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Cheap Auto Insurance Quotes in Oregon (January 2022)
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Last Updated: January 2022
Save Cash in the Beaver State
Home to diverse landscapes, friendly people, and a colorful, welcoming culture, Oregon has it all. High desert to the east; rocky Pacific coastline to the west; and snow-capped mountains, crystal-blue rivers, and evergreen forests sprawling in between. Whether you're road-tripping through the Pacific Northwest or are lucky enough to call Oregon home, with 4.1 million registered vehciles on over 120,000 miles of roadways, a solid auto insurance policy is vital for every driver.
Cheapest Car Insurance in Oregon
Here are the cheapest companies in Oregon for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Oregon.
| Cheapest Companies | |
|---|---|
Progressive | $21/mo |
 State Farm | $66/mo |
 Allstate | $88/mo |
GEICO | $91/mo |
 Travelers | $106/mo |
Best Car Insurance in Oregon
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Oregon. For the complete list, see Insurify's best car insurance companies.
| Best Companies | ||
|---|---|---|
 Nationwide | $120/mo | |
 American Family | $165/mo | |
State Farm | $66/mo | |
GEICO | $91/mo | |
Allstate | $88/mo | |
 Liberty Mutual | $148/mo | |
Progressive | $21/mo | |
Travelers | $106/mo |
Car Insurance in Oregon
Auto insurance costs will vary between locations and insurance companies. Insurify analyzed the latest data for the five most populous cities in Oregon to find you the cheapest quotes in each of these metropolitan areas.
Portland is Oregon's most populous city. Portland drivers rank among the worst in the nation, according to Insurify's 2018 study of top cities with the worst drivers.
Quotes by Top Companies
Quotes ($/mo)
$39
$126
$146
$157
$241
ProgressiveAllstateTravelersNationwideThe General
Monthly $
| City | Cheapest Company | |
|---|---|---|
| Portland | Progressive | $39/mo |
| Salem | Progressive | $56/mo |
| Eugene | Progressive | $21/mo |
| Gresham | Progressive | $54/mo |
| Hillsboro | Progressive | $56/mo |
| Beaverton | Progressive | $52/mo |
| Bend | Progressive | $37/mo |
| Medford | Progressive | $42/mo |
| Springfield | Progressive | $45/mo |
| Corvallis | Progressive | $33/mo |
| Albany | Progressive | $35/mo |
| Lake Oswego | Progressive | $43/mo |
| Grants Pass | Progressive | $36/mo |
| Oregon City | Progressive | $47/mo |
| McMinnville | Progressive | $42/mo |
| Redmond | Progressive | $36/mo |
| Tualatin | Progressive | $42/mo |
| Wilsonville |  Mile Auto | $115/mo |
Cheapest Liability Auto Insurance in Oregon
For drivers in Oregon, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.
To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Oregon. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Oregon.
| Cheapest companies | |
|---|---|
 National General | $81/mo |
Travelers | $88/mo |
 Kemper Preferred | $91/mo |
 Mile Auto | $93/mo |
Kemper | $107/mo |
Cheapest Full Coverage Auto Insurance in Oregon
For drivers in Oregon, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Oregon. The following are the best insurance rates from carriers that offer full coverage auto insurance in Oregon.
| Cheapest companies | |
|---|---|
Mile Auto | $109/mo |
Travelers | $126/mo |
National General | $136/mo |
Kemper Preferred | $151/mo |
Nationwide | $164/mo |
Oregon Driving Facts
Minimum Car Insurance Requirements in OR
All motor vehicles operated or parked on Oregon roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
Oregon auto insurance requirements are among the most comprehensive in the country. Coverage requirements mandated by Oregon law are a bit more comprehensive than the average state. The minimum liability car insurance requirements for private passenger vehicles in Oregon are as follows:
- $25,000 per person/$50,000 per accident for Bodily Injury (BI)
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Oregon state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Oregon law.
- $20,000/accident for Property Damage (PD)
The state minimum amount of property damage liability coverage required in the state of Oregon is $20,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
- $25,000 per person/$50,000 per accident Uninsured Motorist Bodily Injury (UMBI)
Uninsured and underinsured motorist coverage are required forms of insurance in Oregon. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered by insurance.
- $15,000/person Personal Injury Protection (PIP)
Personal Injury Protection (PIP) provides coverage for medical costs that drivers and their passengers may face after an accident. PIP coverage protects drivers even if they are found to be at fault. Medical expenses are covered by this type of protection, and at least $15,000 worth of coverage is required in Oregon.
Cheapest Car Insurance Quotes in Oregon by Profile
Here are the cheapest insurance companies in Oregon based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.
Cheap Car Insurance for Good Drivers
For Oregon drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Progressive offers the best options for good drivers in Oregon, at $21 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.
| Insurance Company | |
|---|---|
Progressive | $21/mo |
State Farm | $66/mo |
Allstate | $88/mo |
GEICO | $91/mo |
Travelers | $106/mo |
Cheap Car Insurance for Drivers with DUI
Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.
| Insurance Company | |
|---|---|
State Farm | $58/mo |
Grange | $63/mo |
COUNTRY Financial | $68/mo |
Cheap Car Insurance for Drivers with an At-Fault Accident
The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.
| Insurance Company | |
|---|---|
Grange | $47/mo |
State Farm | $69/mo |
USAA | $70/mo |
Cheap Car Insurance for Speeding Drivers
The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.
| Insurance Company | |
|---|---|
Grange | $42/mo |
State Farm | $57/mo |
USAA | $58/mo |
Cheap Car Insurance for Young Drivers
If you’re under 40 years old in the state of Oregon, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. COUNTRY Financial, Grange, and USAA offer the cheapest car insurance rates for young drivers, averaging $44 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.
Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Oregon 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Oregonians lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.
| Insurance Company | |
|---|---|
COUNTRY Financial | $44/mo |
Grange | $44/mo |
USAA | $44/mo |
General Casualty | $48/mo |
State Farm | $50/mo |
SR-22 Insurance in Oregon
If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Oregon on your behalf.
OR DMV Information
The Oregon Driver and Motor Vehicle Services has DMV outposts all around the state. At the DMV, Oregon residents can access services like driver’s license and ID card registration and renewal, vehicle registration, and license plate pick-up, as well as insurance information and services. For the shortest wait times, avoid planning your visit on Mondays and Fridays or during lunch hours. Regardless of where you live in the Beaver State, a DMV shouldn’t be too far. Oregon residents may be able to skip their visit altogether and get what they need through the DMV online portal.
For more detailed rates on specific personas and driving histories, use our Oregon insurance rate resources.
Insurify Insights: How Oregon Drivers Measure Up
Moving Violations Rank
Oregon
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Oregon drivers measure up to their fellow motorists across the United States in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
Accidents in Oregon
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Among all fifty states, Oregon drivers rank 21 in the number of car accidents per driver.
- Rank of States: #21
- Percent of drivers in Oregon with an accident: 10.77%
- Drivers in OR with an accident in their driving history paid on average 36.54% more than drivers with a clean record
Speeding in Oregon
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Oregon drivers rank 14 in the number of speeding infractions per driver across all fifty states.
- Rank of States: #14
- Percent of drivers in Oregon with a speeding ticket: 11.39%
- Drivers in OR with a speeding ticket in their driving history paid on average 33.97% more than drivers with a clean record
DUI/DWIs in Oregon
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Oregon drivers rank 21 in the number of DUI’s per driver across all fifty states.
- Rank of States: #21
- Percent of drivers in Oregon with a DUI: 2.18%
- Drivers in OR with a DUI in their driving history paid on average 9.62% more than drivers with a clean record
Most Popular Vehicle in Oregon
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Oregon is the Honda Accord.
Rude in Oregon
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Oregon drivers rank 6 in rude driving infractions.
- Rank of States: #6
- Percent of drivers in Oregon with a reckless driving violation: 2.58%
- Drivers in OR with a reckless driving violation in their driving history paid on average 28.21% more than drivers with a clean record.
Safest Drivers in Oregon
Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Oregon drivers rank 38 in clean driving records across all fifty states.
- Rank of States: #38
- Percent of drivers in Oregon with clean record: 78.32%
Street Racing in Oregon
Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Oregon drivers rank 5 in street racing violations per driver.
- Rank of States: #5
- Percent of drivers in Oregon with a street racing violation: 0.02%
Failure to Yield the Right of Way in Oregon
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Oregon drivers rank 29 in failure to yield violations per driver across all fifty states.
- Rank of States: #29
- Percent of drivers in Oregon with a failure to yield violation: 0.35%
- Drivers in OR with a failure to yield violation in their driving history paid on average 26.92% more than drivers with a clean record
Reckless Drivers in Oregon
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all fifty states, Oregon drivers rank 17 in the number of reckless driving offenses per driver.
- Rank of States: #17
- Percent of drivers in Oregon with a reckless driving offense: 0.15%
Hybrid/Electric Vehicle Ownership in Oregon
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Oregon drivers rank 6 in hybrid and electric vehicle ownership across all fifty states.
- Rank of States: #6
- Percent of drivers in Oregon with a hybrid/electric vehicle: 1.42%
Greenest Cities in Oregon
The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.
The state of Oregon offers many green driver incentives, including federal tax credits, loans, and discounts through some car insurance carriers.
Saint Helens
% of Hybrids / Electrics
3%
Most Patriotic City
Salem
Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.
Grants Pass won Insurify's Most Patriotic Cities Award for the state of Oregon. Interestingly, the city was named for General Ulysses S. Grant’s 1863 victory at Vicksburg, Mississippi, during the Civil War.
Road Statistics
Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Oregon is vital for all car insurance shoppers hitting the road in The Beaver State.
Road Rankings
11%Rural Roads in
Poor Condition
#17
Ranked
5%Structurally Deficient
Rural Bridges
#14
Ranked
1%Fatality Rate per 100M VMT
on Rural Roads
#18
Ranked
FAQs - Oregon Car Insurance
Which company offers the cheapest car insurance in Oregon?
The best way to get the cheapest car insurance in Oregon and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
What is non-owner car insurance? Do I need it in Oregon?
Non-owner car insurance provides liability coverage if you’re driving a car you don't own. If you regularly rent or borrow cars, non-owner car insurance may be a good option for you. Though it’s not legally required in Oregon, non-owner car insurance can be a lifesaver for a driver caught up in an accident while driving a car that doesn’t belong to them.
Is my car covered if damaged in a natural disaster?
With Mother Nature, it’s best to expect the unexpected. If you want to ensure your vehicle is covered if damaged after a storm, earthquake, or flood, it’s important to get full coverage car insurance, including comprehensive coverage. This coverage will bring peace of mind during extreme weather events.
Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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