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Best Car Insurance Companies in Oregon 2022: Quotes, Discounts

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Courtney Levin

By: Courtney Levin

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated April 5, 2022

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Quick Facts

  • Insurify’s best-rated insurance provider in Oregon is Nationwide.
  • Travelers is the cheapest insurer on average in Oregon, with average rates of $108 per month.
  • The best-rated car insurance provider might not be the best for every unique driver profile, so it’s important for drivers to compare quotes from multiple insurers before buying a policy.

From the rocky shores of the coast to the snow-capped mountains, Oregon offers a picturesque view from nearly any road. But before you get behind the wheel, it’s important to ask yourself if you have the right auto insurance for your needs. If not, there’s one place you can find the best Oregon car insurance in just a matter of minutes.

By comparing real-time quotes from a range of insurance providers, Insurify helps Oregonians discover the best rates for their unique driving needs. Simply answer a few questions about your vehicle, your driving history, and where you live, and Insurify does the rest! Oregon drivers can save time and money by shopping online for auto insurance with Insurify.

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Best Car Insurance Companies 2022

Shopping for car insurance quotes doesn’t have to be challenging, as Oregon offers a number of affordable insurance coverage options. If you’re looking to make a change to your coverage, keep reading to learn more about the best car insurance companies in Oregon.

RankCompany NameAverage Cost Per Month in OregonInsurify Composite Score
1Nationwide$15689
2Safeco$15886
3Liberty Mutual$18982
4Travelers$10880
5National General$10858
6The General$269Not Rated
7Direct Auto$144Not Rated
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Insurify Composite Score Methodology

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

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

Top Car Insurance Companies: Find the Right One for You

What is the best car insurance company in Oregon?

In Oregon, Nationwide, Safeco, Liberty Mutual, and Travelers all reliably pay claims, have high customer ratings, and offer good rates to drivers. Keep in mind that what you pay for car insurance will depend on your age, gender, driving record, credit score, and other factors in your unique driving profile.

Just as every Oregon driver is unique, each motorist in the Beaver State will have specific insurance requirements. You may be after a minimum coverage policy, while your neighbor might prefer full coverage. Whatever preferences you have, the following seven companies are worth checking out when it comes to Oregon auto insurance.

See More: Full-Coverage Car Insurance

See More: Bundle Home & Auto Insurance

1
Nationwide logo

Nationwide

Average monthly cost:
$156
Insurify Composite Score:
89

Great customer service combined with affordable car insurance rates makes Nationwide a popular insurance provider for Oregonians. Policyholders rave about Nationwide’s easy claims process and love its range of options.

Top discounts that the company offers include:

  • Lower rates for vehicles with anti-theft devices
  • Savings for members of alumni associations
  • A telematics program that rewards good drivers

Nationwide offers some of the cheapest rates in Oregon, particularly if you’re over 60, with premiums that start around $116.

Driver CategoryAverage Monthly Cost
Drivers Under 25$276
Drivers Over 60$116
Safe Drivers (No Prior Violations)$149
Drivers With a Prior Accident$198
Drivers With a Prior Speeding Ticket$202
Drivers With Average Credit$168
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
2
Safeco logo

Safeco

Average monthly cost:
$158
Insurify Composite Score:
86

Motorists looking for full-coverage car insurance at a reasonable rate typically choose Safeco, a provider that’s part of Liberty Mutual. Safeco rewards good driving records with low premiums; however, even high-risk drivers have a wealth of coverage options to consider.

Top discounts that the company offers include:

  • Savings when you cover multiple vehicles
  • Lower rates after completing an accident prevention course
  • Cheaper deductibles each year you remain claim-free

Safeco is considered to be one of the best cheap car insurance options in Oregon, as some of its highest rates are still below $300.

Driver CategoryAverage Monthly Cost
Drivers Under 25$279
Drivers Over 60$119
Safe Drivers (No Prior Violations)$144
Drivers With a Prior Accident$203
Drivers With a Prior Speeding Ticket$210
Drivers With Average Credit$165
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Most drivers will find that Liberty Mutual’s premiums tend to fall slightly higher than national average rates, but many motorists don’t mind, as the company is well known for providing excellent customer service.

Top discounts that the company offers include:

  • Savings for young drivers away at college
  • Lower annual premiums for hybrid or electric vehicles
  • Discounts when you opt for paperless billing

Oregon residents looking for a robust auto insurance policy will find affordable rates through Liberty Mutual that range from $124 to $309.

Driver CategoryAverage Monthly Cost
Drivers Under 25$309
Drivers Over 60$124
Safe Drivers (No Prior Violations)$180
Drivers With a Prior Accident$214
Drivers With a Prior Speeding Ticket$221
Drivers With Average Credit$199
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
4
Travelers logo

Travelers

Average monthly cost:
$108
Insurify Composite Score:
80

Ideal for those looking to save money, Travelers provides a wide range of car insurance discounts. Oregon drivers can choose from a variety of coverage limits and deductibles to help keep their car insurance premiums low.

Top discounts that the company offers include:

  • Lower auto insurance rates for homeowners
  • Multi-car and multi-policy savings
  • Discounts for EFT utilization

Travelers provides policies that meet and exceed state minimum requirements, sometimes at rates below $100.

Driver CategoryAverage Monthly Cost
Drivers Under 25$151
Drivers Over 60$91
Safe Drivers (No Prior Violations)$100
Drivers With a Prior Accident$127
Drivers With a Prior Speeding Ticket$148
Drivers With Average Credit$115
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

With longstanding roots in the auto insurance industry, National General’s premiums are some of the lowest in the state. Motorists with clean driving records appreciate the low rates, while those with a previous DUI can often enroll in affordable coverage as well.

Top discounts that the company offers include:

  • Extra savings for drivers who own a GM vehicle
  • Lower rates after signing up for OnStar services
  • Cheaper prices if you drive fewer than 7,500 miles annually

National General’s rates are usually lowest for those with good credit, safe drivers, and drivers over the age of 60.

Driver CategoryAverage Monthly Cost
Drivers Under 25$177
Drivers Over 60$66
Safe Drivers (No Prior Violations)$97
Drivers With a Prior Accident$145
Drivers With a Prior Speeding Ticket$135
Drivers With Average Credit$108
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
6
The General logo

The General

Average monthly cost:
$269
Insurify Composite Score:
N/A

Acquired by American Family in 2012, The General is best known for helping drivers who have poor credit, have a less-than-great driving record, or are looking for minimum insurance coverage only. Premiums are highest for teen drivers but often become cheaper over time.

Top discounts that the company offers include:

  • Savings based on your vehicle’s safety features
  • Lower rates when you temporarily double your deductibles
  • Discounts for remaining violation-free

The General’s policy options may cost more than others, but some Oregon drivers can enroll in coverage for as little as $214.

Driver CategoryAverage Monthly Cost
Drivers Under 25$414
Drivers Over 60$214
Safe Drivers (No Prior Violations)$238
Drivers With a Prior Accident$383
Drivers With a Prior Speeding Ticket$346
Drivers With Average Credit$267
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
7
Direct Auto logo

Direct Auto

Average monthly cost:
$144
Insurify Composite Score:
N/A

Specializing in coverage for high-risk drivers, Direct Auto prides itself on its range of insurance options. With a reputation for stellar customer service and the ability to manage your policy online, Direct Auto is quickly making a name for itself.

Top discounts that the company offers include:

  • Substantial discounts for military members
  • Lower rates for senior citizens
  • Savings when you renew your policy

Young drivers tend to pay higher rates with Direct Auto; however, with an established driving history, premiums may be as low as $91.

Driver CategoryAverage Monthly Cost
Drivers Under 25$228
Drivers Over 60$91
Safe Drivers (No Prior Violations)$132
Drivers With a Prior Accident$189
Drivers With a Prior Speeding Ticket$180
Drivers With Average Credit$143
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Average Monthly Cost of Car Insurance in Oregon

From Portland to Medford, Oregon drivers across the state have a wealth of affordable car insurance options. Rates will vary based on your location, credit score, and more, but you can expect to pay premiums similar to the following:

CityAverage Monthly Premium
Albany$157
Beaverton$213
Bend$134
Eugene$149
Grants Pass$127
Gresham$233
Hillsboro$197
Klamath Falls$130
Medford$143
Portland$206
Salem$189
Springfield$142
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How to Determine the Best Car Insurance Company for Yourself

Insurify takes the guesswork out of shopping for auto insurance, as Oregon drivers can compare real-time quotes in just a few minutes. Simply provide your vehicle information, driving history, and where you live, and Insurify does the rest.

You can view a range of policies that include robust features like personal injury protection, uninsured motorist coverage, bodily injury liability limits, and more. Once you’ve found the best option for your needs, enrollment takes just a few minutes.

Whether you have a clean driving record or you’ve been in a few car accidents, Insurify can help you save time and money. Now, you can choose from the best car insurance options in Oregon in the time it takes to enjoy your morning cup of coffee!

See More: Car Insurance for Bad Driving Records

Frequently Asked Questions

  • Every driver has different priorities when it comes to auto insurance. Some may value higher liability coverage, while others look for robust comprehensive coverage. Whatever your needs are, there are a number of car insurance companies in Oregon that offer low auto insurance rates.

  • Insurance costs vary due to a number of factors, including your credit score, driving history, and vehicle type. It’s important to make sure you enroll in a policy with at least the minimum liability requirements and keep in mind that the best auto insurance may not always be the cheapest.

  • Auto insurance is unique, and every Oregon driver will have different priorities. You’ll want to start with the minimum state requirements. But you may find that you want substantial collision coverage and minimum liability insurance, while others may prioritize property damage liability. Ultimately, you should enroll in a policy that’s affordable and makes sense for your driving habits.

  • The best car insurance is only a click away with Insurify. After answering a few questions, you’ll be able to compare real-time quotes from the best insurance providers in your area. Insurify makes enrolling in car insurance easy and helps you save on your monthly premiums.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Courtney Levin
Courtney Levin

Content Writer at Insurify

A former licensed insurance producer, Courtney Levin has been a freelance writer since 2016. She graduated from Sonoma State University with a degree in Communications and has been creating content for Insurify for nearly two years.

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