Cheapest Auto Insurance in Eugene, Oregon (2024)

Mile Auto offers the cheapest car insurance in Eugene, with minimum-coverage policies as low as $52 per month.

Christy Rakoczy
Written byChristy Rakoczy
Christy Rakoczy
Christy Rakoczy

Christy Rakoczy has been a personal finance and insurance writer for over a decade. Her work has been published on USA Today, MSN, Yahoo Finance, Credit Karma, Forbes Advisor, and more. Christy has a JD from UCLA School of Law and previously worked as a data analyst for Blue Cross and as a paralegal studies instructor before transitioning to writing full time.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • 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.

Updated July 14, 2024

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Cheapest recent rates near Eugene, Oregon

Recent Eugene, Oregon car insurance prices for Ford, Toyota, Volkswagen , and more.

*Quotes generated for Insurify users in and around Eugene, Oregon within the last 10 days. Last updated on July 11, 2024

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 July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Eugene, Oregon within the last 10 days. Last updated on July 11, 2024

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 July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Drivers in Eugene can expect to pay an average of $160 per month for full-coverage car insurance and $92 for liability-only coverage. The city’s liability rates are less than both Oregon’s average of $138 and the national average of $160 per month.

Eugene is the third-largest city in Oregon and home to the University of Oregon — both factors that could result in high rates.[1] But the city’s 250 miles of bicycle trails and walkable downtown area reduce the number of drivers on the roads, resulting in less frequent accidents and relatively affordable insurance costs. You should compare car insurance quotes from multiple insurers to find the best rate.

Quick Facts
  • Mile Auto, Safeco, and National General are the cheapest car insurance companies for Eugene drivers.

  • Oregon is an at-fault state, so a driver who causes an accident is liable for damages.

  • Insurers in Oregon can use your credit history when determining your car insurance rate.

Cheapest car insurance companies in Eugene

The cheapest car insurance for one driver may not necessarily be the best option for you — each insurer weighs driving factors differently. It’s important to get quotes from a few companies to ensure they’re not just the cheapest overall but the best for your specific needs.

Here’s a breakdown of some of the best car insurance companies in Eugene.

Insurance CompanyIQ 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.
Full CoverageLiability OnlyBest for
Safeco9.3$120$82Affordability
Mile Auto7.5$71$57Infrequent drivers
Liberty Mutual7.7$173$102Flexible coverage options
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 28,000 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.

Best insurer for affordability: Safeco

Compare personalized, real-time quotes
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.
8.3/10
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.
$75/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.
$110/mo

A subsidiary of Liberty Mutual, Safeco offers some of the cheapest car insurance rates in Eugene and scored above average in customer satisfaction, according to J.D. Power’s 2023 U.S. Auto Insurance Study. It offers numerous coverage options, including collision, comprehensive, and medical payments. Safeco also provides multiple discounts, including good driving and vehicle safety discounts.

Pros
  • Affordable premiums

  • Various discounts for young adults

Cons
  • Discounts and coverage options not available in every state

  • Gap insurance not available

Read more driver reviews of Safeco
Virginia - July 13, 2024
Verified

Expensive

I feel like it's just getting too expensive.

James - July 13, 2024
Verified

Insure ME

It's easy to apply and interact with Safeco. The overall coverage and price make it one of the best companies I have dealt with.

Lance - July 8, 2024
Verified

Excellent

I'm satisfied with their service, I'm just looking for a better price.

Best insurer for infrequent drivers: Mile Auto

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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.
7.5/10
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.
$52/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.
$65/mo

With a pay-per-mile structure, Mile Auto is a good choice for people who drive fewer than 10,000 miles per year. Mile Auto’s website states it can help low-mileage drivers save 30% to 40% off their current rates. You only need to send in a picture of your odometer to report your mileage. Keep in mind, though, that some financing companies that require borrowers to have full coverage policies may not accept pay-per-mile insurance.

Pros
  • Affordable rates for low-mileage drivers

  • No tracking device

Cons
  • Available in only 11 states

  • Has limited coverage options

Read more driver reviews of Mile Auto
Deborah - July 8, 2024
Verified

Sometimes Better Than Others

They're good, it just takes a while for them to do anything.

Best insurer for flexible coverage options: Liberty Mutual

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User Reviews
2.9
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.
$93/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.
$158/mo

Liberty Mutual offers auto, homeowners, condo, renters, flood, life and other insurance products. Policyholders have access to numerous discounts, including bundling, good student, military, student-away-at-school, claims-free, violation-free, and multi-car discounts.

Pros
  • Wide range of available discounts

  • Accident forgiveness available

Cons
  • Many negative reviews and customer complaints

  • Premiums are relatively high compared to industry average

Read more driver reviews of Liberty Mutual
Wanda - July 13, 2024
Verified

Wanda

Excellent company.

Melinda - July 13, 2024
Verified

Stay Away from Liberty Mutual

Liberty Mutual starts out with reasonable rates, but then the rates double.

John - July 13, 2024
Verified

Fair

They raised my premium to a point where I could not afford it.

Find Cheap Car Insurance in Eugene, Oregon

Rates start at $52 per month for liability coverage

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How to get the cheapest car insurance in Eugene

Insurers set premiums by estimating the likelihood you’ll make a claim. They consider various factors in determining the likelihood of a covered incident, such as your age, driving history, and location. You’ll want to do all you can to present a low risk to get the most affordable coverage. Here are some of the steps you can take:

  • Shop around. Rates can vary dramatically between insurers. It’s crucial to shop around and get quotes from multiple companies to know you’re getting the best deal for your needs.

  • Increase your deductible. Your collision and comprehensive deductibles are an amount you must pay before your insurer pays a covered claim. Increasing your deductible may lower your insurance bill but increase your out-of-pocket costs in the event of an accident. Liability coverage doesn't have a deductible.

  • Improve your credit score. Insurers in Oregon can use your credit history when setting rates, and they often perceive people with poor credit as riskier and adjust rates accordingly. Improving your credit history can help lower your insurance costs.

  • Apply for discounts. Insurance companies usually offer various discounts that can help you save money on your auto policy, such as good student and defensive driver discounts.

  • Bundle your home and auto insurance policies. Many insurers offer discounts if you bundle your auto insurance with homeowners, renters, or life insurance.

Cheapest liability-only car insurance in Eugene: Mile Auto

Liability car insurance helps cover the other driver’s expenses if you cause an accident, such as medical expenses and the cost to repair or replace their vehicle. However, it won’t cover your own vehicle damage and medical expenses.

The cheapest insurer for liability-only car insurance in Eugene is Mile Auto, with an average cost of $52 per month. The table below shows companies offering affordable liability insurance to Eugene drivers.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Mile Auto$52
Safeco$75
National General$89
Liberty Mutual$93
GAINSCO$95
Midvale Home & Auto$99
Direct Auto$106
Dairyland$112
Bristol West$125
The General$136
Root$144
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 full-coverage car insurance in Eugene: Mile Auto

Full-coverage auto insurance goes beyond the minimum protections required to provide broader protection. A typical full-coverage policy will include both comprehensive and collision coverages. These policies pay for damage to your vehicle from accidents you cause, as well as non-collision events, such as theft, fire, and vandalism.

The cheapest insurer for full-coverage car insurance in Eugene is Mile Auto, with an average cost of $65 per month. You can find other insurers offering affordable full-coverage insurance in the table below.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Mile Auto$65
Safeco$110
Liberty Mutual$158
Midvale Home & Auto$161
GAINSCO$173
National General$180
Direct Auto$207
Root$232
The General$244
Bristol West$247
Dairyland$268
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 recent rates near Eugene, Oregon

Recent Eugene, Oregon car insurance prices for Mazda, Volkswagen, Chevrolet , and more.

*Quotes generated for Insurify users in and around Eugene, Oregon within the last 10 days. Last updated on July 11, 2024

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 July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Eugene, Oregon within the last 10 days. Last updated on July 11, 2024

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 July 11, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Oregon

All Oregon drivers must carry liability insurance. These are only minimums, however, and you should consider more coverage to minimize your out-of-pocket expenses after an accident.

Below are the minimum insurance coverage requirements in Oregon:[2]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$20,000 per accident
Personal injury protection$15,000 per person
Uninsured motorist coverage$25,000 per person / $50,000 per accident

In addition to Oregon’s minimum coverage requirements, you should consider the following optional coverages for broader protection on the road:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage helps pay for your repair bills if you’re involved in an accident with another vehicle or object, such as a pole or fence. It also covers rollover accidents and damage from hitting a pothole.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage helps pay for non-accident damage, such as from severe weather, theft, vandalism, fire, animal strikes, and cracked windshields.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap insurance

    Cars start depreciating as soon as you drive them off the lot. Gap insurance covers the gap between the depreciated value of your vehicle and the amount left on your loan or lease if your car is stolen or totaled.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental car reimbursement

    Rental car reimbursement pays for alternative transportation, such as rental cars or train and bus tickets, while your car is in the shop.

Cheapest car insurance for drivers with an incident

Drivers with incidents like speeding tickets, driving under the influence, or at-fault accidents on their records will typically see their insurance premiums increase for three to five years. Insurers view these situations as evidence that a motorist is more likely to be in a crash and make a claim for damages.

The premium increases can be substantial after an incident. But some insurers impose smaller premium increases than others, which is why it’s so important to compare insurance companies before buying a policy.

Shop for Car Insurance in Eugene, OR

Monthly rates start at $72 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: Mile Auto

Speeding drivers are more likely to get into an accident, and high-speed accidents are more likely to be serious and costly. As a result, a speeding ticket can lead to higher insurance premiums. The cost increases can vary by insurer, though.

In Eugene, the average cost of car insurance for drivers with speeding tickets is $250 per month for full coverage and $144 for liability policies. The following table illustrates how speeding infractions affect liability car insurance rates from some top insurers serving Eugene drivers.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Mile Auto$52$75
Safeco$75$104
National General$89$121
Liberty Mutual$93$139
GAINSCO$95$142
Midvale Home & Auto$99$140
Direct Auto$106$145
Dairyland$112$154
Bristol West$125$170
The General$136$188
Root$144$209
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

Having an at-fault accident on your driving record will typically result in your insurer increasing your rates. This is because insurance companies consider drivers who have caused an accident to be higher-risk than drivers with clean records. Purchasing accident forgiveness coverage can help keep your rate steady following your first at-fault accident.

Eugene drivers with at-fault accidents see average monthly rates of $143 for minimum coverage and $249 for full coverage. Here are average liability rates in Eugene for drivers with at-fault accidents.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Mile Auto$52$78
Safeco$75$102
National General$89$126
Liberty Mutual$93$141
GAINSCO$95$128
Midvale Home & Auto$99$147
Direct Auto$106$152
Dairyland$112$157
Bristol West$125$173
The General$136$194
Root$144$214
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

Impaired drivers are far more likely to be in accidents, so it’s not surprising that a DUI can result in a substantial increase in insurance premiums.[3] If you're convicted of driving under the influence, your insurer could cancel your policy mid-term, or decide not to renew it at the end of your policy term. Some insurers may refuse to cover you altogether, while some actually specialize in DUI coverage.

A DUI pushes average car insurance rates in Eugene to $281 per month for full coverage and $161 for liability-only policies. Here's how a DUI affects liability rates for Eugene drivers.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Mile Auto$52$80
Safeco$75$129
National General$89$153
Liberty Mutual$93$160
GAINSCO$95$163
Midvale Home & Auto$99$170
Direct Auto$106$182
Dairyland$112$193
Bristol West$125$215
The General$136$234
Root$144$248
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

Around age 70, car insurance rates begin to increase slightly. Age-related changes in physical and cognitive abilities can put senior drivers at greater risk of getting into an accident.

The average cost of car insurance for senior drivers in Eugene is $63 per month for minimum coverage and $110 for full coverage. Here are average monthly rates from some top Eugene insurers for senior drivers.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Mile Auto$36$45
Safeco$56$82
National General$63$128
Liberty Mutual$69$117
Midvale Home & Auto$69$112
GAINSCO$72$131
Direct Auto$75$146
Dairyland$82$196
Bristol West$92$181
The General$102$182
Root$109$175
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 are statistically the most likely to be in car crashes. Their inexperience and propensity toward dangerous driving behaviors mean teens present a high risk to insurers, so insurers charge them higher premiums.[4]

Teen drivers can help keep costs down by maintaining a clean driving record, remaining on their parents’ insurance as long as possible, driving a safe car, completing a defensive driving course, and taking advantage of good student discounts. Teens younger than 18 can't legally get their own policies without written consent from a parent or guardian.

In Eugene, teen drivers see average monthly rates of $301 for full coverage and $173 for liability-only policies. Here are some of the average monthly auto insurance quotes for teen drivers in Eugene.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Mile Auto$103$129
Safeco$159$233
GAINSCO$173$314
Liberty Mutual$175$297
Midvale Home & Auto$175$285
National General$176$355
Dairyland$192$459
Direct Auto$198$386
Bristol West$218$431
Root$226$365
The General$226$405
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.

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Eugene car insurance quotes by credit tier

Oregon law prohibits insurers from canceling auto insurance policies due to bad credit but allows insurers to take credit history into account when setting premiums for a new policy.[5] As the table below shows, drivers with excellent or good credit often pay less than drivers with poor credit.

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.

Is car insurance more expensive in Eugene?

No, auto insurance is generally less expensive for Eugene drivers than in many other parts of the U.S. On average, Eugene drivers pay $126 for car insurance, less than the state average of $138 and the national average of $160.

More cities in Oregon

Driver demographics and local accident rates can both affect auto insurance costs. More densely populated cities tend to have more expensive premiums than rural areas. The table below shows how costs compare in different Oregon areas.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Beaverton$132$214
Corvallis$92$154
Grants Pass$91$137
McMinnville$107$172
Medford$94$165
Portland$134$217
Redmond$82$164
Salem$118$209
Springfield$94$153
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.

Eugene car insurance FAQs

Finding the right car insurance can be challenging. Below, you’ll find answers to some of the most commonly asked questions about car insurance in Eugene.

  • How much is car insurance in Eugene?

    On average, car insurance in Eugene costs $160 per month for full coverage and $92 for liability-only insurance. Your premium will depend on location, driving record, age, gender, and credit history.

  • Who has the cheapest car insurance in Eugene?

    Mile Auto offers the cheapest car insurance rates in Eugene, starting at $52 for liability-only coverage. Eugene drivers can also find cheap rates from Safeco and National General, which have liability rates as low as $75 and $89, respectively.

  • What are the best car insurance companies in Eugene?

    Many reliable insurers offer coverage in Eugene, but State Farm, Mile Auto, and USAA are the best car insurance companies. State Farm and USAA have IQ Scores above 4.0 (out of 5) and strong ratings from AM Best and J.D. Power. And Mile Auto is the best option for infrequent drivers in Eugene, offering affordable pay-per-mile insurance.

  • How much is car insurance per month in Oregon?

    Car insurance in Oregon costs an average of $138 per month. Drivers can expect to pay $101 for liability coverage and $176 for full coverage.

  • Is car insurance expensive in Oregon?

    Car insurance in Oregon is slightly more expensive than the national average, but it’s not the most expensive state for car insurance. Oregon’s insurance rates are expensive partly because its minimum liability coverage requirements are higher than in many other states.

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.

Sources

  1. World Population Review. "Oregon Cities by Population (2023)."
  2. Oregon Department of Transportation. "Minimum Insurance Requirements."
  3. Nolo. "Will My Car Insurance Cover My DUI Car Accident?."
  4. Department of Insurance, SC - Official Website. "Teen Drivers, Insurance and Safety."
  5. OregonLaws. "ORS 746.661 Use of credit history or insurance score."
Christy Rakoczy
Christy Rakoczy

Christy Rakoczy has been a personal finance and insurance writer for over a decade. Her work has been published on USA Today, MSN, Yahoo Finance, Credit Karma, Forbes Advisor, and more. Christy has a JD from UCLA School of Law and previously worked as a data analyst for Blue Cross and as a paralegal studies instructor before transitioning to writing full time.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • 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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