4.8out of 3,000+ reviews

Cheap Auto Insurance in Oregon 2023

Drivers in Oregon pay rates starting at $109/mo. for car insurance.

Secure. Free. Easy-to-use.
auto insurance

Why you can trust Insurify

As an independent agent and insurance comparison website, Insurify makes money through commissions from insurance companies. However, our expert insurance writers and editors operate independently of our insurance partners. Learn more.
Anna Baluch
Written by
Anna Baluch
Photo of an Insurify author
Written by
Anna Baluch
Insurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Katie Powers
Edited by
Katie Powers
Photo of an Insurify author
Edited by
Katie Powers
Insurance Writer
Katie Powers is an insurance writer at Insurify with a producer’s license for property and casualty insurance in Massachusetts and expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.
Stephen DeFord
Reviewed by
Stephen DeFord
Icon of a man
Reviewed by
Stephen DeFord
Licensed Insurance Agent at Insurify
Stephen DeFord is an insurance agent at Insurify's in-house agency. As a licensed agent, Stephen specializes in auto, home, and commercial insurance. Stephen helps customers navigate the complicated world of insurance shopping.
Konstantin Halachev
Data reviewed by
Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Data reviewed by
Konstantin Halachev
VP of Engineering
Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.

Updated November 30, 2022

Oregon is the 20th most-expensive state for car insurance, with average rates of $235 per month, according to our data. The average rate for car insurance in the Beaver State resembles the national average rate of $233 per month and is similar to the rates in both Colorado and Missouri. Every year, the Oregon DMV registers around 1.8 million vehicles.[1] To locate the most affordable car insurance in Oregon that meets your insurance needs, you should compare quotes with multiple auto insurers.

Quick Facts

  • The average cost of car insurance in Oregon is $235/mo.

  • Travelers is the cheapest top provider in Oregon, with average rates of $109/mo.

  • The easiest way to cut car insurance costs is to compare quotes online.

Best cheap car insurance in Oregon: Travelers

1
Travelers logo

Travelers

Best Cheap Car Insurance in Oregon
Average Monthly Cost:
$109
Insurify Composite Score:
80

Many car insurance companies in Oregon have cheap auto insurance rates. Mile Auto and Travelers offer the most affordable rates, with average monthly quotes of $93 and $109, respectively. State Farm and Progressive are also examples of providers with some of the best rates. Here’s a look at cheap car insurance in Oregon.

Car Insurance CompanyInsurify Composite ScoreAverage Monthly Quote
Travelers80$109
Nationwide89$143
State Farm88$195
ProgressiveN/A$206
Liberty Mutual82$210
Mile AutoN/A$93
Kemper PreferredN/A$130
Erie85$137
National General58$145
Safeco86$168
Direct AutoN/A$175
KemperN/A$181
StillwaterN/A$193
Kemper SpecialtyN/A$196
Midvale Home & AutoN/A$197
Bristol WestN/A$235
USAA96$235
GEICO88$255
DairylandN/A$319
American Family89$347
The GeneralN/A$358
Allstate85$380
Farmers85$458
AmicaN/A$568
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.

Learn More: Best Car Insurance Companies

Insurify Composite Score (ICS)

To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists weigh multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include J.D. Power ratings, Consumer Reports customer satisfaction surveys and customer complaints, mobile app reviews, user-generated company reviews, and financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch.

Minimum car insurance requirements in Oregon

Oregon requires insurance for all motor vehicles operated or parked on state roadways. You must carry proof of insurance in your car at all times and have it available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Oregon[2] are:

  • $25,000 per person and $50,000 per accident for bodily injury: As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Oregon is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $20,000 per accident for property damage: If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $15,000 per accident for PIP: Personal injury protection, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

  • $25,000 per person and $50,000 per accident for uninsured/underinsured motorist bodily injury: Uninsured and underinsured motorist coverage pay for costs caused by a driver with little or no insurance after a car accident. In Oregon, this coverage applies to bodily injury caused by uninsured drivers.

Oregon DMV information

Oregon Driver & Motor Vehicle Services offers a variety of important services for drivers in the state.[3] Many can be completed online, including license and vehicle registration renewal, accessing sold vehicle reports, and license replacements. In-person appointments for other services are also available at more than 60 offices throughout Oregon.

Public transportation in Oregon

The Oregon Public Transportation Division works to support local and regional public transportation services.[4] While Oregon doesn’t have a statewide public transportation system, many cities have their own services to help residents get around. Portland, for example, maintains the TriMet, a transportation network that includes buses, light-rail, and commuter rail.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.

Tips for getting cheap car insurance in Oregon

Comparing quotes from multiple auto insurers is the most reliable tactic for finding cheap car insurance in Oregon. Here are a few other common ways to save money on your individual car insurance premium:

  • Bundle two or more insurance policies.

  • Increase your deductible.

  • Use all available discounts.

  • Complete a safe driver course.

Liability-only vs. full-coverage insurance in Oregon

If you live in Oregon, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Each state sets its own minimums for how much liability insurance it requires drivers to carry. Liability-only insurance can make sense if:

  • You have a low-value vehicle.

  • You can afford to repair or replace your car out of your own pocket.

  • Getting the cheapest insurance possible is your top priority.

For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive pays for damages caused by events out of your control, like vandalism, weather, and animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.

You may also opt for full coverage if:

  • You have a high-value vehicle.

  • You wouldn’t be able to afford to repair or replace your car out of pocket.

  • Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.

Here’s a look at the cheapest auto insurance in Oregon by policy type.

Car Insurance CompanyAverage Monthly Quote: LiabilityAverage Monthly Quote: Full Coverage
GEICO$129$255
Nationwide$125$143
Progressive$104$206
State Farm$98$195
Travelers$78$109
Allstate$192$380
American Family$175$347
Amica$287$568
Bristol West$158$235
Dairyland$172$319
Direct Auto$152$175
Erie$69$137
Farmers$231$458
Kemper$140$181
Kemper Preferred$86$130
Kemper Specialty$127$196
Liberty Mutual$147$210
Midvale Home & Auto$135$197
Mile Auto$96$93
National General$96$145
Safeco$106$168
Stillwater$114$193
The General$240$358
USAA$119$235
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.

How your driving history affects Oregon car insurance rates

Your driving history is the factor that most influences your car insurance costs. Good drivers — whose records are free of serious traffic violations like speeding tickets or reckless driving — tend to get the best car insurance rates in Oregon. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.

Here’s a look at average monthly quotes for the cheapest car insurance in Oregon based on driving and accident history.

See More: High-Risk Car Insurance Oregon

Car Insurance CompanyClean RecordAt-Fault AccidentWith a DUISpeeding Ticket
Allstate$68$74$98$89
GEICO$46$50$66$60
Progressive$37$40$53$48
State Farm$35$38$50$46
USAA$42$46$61$55
American Family$347N/AN/AN/A
Amica$62$68$90$82
Bristol West$178$194$256$233
Dairyland$293$394$402$405
Direct Auto$160$221$239$225
Erie$452N/AN/AN/A
Farmers$82$89$118$108
Kemper$204$133$146$123
Kemper Preferred$119$158N/A$165
Kemper Specialty$172$257$249$256
Liberty Mutual$199$237N/A$250
Midvale Home & Auto$159$269N/A$263
Mile Auto$84$138$122$125
National General$63$195$167$163
Nationwide$127$197N/A$169
Safeco$155$194$165$192
Stillwater$157$294N/AN/A
The General$311$527$374$525
Travelers$103N/A$148$135
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.

See More: SR-22 Car Insurance Oregon

SR-22 insurance in Oregon

If you’ve committed a serious traffic violation in Oregon, like a DUI or reckless driving, the state will require you to get an SR-22 — a form that proves you’ve met the minimum car insurance requirements in the state. These are some of the insurance companies that issue SR-22s in Oregon.

How credit scores affect Oregon car insurance quotes

Many states use credit scores to determine car insurance rates. Generally, people with excellent or good credit scores can qualify for lower car insurance premiums than people with average or poor credit scores. But Oregon restricts how insurers can use credit. The state prohibits auto insurers from raising rates at policy renewal due to credit scoring.[5] They also can’t cancel or refuse to renew a policy because of your credit.

Credit TierAverage Monthly Quote
Excellent$184
Good$218
Average$238
Poor$369
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.

See More: Bad Credit Car Insurance Oregon

How your city affects Oregon insurance quotes

Car insurance rates vary greatly depending on where you live in Oregon. If you’re a resident of a larger city like Portland, for example, you’ll likely pay more for an auto policy than someone who lives in a rural city such as Sisters or Cottage Grove. The table below shows car insurance quotes in Oregon’s most populous cities.

CityAverage Monthly Quote
Albany$173
Beaverton$234
Bend$127
Corvallis$150
Eugene$168
Grants Pass$160
Gresham$260
Hillsboro$197
Lake Oswego$203
Medford$176
Oregon City$211
Portland$226
Redmond$138
Salem$210
Springfield$154
Tualatin$195
West Linn$215
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.

How your age affects your Oregon car insurance rates

Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older.

The following table gives a high-level view of how age can affect insurance rates.

Age GroupAverage Monthly Rate
Teenagers$419
Under 25$291
20s$194
30s$221
40s$168
50s$140
60s$140
70s$154
80+$155
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.

Quotes for younger drivers

Multiple other factors influence how much drivers in each age group will pay for car insurance. Some will increase rates for one age group more than another, while others will impact all age groups evenly.

The following table compares how different insurance factors affect average monthly rates for drivers younger than 30. Travelers offers the lowest average rates for liability and full coverage car insurance at just $86 and $127 per month, respectively.

Car Insurance CompanyLiability OnlyFull CoverageWith an AccidentWith a DUI
Bristol West$248$318$387$577
Liberty Mutual$215$278$295$541
Travelers$86$127$129$241
Dairyland$242$400$438$770
Direct Auto$236$243$282$460
Kemper$203$226N/AN/A
Kemper PreferredN/A$162$157N/A
Kemper Specialty$195$274$356$479
Midvale Home & Auto$186$270$337$464
Mile Auto$140$132$170$245
National General$147$195$251$342
NationwideN/A$208$253$370
ProgressiveN/A$213N/AN/A
Safeco$148$226$247$436
StillwaterN/A$205N/AN/A
The General$362$505$657N/A
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.

Quotes for middle-aged drivers

The following table compares how different insurance factors affect average monthly rates for drivers between 30 and 59 — the age group that earns some of the cheapest average premiums in Oregon. Middle-aged drivers with an accident earn low average rates of $105 with Mile Auto, $107 with Travelers, and $130 with National General.

Car Insurance CompanyLiability OnlyFull CoverageWith an AccidentWith a DUI
Liberty Mutual$125$186$196$358
Nationwide$127$134$170$239
Travelers$79$107$107$205
Bristol West$129$200$250$342
Dairyland$146$286$358$505
Direct Auto$122$140$160$249
Kemper$102$137N/AN/A
Kemper Preferred$83$123N/A$225
Kemper Specialty$99$155$192$279
Midvale Home & Auto$130$171$222$277
Mile Auto$80$77$105$137
National General$72$118$130$211
ProgressiveN/A$199N/AN/A
Safeco$103$152$172$279
StillwaterN/A$193N/AN/A
The General$204$290$355$529
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.

Quotes for senior drivers

The following table compares how different insurance factors affect average monthly rates for drivers 59 and older. Find affordable rates from Travelers, National General, Mile Auto, and more. On average, senior drivers in Oregon pay between $140 and $155 per month for auto insurance coverage. 

Car Insurance CompanyLiability OnlyFull CoverageWith an AccidentWith a DUI
Bristol West$94$171$255$142
Liberty Mutual$94$147$173$130
Travelers$72$90$99$85
Dairyland$126$240$295$220
Direct Auto$99$131$186$109
Kemper$93N/AN/AN/A
Kemper Preferred$88$128N/A$118
Kemper Specialty$88$143$174$134
Midvale Home & Auto$105$137$185$112
Mile Auto$74$68$92$65
National General$55$75N/A$69
Nationwide$99$106$118$102
Safeco$89$131$138$123
The General$196$320$425$273
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

  • The top insurers by market share with the lowest overall quotes in Oregon are Travelers and Nationwide, with monthly average premiums of $109 and $143, respectively. Progressive is a comparable option, with higher rates of $206 per month. Mile Auto and Kemper Preferred are smaller auto insurers with affordable average premiums of $93 and $130 per month.

    State Farm offers the lowest average quotes for drivers with all driving histories. This includes drivers with clean records and with a recent speeding ticket, at-fault accident, or DUI on their record. When age is factored into insurance premiums alongside coverage level and driving history, Travelers provides the cheapest rates for young, middle-aged, and senior drivers.

  • Around 19% of drivers in Oregon have a recent driving incident on their record, according to Insurify data. And the state ranks as the 40th-safest state for driving in the country. Higher numbers of driving incidents may increase average rates throughout the state. Oregon ranks 14th in number of speeding tickets, 19th in DUIs, fourth for suspended licenses, and 19th for accidents.

    The state’s minimum requirements exceed the requirements in many other states because Oregon requires personal injury protection (PIP) and uninsured/underinsured motorist coverage. This higher baseline of coverage also likely increases average rates for drivers in Oregon.

  • Proprietary Insurify data found that the average cost of car insurance in Oregon is $235 per month, which is comparable to the national average of $233 per month. Oregon is the 32nd-cheapest state for purchasing car insurance. Car insurance in the state is cheaper than rates in Nevada but more expensive than Washington.

    Costs fluctuate in Oregon and other states frequently, which makes comparison shopping at the time of policy renewal important. For example, between July 2021 and July 2022, average rates in Oregon increased by 26%. As insurance companies continue to react to industry conditions and supply chain changes, some providers might announce changes to their premiums.

  • A variety of reputable, highly rated auto insurance companies sell insurance in Oregon, including Travelers, Nationwide, Progressive, and Liberty Mutual. These providers charge Oregon drivers an average monthly quote between $109 and $210. Your budget and specific insurance needs will determine the ideal provider for you, but these providers are reliable.

    With an Insurify Composite Score (ICS) of 89, Nationwide offers drivers affordable coverage and has an A+ rating from A.M. Best. Travelers earned an ICS of 80, and both Travelers and Progressive have strong financial ratings of A++ from A.M. Best. Liberty Mutual has an ICS of 82 and an A- rating from A.M. Best.

  • Yes, state law requires Oregon drivers to carry at least $15,000 in personal injury protection (PIP) coverage. PIP coverage applies to costs for medical expenses, lost wages, child care, and more. Specifics for what your PIP insurance covers depend on your auto insurance provider.

    Oregon does not require medical payments coverage, or MedPay, which is similar to PIP. Drivers must also purchase the state’s minimum car insurance, including bodily injury and property damage liability coverage.

  • Yes, Oregon state law requires drivers to purchase minimum amounts of car insurance. To drive legally in the state, your policy must cover up to:

    • $25,000 per person and $50,000 per accident for bodily injury

    • $20,000 per accident for property damage

    • $15,000 for PIP coverage

    • $25,000 per person and $50,000 per accident for uninsured motorist coverage

    Oregon’s insurance requirements are more robust than many other states. Bodily injury and property damage insurance cover the costs of medical payments and property damage for other people involved in an accident the insured caused. PIP insurance covers your medical costs, and uninsured motorist insurance is for bodily injury caused by uninsured drivers.

  • In Oregon, liability car insurance policies usually follow the vehicle rather than the driver. For example, if you let your friend or family member borrow your car and they get into an accident, your insurance should cover the damages. If the damage exceeds your policy limits, however, their policy may apply and pay for the difference in some cases.

    Auto insurance providers may handle these claims differently, but most car insurance companies will allow the coverage to follow the car rather than the driver. That said, if the person who borrowed your car is unlicensed, your coverage may not apply. And the unlicensed driver will face legal and financial consequences.

  • Full-coverage insurance in Oregon provides more than the state’s minimum liability coverage, which includes bodily injury coverage per person and per accident, property damage, PIP, and uninsured/underinsured motorist coverage. Full coverage also includes collision and comprehensive coverage to protect your vehicle no matter who is at fault for an accident.

    The state’s minimum liability insurance covers costs of medical payments and property damage for others if you caused an accident, vehicle and individual costs for accidents with uninsured drivers, and personal medical payments. Together, collision and comprehensive coverage apply to vehicle damage from accidents, natural disasters, theft, and vandalism.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Sources

  1. State of Oregon. "Oregon Driver & Motor Vehicles Services." Accessed November 30, 2022
  2. Oregon Driver & Motor Vehicle Services. "State Minimum Car Insurance Requirements." Accessed November 30, 2022
  3. Oregon Driver & Motor Vehicle Services. "Online Services." Accessed November 30, 2022
  4. Oregon Department of Transportation. "Public Transportation." Accessed November 30, 2022
  5. Oregon Division of Financial Protection. "A Consumer's Guide to Auto Insurance." Accessed November 30, 2022
Anna Baluch
Written by
Anna Baluch
Linkedin

Insurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.

Learn More
Katie Powers
Edited by
Katie Powers
Linkedin

Insurance Writer

Photo of an Insurify author
Edited by
Katie Powers
Insurance Writer
Katie Powers is an insurance writer at Insurify with a producer’s license for property and casualty insurance in Massachusetts and expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.
Stephen DeFord
Reviewed by
Stephen DeFord

Licensed Insurance Agent at Insurify

Icon of a man
Reviewed by
Stephen DeFord
Licensed Insurance Agent at Insurify
Stephen DeFord is an insurance agent at Insurify's in-house agency. As a licensed agent, Stephen specializes in auto, home, and commercial insurance. Stephen helps customers navigate the complicated world of insurance shopping.
Konstantin Halachev
Data reviewed by
Konstantin Halachev
Linkedin

VP of Engineering

Headshot of Konstantin Halachev, VP of Engineering at Insurify
Data reviewed by
Konstantin Halachev
VP of Engineering
Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.