Best Car Insurance in Oregon (2025)
Root, Dairyland, and Liberty Mutual are three of the best car insurance companies in Oregon.
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Written byJohn Egan
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20+ years in insurance and personal finance content creation
Contributor to top brands like USA Today
John specializes in insurance, personal finance, real estate, and health and wellness. In 2022, he authored a guide on content marketing for beginners.
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Edited byChris Schafer
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15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Table of contents
Table of contents
Picking a car insurance company can be tough — especially because each driver bases their purchase on certain priorities, like price and coverage.
To determine the best car insurance companies in Oregon, Insurify analyzed 50 insurance companies that offer coverage in the state. The following information should help you select the best car insurance company to meet your needs.
Best car insurance companies in Oregon
Root, Dairyland, Liberty Mutual, Mile Auto, and Safeco are some of the best car insurance companies in Oregon. As you begin your search, you can learn a bit more about each of these companies below.
Root: Best car insurance company overall
| User Reviews | 3.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.9 /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. | $108/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. | $169/mo |
3.4
A solid optionBased on 921 verified guest reviews and ratings
How drivers feel about Root
Drivers appreciate the easy sign-up process and initial affordability but dislike the significant rate increases over time and difficulty reaching customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based insurance
Safe drivers
Cheap rates
How drivers feel about Root
Drivers appreciate the easy sign-up process and initial affordability but dislike the significant rate increases over time and difficulty reaching customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based insurance
Safe drivers
Cheap rates
Reviews (465)
Susan
Verified Review
Steer Clear of Root
Reviewed in Indiana on November 2025
Steer clear! Their customer service is almost non-existent. Their claims processes take excessively long, and they don’t communicate with you during the process. They will also place you at fault regardless of the circumstances. They do not fully cover repair costs, even with full coverage.
Gary
Verified Review
Cheap Car Insurance
Reviewed in Texas on November 2025
Cheapest I could find and an easy app to use.
Deltra
Verified Review
Stressful Experience
Reviewed in Georgia on November 2025
I dislike it because the rates are too high. I have 3 vehicles on the policy and only have liability insurance and roadside assistance, yet I'm paying $697 a month. It doesn't make any sense.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.93A.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).
NRWhy we picked this company
It’s not a household name, but Root is Insurify’s pick for the best car insurance company in Oregon. Root receives an impressive Trustpilot rating of 4.3 out of 5 among often hard-to-please reviewers. In addition, the company offers some of the lowest car insurance rates in Oregon.
Pros
Good Trustpilot rating
A+ rating from the Better Business Bureau (BBB)[1]
Rates based primarily on driving behavior rather than non-driving factors
Cons
Must take a test drive to get coverage
Few discounts available
Mobile app earns a low rating
Dairyland: Best for high-risk drivers
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.7 /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. | $108/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. | $250/mo |
4.0
Best choiceBased on 343 verified guest reviews and ratings
How drivers feel about Dairyland
Drivers appreciate the affordable initial rates and the company’s willingness to insure when others won’t. But they dislike the frequent and unexplained rate increases, and some report poor customer service experiences.
AI-generated from the text of verified reviews collected by Insurify
Best For
Hard-to-insure drivers
Customer satisfaction
RV and motorcycle coverage
How drivers feel about Dairyland
Drivers appreciate the affordable initial rates and the company’s willingness to insure when others won’t. But they dislike the frequent and unexplained rate increases, and some report poor customer service experiences.
AI-generated from the text of verified reviews collected by Insurify
Best For
Hard-to-insure drivers
Customer satisfaction
RV and motorcycle coverage
Reviews (173)
Vicki
Verified Review
I Need Affordable Insurance
Reviewed in Arizona on November 2025
Every year when my policy ends, they increase my rates. I've never had an accident, I'm 64 years old, I've been driving for many years, and my vehicle is old. I've never had a DUI. Now I have moved to a different zip code in the same state, but my rate is increasing again. I can't afford this company.
Janice
Verified Purchase
Great service.
Reviewed in South Dakota on November 2025
I have had Dairyland Insurance for 2 months. Signing up was very easy and fast. I quickly received my documents and cards. I would recommend it.
Larry
Verified Purchase
Great Value!
Reviewed on November 2025
Very good and great value.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.49A.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
If you’re convicted of driving under the influence (DUI) or you’ve caused an at-fault accident, it might be tough to find a reasonably affordable car insurance policy. But some insurers specialize in serving high-risk drivers, including Dairyland.
While Dairyland’s rates are higher than a lot of car insurers in Oregon, they’re lower than others if you’re a high-risk driver. And you’ll probably enjoy good customer service. Dairyland earns 4.4 stars out of 5 on the Trustpilot review website.
Pros
Specializes in insuring high-risk drivers
Good Trustpilot rating
Mobile app has 3.5 out of 5 stars on Google Play
Cons
Relatively high rates
Higher-than-average number of complaints with the National Association of Insurance Commissioners (NAIC)[2]
No BBB accreditation
Liberty Mutual: Best for car insurance claims
| User Reviews | 3.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.7 /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. | $170/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. | $210/mo |
3.5
A solid optionBased on 3,195 verified guest reviews and ratings
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,802)
Richard
Verified Review
Average
Reviewed in South Carolina on November 2025
Way too much hassle getting started. I just got an email for $87 a month for the same coverage.
Frederick
Verified Review
They are bad at pricing
Reviewed in New York on November 2025
After I turned 65, my insurance went up 125%. It went from $860 a year to $2400 a year for no reason.
Daniel
Verified Review
Expensive but very good/excellent
Reviewed in Georgia on November 2025
Liberty Mutual can be expensive, but they are very good at handling claims and dealing with a lawsuit against me as a result of an accident.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
571NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28A.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).
AWhy we picked this company
Dealing with car insurance claims can be a hassle. But if you want to make the claims-filing process smoother, Liberty Mutual could be a wise choice. The company earned an above-average score in the J.D. Power 2024 U.S. Auto Claims Satisfaction Study.[3] Liberty Mutual says its website enables a policyholder to file a claim in less than 10 minutes.
Pros
High satisfaction with claims process
Savings of up to 30% possible with RightTrack telematics program
Lifetime guarantee for car repairs following an accident
Cons
Below-average J.D. Power customer satisfaction score in the Northwest region
Relatively high monthly rates
Mobile app has a low rating in the App Store
Mile Auto: Best for infrequent drivers
| User Reviews | 4.5 |
|---|---|
| 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. | 8.8 /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. | $70/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. | $84/mo |
4.5
Best choiceBased on 173 verified guest reviews and ratings
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
Reviews (59)
Johnny
Verified Purchase
Mile Auto has been good
Reviewed in Texas on November 2025
So far, it's been a smooth ride. They have answered questions and helped with adding vehicles. Seems to be a good insurance group.
Scott
Verified Purchase
Great Provider and Insurance
Reviewed in Georgia on November 2025
Easy to use and report monthly. GREAT so far. Pricing is great.
Charles
Verified Purchase
A great auto insurance option
Reviewed on November 2025
It's a great option for someone who drives an average amount of miles or less.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18A.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).
NRWhy we picked this company
Mile Auto stands out thanks to its offering of pay-per-mile coverage. The company charges a rate for the number of miles you each month plus a standard base rate.
With this type of coverage, a person who doesn’t drive much might save money when compared with a traditional insurer. Mile Auto claims drivers who buy its coverage can save 30%–40% compared to coverage with their current insurer.
Pros
Low-cost coverage for infrequent drivers
No tracking of mileage with electronic device
Many coverage options
Cons
Available in only seven states
Trustpilot rating of 3.2 out of 5 stars
No discounts available
Safeco: Best for rewarding good drivers
| User Reviews | 4.3 |
|---|---|
| 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. | 8.1 /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. | $102/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. | $144/mo |
4.3
Best choiceBased on 928 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (510)
Robert
Verified Review
I've Had This Insurance for Almost a Year and They Have Increased the Cost with Each 6-Month Bill
Reviewed in Virginia on November 2025
It's okay, kind of expensive. I don't like the price the company charges; way too much.
Harry
Verified Review
Best Price
Reviewed in Pennsylvania on November 2025
I have been unable to beat their rates.
Sharon
Verified Review
Good insurance but very expensive. I've asked year after year for lower rates without losing coverage, but I'm always told they couldn’t do any better.
Reviewed in Colorado on November 2025
Good insurance but very expensive. I've asked year after year for lower rates without losing coverage, but I'm always told they couldn’t do any better.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
607NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.72A.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).
AWhy we picked this company
If you’re safe behind the wheel, Safeco gives you several financial rewards. For example, the company waives your first accident after a set number of years as a Safeco policyholder without an at-fault collision or traffic violation. And if you go claims-free for six months, Safeco automatically sends you a check for 2.5% of your premiums, with a maximum of 5% per year.
Pros
Solid rewards for being a good driver
Potential deductible decrease for claims-free history
Many coverage options
Cons
Below-average J.D. Power customer and claims satisfaction ratings
Very few discounts available
Trustpilot rating of 1.7 out of 5 stars
Our editorial team analyzed regional and national auto insurance companies that sell policies in Oregon to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in Oregon
From shopping around to checking an insurer’s reputation, use the following tips to get the best car insurance in Oregon.
Look into discounts
Many insurers offer discounts such as a good driver discount, good student discount (which is especially helpful if you have young drivers on your policy), multi-car discount, low-mileage discount, early renewal discount, auto-pay discount, and a bundling discount.
Examine coverage
What kind of coverage do you need? And do the insurers you’re considering sell that type of coverage? Depending on where you live, you generally must carry minimum coverage: bodily injury liability insurance and property damage liability insurance. This is the case in Oregon, where you also must purchase uninsured motorist and personal injury protection coverage.
You might be able to skip optional coverages, such as rental reimbursement coverage and roadside assistance coverage, for example, to keep your premiums low.
Weigh the deductible
A deductible is the amount of money a car insurer subtracts from your payout for a claim. So, if you filed an accident claim, chose a $250 deductible and the repair bill totaled $5,000, your insurer would cover the remaining $4,750 after you paid the deductible.
In this scenario, if you had raised your deductible to $500, your insurer would pay the remaining $4,500. But that gap might be offset, as insurers often lower your premiums when you increase your deductible.
Keep in mind that deductibles only apply to optional coverage, like collision or comprehensive coverage, and not state-mandated liability coverage.
Find out a company’s financial strength
Companies like AM Best analyze insurers’ financial stability. Insurance companies with better financial strength scores are better equipped to pay out claims and could be more appealing because they’re a safer bet.
Check a company’s reputation
As you’re shopping for car insurance, explore online reviews and ask friends, relatives, and colleagues for recommendations to find out which insurer might be a good fit. Places to investigate an insurer’s reputation include the websites for market research company J.D. Power and review storehouse Trustpilot.
Shop around
Consider quotes from several insurers, not just one. The Insurance Information Institute (Triple-I) recommends obtaining quotes from at least three companies. You can do this online or through an agent.
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Average cost of car insurance in Oregon
The average cost of car insurance in Oregon is $115 per month, which is lower than the national average of $138. But motorists in Oregon aren’t immune from the rising cost of car insurance.
New tariffs may begin to increase costs of auto insurance starting later this year or in 2026, according to Triple-I.
Best car insurance in Oregon FAQs
If you’re shopping for car insurance in Oregon, this additional information may help as you research your coverage options.
How much is car insurance in Oregon?
The average rate for liability car insurance in Oregon is $90 per month, and the average rate for full-coverage car insurance is $140 per month.
What are the best car insurance companies in Oregon?
Root, Dairyland, Liberty Mutual, Mile Auto, and Safeco are among the top insurance companies in Oregon. Keep in mind the best insurer for you will depend on your own unique needs and considerations.
What is the required auto insurance coverage amount in Oregon?
In Oregon, it’s illegal to drive without car insurance, although certain antique and collectible cars are exempt from coverage. The state requires bodily injury liability, property damage liability, personal injury protection, and uninsured motorist coverage.[4]
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Sources
- Better Business Bureau. "Root."
- NAIC. "Results by Complaint Index."
- J.D. Power. "Auto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds."
- Oregon Driver & Motor Vehicle Services. "Minimum Insurance Requirements."
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John Egan
John Egan is a freelance writer and content marketing strategist in Austin, Texas. His specialties include personal finance, real estate, and health and wellness. John’s work has been published by outlets such as CreditCard.com, Bankrate, Forbes Advisor, Experian, Capital One, The Balance and U.S. News & World Report. He is the author of The Stripped-Down Guide to Content Marketing.
John has been a contributor at Insurify since October 2022.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.