Cheapest Auto Insurance in Oregon (2025)

Known for its breathtaking coastlines and misty forests, Oregon is home to the country’s first scenic highway, the “King of Roads.” Drivers in the Beaver State pay relatively cheap rates for car insurance. With an overall average of $127 per month, Oregon residents pay less than the national average of $150 per month.

Oregon has a population density of 44.1 people per square mile, which may partially account for the low average car insurance rates.^[1] Drivers in areas with fewer people have lower risks of having car accidents and facing property damage.

Here’s what you need to know about finding the cheapest auto insurance in Oregon, including tips to help you find the best deals.

Cheapest car insurance companies in Oregon

Insurance quotes from different companies can vary depending on your driving record, vehicle type, age, credit history, location, and more. When shopping around for coverage, you don’t want to pick an insurance policy based solely on cost. You need to consider your coverage needs, driver profile, and more.

The table below shows three of the best insurance companies offering cheap car insurance rates in Oregon.

Insurance Company	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.	Average Quote: Full Coverage	Average Quote: Liability Only	Best For
Mile Auto	7.5	$74	$61	Low-mileage drivers
USAA	9.4	$99	$46	Military members and their families
State Farm	9.3	$109	$52	Teen drivers

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for low-mileage drivers: Mile Auto

low-mileage drivers

Compare Quotes

User Reviews	4.2 39 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.	7.5 /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.	$61/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.	$74/mo

Hide Details

Driver Reviews

4.2

Best choiceBased on 71 verified guest 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 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 For

Low-mileage drivers

Senior drivers

Cheap full coverage

Reviews (39)

Janet

April 8, 2025

Verified Review

Mile Auto Insurance is Great

They are the most reasonable carrier. I've checked 15.

Irma

March 21, 2025

Verified Purchase

Mike Auto is for Real

I have nothing but good things to say. It has saved me a lot of money, which means everything to me. I think about all the money I have paid for insurance, and finally, this insurance, Mike Auto, has come up with a way to reduce the cost.

Irma

March 19, 2025

Verified Purchase

Response Time

I would prefer to have my problems solved before the three days they state as their response time.

Previous

1234…13

NextSee all Mile Auto reviews

Our Advice

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.

NR

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

Mile Auto offers some of the cheapest liability car insurance in the state, particularly for low-mileage drivers. If you have pay-per-mile insurance from Mile Auto, you pay a base rate plus a per-mile rate. At the end of each month, you need to send a picture of your odometer to Mile Auto.

Pros

• Infrequent drivers can save money with pay-per-mile insurance

• No tracking device required

Cons

• Limited auto coverage options

• Only sells auto insurance products

Best insurer for the military community: USAA

military community

Compare Quotes

User Reviews	4.9 1,151 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.	9.4 /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.	$47/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.	$98/mo

Show Details

Driver Reviews

4.9

Best choiceBased on 1,987 verified guest 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 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 For

Members of the military community

Outstanding customer service

Competitive rates

Reviews (1,151)

Linda

April 27, 2025

Verified Review

Car

It has been very easy, and the customer service has been good.

James

April 26, 2025

Verified Review

Very poor

Very poor. I would never go back to them. They raised my rates by $30 to $50 every six months.

Tom

April 26, 2025

Verified Review

I made a choice that I'm not so sure was a smart move.

All done on the computer. Have not had any face-to-face or telecommunications with people. USAA wants to monitor personal driving habits of an individual who drives just about 30 miles a week, is an octogenarian, and rarely goes out. If there is no response to their monitoring, they hike the insurance rates automatically for "lack of monitoring."

Previous

1234…25

NextSee all USAA reviews

Our Advice

JD Power

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

863

NAIC Index

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

1.35

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

USAA offers a variety of insurance policies, banking, and investing products for U.S. military members, veterans, and their families. The company provides affordable coverage options and a number of discounts. USAA customers can earn usage-based discounts if they drive infrequently or practice safe driving habits.

Pros

• Highly rated mobile app

• Safe drivers can save with USAA SafePilot program

Cons

• Only available to military members, veterans, and their families

• No coverage for motorcycles, ATVs, RVs, boats, or personal watercraft

Best insurer for teen drivers: State Farm

teen drivers

Compare Quotes

User Reviews	4.2 5,879 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.	$55/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.	$117/mo

Show Details

Driver Reviews

4.2

Best choiceBased on 10,736 verified guest 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 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 For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (5,879)

Stephen

April 28, 2025

Verified Review

State Farm Insurance Review

Easy and friendly.

Robert

April 28, 2025

Verified Review

Frustrated 😠

I'm overpaying for my age and miles driven. I average less than 6,000 miles a year. We bought the Fit new in 2010 and 15 years later we've put on 70,000 miles.

Marfaret

April 28, 2025

Verified Review

Very good and pleased

I've never had problems with them.

Previous

1234…25

NextSee all State Farm reviews

Our Advice

JD Power

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

839

NAIC Index

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

0.78

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 offers a range of policy options and discounts to make insurance affordable for teen drivers and their families. The company’s Steer Clear program, an educational app-based course for drivers younger than 25, helps drivers earn discounts on car insurance premiums. State Farm also offers discounts of up to 25% for high-performing students.

Pros

• Advertises 10 available discounts

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

Cons

• Higher rates than some competitors

• Doesn’t offer gap insurance

How to get the cheapest car insurance in Oregon

Insurance companies take into account several factors when setting car insurance rates, including your driving history, ZIP code, marital status, age, credit, and even the type of car you drive.

Here are a few tips to help you find cheap car insurance in Oregon:

• Maintain a clean driving record. Traffic violations and accidents can cause your premiums to increase significantly. Drivers with clean records tend to pay the lowest average rates.

• Ask about discounts. Insurance companies may offer discounts for installing anti-theft devices, taking a defensive driver course, or bundling your home and auto insurance. Insurers also commonly offer discounts for safe drivers and good students.

• Shop around. Don’t settle for the first quote you get. Comparison shop to find coverage that fits your budget.^[2]

Low-cost car insurance in Oregon

Oregon doesn’t have a low-income car insurance program. If you’re a driver looking for low-cost car insurance in Oregon, you should make sure you’re comparing car insurance quotes every time your policy renews. This allows you to get a good idea of how much you’re paying and whether you might save more money by switching to another car insurance company. Insurers are constantly changing how they calculate risk, and the company that previously had the best deal for you may no longer be the cheapest option.

Find Cheap Car Insurance in Oregon

Liability coverage starts at $61 per month

Enter your ZIP codeView My Quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

Cheapest liability-only car insurance quotes in Oregon: Mile Auto

Liability insurance pays for damages or injuries you cause others in an accident, but it doesn’t cover damage to your own car.^[3] Liability-only car insurance at the state-mandated minimum is typically the cheapest option available.

The table below shows the companies offering the cheapest liability-only car insurance in Oregon.

Cheapest full-coverage car insurance quotes in Oregon: Mile Auto

Full-coverage car insurance provides liability coverage plus comprehensive and collision coverages, which cover damage to your vehicle from accidents and incidents like theft, vandalism, or falling tree branches. You may need full coverage if you finance or lease your car, drive an expensive vehicle, or just want more vehicle protection.

The following table shows the insurance companies offering the cheapest full-coverage car insurance in Oregon.

Car insurance requirements in Oregon

Like most other states, Oregon requires drivers to carry a minimum amount of insurance to legally operate a vehicle in the state. In addition to liability coverage, Oregon drivers also need minimum amounts of personal injury protection (PIP) and uninsured motorist coverage.

Here are the specific minimum limits Oregon drivers need to meet:^[4]

Coverage	Minimum Requirements
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

While your policy has to at least meet the legal minimums, you might choose to carry higher limits, full-coverage car insurance, or the following coverage options to feel more secure on the road:

• 

  Collision coverage

  If you have a collision with another vehicle or object, collision coverage can kick in to pay for repair or replacement costs.

• 

  Comprehensive coverage

  Comprehensive coverage can pay for vehicle damage from non-collision incidents, like severe weather, theft, and vandalism.

• 

  Gap insurance

  If you owe more on your car loan than the vehicle is currently worth, gap insurance covers the difference between the two amounts in the event of a total loss.

• 

  Rental reimbursement

  Rental reimbursement provides a rental car or reimburses you for transportation costs while your vehicle is in the shop after a covered claim.

• 

  Roadside assistance

  Roadside assistance offers services like towing, flat tire replacement, and jump-starts if your car breaks down on the road.

Cheapest car insurance companies in OR for drivers with an incident

In car insurance lingo, “incidents” refer to events involving your vehicle that could increase your risk profile when insurance companies consider your driving record. Incidents include at-fault accidents, speeding tickets, driving under the influence (DUI), and other moving violations.^[5]

Insurers view past incidents as predictors of future behavior, so they typically increase rates for drivers with one or more incidents on their records. On average, Oregon drivers with a past incident pay $162 per month.

Shop for Car Insurance in Oregon

Monthly rates start at $73 for drivers with an incident

Enter your ZIP codeGet My Quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

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

When you get a speeding ticket, you’ll have to face the cost of the ticket and higher car insurance premiums. Auto insurers view drivers with speeding tickets as more likely to have future accidents and file claims, and this increased risk leads to higher premiums.

The overall average cost of car insurance for Oregon drivers with a speeding ticket is $182 per month. Find cheap average quotes from top Oregon insurers below.

The below rates are estimated rates current as of: Tuesday, April 22 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quote With Clean Driving Record	Avg. Quote With Speeding Ticket
Mile Auto	$61	$79
National General	$99	$131
Root	$104	$151
Safeco	$105	$143
Dairyland	$114	$151
Bristol West	$121	$162
Direct Auto	$123	$164
Foremost	$125	$175
The General	$130	$179
Liberty Mutual	$147	$206
GAINSCO	$158	$222

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for drivers with an at-fault accident: Mile Auto

When you have an at-fault car accident, you may file an expensive claim with your auto insurer. Insurance companies increase your insurance rates to offset these costs. You may also lose any safe-driving discounts on your policy.

Drivers in Oregon with an at-fault accident pay $184 per month for car insurance, on average. Here’s a look at the insurance companies in Oregon offering the most competitive quotes for drivers with an at-fault accident on their record.

The below rates are estimated rates current as of: Tuesday, April 22 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quote With Clean Driving Record	Avg. Quote With Accident
Mile Auto	$61	$84
National General	$99	$133
Root	$104	$154
Safeco	$105	$149
Dairyland	$114	$154
Bristol West	$121	$165
Direct Auto	$123	$171
Foremost	$125	$179
The General	$130	$181
Liberty Mutual	$147	$210
GAINSCO	$158	$207

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for drivers with a DUI: Mile Auto

A DUI is one of the most serious offenses a driver can commit. Because driving under the influence of drugs or alcohol significantly increases the likelihood of an accident, auto insurers view people with a past DUI as high-risk drivers.

The average cost of car insurance for Oregon drivers with a DUI is $209 per month. Here’s a look at some of the insurance companies offering competitive quotes for drivers with a DUI.

The below rates are estimated rates current as of: Tuesday, April 22 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quote With Clean Driving Record	Avg. Quote With DUI
Mile Auto	$61	$100
National General	$99	$161
Root	$104	$157
Safeco	$105	$167
Dairyland	$114	$186
Bristol West	$121	$197
Direct Auto	$123	$201
Foremost	$125	$204
The General	$130	$212
Liberty Mutual	$147	$240
GAINSCO	$158	$258

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for seniors: Mile Auto

Your age can affect how much you pay for car insurance. Drivers in their mid-30s start to enjoy lower insurance rates due to growing driving experience and a lower propensity for risky behavior. This trend of decreasing rates typically continues for drivers throughout their 40s, 50s, and 60s.

However, drivers 70 and older often see insurance rates increase again as age-related changes in vision, slower reaction times, and various health conditions associated with aging put them at greater risk of having an accident.

Senior drivers in Oregon pay an average of $98 per month for car insurance. Here are some of the most affordable insurance companies for senior drivers in Oregon.

The below rates are estimated rates current as of: Tuesday, April 22 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
Mile Auto	$44	$54
National General	$72	$128
Root	$86	$138
Safeco	$87	$124
Dairyland	$88	$195
Direct Auto	$91	$160
Bristol West	$94	$178
The General	$100	$216
Liberty Mutual	$117	$158
GAINSCO	$126	$261

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance quotes for teens: Mile Auto

Teen drivers pay some of the highest rates for car insurance due to their inexperience behind the wheel and tendency toward risky driving behaviors. Fortunately, you can qualify for lower rates in different ways, including joining your parents’ existing policy, driving a safe and reliable vehicle, maintaining good grades, and completing a defensive driving course.

The overall average cost of car insurance for teen drivers in Oregon is $257. In the table below, you can find budget-friendly options for teen drivers in Oregon.

The below rates are estimated rates current as of: Tuesday, April 22 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
Mile Auto	$130	$158
Root	$176	$283
Dairyland	$200	$443
National General	$209	$370
Safeco	$225	$321
Bristol West	$226	$430
The General	$229	$496
Direct Auto	$251	$440
Liberty Mutual	$276	$371
GAINSCO	$304	$630

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Oregon car insurance quotes by credit tier

The state of Oregon allows insurance companies to use credit-based insurance scores to evaluate the risk of insuring a driver and determine rates, but only for new customers. Insurance companies operating in Oregon can’t cancel or choose not to renew a customer’s policy due to their credit.^[6]

Insurance companies use credit history to predict how likely you are to file a claim. Drivers with good or excellent credit tend to pay the lowest rates, while people with poor credit pay higher rates.

Below is a table showing the average monthly full-coverage premiums in Oregon for drivers by credit tier.

Oregon car insurance FAQs