Cheapest Auto Insurance in Oregon (2024)

Mile Auto offers the cheapest liability car insurance in Oregon, at $56 per month.

Janet Berry-Johnson
Janet Berry-Johnson
  • 8+ years writing about insurance, taxes, and personal finance

  • Certified public accountant

Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Shawn Powers
Reviewed byShawn Powers
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Shawn PowersVP of Insurance Sales at Insurify
  • Licensed insurance agent for 25+ years

  • 15 years as VP of Sales and Operations at Answer Financial

Licensed in more than 40 states, Shawn leverages his deep industry expertise to support the accuracy and trustworthiness of Insurify’s content.

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Konstantin Halachev
Data reviewed byKonstantin Halachev
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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.

Updated June 16, 2024

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Cheapest recent rates in Oregon

Recent Oregon car insurance prices for GMC, Ford, Dodge , and more.

*Quotes generated for Insurify users from Oregon within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Oregon within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $138 per month, Oregon residents pay less than the national average of $160 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.

Quick Facts
  • Mile Auto, Safeco, and GAINSCO offer the cheapest average liability insurance rates in the state.

  • Drivers in Oregon pay $100 per month for liability coverage and $177 for full coverage, on average.

  • In Oregon, insurance companies can consider credit-based insurance scores when determining your premiums.

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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Mile Auto3.7$70$56Low-mileage drivers
USAA4.7$99$46Military members and their families
State Farm4.6$109$52Teen 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.
  • 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-5 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 28,000 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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
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
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.
$56/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.
$70/mo

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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
863
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.
$46/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.
$99/mo

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

Read our USAA review
Gerald - June 16, 2024
Verified

Unhappy

They keep raising the price.

Gerald - June 16, 2024
Verified

My Insurance Rates Have Gotten Very High

They are quick to raise their rates.

Kenneth - June 15, 2024
Verified

Not Good

They're not too good at relating to customers.

Best insurer for teen drivers: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
839
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.
$54/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

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

Read our State Farm review
Rosa - June 16, 2024
Verified

Not Happy

The individual agent was excellent, but as a whole, I'm not satisfied with State Farm. They didn't renew my policy just because I filed a claim. I wasn't given any explanation. I've always heard that State Farm cancels senior citizens.

Ruth - June 16, 2024
Verified

Not Happy At All

They turn a simple policy inclusion into a claim, which doesn't go away and causes the prices to increase.

John - June 16, 2024
Verified

Overpriced and Unresponsive Sales Team

I am disappointed.

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]

Find Cheap Car Insurance in Oregon

Liability coverage starts at $56 per month

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Cheapest liability-only car insurance 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.

10 cheapest insurers for liability-only

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

Cheapest full-coverage car insurance 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.

10 cheapest insurers for full coverage

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

Cheapest recent rates in Oregon

Recent Oregon car insurance prices for Subaru, Buick, Chrysler , and more.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    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 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 $191 per month.

Shop for Car Insurance in Oregon

Monthly rates start at $78 for drivers with an incident

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Cheapest car insurance 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 $216 per month. Find cheap average quotes from top Oregon insurers below.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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 CompanyClean Driving RecordWith Speeding Ticket
Mile Auto$56$82
Safeco$76$105
GAINSCO$95$142
Liberty Mutual$96$144
National General$98$131
Midvale Home & Auto$111$156
Direct Auto$113$155
Dairyland$123$169
Bristol West$136$184
The General$148$204
Root$158$228
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 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 $213 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: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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 CompanyClean Driving RecordWith Accident
Mile Auto$56$85
Safeco$76$103
GAINSCO$95$128
Liberty Mutual$96$146
National General$98$136
Midvale Home & Auto$111$163
Direct Auto$113$161
Dairyland$123$171
Bristol West$136$187
The General$148$210
Root$158$233
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 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 $241 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: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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 CompanyClean Driving RecordWith DUI
Mile Auto$56$87
Safeco$76$130
GAINSCO$95$163
Liberty Mutual$96$165
National General$98$168
Midvale Home & Auto$111$190
Direct Auto$113$194
Dairyland$123$211
Bristol West$136$233
The General$148$254
Root$158$271
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 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 $94 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: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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 CompanyLiability OnlyFull Coverage
Mile Auto$38$48
Safeco$56$84
Liberty Mutual$69$120
National General$71$143
GAINSCO$71$138
Midvale Home & Auto$77$118
Direct Auto$79$160
Dairyland$90$208
Bristol West$99$198
The General$110$202
Root$118$190
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 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 $256. In the table below, you can find budget-friendly options for teen drivers in Oregon.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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 CompanyLiability OnlyFull Coverage
Mile Auto$110$137
Safeco$160$240
GAINSCO$172$333
Liberty Mutual$180$312
National General$187$376
Midvale Home & Auto$196$302
Direct Auto$209$422
Dairyland$209$487
Bristol West$235$470
The General$244$446
Root$246$394
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.

Find Car Insurance in Oregon

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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.

Rates by Credit Tier

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

Oregon car insurance FAQs

Before you start shopping around for car insurance, you should determine how much auto coverage you need. The information below should help you navigate the process of buying cheap coverage in Oregon.

  • How much is car insurance in Oregon?

    Oregon drivers pay an overall average of $1,659 per year for car insurance. Each year, drivers in the state pay $1,196 for liability coverage and $2,122 for full-coverage insurance.

    The overall monthly average cost of car insurance in Oregon is $138. Oregon drivers pay $100 per month for liability coverage and $177 for full-coverage insurance, on average.

  • Who has the cheapest car insurance in Oregon?

    Mile Auto has the cheapest car insurance in Oregon, with a liability rate of $56 per month. Safeco and GAINSCO also offer affordable monthly rates, at $76 and $95, respectively. The best way to find the cheapest car insurance rates for your needs is to compare quotes from multiple insurers.

  • What are the best car insurance companies in Oregon?

    With an Insurify Quality (IQ) Score of 4.6 out of 5, an A++ (Superior) financial strength rating from AM Best, and customizable coverage options, State Farm is the best car insurance company in Oregon. State Farm policyholders in Oregon pay an average of $49 per month for liability coverage and $64 for full coverage. Other top insurers in the state include Mile Auto, USAA, and GEICO.

  • What is the cheapest insurance for new drivers in Oregon?

    If you’re a new driver, the cheapest insurer for you will depend on your driving record, chosen coverage, vehicle type, credit history, and more. But some companies have savings opportunities for new drivers, especially teens. For example, State Farm offers discounts for drivers younger than 25, teenagers, and students.

Insurify Insights

How Oregon Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Oregon below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Oregon drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

ford

Ford F-Series Pickup

Most Popular Car in Oregon

#10

State with the Most Speeding Tickets Rank

#10

State with the Moving Violations Rank

#16

State with the Most DUIs Rank

#5

State with the most Suspended Licenses

  • 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. Oregon is the #13 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #13
    • Percent of drivers in Oregon with an accident: 9.9%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Oregon is the #16 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #16
    • Percent of drivers in Oregon with a DUI: 1.8%
  • 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. Oregon is the #12 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #12
    • Percent of drivers in Oregon with a reckless driving offense: 1.7%
  • The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Oregon is the #14 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #14
    • Percent of drivers in Oregon with a rude driving violation: 2%
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Oregon is the #10 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #10
    • Percent of drivers in Oregon with a speeding ticket: 10.9%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Oregon is the #14 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #14
    • Percent of drivers in Oregon with a failure to yield violation: 0.2%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. United States Census Bureau. "QuickFacts Oregon."
  2. Insurance Information Institute. "How to save money on car insurance."
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  4. Oregon Driver & Motor Vehicle Services. "Minimum Insurance Requirements."
  5. Insurance Information Institure. "What determines the price of an auto insurance policy?."
  6. OregonLaws. "ORS 746.661 Use of credit history or insurance score."
Janet Berry-Johnson
Janet Berry-Johnson

Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Shawn Powers
Reviewed byShawn PowersVP of Insurance Sales at Insurify
Headshot of licensed insurance agent Shawn Powers.
Shawn PowersVP of Insurance Sales at Insurify
  • Licensed insurance agent for 25+ years

  • 15 years as VP of Sales and Operations at Answer Financial

Licensed in more than 40 states, Shawn leverages his deep industry expertise to support the accuracy and trustworthiness of Insurify’s content.

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Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

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