Cheapest Auto Insurance in Oregon (2024)
Mile Auto offers the cheapest liability car insurance in Oregon, at $60 per month.
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Written byJanet Berry-Johnson
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8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
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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Reviewed byShawn Powers
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Licensed insurance agent for 25+ years
15 years as VP of Sales and Operations at Answer Financial
Licensed in more than 40 states, Shawn leverages his deep industry expertise to support the accuracy and trustworthiness of Insurify’s content.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated November 20, 2024
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Table of contents
Known for its breathtaking coastlines and misty forests, Oregon is home to the country’s first scenic highway, the “King of Roads.” Drivers in the Beaver State pay relatively cheap rates for car insurance. With an overall average of $133 per month, Oregon residents pay less than the national average of $154 per month.
Oregon has a population density of 44.1 people per square mile, which may partially account for the low average car insurance rates.[1] Drivers in areas with fewer people have lower risks of having car accidents and facing property damage.
Here’s what you need to know about finding the cheapest auto insurance in Oregon, including tips to help you find the best deals.
Quick Facts
Mile Auto, National General, and Safeco offer the cheapest average liability insurance rates in the state.
Drivers in Oregon pay $100 per month for liability coverage and $166 for full coverage, on average.
In Oregon, insurance companies can consider credit-based insurance scores when determining your premiums.
Cheapest car insurance companies in Oregon
Insurance quotes from different companies can vary depending on your driving record, vehicle type, age, credit history, location, and more. When shopping around for coverage, you don’t want to pick an insurance policy based solely on cost. You need to consider your coverage needs, driver profile, and more.
The table below shows three of the best insurance companies offering cheap car insurance rates in Oregon.
Insurance Company ▲▼ | 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. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Mile Auto | 7.5 | $74 | $60 | Low-mileage drivers |
| USAA | 9.4 | $99 | $46 | Military members and their families |
| State Farm | 9.3 | $109 | $52 | Teen drivers |
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 low-mileage drivers: Mile Auto
| User Reviews | 4.2 |
|---|---|
| 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. | $60/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. | $74/mo |
4.2
Best choiceBased on 53 verified guest reviews and ratings
Reviews (29)
Cookie
October 15, 2024
Verified Purchase
Excellent
Low mileage rate.
Tasha
October 10, 2024
Verified Purchase
Not pleased
Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.
Thomas
October 8, 2024
Verified Purchase
Mixed Review
Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
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.
NRA.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 offers some of the cheapest liability car insurance in the state, particularly for low-mileage drivers. If you have pay-per-mile insurance from Mile Auto, you pay a base rate plus a per-mile rate. At the end of each month, you need to send a picture of your odometer to Mile Auto.
Pros
Infrequent drivers can save money with pay-per-mile insurance
No tracking device required
Cons
Limited auto coverage options
Only sells auto insurance products
Best insurer for the military community: USAA
| User Reviews | 4.9 |
|---|---|
| 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. | 9.4 /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. | $45/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. | $99/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
863NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.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
USAA offers a variety of insurance policies, banking, and investing products for U.S. military members, veterans, and their families. The company provides affordable coverage options and a number of discounts. USAA customers can earn usage-based discounts if they drive infrequently or practice safe driving habits.
Pros
Highly rated mobile app
Safe drivers can save with USAA SafePilot program
Cons
Only available to military members, veterans, and their families
No coverage for motorcycles, ATVs, RVs, boats, or personal watercraft
Best insurer for teen drivers: State Farm
| User Reviews | 4.2 |
|---|---|
| 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. | 9.3 /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. | $54/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. | $119/mo |
4.2
Best choiceBased on 9036 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
839NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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
State Farm offers a range of policy options and discounts to make insurance affordable for teen drivers and their families. The company’s Steer Clear program, an educational app-based course for drivers younger than 25, helps drivers earn discounts on car insurance premiums. State Farm also offers discounts of up to 25% for high-performing students.
Pros
Advertises 10 available discounts
A++ (Superior) financial strength rating from AM Best
Cons
Higher rates than some competitors
Doesn’t offer gap insurance
How to get the cheapest car insurance in Oregon
Insurance companies take into account several factors when setting car insurance rates, including your driving history, ZIP code, marital status, age, credit, and even the type of car you drive.
Here are a few tips to help you find cheap car insurance in Oregon:
Maintain a clean driving record. Traffic violations and accidents can cause your premiums to increase significantly. Drivers with clean records tend to pay the lowest average rates.
Ask about discounts. Insurance companies may offer discounts for installing anti-theft devices, taking a defensive driver course, or bundling your home and auto insurance. Insurers also commonly offer discounts for safe drivers and good students.
Shop around. Don’t settle for the first quote you get. Comparison shop to find coverage that fits your budget.[2]
Find Cheap Car Insurance in Oregon
Liability coverage starts at $60 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Oregon: Mile Auto
Liability insurance pays for damages or injuries you cause others in an accident, but it doesn’t cover damage to your own car.[3] Liability-only car insurance at the state-mandated minimum is typically the cheapest option available.
The table below shows the companies offering the cheapest liability-only car insurance in Oregon.
10 cheapest insurers for liability-only
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.
Cheapest full-coverage car insurance in Oregon: Mile Auto
Full-coverage car insurance provides liability coverage plus comprehensive and collision coverages, which cover damage to your vehicle from accidents and incidents like theft, vandalism, or falling tree branches. You may need full coverage if you finance or lease your car, drive an expensive vehicle, or just want more vehicle protection.
The following table shows the insurance companies offering the cheapest full-coverage car insurance in Oregon.
10 cheapest insurers for full coverage
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.
Cheapest recent rates in Oregon
Drivers using Insurify have found quotes as cheap as $43/mo for liability only and $43/mo for full coverage in Oregon.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 20, 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 November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 20, 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 November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Oregon
Like most other states, Oregon requires drivers to carry a minimum amount of insurance to legally operate a vehicle in the state. In addition to liability coverage, Oregon drivers also need minimum amounts of personal injury protection (PIP) and uninsured motorist coverage.
Here are the specific minimum limits Oregon drivers need to meet:[4]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $20,000 per accident |
| Personal injury protection (PIP) | $15,000 per person |
| Uninsured motorist coverage | $25,000 per person / $50,000 per accident |
While your policy has to at least meet the legal minimums, you might choose to carry higher limits, full-coverage car insurance, or the following coverage options to feel more secure on the road:
Collision coverage
If you have a collision with another vehicle or object, collision coverage can kick in to pay for repair or replacement costs.
Comprehensive coverage
Comprehensive coverage can pay for vehicle damage from non-collision incidents, like severe weather, theft, and vandalism.
Gap insurance
If you owe more on your car loan than the vehicle is currently worth, gap insurance covers the difference between the two amounts in the event of a total loss.
Rental reimbursement
Rental reimbursement provides a rental car or reimburses you for transportation costs while your vehicle is in the shop after a covered claim.
Roadside assistance
Roadside assistance offers services like towing, flat tire replacement, and jump-starts if your car breaks down on the road.
Cheapest car insurance for drivers with an incident
In car insurance lingo, “incidents” refer to events involving your vehicle that could increase your risk profile when insurance companies consider your driving record. Incidents include at-fault accidents, speeding tickets, driving under the influence (DUI), and other moving violations.[5]
Insurers view past incidents as predictors of future behavior, so they typically increase rates for drivers with one or more incidents on their records. On average, Oregon drivers with a past incident pay $172 per month.
Shop for Car Insurance in Oregon
Monthly rates start at $74 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: Mile Auto
When you get a speeding ticket, you’ll have to face the cost of the ticket and higher car insurance premiums. Auto insurers view drivers with speeding tickets as more likely to have future accidents and file claims, and this increased risk leads to higher premiums.
The overall average cost of car insurance for Oregon drivers with a speeding ticket is $195 per month. Find cheap average quotes from top Oregon insurers below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Mile Auto | $60 | $80 |
| National General | $93 | $124 |
| Safeco | $95 | $128 |
| Root | $98 | $140 |
| Foremost | $106 | $151 |
| Direct Auto | $119 | $158 |
| Dairyland | $120 | $159 |
| Liberty Mutual | $126 | $180 |
| Bristol West | $129 | $173 |
| The General | $150 | $203 |
| GAINSCO | $157 | $224 |
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
When you have an at-fault car accident, you may file an expensive claim with your auto insurer. Insurance companies increase your insurance rates to offset these costs. You may also lose any safe-driving discounts on your policy.
Drivers in Oregon with an at-fault accident pay $196 per month for car insurance, on average. Here’s a look at the insurance companies in Oregon offering the most competitive quotes for drivers with an at-fault accident on their record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Mile Auto | $60 | $84 |
| National General | $93 | $128 |
| Safeco | $95 | $129 |
| Root | $98 | $144 |
| Foremost | $106 | $155 |
| Direct Auto | $119 | $167 |
| Dairyland | $120 | $163 |
| Liberty Mutual | $126 | $184 |
| Bristol West | $129 | $177 |
| The General | $150 | $210 |
| GAINSCO | $157 | $207 |
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
A DUI is one of the most serious offenses a driver can commit. Because driving under the influence of drugs or alcohol significantly increases the likelihood of an accident, auto insurers view people with a past DUI as high-risk drivers.
The average cost of car insurance for Oregon drivers with a DUI is $223 per month. Here’s a look at some of the insurance companies offering competitive quotes for drivers with a DUI.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Mile Auto | $60 | $100 |
| National General | $93 | $155 |
| Safeco | $95 | $146 |
| Root | $98 | $146 |
| Foremost | $106 | $176 |
| Direct Auto | $119 | $198 |
| Dairyland | $120 | $199 |
| Liberty Mutual | $126 | $209 |
| Bristol West | $129 | $214 |
| The General | $150 | $249 |
| GAINSCO | $157 | $261 |
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
Your age can affect how much you pay for car insurance. Drivers in their mid-30s start to enjoy lower insurance rates due to growing driving experience and a lower propensity for risky behavior. This trend of decreasing rates typically continues for drivers throughout their 40s, 50s, and 60s.
However, drivers 70 and older often see insurance rates increase again as age-related changes in vision, slower reaction times, and various health conditions associated with aging put them at greater risk of having an accident.
Senior drivers in Oregon pay an average of $99 per month for car insurance. Here are some of the most affordable insurance companies for senior drivers in Oregon.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Mile Auto | $43 | $53 |
| National General | $67 | $122 |
| Safeco | $77 | $117 |
| Root | $78 | $117 |
| Direct Auto | $88 | $162 |
| Dairyland | $91 | $217 |
| Bristol West | $98 | $191 |
| Liberty Mutual | $101 | $153 |
| The General | $115 | $218 |
| GAINSCO | $125 | $259 |
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 pay some of the highest rates for car insurance due to their inexperience behind the wheel and tendency toward risky driving behaviors. Fortunately, you can qualify for lower rates in different ways, including joining your parents’ existing policy, driving a safe and reliable vehicle, maintaining good grades, and completing a defensive driving course.
The overall average cost of car insurance for teen drivers in Oregon is $260. In the table below, you can find budget-friendly options for teen drivers in Oregon.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Mile Auto | $124 | $153 |
| Root | $159 | $238 |
| National General | $195 | $353 |
| Safeco | $195 | $296 |
| Dairyland | $209 | $499 |
| Liberty Mutual | $232 | $354 |
| Direct Auto | $233 | $431 |
| Bristol West | $234 | $455 |
| The General | $257 | $485 |
| GAINSCO | $291 | $603 |
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.
Find Car Insurance in Oregon
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Based on 3,806+ reviews
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Oregon car insurance quotes by credit tier
The state of Oregon allows insurance companies to use credit-based insurance scores to evaluate the risk of insuring a driver and determine rates, but only for new customers. Insurance companies operating in Oregon can’t cancel or choose not to renew a customer’s policy due to their credit.[6]
Insurance companies use credit history to predict how likely you are to file a claim. Drivers with good or excellent credit tend to pay the lowest rates, while people with poor credit pay higher rates.
Below is a table showing the average monthly full-coverage premiums in Oregon for drivers by credit tier.
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.
Oregon car insurance FAQs
Before you start shopping around for car insurance, you should determine how much auto coverage you need. The information below should help you navigate the process of buying cheap coverage in Oregon.
How much is car insurance in Oregon?
Oregon drivers pay an overall average of $1,596 per year for car insurance. Each year, drivers in the state pay $1,196 for liability coverage and $1,996 for full-coverage insurance.
The overall monthly average cost of car insurance in Oregon is $133. Oregon drivers pay $100 per month for liability coverage and $166 for full-coverage insurance, on average.
Who has the cheapest car insurance in Oregon?
Mile Auto has the cheapest car insurance in Oregon, with a liability rate of $60 per month. National General and Safeco also offer affordable monthly rates, at $93 and $95, respectively. The best way to find the cheapest car insurance rates for your needs is to compare quotes from multiple insurers.
What are the best car insurance companies in Oregon?
With an Insurify Quality (IQ) Score of 9.3 out of 5, an A++ (Superior) financial strength rating from AM Best, and customizable coverage options, State Farm is the best car insurance company in Oregon. State Farm policyholders in Oregon pay an average of $49 per month for liability coverage and $64 for full coverage. Other top insurers in the state include Mile Auto, USAA, and GEICO.
What is the cheapest insurance for new drivers in Oregon?
If you’re a new driver, the cheapest insurer for you will depend on your driving record, chosen coverage, vehicle type, credit history, and more. But some companies have savings opportunities for new drivers, especially teens. For example, State Farm offers discounts for drivers younger than 25, teenagers, and students.
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
- 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.
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More cities in Oregon
Sources
- United States Census Bureau. "QuickFacts Oregon."
- Insurance Information Institute. "How to save money on car insurance."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Oregon Driver & Motor Vehicle Services. "Minimum Insurance Requirements."
- Insurance Information Institure. "What determines the price of an auto insurance policy?."
- OregonLaws. "ORS 746.661 Use of credit history or insurance score."
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Janet Berry-Johnson
Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
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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Licensed insurance agent for 25+ years
15 years as VP of Sales and Operations at Answer Financial
Licensed in more than 40 states, Shawn leverages his deep industry expertise to support the accuracy and trustworthiness of Insurify’s content.
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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