The cheapest car insurance in Oregon costs $96 per month for a full coverage policy from Oregon Mutual. That’s a $44 savings from the average cost of insurance in the state, which is $140 a month.
“Drivers looking to get the cheapest insurance premiums in Oregon should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren McKenzie, senior insurance agent, A Plus Insurance.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in Oregon including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
- Oregon Mutual has the cheapest car insurance rates in Oregon for full coverage at $96 a month among the companies analyzed by the team of CarInsurance.com.
- In Oregon, drivers with clean driving records pay 36% less than drivers with a DUI.
- The city of Albany has the lowest auto insurance rates in Oregon, with an average premium of $1,468 per year.
- You can save up to 31% per year on your car insurance policy in Oregon by comparing price quotes from multiple insurers.
Car insurance companies with cheap car insurance in Oregon
Oregon Mutual has the cheapest full coverage car insurance in Oregon, at an average premium of $96 per month or around $1,147 per year, based on CarInsurance.com data.
A full coverage policy includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Oregon by different insurance carriers for a full coverage policy.
Cheapest car insurance rates in Oregon per month
| Company | Full Coverage Monthly Rates |
|---|---|
| Oregon Mutual | $96 |
| Travelers | $110 |
| Nationwide | $118 |
| State Farm | $125 |
| Country Financial | $127 |
| Geico | $140 |
| Progressive | $147 |
| Farmers | $184 |
| Allstate | $245 |
| USAA* | $106 |
Note: USAA is only available to military community members and their families.
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Oregon drivers who pay lower insurance premiums
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Married drivers pay 11% less than single drivers.
- Oregon drivers with clean records pay 36% less than drivers who have a DUI on their records.
- Oregon drivers in their 20s pay 66% lower rates for insurance than a 16-year-old in Oregon.
- Adding a teen to your policy will cost you 72% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 33% less on their insurance premiums.
- Drivers insured for three or more years can save up to 21% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 2% for this state more on their premiums.
Cheapest companies for different coverage levels in Oregon
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Oregon Mutual is the cheapest for a state minimum policy.
- Oregon Mutual has the cheapest rates for a liability-only policy (50/100/50).
- Oregon Mutual offers the cheapest car insurance for a full coverage policy (100/300/100) in Oregon.
The numbers above (100/300/100) represent coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property damage.
Cheapest companies for state minimum coverage in Oregon
In Oregon, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| Minimum Coverage | Minimum Limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $20,000 |
Read more about the minimum liability car insurance requirements by state
Below are the average annual rates from major insurance companies in Oregon, ranked from cheapest to the most expensive for the state minimum coverage.
| Company | State Minimum Annual Rates |
|---|---|
| Oregon Mutual | $445 |
| Country Financial | $481 |
| Geico | $513 |
| State Farm | $534 |
| Travelers | $534 |
| Progressive | $650 |
| Nationwide | $813 |
| Farmers | $976 |
| Allstate | $1,041 |
| USAA* | $439 |
Note: USAA is only available to military community members and their families.
Cheapest insurance providers for liability-only coverage in Oregon
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
In the table below, see the average annual rates from Oregon’s top insurers for liability insurance, ranked from cheapest to most expensive. Coverage limits are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability Only Annual Rates |
|---|---|
| Oregon Mutual | $497 |
| Country Financial | $532 |
| Travelers | $585 |
| State Farm | $616 |
| Geico | $624 |
| Progressive | $723 |
| Nationwide | $782 |
| Farmers | $1,121 |
| Allstate | $1,131 |
| USAA* | $495 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage car insurance in Oregon
Full coverage car insurance policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and natural disasters.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
The table below shows the average annual rates from major insurance providers in Oregon, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| Company | Full Coverage Annual Rates |
|---|---|
| Oregon Mutual | $1,147 |
| Travelers | $1,318 |
| Nationwide | $1,411 |
| State Farm | $1,502 |
| Country Financial | $1,527 |
| Geico | $1,683 |
| Progressive | $1,765 |
| Farmers | $2,210 |
| Allstate | $2,945 |
| USAA* | $1,277 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest car insurance in Oregon by driving history
In Oregon, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In Oregon, drivers with a history of such violations typically pay $688 more annually than drivers with clean records.
Cheap car insurance rates in Oregon after a speeding ticket
If you’ve got a speeding ticket on your Oregon driving record and need affordable car insurance, State Farm might be the answer. With an average annual rate of $1,350 , State Farm offers the cheapest full coverage auto insurance options for drivers with speeding tickets in Oregon.
| Company | Rates Before Speeding | After Speeding (1-29 mph over limit) | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,230 | $1,350 | 10% | $120 |
| Auto-Owners | $1,395 | $1,788 | 28% | $392 |
| Nationwide | $1,234 | $1,977 | 60% | $743 |
| Travelers | $1,402 | $2,114 | 51% | $712 |
| American Family | $1,663 | $2,167 | 30% | $504 |
| Progressive | $1,614 | $2,206 | 37% | $592 |
| Geico | $1,114 | $2,211 | 98% | $1,097 |
| Allstate | $1,955 | $2,320 | 19% | $365 |
| Kemper Insurance | $1,831 | $2,367 | 29% | $536 |
| Farmers | $1,946 | $2,518 | 29% | $572 |
| USAA* | $1,141 | $1,457 | 28% | $316 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates after a DUI conviction in Oregon
State Farm offers the cheapest car insurance to Oregon drivers with a DUI conviction at $1,350 per year and Progressive has the second-cheapest insurance premiums at $1,929 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 36% less than those with a history of DUI.
| Company | Rates Before DUI | Rates After a DUI | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,230 | $1,350 | 10% | $120 |
| Progressive | $1,614 | $1,929 | 19% | $315 |
| Auto-Owners | $1,395 | $2,035 | 46% | $640 |
| American Family | $1,663 | $2,167 | 30% | $504 |
| Travelers | $1,402 | $2,223 | 59% | $821 |
| Geico | $1,114 | $2,536 | 128% | $1,421 |
| Allstate | $1,955 | $2,609 | 33% | $654 |
| Farmers | $1,946 | $2,637 | 36% | $691 |
| Nationwide | $1,234 | $2,685 | 118% | $1,452 |
| Kemper Insurance | $1,831 | $3,678 | 101% | $1,847 |
| USAA* | $1,141 | $1,892 | 66% | $751 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates after an at-fault accident in Oregon
If you’re a driver with an at-fault accident on your record, State Farm is the cheapest option, offering car insurance at an average cost of $1,591 annually.
Auto-Owners is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost of $1,862 .
If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased costs for coverage.
| Company | Rates Before Accident | Rates After Accident | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,230 | $1,591 | 29% | $361 |
| Auto-Owners | $1,395 | $1,862 | 33% | $466 |
| Travelers | $1,402 | $2,034 | 45% | $632 |
| Nationwide | $1,234 | $2,092 | 70% | $858 |
| Geico | $1,114 | $2,160 | 94% | $1,046 |
| American Family | $1,663 | $2,306 | 39% | $643 |
| Kemper Insurance | $1,831 | $2,615 | 43% | $784 |
| Farmers | $1,946 | $2,743 | 41% | $797 |
| Progressive | $1,614 | $2,754 | 71% | $1,140 |
| Allstate | $1,955 | $3,212 | 64% | $1,257 |
| USAA* | $1,141 | $1,784 | 56% | $643 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Cities with the lowest auto insurance rates in Oregon
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
Albany is the city with the lowest premiums in Oregon at an annual auto insurance rate of $1,468 .
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
Below is a list of cities in Oregon with the lowest auto insurance rates.
| City | Full Coverage Annual Rates |
|---|---|
| Albany | $1,468 |
| Central Point | $1,486 |
| Corvallis | $1,487 |
| Eugene | $1,487 |
| Creswell | $1,495 |
| Tangent | $1,499 |
| Springfield | $1,501 |
| Eugene-Springfield | $1,502 |
| Lebanon | $1,509 |
| Baker City | $1,510 |
A detailed guide on the 10 most important factors that influence car insurance rates
How much can you save on auto insurance in Oregon?
Shopping around for car insurance quotes in Oregon can help drivers save 31% annually on full coverage policies.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good price.
Car insurance discounts in Oregon: Save on premiums
In Oregon, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in Oregon below.
| Discount Type | % Difference | $ Difference |
|---|---|---|
| Air bags | 4% | $66 |
| Anti-theft device | 1% | $12 |
| Daily commute | 2% | $40 |
| Days advanced purchase | 6% | $112 |
| Days per week driven | 2% | $40 |
| Education | 7% | $142 |
| Electronic funds transfer | 4% | $74 |
| Electronic signature | 10% | $269 |
| Homeowner | 5% | $118 |
| Lower annual mileage | 4% | $72 |
| Loyalty – years renewal with company | 6% | $78 |
| Marital status | 11% | $197 |
| Multi policy | 9% | $152 |
| Paperless/electornic documents | 4% | $75 |
| Payment type | 10% | $187 |
| Primary use | 6% | $95 |
| Profession | 10% | $213 |
| Safety devices | 2% | $39 |
| Telematics | 11% | $197 |
| Years insured | 20% | $615 |
| Years licensed | 31% | $1,144 |
Final thoughts on cheap car insurance in Oregon
Based on our research, if you are a good driver, Oregon Mutual is the cheapest in Oregon for a full coverage policy.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in Oregon, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Oregon for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/20.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John McCormick
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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.