Cheapest Auto Insurance in Oregon (2023)

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 $141 per month, Oregon residents pay less than the national average of $155 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.

Best insurer for low-mileage drivers: Mile Auto

Best insurer for the military community: USAA

Best insurer for teen drivers: State Farm

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]

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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.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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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Insurance Company	Average Monthly Quote
Mile Auto	52
Safeco	71
Liberty Mutual	85
GAINSCO	90
National General	96
Direct Auto	97
Midvale Home & Auto	101
Dairyland	126
Bristol West	132
The General	155

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 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.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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 Monthly Quote
Mile Auto	63
Travelers	95
Nationwide	102
Safeco	117
Direct Auto	129
Liberty Mutual	148
Midvale Home & Auto	151
GAINSCO	175
National General	192
Bristol West	239
Dairyland	268
The General	283

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.

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]

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 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.

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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 $210 per month. Find cheap average quotes from top Oregon insurers below.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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	Clean Driving Record	With Speeding Ticket
Mile Auto	47	78
Safeco	64	106
Liberty Mutual	76	127
GAINSCO	81	134
National General	86	143
Direct Auto	87	145
Midvale Home & Auto	91	151
Dairyland	113	188
Bristol West	118	197
The General	139	231

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 $208 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: Thursday, November 30 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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	Clean Driving Record	With Accident
Mile Auto	47	77
Safeco	64	105
Liberty Mutual	76	125
GAINSCO	81	133
National General	86	142
Direct Auto	87	143
Midvale Home & Auto	91	149
Dairyland	113	186
Bristol West	118	195
The General	139	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 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 $236 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: Thursday, November 30 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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	Clean Driving Record	With DUI
Mile Auto	47	87
Safeco	64	119
Liberty Mutual	76	142
GAINSCO	81	151
National General	86	161
Direct Auto	87	162
Midvale Home & Auto	91	169
Dairyland	113	211
Bristol West	118	221
The General	139	259

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 $95 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: Thursday, November 30 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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	Liability Only	Full Coverage
Mile Auto	35	43
Safeco	48	79
Liberty Mutual	57	100
GAINSCO	61	118
National General	65	130
Direct Auto	66	87
Midvale Home & Auto	68	102
Dairyland	85	181
Bristol West	89	162
The General	105	191

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 $253. In the table below, you can find budget-friendly options for teen drivers in Oregon.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVice President of Engineering

• 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	Liability Only	Full Coverage
Mile Auto	93	113
Safeco	127	210
Liberty Mutual	152	265
GAINSCO	161	314
National General	172	344
Direct Auto	174	231
Midvale Home & Auto	181	271
Dairyland	226	481
Bristol West	237	429
The General	278	508

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.

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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.

Oregon car insurance FAQs

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 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

• 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. 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%
• DUIs in Oregon

  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 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. 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%
• Rude Driving in Oregon

  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%
• Speeding in Oregon

  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%
• Failure to Yield Rates in Oregon

  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.