Cheapest Auto Insurance in Oregon (2026)

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 $115 per month, Oregon residents pay less than the national average of $136 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.

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.	Average Quote: Full Coverage	Average Quote: Liability Only	Best For
Mile Auto	8.8	$88	$73	Low-mileage drivers
USAA	9.1	$99	$46	Military members and their families
State Farm	9.3	$109	$52	Teen drivers

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 Insurify rates insurance companies

  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 55,000 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

low-mileage drivers

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User Reviews	4.5 65 reviews
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.	8.8 /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.	$73/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.	$88/mo

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Driver Reviews

4.5

Best choice in OregonBased on 189 verified driver reviews and ratings

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify

Best in Oregon for

Low-mileage drivers

Senior drivers

Cheap full coverage

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify

Best in Oregon for

Low-mileage drivers

Senior drivers

Cheap full coverage

Showing recent national reviews - See all 65 Mile Auto reviews

Leroy

Verified Review

Why was I canceled?

Reviewed in Texas on February 9, 2026

1/14/26: Liked what I saw and purchased Auto Insurance. 1/29/26: Received an email requesting a "Physician's opinion statement." I did not see this requirement in the many pages of fine print. Was given 30 days to submit. 1/31/26: Via email, I requested information on how to cancel my policy and stated that I do not release medical data to anyone. I did not request the policy be canceled. 2/01/26: Relented. 2/03/26: Hand-delivered request to primary care doctor and made an appointment for an Ophthalmologist for 02/10/26. 2/07/26: Received a USPS letter from MileAuto stating the policy would be canceled effective 3/01/26. The reason given was that "Policy no longer meets underwriting requirements." I have no idea what requirements this refers to.

Ronald

Verified Purchase

Monthly Insurance for the Price of Takeout

Reviewed in Ohio on January 11, 2026

I don't drive much, so it makes sense to me. I feel like I would like to have more coverage than just liability. I know they offer more coverage.

Hiram

Verified Purchase

Try Them, Then You Will See

Reviewed in Tennessee on December 22, 2025

You won't know until you try them. They are good.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

2.18

A.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).

NR

Why 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

military community

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User Reviews	4.9 1,486 reviews
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.	9.1 /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.	$84/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.	$109/mo

Show Details

Driver Reviews

4.9

Best choice in OregonBased on 3,159 verified driver reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best in Oregon for

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best in Oregon for

Members of the military community

Outstanding customer service

Competitive rates

Showing 11 reviews from Oregon drivers - See all 1,486 USAA reviews

Betsy

Verified Review

Positive!

Reviewed in Oregon on March 4, 2026

I sent a friend to them who had trouble with other companies. She was very grateful when they insured her right away! They've been awesome in the past with claims, responding immediately and without a lot of questions.

Tracy

Verified Review

Excellent!

Reviewed in Oregon on January 4, 2026

USAA has been great! The process was lengthy on my complex claim, but overall splendid!

Timothy

Verified Review

Poor company, unhelpful

Reviewed in Oregon on October 8, 2025

Find someone else. They charge more for nothing and will raise your rates for anything, even if it’s not your fault.

Richard

Verified Review

Great insurance company but strict standards

Reviewed in Oregon on September 21, 2025

Excellent. They are an outstanding insurance company. It is my financial difficulties that caused the problems with USAA and their major increase in premiums. Otherwise, I would not even be looking for alternate coverage.

Marlon

Verified Review

Don't let them hook you

Reviewed in Oregon on June 15, 2025

Don't renew with USAA the first year. Go to another company for the first 6 months after your USAA policy expires. Then, when that one expires, check back with USAA for the following 6-month period. USAA will give a better rate when you come back than they would have if you had stayed with them all along.

Timothy

Verified Review

The Old Bait and Switch

Reviewed in Oregon on June 10, 2025

There's no flexibility, and if you miss your first payment by a day, they will cancel your policy. Then, they make you get a new quote and double the price for half the coverage. It's unbelievable that they treat veterans and their families like that.

Richard

Verified Review

Best insurance out there but getting a little pricier

Reviewed in Oregon on May 11, 2025

Simply outstanding. The best auto insurance on the planet. But their prices have been going up.

George

Verified Review

High Rates for Veterans

Reviewed in Oregon on May 9, 2025

I am a decorated Air Force veteran with no tickets or accidents in over 50 years, and I was charged $1400 for six months for full coverage. This seems very high for someone with my record.

Karla

Verified Review

You have always been there for me

Reviewed in Oregon on May 5, 2025

I found USAA to be the best. I have been with USAA for over 40 years and plan to stay. It has

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

743

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.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

teen drivers

Compare Quotes

User Reviews	4.0 7,205 reviews
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.	$71/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.	$92/mo

Show Details

Driver Reviews

4.0

Best choice in OregonBased on 15,961 verified driver reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Oregon for

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Oregon for

Customer service

Competitive rates

Discounts for safe drivers

Showing 35 reviews from Oregon drivers - See all 7,205 State Farm reviews

Lee

Verified Review

Excellent

Reviewed in Oregon on March 10, 2026

A little higher than some, but I’ve never had to use it, which is a blessing.

Trudi

Verified Review

Best Coverage for the Best Cost

Reviewed in Oregon on March 8, 2026

My agent is easy to get in contact with and has always been helpful with whatever questions or concerns I have had.

Beverly

Verified Review

Very rough for a widow of almost 86.

Reviewed in Oregon on February 9, 2026

Claims are fast, and the local agent Aaron is very helpful. However, the prices are way too high for a widow on social security only, which is why I have to look for cheaper insurance. How can I afford $928.00 for 6 months? I can't, but I'm sorry when I only make $1,728.00 a month.

Nadine

Verified Review

Quick and easy although until I verify a few things

Reviewed in Oregon on February 8, 2026

I always refer friends to State Farm; they've always had my back.

Deborah

Verified Review

Frustrated with Policy Cancellation

Reviewed in Oregon on January 27, 2026

They are canceling my policy, so I'd give them a zero! I've had a great record for 50 years. No tickets, no accidents, always paid on time, good credit score, CDL for 30 years. I had an accident where I was an innocent bystander. It totaled my car of 18 years. It hurt! Then I got a different car, and it got keyed. So I turned it in. Had no idea it was strike three, you're out. I'm hurt, I'm angry. I paid $93 a month for full coverage, including renters. Now I'm looking at $400 a month or just liability. No renters! I won't ever refer anyone to them. I've taken two sons and my granddaughter. I hope they go elsewhere. Everyone says State Farm is notorious for this.

Bruce

Verified Review

I am paying too much for the miles I drive.

Reviewed in Oregon on January 18, 2026

The insurance is great; no other company can beat it. I just think I'm paying too much for the miles I drive per year. I only drive under 5,000 miles a year, and I am paying for 15,000 miles or more for a year.

Cathie

Verified Review

Excellent

Reviewed in Oregon on January 8, 2026

Could use lower cost.

Judy

Verified Review

Good

Reviewed in Oregon on January 3, 2026

Average insurance, higher price, and no first accident forgiveness.

Judy

Verified Review

Good

Reviewed in Oregon on January 3, 2026

Expensive and no accident forgiveness (I have had no accidents).

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

656

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.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]

Low-cost car insurance in Oregon

Oregon doesn’t have a low-income car insurance program. If you’re a driver looking for low-cost car insurance in Oregon, you should make sure you’re comparing car insurance quotes every time your policy renews. This allows you to get a good idea of how much you’re paying and whether you might save more money by switching to another car insurance company. Insurers are constantly changing how they calculate risk, and the company that previously had the best deal for you may no longer be the cheapest option.

Find Cheap Car Insurance in Oregon

Liability coverage starts at $71 per month

Enter your ZIP codeView My Quotes

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4.7 out of 5 based on 12,593 reviews

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Cheapest liability-only car insurance quotes in Oregon: State Farm

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.

Cheapest full-coverage car insurance quotes 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.

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 companies in OR 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 $141 per month.

Shop for Car Insurance in Oregon

Monthly rates start at $88 for drivers with an incident

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4.7 out of 5 based on 12,593 reviews

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Cheapest car insurance quotes 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 $157 per month. Find cheap average quotes from top Oregon insurers below.

The below rates in Oregon are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	Avg. Quote With Clean Driving Record	Avg. Quote With Speeding Ticket
State Farm	$71	$94
Mile Auto	$73	$93
Sun Coast	$77	$105
USAA	$84	$113
National General	$88	$114
GEICO	$90	$123
Progressive	$92	$126
Bristol West	$98	$129
Safeco	$101	$139
The General	$104	$145
Dairyland	$105	$137
COUNTRY Financial	$106	$151
Direct Auto	$119	$155
Root	$121	$168
American Family	$121	$164
Nationwide	$126	$171
Allstate	$139	$189
Farmers	$165	$221
Liberty Mutual	$168	$223
GAINSCO	$171	$213
Travelers	$203	$275

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 quotes for drivers with an at-fault accident: State Farm

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 $158 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 in Oregon are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	Avg. Quote With Clean Driving Record	Avg. Quote With Accident
State Farm	$71	$96
Mile Auto	$73	$100
Sun Coast	$77	$106
USAA	$84	$115
National General	$88	$119
GEICO	$90	$119
Progressive	$92	$126
Bristol West	$98	$131
Safeco	$101	$144
The General	$104	$146
Dairyland	$105	$142
COUNTRY Financial	$106	$148
Direct Auto	$119	$165
Root	$121	$165
American Family	$121	$165
Nationwide	$126	$173
Allstate	$139	$190
Farmers	$165	$224
Liberty Mutual	$168	$228
GAINSCO	$171	$223
Travelers	$203	$278

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 quotes for drivers with a DUI: Sun Coast

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 $141 per month. Here’s a look at some of the insurance companies offering competitive quotes for drivers with a DUI.

The below rates in Oregon are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	Avg. Quote With Clean Driving Record	Avg. Quote With DUI
State Farm	$71	$96
Mile Auto	$73	$99
Sun Coast	$77	$94
USAA	$84	$114
National General	$88	$119
GEICO	$90	$120
Progressive	$92	$113
Bristol West	$98	$133
Safeco	$101	$146
The General	$104	$141
Dairyland	$105	$142
COUNTRY Financial	$106	$138
Direct Auto	$119	$161
Root	$121	$164
American Family	$121	$164
Nationwide	$126	$171
Allstate	$139	$188
Farmers	$165	$224
Liberty Mutual	$168	$228
GAINSCO	$171	$232
Travelers	$203	$275

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 quotes for seniors: State Farm

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 $97 per month for car insurance. Here are some of the most affordable insurance companies for senior drivers in Oregon.

The below rates in Oregon are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	Average Quote: Liability Only	Average Quote: Full Coverage
State Farm	$55	$71
Mile Auto	$57	$68
Sun Coast	$65	$157
USAA	$67	$87
National General	$68	$124
GEICO	$71	$92
Bristol West	$81	$149
COUNTRY Financial	$83	$109
The General	$87	$151
Safeco	$87	$123
Dairyland	$88	$192
Nationwide	$95	$123
Direct Auto	$95	$148
American Family	$96	$124
Root	$100	$145
Allstate	$111	$144
Farmers	$129	$168
Liberty Mutual	$139	$171
GAINSCO	$144	$263
Travelers	$160	$207

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 quotes for teens: State Farm

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 $230. In the table below, you can find budget-friendly options for teen drivers in Oregon.

The below rates in Oregon are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	Average Quote: Liability Only	Average Quote: Full Coverage
State Farm	$144	$187
Sun Coast	$154	$372
Mile Auto	$157	$189
USAA	$163	$212
GEICO	$169	$220
COUNTRY Financial	$180	$234
Bristol West	$184	$340
National General	$186	$339
Dairyland	$190	$416
The General	$192	$336
Safeco	$213	$300
Root	$220	$320
Direct Auto	$240	$375
American Family	$240	$312
Nationwide	$258	$334
Allstate	$288	$373
Liberty Mutual	$312	$384
GAINSCO	$328	$600
Farmers	$344	$446
Travelers	$441	$571

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.

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.

Oregon car insurance FAQs