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.
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.
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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Cheapest recent car insurance quotes in Oregon
Drivers in and around Oregon have found policies from Bristol West, National General, The General, and more, through Insurify in the last few days.
*Quotes generated for Insurify users from Oregon within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 December 19, 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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 December 19, 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 $131 per month, Oregon residents pay less than the national average of $153 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.
Mile Auto, National General, and Root offer the cheapest average liability insurance rates in the state.
Drivers in Oregon pay $99 per month for liability coverage and $163 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 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.
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 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.
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.
$60/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
4.1
Best choiceBased on 61 verified guest reviews and ratings
Reviews (32)
Ambrosher
December 18, 2024
Verified Purchase
Too Expensive
Too expensive.
Marilyn
December 16, 2024
Verified Purchase
Mile Auto: Jury's Still Out
Please inform me about my monthly charge. Also, avoid using all caps. The photo link needs fixing.
Eva
December 4, 2024
Verified Purchase
Good
Good savings for people who don't drive a lot of miles.
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
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.
$45/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
4.9
Best choiceBased on 1,646 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
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
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (940)
Arlington
December 18, 2024
Verified Review
Mediocre
It's too hard to get past all the checks and balances to verify you're a member. There are too many questions and memory items to get past their firewall. Lastly, everyone is working remotely, and you can hear the family activities in the background.
Peter
December 18, 2024
Verified Review
Not Happy with USAA
They increase premium rates without notifying you well in advance. They even raise the premium for a minor fender bender, like pulling out of a driveway into an illegally parked vehicle.
Donna
December 17, 2024
Verified Review
I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.
I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.
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
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.
$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.
$119/mo
4.2
Best choiceBased on 9,243 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
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
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,080)
Al
December 19, 2024
Verified Review
My Opinion
Way too high premium.
Agnes
December 19, 2024
Verified Review
Best Insurance Company
I have been with them for a long time. Claims are handled quickly. I never had a problem, even when I had three teenagers driving.
Gabriel
December 18, 2024
Verified Review
My Experience with State Farm
Beware, some companies are more interested in making money than meeting the customers' needs. My wife had a medical issue while driving, and they covered it. A year later, there was a fender bender involving two moving vehicles. To me, it was no fault, but they considered it a second incident. We also had hail damage to our roof. They said there wasn't enough damage, yet my next-door neighbors received a new one. Now, they're canceling me for too much.
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]
Find Cheap Car Insurance in Oregon
Liability coverage starts at $60 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 car insurance quotes in Oregon
Drivers in and around Oregon have found policies from Liberty Mutual, Mile Auto, Bristol West, and more, through Insurify in the last few days.
*Quotes generated for Insurify users within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 December 19, 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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 December 19, 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]
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 reimbursementprovides 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 $169 per month.
Shop for Car Insurance in Oregon
Monthly rates start at $74 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $191 per month. Find cheap average quotes from top Oregon insurers below.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
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.
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 $192 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: Sunday, December 1 at 11:00 AM PST.
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.
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 $219 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: Sunday, December 1 at 11:00 AM PST.
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.
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 $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: Sunday, December 1 at 11:00 AM PST.
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.
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 $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: Sunday, December 1 at 11:00 AM PST.
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.
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
Insurify partners with 100+ top insurers for real-time quotes
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $1,570 per year for car insurance. Each year, drivers in the state pay $1,183 for liability coverage and $1,956 for full-coverage insurance.
The overall monthly average cost of car insurance in Oregon is $131. Oregon drivers pay $99 per month for liability coverage and $163 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 $60 per month. National General and Root also offer affordable monthly rates, at $93 and $96, 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 9.3 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.
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.
OregonLaws. "ORS 746.661 Use of credit history or insurance score."
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.
Janet has been a contributor at Insurify since October 2022.
Edited byKatie PowersAuto and Life Insurance Editor
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.
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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