Cheapest Car Insurance in Oregon (2025)
State Farm has the best cheap car insurance in Oregon, at $104 per month for full coverage.
Find Cheap Auto Insurance Quotes in Oregon
Best cheap auto insurance in Oregon
How we chose the top companies
Best and cheapest car insurance in Oregon
- Cheapest full coverage: State Farm, $109/mo
- Cheapest minimum liability: State Farm, $57/mo
- Cheapest for young drivers: Country Financial, $134/mo
- Cheapest after a ticket: State Farm, $116/mo
- Cheapest after an accident: State Farm, $109/mo
- Cheapest for teens after a ticket: State Farm, $64/mo Country Financial, $177/mo
- Cheapest after a DUI: Progressive, $170/mo
- Cheapest for poor credit: Country Financial, $233/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm offers the best mix of cheap rates and great customer service in Oregon. American Family and Country Financial are also good choices. They have reliable customer service, but are typically more expensive than State Farm.
Cheapest auto insurance in Oregon: State Farm
State Farm has the cheapest full coverage car insurance in Oregon.
Full coverage from State Farm costs $109 per month, which is $76 per month less than the Oregon average.
Find Cheap Auto Insurance Quotes in Oregon
The average cost of car insurance in Oregon is $185 per month for a full coverage policy. That's $10 per month more than the U.S. average. This is in part because Oregon has higher car theft rates than many other states .
Best cheap full coverage car insurance in Oregon
Company | Monthly rate | |
|---|---|---|
| State Farm | $109 |
| Country Financial | $146 |
| Progressive | $148 |
| American Family | $161 |
| Travelers | $184 |
*USAA is only available to current and former military members and their families.
Cheap car insurance in Oregon for liability-only: State Farm
State Farm has the cheapest liability-only auto insurance in Oregon, at $57 per month.
That's $38 per month less than the Oregon state average, which is $95 per month.
Cheapest Oregon minimum car insurance quotes
Company | Monthly rate |
|---|---|
| State Farm | $57 |
| Progressive | $65 |
| Country Financial | $74 |
| American Family | $83 |
| Travelers | $92 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Oregon
Cheap Oregon auto insurance for young drivers: Country Financial
Country Financial has the cheapest car insurance in Oregon for teen drivers.
A minimum coverage policy from Country Financial costs $134 per month for an 18-year-old driver. That's less than half the average rate for young drivers in Oregon, which is $294 per month.
Country Financial also has the cheapest full coverage rates for Oregon teens. At $275 per month, full coverage from Country Financial is half the Oregon average.
Cheapest auto insurance in Oregon for teens
Company | Liability only | Full coverage |
|---|---|---|
| Country Financial | $134 | $275 |
| State Farm | $165 | $318 |
| Geico | $234 | $503 |
| Travelers | $243 | $502 |
| Progressive | $282 | $733 |
*USAA is only available to current and former military members and their families.
In Oregon, 18-year-old drivers pay three times more for car insurance than 30-year-olds. Young drivers usually pay more for insurance than adults because they're more likely to cause an accident.
If you've already compared car insurance from multiple companies and still need to get your rate down, there are a few things you can try.
Consider sharing a policy with your parents. A combined insurance policy will increase your parents' rates, but it can save you around 62% versus buying separate policies.
Research discounts. Most insurance companies have discounts geared toward young drivers.
For example, State Farm's Steer Clear program offers a discount for young drivers who complete online courses and practice driving with a mentor.
Cheap Oregon car insurance after a ticket: State Farm
State Farm has the most affordable car insurance rates in Oregon for drivers with a speeding ticket. Full coverage from State Farm costs around $116 per month. That's half the state average, and $71 per month less than the second-cheapest option, Progressive.
Low-cost car insurance in Oregon for drivers with a ticket
Company | Monthly rate |
|---|---|
| State Farm | $116 |
| Progressive | $187 |
| Country Financial | $190 |
| American Family | $191 |
| Travelers | $237 |
*USAA is only available to current and former military members and their families.
In Oregon, a single speeding ticket increases insurance rates by around 27%. That's an average increase of $49 per month for a full coverage policy.
Cheapest car insurance in OR after an accident: State Farm
State Farm has the best full coverage quotes after an accident, averaging $109 per month. That's $172 per month less than the Oregon state average.
Best auto insurance companies in Oregon after an accident
Company | Monthly rate |
|---|---|
| State Farm | $109 |
| Progressive | $209 |
| Country Financial | $210 |
| Travelers | $266 |
| American Family | $273 |
*USAA is only available to current and former military members and their families.
Average quotes for a full coverage policy increase by about $96 a month after an at-fault accident in Oregon.
Don't worry about switching car insurance companies right after your accident. Your rates won't go up until your current policy renews. However, any quotes you get will consider your accident, so they'll probably be higher than what you currently pay.
Instead, wait until your insurance company sends your renewal offer, which is usually a few weeks to a month before your policy expires. Then, you should shop around for quotes from multiple companies to find the best rate for you.
Cheapest OR insurance for teens with a ticket or accident: Country Financial and State Farm
Country Financial has the best rates for young Oregon drivers with a speeding ticket. Minimum coverage auto insurance from Country Financial costs $177 per month for an 18-year-old with one ticket. That's less than half the state average.
State Farm has the most affordable rates for teens in Oregon with an accident on their record. Minimum liability from State Farm costs $165 per month, which is $235 per month less than average.
Cheap quotes for Oregon teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Country Financial | $177 | $199 |
| State Farm | $179 | $165 |
| Progressive | $276 | $281 |
| Travelers | $300 | $351 |
| Geico | $304 | $400 |
*USAA is only available to current and former military members and their families.
An 18-year-old driver with a speeding ticket pays 22% more for car insurance than a young driver with a clean record in Oregon. Teen rates go up by 36% in Oregon after an at-fault accident.
Cheap car insurance in Oregon after a DUI: Progressive
Progressive offers the cheapest quotes for Oregon drivers with a DUI. At $170 per month, full coverage from Progressive costs $155 per month less than the Oregon average after a DUI.
Best Oregon car insurance quotes after a DUI
Company | Monthly rate |
|---|---|
| Progressive | $170 |
| State Farm | $224 |
| Travelers | $279 |
| American Family | $298 |
| Allstate | $367 |
*USAA is only available to current and former military members and their families.
Oregon drivers with a DUI pay an average of 78% more for a full coverage policy than drivers with a clean record.
In addition, drivers may have to get SR-22 insurance in Oregon after a DUI. Insurance companies typically charge between $15 and $50 to file an SR-22 form on your behalf. That's on top of any increase to your car insurance rates.
Cheapest Oregon auto insurance for drivers with poor credit: Country Financial
Country Financial offers the best rates for Oregon drivers with a low credit score or no credit history. A full coverage policy from Country Financial costs $233 per month, which is $117 per month cheaper than the state average.
Best car insurance in Oregon for poor credit
Company | Monthly rate |
|---|---|
| Country Financial | $233 |
| Progressive | $252 |
| American Family | $281 |
| Travelers | $334 |
| Geico | $353 |
*USAA is only available to current and former military members and their families.
Oregon drivers with a bad credit score pay 91% more for car insurance than those with good credit. That's because insurance companies believe that drivers with bad credit are more likely to file claims.
Best auto insurance in Oregon
USAA has the best car insurance in Oregon because it offers great customer service and affordable quotes.
However, USAA car insurance is only available to current and former military members and their families.
State Farm is the best option for drivers who can't get USAA. It has reliable customer service and some of the lowest rates in Oregon.
Top car insurance companies in Oregon
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 739 | A++ | |
| State Farm | 657 | A++ | |
| Geico | 637 | A++ | |
| Travelers | 616 | A++ | |
| American Family | 660 | A |
Average car insurance cost in Oregon by city
Crane, a very small town northeast of Malheur Lake, has the cheapest car insurance in Oregon.
Drivers in Crane pay an average of $160 per month for full coverage insurance.
Maywood Park, a Portland suburb, has the most expensive average rate in the state, at $261 per month. That's because Multnomah County, where Maywood Park is located, has more car thefts than other parts of Oregon.
Average car insurance quotes in Oregon by city
City | Monthly rate | % from average |
|---|---|---|
| Adams | $175 | -6% |
| Adel | $169 | -9% |
| Adrian | $172 | -7% |
| Agness | $172 | -7% |
| Albany | $171 | -8% |
Oregon auto insurance minimum requirements
Drivers in Oregon must have a minimum amount of liability insurance to drive legally, which is sometimes written as 25/50/20.
Oregon also requires matching uninsured motorist bodily injury limits, as well as personal injury protection (PIP). Oregon is unique in that it isn’t a no-fault state, but it requires personal injury protection insurance.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $20,000
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
- Personal injury protection (PIP): $15,000
What's the best car insurance coverage in Oregon?
Most drivers in Oregon should consider a full coverage policy, along with higher liability limits than the state requires.
Full coverage car insurance includes liability coverage as well as comprehensive and collision coverages. Both of these coverage types are typically required with a car loan or lease.
- Collision coverage pays for damage to your own car when you're in an accident, even if it's your fault.
- Comprehensive coverage pays for damage caused by events beyond your control, like hail or theft.
Higher liability limits give you more protection if you cause an accident so that you don't have to pay out of your own pocket for the repairs and injuries you cause.
For example, if you crash into and total a brand new car, $20,000 of property damage liability coverage probably won't be enough to fully replace it. If you only have minimum liability insurance, you'll have to pay the remainder out of pocket.
Frequently asked questions
Who has the cheapest car insurance rates in Oregon?
State Farm offers the cheapest rate for full coverage insurance in Oregon, at $109 per month. That's about 41% cheaper than the state average.
How much is the average car insurance per month in Oregon?
Car insurance in Oregon costs $185 per month for a full coverage policy and $95 per month for minimum liability coverage, on average.
How much is car insurance in Salem, Oregon?
The average cost of car insurance in Salem is $204 per month for a full coverage policy. That's 10% more expensive than the Oregon state average. In comparison, auto insurance in Eugene costs $175 per month, on average.
Methodology
To find the best cheap insurance in Oregon, ValuePenguin collected thousands of rates from ZIP codes across Oregon for the state's largest insurance companies. Rates are for a 30-year-old man with good credit who owns a 2015 Honda Civic EX.
Full coverage quotes include the following limits:
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Personal injury protection (PIP): $15,000
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.