Cheap Full-Coverage Car Insurance in Oregon (2026)
Oregon drivers can find the cheapest full-coverage car insurance from Mile Auto, with an average rate of $86 per month.
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Writer: Jessica MartelInsurance Writer
Writer: Jessica MartelInsurance Writer
Qualifications:
7+ years in personal finance writing
Certified Financial Education Instructor
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. Her work has appeared in Time’s Stamped personal finance marketplace, Consumer Affairs, Forbes Advisor, Money Under 30 and more.
Jessica specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. As an Insurify contributor since July 2023, she’s written hundreds of articles aimed at helping readers make informed decisions about insurance.
She holds a Masters of Science degree in Cognitive Research Psychology, and is a National Financial Educators Council Certified Financial Education Instructor.
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Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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Reviewer: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Reviewer: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Quick Facts
Full-coverage car insurance costs an average of $1,876 per year in Oregon.
Full-coverage car insurance in Oregon costs less than the national average of $2,242 per year.
Oregon has a high risk of animal collisions and is exposed to wildfires, winter storms, and floods, which can increase the cost of coverage.
Cheapest full-coverage car insurance in Oregon
Full-coverage car insurance in Oregon costs an average of $156 per month. Mile Auto offers the cheapest full-coverage car insurance in the state, at $86 per month.
The following table highlights the cheapest full-coverage car insurance in Oregon.
The below rates in Oregon are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Mile Auto | $86 |
| State Farm | $89 |
| USAA | $105 |
| GEICO | $114 |
| Safeco | $123 |
| Progressive | $132 |
| Country Financial | $133 |
| National General | $141 |
| Root | $147 |
| American Family | $152 |
| Bristol West | $154 |
| Allstate | $169 |
| Sun Coast | $179 |
| Liberty Mutual | $181 |
| Direct Auto | $193 |
| Dairyland | $205 |
| The General | $206 |
| Farmers | $207 |
| Travelers | $254 |
Disclaimer: Table data sourced from real-time Oregon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oregon may vary based on the policy buyer's unique driver profile.
How much is full-coverage insurance in Oregon?
The average cost of full-coverage insurance in Oregon is $156 per month, which is lower than the national average of $187.
Compared to other states, such as California or Florida, Oregon has many rural areas and a lower population density.[1] This can result in less traffic congestion, fewer opportunities for crashes, and lower car insurance premiums.
Oregon experiences a variety of severe weather events, including wildfires, winter storms, and floods. Exposure to severe weather can increase vehicle damage and insurance claims, which can drive up car insurance costs.
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How to find cheap full-coverage car insurance in Oregon
To find the best rates for full-coverage car insurance in Oregon, consider the following tips:
Improve your credit history. Oregon insurers can use your credit history as one factor in determining your car insurance premiums.[2] A higher score can result in lower premiums. A poor credit score can increase your rates.
Keep a clean driving record. Insurers review your driving history when calculating your premiums. Speeding tickets, at-fault accidents, or a driving under the influence (DUI) conviction can cause insurers to consider you a high-risk driver, which can increase your rates. Plus, many Oregon car insurers offer discounts to drivers who’ve maintained a clean record for three or more years.
Drive less. Insurers look at the number of average miles you drive each year. More miles can result in higher premiums. If you live in an urban area like Portland or Eugene, consider using public transit, carpooling, or biking to reduce your average miles traveled.
Take a defensive driving course. Oregon drivers 55 years and older may qualify for a car insurance discount after completing a DMV-approved motor vehicle collision prevention course. The discount generally lasts three years if you take the course before age 70 and two years if you take it at age 70 or older.
Bundle coverage. Many insurers offer bundling discounts when you purchase two or more policies. For example, bundling auto insurance with homeowners, renters, or life insurance coverage may earn you a discount.
Compare car insurance rates. One of the easiest ways to save is to compare rates among Oregon insurance companies. Shop around to multiple insurers and compare rates before you make a decision.
What full-coverage car insurance covers
Full-coverage car insurance isn’t a policy type. Instead, it’s a combination of several coverages. In Oregon, full-coverage auto insurance typically includes liability, personal injury protection, uninsured motorist, comprehensive, and collision coverage.
Liability coverage
Liability insurance helps pay for injuries and damages you cause to someone else.
Personal injury protection
PIP pays medical expenses and other related costs for you and your passengers, regardless of who causes the accident.
Uninsured motorist coverage
UM coverage helps pay for your injuries caused by an uninsured driver.
Comprehensive coverage
Comprehensive insurance pays for damage to your car caused by something other than a collision, such as flooding, hail, wildfire, theft, fire, or vandalism.
Collision coverage
Collision coverage pays for damage to your vehicle caused by a collision with another car or object or by rolling over.
Car insurance requirements in Oregon
Oregon is an at-fault state, meaning the driver who causes a crash can be financially responsible for the other party’s injuries and property damage. Oregon requires drivers to carry car insurance that meets the following minimum requirements.[3]
Bodily injury liability: To cover the cost of injuries you might cause to another person, you need to carry at least $25,000 per person and $50,000 per accident in bodily injury liability coverage.
Property damage liability: To cover the costs of damages you might cause to another person’s property, you also need $20,000 in property damage liability coverage.
Personal injury protection: You need to carry $15,000 per person in personal injury protection, which helps cover the costs of your own medical expenses and lost wages if you’re hurt in an accident.
Uninsured motorist coverage: The state also requires at least $25,000 per person and $50,000 per accident in uninsured motorist bodily injury coverage. This helps protect you if you’re in a crash with a driver who doesn’t have auto insurance.
While you can legally drive with minimum coverage, insurance experts recommend purchasing higher limits to ensure you have enough protection.
Minimum vs. full-coverage car insurance in Oregon
It’s illegal to drive without the minimum amount of car insurance Oregon requires. Full-coverage car insurance is typically optional, but your lender might require it if you lease or finance your vehicle.
While liability coverage primarily protects other people and their property if you cause a crash, full-coverage auto insurance provides more protection for your own vehicle.
The table below compares liability-only coverage and full-coverage car insurance in Oregon.
Factor | Liability Only | Full Coverage |
|---|---|---|
| Average cost in Oregon | $91 | $156 |
| Required by Oregon law? | Yes | No |
| Required if you finance or lease your vehicle? | Yes (required by state law) | Yes (required by lenders/lessors) |
| Covers damage to your own car? | No | Yes |
| Covers damage to others’ cars? | Yes | Yes |
| Covers theft of your car? | No | Yes |
| Covers damage from wildfire, flooding, hail, animal collisions, and vandalism? | No | Yes |
Disclaimer: Table data is based on real-time Oregon quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Is full-coverage car insurance worth it in Oregon?
Full-coverage car insurance can be worth it, but it depends on several factors, such as where you live, the type of vehicle you drive, your budget, and your risk tolerance. While Oregon doesn’t require you to have a full-coverage policy, it can be worth it for many drivers.
For example, say you live near Bend, where wildlife collisions are a common risk on area highways. You’re driving home one night when you crash into a deer and total your SUV worth $40,000. Without comprehensive coverage, you’d generally be responsible for paying to repair or replace your vehicle. In this case, full-coverage car insurance might be worth it.
But if you own an older car that isn’t worth much, and you live in an area where there’s a lower chance of animal crossings and other risks, you may feel that full coverage isn’t financially worth it.
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Pros and cons of full-coverage car insurance in Oregon
Pros
Provides protection for your vehicle if you’re in a crash, regardless of fault
Covers your vehicle from common Oregon risks, like flooding, wildfires, and animal collisions
Can reduce your out-of-pocket costs after a covered claim
Cons
More expensive than state-minimum insurance
Likely will need to pay a deductible for collision and comprehensive coverage
Higher cost might not make sense for an older, lower-value vehicle
Full-coverage car insurance in Oregon FAQs
Here’s more information to help you decide if full-coverage is the best car insurance coverage for your needs in the Beaver State.
What is ‘full coverage’ Oregon car insurance?
Full-coverage car insurance in Oregon includes liability, personal injury protection, uninsured motorist, collision, and comprehensive coverage.
What factors affect the cost of full-coverage car insurance in Oregon?
Factors like your credit history, driving record, ZIP code, average mileage, the type of car you drive, and the policy limits you choose affect the cost of full-coverage car insurance in Oregon. Adding extra coverage options like roadside assistance can increase your rates.
What is the cheapest auto insurance for teens and young drivers in Oregon?
State Farm offers the cheapest car insurance in Oregon for teens and young drivers, with an average liability rate of $109 per month.
Sources
- U.S. Census Bureau. "QuickFacts Oregon."
- Oregon Revised Statutes. "ORS 746.661 — Use of credit history or insurance score."
- Oregon Driver & Motor Vehicle Services (Oregon DMV). "Insurance Requirements."
Methodology
Insurify data scientists analyzed more than 250 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 500+ 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
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
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Drivers in Beaverton can find the cheapest insurance from State Farm, with liability-only rates starting at $70 per month.
Cheapest Auto Insurance in Corvallis, Oregon
State Farm has the cheapest liability-only rates in Corvallis, with a rate of $48 per month.
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Cheapest Auto Insurance in Eugene, Oregon
State Farm offers the cheapest car insurance in Eugene, with minimum-coverage policies as low as $55 per month.
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State Farm is the cheapest car insurance company in Grants Pass, with monthly liability-only rates of $45.
Cheap Car Insurance Quotes in Medford, Oregon (October 2026)
State Farm offers the cheapest car insurance in Medford, at $49 per month for liability coverage. Medford’s small population and short commute times may contribute to its low rates.
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State Farm has the cheapest liability insurance in Portland, Oregon, averaging $77 per month. The city’s vehicle theft rate and high population density affect car insurance rates.
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Cheapest Auto Insurance in Salem, Oregon
Salem drivers can find the cheapest car insurance rates from State Farm. The insurer’s liability rates start at just $68 per month.
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Best Cheap Auto Insurance in Springfield, Oregon
State Farm, USAA, and Mile Auto offer the cheapest car insurance rates in Springfield.
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State Farm offers the lowest average minimum-coverage insurance rates in The Dalles, at $53 per month. Drivers in The Dalles share I-84 with freight traffic moving through the Columbia River Gorge, where high winds and changing weather can affect insurance rates.
Writer: Jessica MartelInsurance Writer
Writer: Jessica MartelInsurance Writer
Qualifications:
7+ years in personal finance writing
Certified Financial Education Instructor
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. Her work has appeared in Time’s Stamped personal finance marketplace, Consumer Affairs, Forbes Advisor, Money Under 30 and more.
Jessica specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. As an Insurify contributor since July 2023, she’s written hundreds of articles aimed at helping readers make informed decisions about insurance.
She holds a Masters of Science degree in Cognitive Research Psychology, and is a National Financial Educators Council Certified Financial Education Instructor.
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Reviewer: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Reviewer: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.