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: November 12, 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 ranks as the best home insurance company in Oregon. It’s known for great customer service and affordable rates, placing second in price and first in satisfaction within the state. According to J.D. Power, its performance for claims and overall satisfaction is about average nationwide.
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 ranks third for affordability in the state but leads for coverage options. The insurer offers unique add-ons like enhanced roof replacement benefits and the ability to double your dwelling coverage limits. It also delivers solid customer service, ranking eighth overall and fifth in claims satisfaction per 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 put together a simple guide to help you choose the right coverage that works best for your needs.
- 1Know Your Coverage Needs
Before picking a home insurance policy, decide how much protection you need. Consider your home’s value, your belongings and any local risks that could affect your coverage.
- 2Research Costs and Discounts
Check average home insurance costs in Oregon to get a sense of pricing. Look for discounts you might qualify for, such as bundling policies or installing safety devices, to help lower your premium.
- 3Find the Best Providers for You
After reviewing coverage and costs, narrow your options to find the best and cheapest home insurance in Oregon. Look into customer service ratings, pricing that fits your needs and coverage add-ons that give you extra protection.
- 4Compare Multiple Providers
Compare quotes from several sources to find the best deal. Use both online tools and local agents since prices can vary depending on how you request a quote.
Best Homeowners Insurance in Oregon: Bottom Line
American Family, State Farm and Nationwide are among the top-rated homeowners insurance companies in Oregon. Compare these and other options to find the policy that gives you solid protection without overspending.
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.