Compare Car Insurance Rates in Oregon

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Cheap Car Insurance Oregon: Full and Minimum Coverage

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  • Car insurance in Oregon averages out to $68 each month for minimum-coverage policies and $136 per month for full coverage.
  • State Farm provides the lowest average prices to Oregon drivers for both full and minimum coverage.
  • High-risk drivers with at-fault accidents, speeding tickets, and DUI violations on their driving records usually get charged more for Oregon car insurance.

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The cheapest car insurance in Oregon typically comes from State Farm, which offers an average rate estimate of $41 per month for minimum coverage. Country Financial usually has the second-cheapest insurance for Oregon drivers, making it a strong choice as well.

Our team looked through cost data, coverage choices, customer reviews, and industry reputations to determine which providers offer the best car insurance in Oregon. We’ll run through each provider’s average costs to show where you can find high-quality and affordable insurance across the Beaver State.

Best Car Insurance Rates in Oregon

State Farm, Country Financial, USAA, and GEICO tend to offer the cheapest auto insurance rates for Oregon drivers. It’s best to get quotes from multiple providers to figure out which one has the lowest prices for your specific car.

  • Our researchers used cost data from Quadrant Information Services to find insurance premium estimates for different coverage types, driver profiles, and cities in Oregon. We used this data to determine the cheapest coverage options from quality car insurance providers, and you’ll find details in tables throughout the article.
  • To determine an overall rating for each of the best car insurance companies, our team considers not only affordability but also industry standing, availability, and coverage options. We then factor in the customer experience and online reviews to establish a numerical rating out of the highest possible score of 5.0.
  • Unless stated otherwise, estimates reflect the profile of a 35-year-old driver with a clean driving record and good credit history.
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Oregon Car Insurance Rates at a Glance

While you’ll find detailed cost estimates below, we’ve listed out the cheapest car insurance companies in Oregon for a few driver profiles right here:

  • Cheapest full coverage: State Farm followed by Country Financial
  • Cheapest minimum coverage: State Farm followed by Country Financial
  • Cheapest for teen drivers: Country Financial followed by State Farm
  • Cheapest for drivers with a traffic violation: State Farm followed by Travelers

Cheapest Car Insurance Companies in Oregon

Below are the auto insurance providers that offer Oregon’s best combination of reasonable rates and high-quality plans. State Farm has the Beaver State’s cheapest car insurance prices overall and received the highest score of any company we researched.

Car Insurance ProviderOverall RatingAverage Monthly Rate: Minimum CoverageAverage Monthly Rate: Full CoverageNumber of Discounts
State Farm4.7$41$8712
Country Financial4.2$45$10411

Cheapest Car Insurance Coverage in Oregon

The cheapest car insurance in Oregon will most likely be a minimum-liability coverage policy. While this will meet the state’s car insurance requirements, it won’t protect your own car or take care of personal bodily injuries.

Getting a full-coverage plan will keep your vehicle safe and cover personal medical expenses. This will cost significantly more than minimum coverage but could reduce bills if you get into an at-fault accident. Note that auto lenders and leaseholders will likely require you to purchase full coverage for your new car.

Cheapest Minimum-Liability Car Insurance in Oregon

The average rate estimate for a minimum-coverage policy in Oregon is $68 per month or $816 per year. State Farm tends to offer the cheapest minimum-liability policies with estimates of $41 per month or $492 per year.

Car Insurance ProviderAverage Monthly Rate for Minimum CoverageAverage Yearly Rate for Minimum Coverage
State Farm$41$490
Country Financial$45$541
Oregon Mutual$73$873

Cheapest Full-Coverage Car Insurance in Oregon

In Oregon, the average rate for full-coverage auto insurance is $136 per month or $1,632 each year. Again, State Farm offers the cheapest average rate estimates for full-coverage insurance at $87 per month or $1,044 per year.

Car Insurance ProviderAverage Monthly Rate for Full CoverageAverage Yearly Rate for Full Coverage
State Farm$87$1,044
Country Financial$104$1,248
Oregon Mutual$123$1,476

Oregon Car Insurance Quotes by Driver Profile

Your coverage rates for car insurance in Oregon won’t be the same as what’s listed above. That’s because auto insurance providers base individual premiums on several variables. Your age, driving record, and location in the state of Oregon all contribute to what you’ll pay for car insurance.

Six icons representing the most influential factors in the cost of car insurance premiums, including coverage choices, driving history, age, credit score, deductible, and location.

Cheapest Car Insurance in Oregon: Age

Age is one of the largest factors in setting the price of car insurance. Young drivers and especially teen drivers regularly pay far more for auto coverage than those in other age groups. The table below has average rate estimates for Oregon drivers of various ages:

Driver AgeAverage Monthly Rate for Minimum CoverageAverage Monthly Rate for Full Coverage

Cheapest Car Insurance in Oregon: High-Risk Drivers

Your driving history is another key component in Oregon auto insurance rates, as safe drivers with clean records often receive cheaper car insurance coverage. Any at-fault accidents or traffic violations such as speeding tickets can result in far higher premiums.

How much your driving record impacts monthly costs will change based on the car insurer. Below is a list of Oregon’s top providers and their minimum-coverage rate estimates for good drivers versus for those marked as risky.

Car Insurance ProviderAverage Monthly Rate for Clean Driving RecordsAverage Monthly Rate for High-Risk Drivers
State Farm$41$47
Country Financial$45$66
Oregon Mutual$73$102

Car Insurance Rates in Oregon: Speeding Ticket

A single speeding ticket can make your premiums go up significantly. For Oregon drivers, State Farm usually offers the cheapest car insurance after a speeding ticket with an average rate estimate of $44 per month or $528 per year. USAA also has relatively low prices for motorists whose recent driving history includes a speeding ticket.

Car Insurance ProviderAverage Monthly Rate After a Speeding TicketAverage Yearly Rate After a Speeding Ticket
State Farm$44$529
Country Financial$60$723
Oregon Mutual$80$964

Car Insurance Rates in Oregon: At-Fault Accident

Drivers will almost certainly face higher rates after they’re found at fault for a car accident. State Farm generally offers the cheapest coverage after a recent accident in Oregon, with an average rate estimate of $52 per month or $624 per year. Travelers and Country Financial have relatively affordable coverage for drivers with an at-fault accident as well.

Car Insurance ProviderAverage Monthly Rate After an At-Fault AccidentAverage Yearly Rate After an At-Fault Accident
State Farm$52$624
Country Financial$68$816
Oregon Mutual$94$1,128

Car Insurance Rates in Oregon: DUI

A violation for driving under the influence (DUI) could easily make your auto insurance premiums skyrocket. For Oregon motorists with a DUI on their record, State Farm offers average estimates of $44 per month or $528 per year. Country Financial and Travelers also offer some of the lowest car insurance rates for these drivers.

Car Insurance ProviderAverage Monthly Rate After a DUIAverage Yearly Rate After a DUI
State Farm$44$528
Country Financial$71$852
Oregon Mutual$133$1,596

Average Cost of Car Insurance in Oregon

The average cost of car insurance in Oregon comes out to $816 per year for minimum-liability insurance and $1,632 annually for full coverage. These rates are almost 31% higher than the national average for minimum coverage but 14% less for full-coverage policies.

Average Car Insurance Cost in Oregon by City

Your location in Oregon has a big impact on the auto insurance premiums you’ll be charged. Potential risk factors like population density, crime rates, and weather patterns vary between ZIP codes, causing car insurance rates to change as well. The table below shows the average cost of car insurance across some of Oregon’s largest cities.

Cities in OregonAverage Monthly Rate for Minimum CoverageAverage Monthly Rate for Full Coverage
Oregon City$81$150
Lake Oswego$75$142
Grants Pass$55$122

Oregon Minimum Car Insurance Coverage

According to Oregon law, every driver must either meet or exceed the following state minimum  requirements:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident
  • $25,000 underinsured/uninsured motorist bodily injury coverage per person
  • $50,000 underinsured/uninsured motorist bodily injury coverage per accident
  • $15,000 personal injury protection (PIP)

Liability insurance, uninsured motorist coverage, and PIP are helpful, but they don’t protect against everything. Experts and insurance agents recommend going beyond the requirements set by the Oregon Department of Motor Vehicles (DMV) because higher limits offer far greater financial protection.

If you have collision coverage and comprehensive coverage, you won’t need to worry as much about theft, vandalism, car accidents, and severe weather. That’s because car damages caused by these events will be fully covered after you pay your deductible.

Cheap Car Insurance in Oregon: Conclusion

The cheapest car insurance in Oregon commonly comes from State Farm, which has average rates of $41 per month. It’s best to compare auto insurance quotes from multiple providers, though, to find out if you could receive more affordable rates elsewhere.

You may want to consider purchasing a full-coverage car insurance policy. The best rates we found for full coverage came in as low as $87 per month through State Farm. More coverage often comes with higher prices but much greater financial protection and peace of mind.

Best Car Insurance in Oregon: Recommended Providers

While certain companies are recognized for having reasonable car insurance premiums in Oregon, you’ll need to get auto insurance quotes from various providers to find the best rates. We suggest considering State Farm and Country Financial as you search for the top car insurer in Oregon.

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State Farm: 4.7 out of 5.0

State Farm ranked as the Best Overall provider in our 2023 insurance study due to its low costs and excellent service. The car insurer has the cheapest average rates for both full- and minimum-coverage plans in the Beaver State, and by a considerable margin. Drivers often appreciate the personal touch that comes from State Farm’s wide spread of local agents.

Keep reading: State Farm insurance review

Country Financial: 4.2 out of 5.0

Country Financial isn’t the largest provider of auto insurance coverage in Oregon, but it ranks as one of the best. That’s in large part due to the reasonable rates that drivers typically receive for coverage. Add onto that Country Financial’s 11 car insurance discounts and there’s a good chance that you’ll save on coverage by picking the provider.

Cheapest Auto Insurance in Oregon: FAQ

Which company gives the cheapest car insurance?

State Farm generally offers the cheapest car insurance when it comes to national averages. Drivers in Oregon tend to find their lowest premiums from State Farm and Country Financial.

How much is car insurance per month in Oregon?

The average cost of car insurance per month in Oregon is $68 for a minimum-coverage policy and $136 for full coverage. Our research team found rates in Oregon as low as $41 per month for minimum coverage and $87 for a full-coverage policy.

How to reduce car insurance in Oregon?

The quickest ways to reduce your car insurance cost in Oregon are by lowering your amounts and types of coverage, increasing your deductible, and seeking out driver discounts. Improving your credit score, following safe driving practices, and bundling protection with homeowners or renters insurance are long-term ways to get lower rates.

How much is car insurance on average in Oregon?

Car insurance in Oregon averages out to $816 per year for minimum-coverage policies and $1,632 annually for full coverage.

Is it illegal to drive without insurance in Oregon?

Yes, it is illegal to drive without proof of insurance in Oregon. Expect to receive a misdemeanor if you’re caught driving without coverage and current registration. It’s possible that you could be fined, lose permission to drive, or even have your vehicle impounded.

Is it cheaper to pay car insurance every six months or monthly?

You’ll typically get charged less if you cover your car insurance policy every six months rather than on a month-to-month basis. Many auto insurers give discounts for paying policies upfront, though this savings opportunity isn’t offered everywhere.

Our Methodology

Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.

  • Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.
  • Coverage: Because each consumer has unique needs, it’s essential that a car insurance company offers an array of coverage options. We take into account types of insurance available, maximum coverage limits, and add-on policies.
  • Industry Standing: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.
  • Availability: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.
  • Customer Service: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.
  • Online Experience: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.

*Data accurate at time of publication.