverage limits. Nationwide's customer service is also strong, ranking eighth overall and fifth in claims satisfaction, according to J.D. Power.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
1000
Good
Claim free for 5+ years
| Newer Homes | $34 | $414 |
| Newer Homes in High-Fire-Risk Areas | $38 | $452 |
| Older Homes | $76 | $911 |
| Older Homes in High-Fire-Risk Areas | $83 | $994 |
How to Find the Best Home Insurance in Oregon
We’ve produced a step-by-step guide to help you find the coverage that fits your needs perfectly.
- 1Determine your coverage needs
Before choosing a home insurance policy, decide on the coverage level you need. Think about your home's value, the personal belongings inside and local risk factors that might affect your coverage.
- 2Research costs and discounts
Figure out how much home insurance costs in Oregon to see if providers offer savings. Check for discounts you qualify for, such as bundling or installing safety devices, to maximize your premium savings.
- 3Find the best providers for you
After researching coverage and costs, narrow your search for the best and cheapest home insurance in Oregon. Evaluate customer service ratings, pricing tailored to your needs, and suitable coverage add-ons.
- 4Compare multiple providers through all means
With your research complete, compare providers to find the best option. Check quotes through various methods, as online estimates may differ from those given by brokers or agents over the phone.
Best Homeowners Insurance in Oregon: Bottom Line
American Family, State Farm and Nationwide are the best-rated homeowners insurance providers in Oregon. Researching and comparing options can help you find the best fit for your needs.
Best Home Insurance in Oregon: FAQ
Explore our FAQ section for straightforward answers to help you choose the right home insurance provider.
Which company is best for home insurance in Oregon?
American Family is the best homeowners insurance provider in Oregon, featuring a mix of affordability, excellent customer service, and comprehensive add-on coverages. State Farm, Nationwide, Capital Insurance Group and Allstate are also top-rated alternatives in Oregon.
Who has the most affordable homeowners insurance in Oregon?
The most affordable homeowners insurance in Oregon varies based on individual circumstances and coverage needs. In Oregon, the average cost of homeowners insurance is $653 annually.
How do you get the best homeowners insurance in Oregon?
To find the best home insurance in Oregon, determine your coverage needs, review insurer ratings and costs, and compare quotes from several companies.
How We Decided the Best Home Insurance in Oregon: Our Methodology
We rated the best homeowners insurance providers in Oregon using the following criteria:
- Affordability (55%): Providers earned higher scores if they offered lower premiums across multiple factors. We also reviewed the range of discounts available.
- Customer satisfaction (30%): Scores were based on ratings from Trustpilot, app reviews, and industry sources such as J.D. Power. These included feedback on the buying process, policy management, and claims handling.
- Coverage (15%): We evaluated the number of add-on options, unique features, and statewide availability.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.