Cheapest Car Insurance Quotes in Oregon (2026)

Cheapest car insurance quotes in Oregon

Auto insurance is typically cheaper in Oregon compared to the rest of the country. Oregon drivers pay an average of $115 per month, compared to the national average of $136.

Liability coverage in Oregon averages $90 per month, and full coverage averages $140. The table below shows Oregon’s cheapest companies for different coverage and driver types, according to Insurify data.

Driver Category	Cheapest Insurance Company in OR	Cheapest Monthly Quote in OR
Overall	State Farm	$71
State-minimum coverage	State Farm	$71
Full coverage	Mile Auto	$88
Drivers with a clean record	State Farm	$71
After a speeding ticket	Mile Auto	$93
After an at-fault accident	State Farm	$96
After a DUI	Sun Coast	$94
Teen/new drivers	State Farm	$144
Seniors	State Farm	$55
Bad credit	Mile Auto	$90

Disclaimer: Table data is based on real-time Oregon quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Cheapest liability-only car insurance in Oregon: State Farm

Oregon law requires all drivers to have a liability policy with minimum limits of 25/50/20. You also need at least $15,000 of personal injury protection (PIP) and $25,000 of uninsured motorist coverage.^[1]

In Oregon, minimum coverage typically costs an average of $90 per month. But you may be able to find cheaper coverage.

If cost is your primary concern, these companies typically offer the best prices in Oregon for liability-only coverage.

The below rates in Oregon are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Average Monthly Quote
State Farm	$71
Mile Auto	$73
Sun Coast	$77
USAA	$84
National General	$88
GEICO	$90
Progressive	$92
Bristol West	$98
Safeco	$101
The General	$104
Dairyland	$105
COUNTRY Financial	$106
Direct Auto	$119
Root	$121
American Family	$121
Nationwide	$126
Allstate	$139
Farmers	$165
Liberty Mutual	$168
GAINSCO	$171
Travelers	$203

Disclaimer: Table data sourced from real-time Oregon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oregon may vary based on the policy buyer's unique driver profile.

Agent Tip: Is liability-only insurance enough in Oregon?

Britney Balk

Customer Service Supervisor, Insurify

State-minimum car insurance usually isn’t enough coverage if you cause a serious car accident. Repair costs and medical bills can quickly exceed Oregon’s 25/50/20 limits.

Let’s say you have liability-only coverage and cause $50,000 worth of damage to another vehicle. Your insurance would cover only $20,000, and you’d have to pay the remaining $30,000 out of pocket. Higher limits and options like comprehensive and collision coverage can help protect your finances.

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Cheapest full-coverage car insurance in Oregon: Mile Auto

Nearly 25% of Oregon drivers are still paying off or leasing their vehicles. Lenders generally require you to have full-coverage car insurance because it provides better protection for their investment.

For example, full coverage helps pay to fix your car if you hit a deer or cause an accident, but minimum coverage won’t.

Full coverage is usually more expensive, but some companies offer it for a reasonable price. The table below shows Oregon’s cheapest insurers for full coverage, according to Insurify data.

The below rates in Oregon are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Average Monthly Quote
Mile Auto	$88
State Farm	$92
USAA	$109
GEICO	$117
COUNTRY Financial	$138
Safeco	$142
American Family	$157
National General	$160
Nationwide	$163
Root	$176
Allstate	$180
Bristol West	$181
The General	$182
Sun Coast	$186
Direct Auto	$186
Liberty Mutual	$207
Farmers	$214
Dairyland	$230
Travelers	$263
GAINSCO	$313

Disclaimer: Table data sourced from real-time Oregon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oregon may vary based on the policy buyer's unique driver profile.

Best cheap car insurance companies in Oregon

Oregon drivers have no shortage of auto insurance companies to choose from. To make your search easier, we found some of the best car insurance companies in Oregon for different drivers. We picked these insurers based on a combination of their average rates, customer reviews, and coverage offered.

Mile Auto: Best for senior drivers in Oregon

senior drivers in Oregon

Compare Quotes

User Reviews	4.5 66 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.8 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$73/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$88/mo

Details

Driver Reviews

4.5

Best choice in OregonBased on 193 verified driver reviews and ratings

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify

Best in Oregon for

Low-mileage drivers

Senior drivers

Cheap full coverage

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify

Best in Oregon for

Low-mileage drivers

Senior drivers

Cheap full coverage

Showing recent national reviews - See all 66 Mile Auto reviews

Olanrewaju

Verified Purchase

Reasonable coverage.

Reviewed in Georgia on March 17, 2026

So far, it has been very good.

Leroy

Verified Review

Why was I canceled?

Reviewed in Texas on February 9, 2026

1/14/26: Liked what I saw and purchased Auto Insurance. 1/29/26: Received an email requesting a "Physician's opinion statement." I did not see this requirement in the many pages of fine print. Was given 30 days to submit. 1/31/26: Via email, I requested information on how to cancel my policy and stated that I do not release medical data to anyone. I did not request the policy be canceled. 2/01/26: Relented. 2/03/26: Hand-delivered request to primary care doctor and made an appointment for an Ophthalmologist for 02/10/26. 2/07/26: Received a USPS letter from MileAuto stating the policy would be canceled effective 3/01/26. The reason given was that "Policy no longer meets underwriting requirements." I have no idea what requirements this refers to.

Ronald

Verified Purchase

Monthly Insurance for the Price of Takeout

Reviewed in Ohio on January 11, 2026

I don't drive much, so it makes sense to me. I feel like I would like to have more coverage than just liability. I know they offer more coverage.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

2.18

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

NR

Why we picked this company

Seniors make up nearly one-fifth of Oregon’s population.^[2] Older drivers tend to travel fewer miles, except maybe for trips to Cannon Beach and Crater Lake.^[3] If you drive less than 10,000 miles per year, Mile Auto could be cheaper than a typical car insurance premium. The company offers pay-per-mile insurance, so you pay only for the miles you drive.

Pros

• Cheap rates in Oregon

• Pay only for the miles you drive, plus a monthly base rate

• Doesn’t require you to install any devices in your car

Cons

• Must submit odometer photos every month

• Doesn’t offer as many discounts as some competitors

• Smaller company with fewer customer reviews

State Farm: Best for cheap rates in Oregon

cheap rates in Oregon

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User Reviews	4.0 7,299 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$71/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$92/mo

Details

Driver Reviews

4.0

Best choice in OregonBased on 16,551 verified driver reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Oregon for

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Oregon for

Customer service

Competitive rates

Discounts for safe drivers

Showing 30 reviews from Oregon drivers - See all 7,299 State Farm reviews

Gloria

Verified Review

Friendly staff

Reviewed in Oregon on March 11, 2026

Very polite and friendly staff. They always answer my questions.

Lee

Verified Review

Excellent

Reviewed in Oregon on March 10, 2026

A little higher than some, but I’ve never had to use it, which is a blessing.

Trudi

Verified Review

Best Coverage for the Best Cost

Reviewed in Oregon on March 8, 2026

My agent is easy to get in contact with and has always been helpful with whatever questions or concerns I have had.

Beverly

Verified Review

Very rough for a widow of almost 86.

Reviewed in Oregon on February 9, 2026

Claims are fast, and the local agent Aaron is very helpful. However, the prices are way too high for a widow on social security only, which is why I have to look for cheaper insurance. How can I afford $928.00 for 6 months? I can't, but I'm sorry when I only make $1,728.00 a month.

Nadine

Verified Review

Quick and easy although until I verify a few things

Reviewed in Oregon on February 8, 2026

I always refer friends to State Farm; they've always had my back.

Deborah

Verified Review

Frustrated with Policy Cancellation

Reviewed in Oregon on January 27, 2026

They are canceling my policy, so I'd give them a zero! I've had a great record for 50 years. No tickets, no accidents, always paid on time, good credit score, CDL for 30 years. I had an accident where I was an innocent bystander. It totaled my car of 18 years. It hurt! Then I got a different car, and it got keyed. So I turned it in. Had no idea it was strike three, you're out. I'm hurt, I'm angry. I paid $93 a month for full coverage, including renters. Now I'm looking at $400 a month or just liability. No renters! I won't ever refer anyone to them. I've taken two sons and my granddaughter. I hope they go elsewhere. Everyone says State Farm is notorious for this.

Bruce

Verified Review

I am paying too much for the miles I drive.

Reviewed in Oregon on January 18, 2026

The insurance is great; no other company can beat it. I just think I'm paying too much for the miles I drive per year. I only drive under 5,000 miles a year, and I am paying for 15,000 miles or more for a year.

Cathie

Verified Review

Excellent

Reviewed in Oregon on January 8, 2026

Could use lower cost.

Judy

Verified Review

Good

Reviewed in Oregon on January 3, 2026

Average insurance, higher price, and no first accident forgiveness.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

State Farm is the largest insurer in Oregon, covering 20% of all passenger cars in the state.^[4] It’s a good choice if you want to work with a local company, as there’s an insurance agent in nearly every community in the Beaver State.

Pros

• Cheap average rates for Oregon drivers

• Highly rated for customer satisfaction in the Pacific Northwest region

• Fewer customer complaints than average

Cons

• Accident forgiveness not available

• Poor Truspilot reviews

• Fined in 2024 by the Oregon Division of Financial Regulation^[5]

USAA: Best for veterans in Oregon

veterans in Oregon

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User Reviews	4.9 1,517 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$84/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$109/mo

Details

Driver Reviews

4.9

Best choice in OregonBased on 3,317 verified driver reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best in Oregon for

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best in Oregon for

Members of the military community

Outstanding customer service

Competitive rates

Showing 12 reviews from Oregon drivers - See all 1,517 USAA reviews

Scott

Verified Review

USAA Customer

Reviewed in Oregon on March 16, 2026

Two accidents in the last 18 months - USAA has been very supportive, timely, and understanding. Staying with them.

Betsy

Verified Review

Positive!

Reviewed in Oregon on March 4, 2026

I sent a friend to them who had trouble with other companies. She was very grateful when they insured her right away! They've been awesome in the past with claims, responding immediately and without a lot of questions.

Tracy

Verified Review

Excellent!

Reviewed in Oregon on January 4, 2026

USAA has been great! The process was lengthy on my complex claim, but overall splendid!

Timothy

Verified Review

Poor company, unhelpful

Reviewed in Oregon on October 8, 2025

Find someone else. They charge more for nothing and will raise your rates for anything, even if it’s not your fault.

Richard

Verified Review

Great insurance company but strict standards

Reviewed in Oregon on September 21, 2025

Excellent. They are an outstanding insurance company. It is my financial difficulties that caused the problems with USAA and their major increase in premiums. Otherwise, I would not even be looking for alternate coverage.

Marlon

Verified Review

Don't let them hook you

Reviewed in Oregon on June 15, 2025

Don't renew with USAA the first year. Go to another company for the first 6 months after your USAA policy expires. Then, when that one expires, check back with USAA for the following 6-month period. USAA will give a better rate when you come back than they would have if you had stayed with them all along.

Timothy

Verified Review

The Old Bait and Switch

Reviewed in Oregon on June 10, 2025

There's no flexibility, and if you miss your first payment by a day, they will cancel your policy. Then, they make you get a new quote and double the price for half the coverage. It's unbelievable that they treat veterans and their families like that.

Richard

Verified Review

Best insurance out there but getting a little pricier

Reviewed in Oregon on May 11, 2025

Simply outstanding. The best auto insurance on the planet. But their prices have been going up.

George

Verified Review

High Rates for Veterans

Reviewed in Oregon on May 9, 2025

I am a decorated Air Force veteran with no tickets or accidents in over 50 years, and I was charged $1400 for six months for full coverage. This seems very high for someone with my record.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

739

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Oregon doesn’t have as many active-duty military personnel as other states. But almost 250,000 veterans live in the state. Along with family members and certain federal employees, these current and former military members are eligible to buy a car insurance policy through USAA. Aside from low rates and high-quality service, the company offers plenty of military-specific benefits.

Pros

• Highly rated digital service and mobile app

• SafePilot program helps low-mileage drivers save money

• A++ (Superior) financial strength rating from AM Best

Cons

• Doesn’t have any offices in Oregon

• Policies available only to military members and their families

• Poor Trustpilot rating

How car insurance costs in Oregon have changed

Insurify data experts predict Oregon’s car insurance prices will increase by 0.8% in 2026 for full-coverage policies. That’s right in line with estimates for nationwide price increases. Factors like tariffs and rising repair costs are driving these price hikes.

That said, Oregon is actively investing in new wildlife passages. These corridors help reduce vehicle collisions, which in turn lowers car insurance prices. One group of corridors just south of Bend reduced wildlife collisions by 85% in the first five years after installation.^[6]

Average car insurance costs in Oregon over time

The graph below shows how much the average cost of car insurance in Oregon has changed over the past five years, according to Insurify data.

Compare Oregon Auto Insurance Rates

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Oregon car insurance requirements

Like most states, Oregon requires drivers to have a minimum amount of car insurance. In addition to liability coverage, Oregon drivers must also have personal injury protection (PIP) and uninsured motorist coverage. The table below shows Oregon’s car insurance requirements.

Coverage Type	Minimum Requirement
Bodily injury liability	$25,000 per person / $50,000 per accident
Property damage liability	$20,000 per accident
Personal injury protection (PIP)	$15,000 per person
Uninsured motorist coverage	$25,000 per person / $50,000 per accident

Disclaimer: Table data is based on real-time Oregon quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

PIP helps pay for medical bills for you and any of your passengers after an accident. Uninsured motorist coverage helps pay for repairs if a driver without insurance hits your car.

Car insurance rates across Oregon cities

Auto insurance rates can vary across Oregon. The risks you face on the rainy western side are a lot different from those in the dusty eastern part of the state. And the risk of an accident is higher in cities like Portland and Salem than in more out-of-the-way areas, like Medford and Grants Pass.

The table below shows average car insurance rates for different cities in Oregon, according to Insurify data.

City	Average Monthly Quote
Beaverton	$147
Corvallis	$100
Eugene	$115
Grants Pass	$106
Medford	$105
Portland	$166
Salem	$147
Springfield	$112

Disclaimer: Table data is based on real-time Oregon quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Car insurance quotes in Oregon for drivers with a clean record: State Farm

Practicing safe driving habits has its perks. In Oregon, drivers with a clean record usually pay less for car insurance. 

State Farm offers the cheapest liability rates for Oregon drivers with a clean record, at $71 per month.

The table below shows average rates for safe drivers, according to Insurify data.

The below rates in Oregon are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Average Monthly Quote
State Farm	$67
Mile Auto	$69
Sun Coast	$76
National General	$79
USAA	$79
GEICO	$88
Progressive	$91
Bristol West	$94
Dairyland	$96
The General	$96
COUNTRY Financial	$98
Safeco	$105
Direct Auto	$111
American Family	$116
Nationwide	$117
Root	$119
Allstate	$136
Farmers	$154
GAINSCO	$159
Liberty Mutual	$172
Travelers	$190

Disclaimer: Table data sourced from real-time Oregon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oregon may vary based on the policy buyer's unique driver profile.

Cheapest car insurance in Oregon for drivers with a speeding ticket: Mile Auto

Almost 5% of drivers in Oregon have a speeding ticket, Insurify data shows. Depending on how fast you were going, you can be fined at least $130 for speeding in Oregon.^[7] You may also have to appear in court. Auto insurance companies generally raise your rates after a ticket because you’re more likely to cause an accident.

Mile Auto has the most affordable coverage for Oregon drivers with a recent ticket. Its liability rates average $93 per month.

The table below shows average rates for Oregon drivers with speeding tickets.

The below rates in Oregon are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Average Monthly Quote
Mile Auto	$93
State Farm	$94
Sun Coast	$105
USAA	$113
National General	$114
GEICO	$123
Progressive	$126
Bristol West	$129
Dairyland	$137
Safeco	$139
The General	$145
COUNTRY Financial	$151
Direct Auto	$155
American Family	$164
Root	$168
Nationwide	$171
Allstate	$189
GAINSCO	$213
Farmers	$221
Liberty Mutual	$223
Travelers	$275

Disclaimer: Table data sourced from real-time Oregon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oregon may vary based on the policy buyer's unique driver profile.

Affordable car insurance in Oregon with an at-fault accident: State Farm

Nearly 5% of drivers in Oregon have an at-fault accident on their driving record, according to Insurify data Oregon requires drivers to report accidents if there are any injuries or damages exceeding $2,500.^[8]

Oregon drivers with an at-fault accident on their record pay a monthly average of $124 for a liability policy.

But many insurers still offer affordable coverage after an accident. The table below shows average quotes for Oregon drivers with a recent at-fault accident, according to Insurify data.

The below rates in Oregon are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Average Monthly Quote
State Farm	$96
Mile Auto	$100
Sun Coast	$106
USAA	$115
GEICO	$119
National General	$119
Progressive	$126
Bristol West	$131
Dairyland	$142
Safeco	$144
The General	$146
COUNTRY Financial	$148
Root	$165
Direct Auto	$165
American Family	$165
Nationwide	$173
Allstate	$190
GAINSCO	$223
Farmers	$224
Liberty Mutual	$228
Travelers	$278

Disclaimer: Table data sourced from real-time Oregon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oregon may vary based on the policy buyer's unique driver profile.

Cheap car insurance quotes for Oregon drivers with a DUI: Sun Coast

If you have a driving under the influence (DUI) conviction on your record in Oregon, you can have your license suspended for one year and face more than $6,000 in fines.^[9] Since insurers will consider you a high-risk driver, you’ll typically pay much higher rates, and some companies might refuse to offer you car insurance coverage at all. 

Oregon drivers with a DUI pay monthly averages of $110 for liability policies and $171 for full-coverage policies.

The table below shows average rates for Oregon drivers with a DUI, according to Insurify data.

The below rates in Oregon are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Average Monthly Quote
Sun Coast	$94
State Farm	$96
Mile Auto	$99
Progressive	$113
USAA	$114
National General	$119
GEICO	$120
Bristol West	$133
COUNTRY Financial	$138
The General	$141
Dairyland	$142
Safeco	$146
Direct Auto	$161
Root	$164
American Family	$164
Nationwide	$171
Allstate	$188
Farmers	$224
Liberty Mutual	$228
GAINSCO	$232
Travelers	$275

Disclaimer: Table data sourced from real-time Oregon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oregon may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an SR-22 in Oregon: State Farm

Oregon might require your insurance company to file an SR-22 form after a serious traffic violation. You typically need an SR-22 if you have a DUI conviction or cause an accident without having insurance.^[10] Oregon requires drivers to maintain an SR-22 for three years.

Not all Oregon insurers offer SR-22 filing, so you may have limited coverage options. Here’s how much companies charge drivers who need an SR-22, according to Insurify data.

The below rates in Oregon are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Average Monthly Quote
State Farm	$85
Mile Auto	$88
Sun Coast	$93
USAA	$101
National General	$106
GEICO	$108
Progressive	$111
Bristol West	$118
Safeco	$122
The General	$125
Dairyland	$126
COUNTRY Financial	$128
Direct Auto	$143
Root	$146
American Family	$146
Nationwide	$152
Allstate	$167
Farmers	$199
Liberty Mutual	$202
GAINSCO	$206
Travelers	$244

Disclaimer: Table data sourced from real-time Oregon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oregon may vary based on the policy buyer's unique driver profile.

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Cheapest car insurance for teen drivers in Oregon: State Farm

Oregon teens caused 10% of car crashes in 2024, according to the Oregon Department of Transportation (ODOT).^[11] That’s partly why teens pay some of the highest insurance rates. 

Oregon teens pay an average of $230 per month for car insurance. But some insurers offer affordable policies for younger drivers.

Here are the average car insurance rates for teens in Oregon, according to Insurify data.

The below rates in Oregon are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Average Monthly Quote
State Farm	$144
Sun Coast	$154
Mile Auto	$157
USAA	$163
GEICO	$169
COUNTRY Financial	$180
Progressive	$184
Bristol West	$184
National General	$186
Dairyland	$190
The General	$192
Safeco	$213
Root	$220
Direct Auto	$240
American Family	$240
Nationwide	$258
Allstate	$288
Liberty Mutual	$312
GAINSCO	$328
Farmers	$344
Travelers	$441

Disclaimer: Table data sourced from real-time Oregon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oregon may vary based on the policy buyer's unique driver profile.

Cheap car insurance quotes in Oregon for senior drivers: State Farm

Older drivers usually have more driving experience, which leads to lower rates. But senior drivers in Oregon caused 12% of car accidents statewide in 2024, according to ODOT. Mental and physical decline can increase the risk of accidents and insurance rates.

Senior drivers in Oregon pay a monthly average of $97 for auto insurance.

Here are the cheapest insurance companies for senior drivers in Oregon.

The below rates in Oregon are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Average Monthly Quote
State Farm	$55
Mile Auto	$57
Sun Coast	$65
USAA	$67
National General	$68
GEICO	$71
Progressive	$78
Bristol West	$81
COUNTRY Financial	$83
The General	$87
Safeco	$87
Dairyland	$88
Nationwide	$95
Direct Auto	$95
American Family	$96
Root	$100
Allstate	$111
Farmers	$129
Liberty Mutual	$139
GAINSCO	$144
Travelers	$160

Disclaimer: Table data sourced from real-time Oregon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oregon may vary based on the policy buyer's unique driver profile.

Oregon car insurance quotes with bad credit: Mile Auto

Oregon allows insurers to use your credit history when setting your rates. Oregon also gives you the right to ask your insurance company to check your credit every year. If your credit improves, your insurer must lower your rates. If your credit hasn’t improved — or it has gotten worse — your insurer can’t raise your rate based on your credit.

Mile Auto has the cheapest rates for Oregon drivers with poor credit, at $90 per month for liability coverage.

The table below shows average rates for Oregon drivers with poor credit, according to Insurify data.

The below rates in Oregon are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company	Average Monthly Quote
Mile Auto	$90
Sun Coast	$96
State Farm	$102
USAA	$103
National General	$108
GEICO	$111
Progressive	$115
Bristol West	$121
Safeco	$124
COUNTRY Financial	$127
The General	$128
Dairyland	$129
American Family	$145
Direct Auto	$147
Root	$149
Nationwide	$155
Allstate	$171
Liberty Mutual	$201
Farmers	$203
GAINSCO	$211
Travelers	$250

Disclaimer: Table data sourced from real-time Oregon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oregon may vary based on the policy buyer's unique driver profile.

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