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.
Chris SchaferDeputy Managing Editor, News and Marketing Content
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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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.
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.
$110/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.
$178/mo
3.1
A solid optionBased on 820 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 (441)
Michelle
June 11, 2025
Verified Review
Very easy process
It was really easy to use.
Xochitl
May 18, 2025
Verified Review
Bait and Switch
They attracted me with low monthly payments, but then the rate increased after the first month.
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.
1.93
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
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
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.
$118/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.
$265/mo
3.7
A solid optionBased on 303 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 (161)
Bobbi
June 9, 2025
Verified Review
Never really had interaction with anybody who works there; it's all been done online
Rates are reasonable, and everything is done online.
Michelle
June 5, 2025
Verified Review
Buying a new policy with Dairyland Insurance Company
Yes, I would refer them to a friend. It was extremely easy to get and pay for my policy.
Tohniejo
May 6, 2025
Verified Review
It's a Good Company
Dairyland isn't a bad insurance company. It's just that as a single mom, I need the amount I pay each month to be lower and close to the same amount every month.
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.
1.49
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
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
Works with 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]
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.
$152/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.
$200/mo
3.6
A solid optionBased on 3,011 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 (1,730)
Lonnie
June 14, 2025
Verified Review
I don’t like the high prices for just liability
I think Liberty is way too expensive for me, a 71-year-old man with a great driving record!
Barbara
June 6, 2025
Verified Review
Great
Very good, easy to get answers, and got the best price available.
Edward
June 3, 2025
Verified Review
Expensive Liberty Mutual
I haven’t had any direct experience with them, though the premium I am paying is too high.
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.
4.28
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
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 program
Lifetime guarantee for car repairs following an accident
Cons
Below-average J.D. Power customer satisfaction score in the Northwest region
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.
$69/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.
$81/mo
4.2
Best choiceBased on 110 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 (43)
Betty
June 11, 2025
Verified Purchase
Loving it with bumps...
I really don't know what my policy covers. I know I get liability insurance. I love the rates, making car insurance not such a burden on a fixed income. I have troubles here and there with my phone being out of memory, and the office will have to accept my odometer reading text message. But that's my fault; I guess I need a memory card or SD card. But I love Mile Auto.
Beverly
June 10, 2025
Verified Review
I think I just did that.
I think you should give Mile Auto a try. So far, I do.
Hector
May 28, 2025
Verified Purchase
Very nice and Happy.
I have already told several people about you and I have shown them my bills so that they can see that what I say is true. I regret not having known about you before, but so far I am doing free promotion because you deserve it and are sending a great message to those other large insurance companies.
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.
2.18
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 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.
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.
$106/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.
$151/mo
4.4
Best choiceBased on 865 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 (488)
Jerri
June 6, 2025
Verified Review
SAFECO Ins. - Not for Me
WARNING - Stick with whatever payment plan you begin with. I used to pay in full for each six-month policy. Last month I was short, so I paid 72% of my six-month premium on the 6th and tried to pay the balance on the 28th. (Premium for the six months was due on May 1.) They refused the payment and canceled my policy. I had been with them since 2021. No loyalty - no reinstatement, they just sent me a refund less one month! BEWARE - they would not negotiate at all, no renewal. Then they showed I had no insurance and the rate skyrocketed everywhere because when they checked me out online, it said I currently had no insurance!
Pat
May 30, 2025
Verified Review
Not Satisfied
Rates go up each year with no claims.
Thomas
May 22, 2025
Verified Review
Safeco handled my flood damage from Hurricane Ian satisfactorily.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
816
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.72
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
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 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.
Find out a company’s financial strength
Companies like AM Best and the Kroll Bond Rating Agency 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 recommends obtaining quotes from at least three companies. You can do this online or through an agent.
Find Cheap Car Insurance in Oregon
Check quotes from 120+ top insurance companies
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Based on 3,806+ reviews
4.8/5
Average cost of car insurance in Oregon
The average cost of car insurance in Oregon is $126 per month, which is lower than the national average of $151. But motorists in Oregon aren’t immune from the rising cost of car insurance.
Per a 2024 J.D. Power report, U.S. auto insurance rates had climbed an average of 11% over the previous year and “do not appear to be leveling off anytime soon.”
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 $98 per month, and the average rate for full-coverage car insurance is $154 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]
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.
Edited byChris SchaferDeputy Managing Editor, News and Marketing Content
Chris SchaferDeputy Managing Editor, News and Marketing Content
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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