Cheap Car Insurance for Low-Income Drivers in Oregon

What is low-income car insurance in Oregon?

Low-income car insurance in Oregon isn’t a specific policy type. Instead, it typically refers to choosing affordable coverage, such as state-minimum insurance. Choosing minimum coverage and qualifying for discounts are two common ways to keep auto insurance costs down in Oregon.

Opting for minimum coverage in Oregon can help keep your monthly premiums manageable, but it provides less financial protection if you’re in a car accident. On the other hand, full coverage, which includes liability coverage as well as comprehensive and collision coverage, is generally more expensive and offers more financial protection.

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Cheapest car insurance in Oregon

The cheapest car insurance company in Oregon for liability coverage is State Farm, with an average rate of $55 per month. The average cost of liability insurance in Oregon is $91 per month, which is slightly lower than the national average of $99 per month.

Several factors may contribute to Oregon’s below-average car insurance costs, including lower population density and less severe weather than other states. Car insurance rates are higher in large cities, like Portland and Gresham, and lower in smaller cities, like Grants Pass and Medford.

The table below highlights the cheapest car insurance companies in Oregon for liability-only policies.

The below rates in Oregon are estimated rates current as of: Wednesday, October 21 at 7:44 AM PDT. 

Insurance Company	Average Quote: Liability Only
State Farm	$55
USAA	$66
Mile Auto	$67
Sun Coast	$67
Progressive	$72
GEICO	$73
National General	$75
Country Financial	$82
The General	$82
Bristol West	$85
Safeco	$88
Allstate	$92
American Family	$93
Dairyland	$95
Root	$97
Direct Auto	$102
GAINSCO	$112
Farmers	$128
Liberty Mutual	$133
Travelers	$157

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.

Cheapest car insurance for drivers with poor credit in Oregon

Oregon is among the states that allow car insurance companies to consider your credit history when making policy decisions, but the state limits how insurers use the information. In Oregon, insurers can use your credit as a factor when determining your initial eligibility for a policy, but they can’t cancel or refuse to renew an existing policy solely based on your credit.

Having poor credit can affect car insurance rates because insurers often view drivers with lower credit as a higher risk of filing claims than drivers with good credit.^[1]

In the table below, check out liability-only quotes for Oregon drivers with different credit histories.

The below rates in Oregon are estimated rates current as of: Wednesday, October 21 at 7:44 AM PDT. 

Insurance Company	Average Liability Quote: Poor Credit	Average Liability Quote: Good Credit
State Farm	$80	$53
USAA	$82	$64
Mile Auto	$83	$64
Sun Coast	$84	$64
GEICO	$86	$71
Progressive	$90	$69
National General	$93	$72
Country Financial	$100	$78
The General	$101	$78
Bristol West	$105	$82
Safeco	$109	$84
American Family	$113	$90
Allstate	$115	$88
Dairyland	$117	$91
Root	$120	$93
Direct Auto	$126	$98
GAINSCO	$138	$107
Farmers	$151	$125
Liberty Mutual	$159	$129
Travelers	$186	$150

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.

Car insurance options for low-income drivers in Oregon

While Oregon doesn’t have a statewide program for low-income drivers, options are available to help Oregon drivers find affordable car insurance:

• Buy state-minimum insurance. Purchasing minimum coverage in Oregon can help keep your monthly insurance costs affordable, but it means less financial protection on the road.

• Ask about discounts. Qualifying for discounts is one of the best ways to save on your auto policy. Discounts vary by insurer and may include a multi-policy discount, good driver discount, and good student discount.

• Consider non-standard insurers. Low-income and high-risk drivers (such as people with a speeding ticket or driving under the influence conviction) may want to consider non-standard insurance companies to find cheap coverage. For example, pay-per-mile insurers can be a good option for drivers with low mileage.

Minimum car insurance requirements in Oregon

Oregon car insurance requirements include bodily injury liability, property damage liability, personal injury protection (PIP), and uninsured motorist coverage.

Here’s a breakdown of each required car insurance coverage type in Oregon:

• Liability coverage: In Oregon, you must carry bodily injury and property damage liability coverage, which helps pay for injuries and damages you cause to others in an accident.

• PIP: Oregon requires personal injury protection, which helps cover expenses like lost wages and medical bills, regardless of fault.

• Uninsured motorist: Oregon drivers must have uninsured motorist coverage, which offers protection if you’re in a crash with an uninsured driver.

While choosing minimum coverage can help keep your monthly premiums low, it leaves you more financially exposed on the road. For example, if you’re in a serious at-fault accident, you may be responsible for property damages exceeding the $20,000 minimum requirement.^[2]

Coverage	Minimum Requirement	What It Covers
Bodily injury liability	$25,000 per person/$50,000 per accident	Injuries you cause to other people in an accident
Property damage liability	$20,000 per accident	Property damage you cause in an accident
PIP coverage	$15,000 per person	Lost wages, medical bills, and other expenses, regardless of fault
Uninsured motorist coverage	$25,000 per person/$50,000 per accident	Injuries if you’re hit by an uninsured driver

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What affects car insurance rates in Oregon?

Various factors affect car insurance rates in Oregon, including:

• Population density: Oregon’s lower population density may contribute to its slightly lower auto rates. Oregon has a population density of about 44 people per square mile, lower than the nationwide population density of about 94 people per square mile, according to the U.S. census.

• Credit-based insurance score: Oregon insurers can use credit as a factor when deciding whether to offer you an insurance policy. Drivers with poor credit may pay higher auto rates in Oregon than drivers with good credit.

• Traffic congestion: Particularly in the Portland metro area, traffic congestion can affect car insurance rates.

• Vehicle thefts: Though car thefts in Oregon declined 26% between 2024 and 2025, Oregon still has the 12th-highest theft rate nationwide.^[3]

Low-income car insurance in Oregon FAQs