Car insurance premiums start to climb for drivers at around age 65. According to the Centers for Disease Control and Prevention, older drivers have a higher rate of fatal crashes than those aged 35 to 54.

However, seniors in Oregon can still find affordable car insurance. Our guide provides tips on securing the cheapest rates for seniors in Oregon and helps save on auto insurance premiums.

CarInsurance.com Insights
  • The average cost of car insurance for a 65-year-old driver in Oregon is $1,555 per year for a full coverage policy.
  • According to CarInsurance.com’s research, a 70-year-old driver in Oregon pays 6% more for full coverage than more for full coverage than a 65-year-old driver.
  • Finding the cheapest car insurance for seniors over 70 becomes more important as rates increases significantly. For instance, a 75-year-old driver in Oregon pays 16% more more a full coverage policy than a 65-year-old driver.
  • Reviewing and comparing car insurance quotes every six months or at renewal can help you find the most affordable rates.

Cheapest car insurance companies for seniors in Oregon

Find the cheapest full coverage car insurance rates in Oregon for drivers of different ages below.

  • Overall cheapest car insurance for seniors over 60: Nationwide, $109 per month.
  • Cheapest for seniors at age 65: Oregon Mutual Insurance, $101 per month.
  • Cheapest for seniors at age 70: Nationwide, $107 per month.
  • Cheapest for seniors at age 75: Nationwide, $117 per month.

Compare cheap car insurance quotes for senior drivers in Oregon

Below are the cheapest Oregon rates the major car insurance companies offer for three different coverage levels: The state minimum, liability-only coverage with limits of 50/100/50 and full coverage car insurance with liability limits of 100/300/100.

Rates by companies for seniors in Oregon

Select your age and type of coverage below to see the average annual and monthly rates.

Results for age 60 and the following coverage level: full coverage
Company NameAvg. Annual PremiumAvg. Monthly Premium
 
Coverage types:
  • Full coverage: 100/300/100 liability with $500 comprehensive/collision deductible
  • Liability only: 50/100/50 liability only
  • State minimum: State minimum coverage

State minimum car insurance refers to the least amount of coverage that a driver is legally required to have in a particular state. This typically includes liability insurance, which covers bodily injury and property damage to others if you are at fault in an accident. Each state sets its own minimum requirements for coverage limits.

Liability car insurance with limits of 50/100/50 means:

  • $50,000 per person for bodily injury
  • $100,000 per accident for bodily injury per accident
  • $50,000 per accident for property damage

A liability policy covers expenses for injuries and damages you cause to others in an accident, but not your own injuries or vehicle damage.

Full coverage insurance with limits of 100/300/100 includes higher liability limits:

  • $100,000 per person for bodily injury
  • $300,000 per accident for bodily injury to multiple people
  • $100,000 per accident for property damage

It also typically includes:

Full coverage ensures you are covered for a wide range of incidents, both for your liability to others and for your own vehicle’s damage.

Why do car insurance rates increase for senior drivers in Oregon?

As drivers age, car insurance typically becomes more expensive. This is largely because statistics reveal that seniors, on average, are more involved in accidents than younger drivers, excluding teenagers, according to the Insurance Institute for Highway Safety.

While older drivers usually have decades of experience under their belt, they often suffer from age-related hearing or vision loss, slower reflexes, side effects from medicines and other health issues that can make driving more difficult.

The CDC reports that drivers older than 70 have a higher rate of crash fatalities per 1,000 crashes than those aged 35-54. NHTSA statistics reveal that in 2020, senior drivers 65 and older were involved in 13% of fatal accidents, up by 26% since 2011.

In addition, older drivers are more likely to need medical treatment even after a minor accident, and steep hospital expenses contribute to an overall increase in insurance rates.

“Unfortunately, as we move past middle age, the odds of being more severely injured or dying in a car crash increase significantly,” says Carole Walker, executive director at Rocky Mountain Insurance Association.

“Statistically, older drivers have a higher risk of causing a crash, but an even bigger factor adding to higher car insurance bills are common health problems that make them more prone to being hurt and incurring medical bills – even in low-speed or less serious crashes,” she says.

This leads to higher car insurance costs. CarInsurance.com’s data show that premiums rise for most senior drivers starting in their mid-60s and keep increasing. In Oregon, a full coverage policy costs an average of $1,555 for a 65-year-old driver, while a 70-year-old driver pays $1,650.

70-year-old drivers pay 6% more for full coverage than 65-year-olds and 75-year-old drivers pays 16% more for a full coverage policy

The table below highlights the annual average rate increases for senior drivers in Oregon based on age and different coverage levels:

Chart
Table
AgeState minimumLiability onlyFull coverage
65$621$700$1,555
70$671$747$1,650
75$751$832$1,849

Coverage types:

  • Full coverage: 100/300/100 liability with $500 comp/coll Deductible
  • Liability only: 50/100/50 liability only
  • State minimum: State minimum coverage only

Find out how much insurance costs for seniors

Cheapest car insurance for seniors with tickets in Oregon

A speeding ticket or other moving violation will raise your insurance rates regardless of your age. Insurers love statistics, and data show that a driver with a ticket on their record is more likely to get in an accident that may result in a claim.

The rate increase will vary by insurance company, but Oregon drivers can expect a 41% rise in their premiums after receiving a speeding ticket for going 1-29 mph over the limit.

Seniors who have a speeding ticket or minor moving violation can expect increased insurance costs. Based on our analysis, the best insurance providers for seniors with tickets are shown in the table below.

CompanyAnnual rates with 1 speeding ticketMonthly rates with 1 speeding ticket
State Farm$1,475$123
Travelers$1,975$165
Nationwide$2,038$170
Progressive$2,317$193
Farmers$2,760$230
Allstate$3,456$288
GEICO$3,593$299
USAA*$1,560$130

Cheapest car insurance for seniors with DUIs in Oregon

A DUI is a major offense, and your insurance rates will rise significantly once it shows on your driving record. In most instances, your premium will double with a DUI. According to CarInsurance.com, in some states, rates can increase by 71% after the first DUI and up to 125% after a second.

Finding affordable coverage (or any coverage) will become more difficult after a DUI. Still, according to our data, these are the best insurers for seniors with a DUI in Oregon:

CompanyAnnual rates with DUI first offenseMonthly rates with DUI first offense
State Farm$1,475$123
Travelers$2,073$173
Progressive$2,101$175
Nationwide$2,818$235
Farmers$3,706$309
Allstate$3,912$326
GEICO$4,140$345
USAA*$2,034$170

Cheapest car insurance for seniors after an accident in Oregon

Similar to a ticket or DUI, an accident on your record will lead to higher insurance rates. Although the exact increase depends on the insurer, data show drivers can expect a 67% hike in premiums after an at-fault accident with property damage over $2,000.

Typically, the premium increase remains for three to five years, making it essential to find an affordable insurer. According to our data, the following companies provide the cheapest car insurance for seniors in Oregon after an accident.

CompanyAnnual rates with 1 at-fault accidentMonthly rates with 1 at-fault accident
Nationwide$1,592$133
State Farm$1,730$144
Travelers$1,911$159
Progressive$3,007$251
GEICO$3,281$273
Farmers$3,873$323
Allstate$4,847$404
USAA*$2,079$173

How can seniors save on car insurance in Oregon?

While auto insurance for seniors can be costly, there are ways to save. Here are some simple steps to lower your premiums:

  • Shop around: Comparing car insurance quotes every six months or annually around renewal time can help you find the best deal.
  • Raise your deductible: By increasing your deductible from $500 to $1,000, you can reduce your monthly premiums. However, make sure you have enough savings to cover the higher deductible.
  • Ask about discounts: Discounts, such as bundling with homeowners insurance, loyalty discounts and years of being licensed, are excellent ways to reduce your car insurance costs. Learn more about discounts below.

Tip iconEditor’s Tip:

Take a senior driving course: With an approved defensive driving course, seniors can save up to 4% on their car insurance in Oregon. The American Automobile Association(AAA) and AARP offer defensive driving courses for senior drivers in Oregon.

Car insurance discounts for senior drivers in Oregon

Here are some car insurance discounts to help seniors reduce their insurance costs.

Discount typePotential annual savings
Air bags4%
Anti-theft device1%
Daily commute2%
Days advanced purchase6%
Days per week driven2%
Defensive driver4%
Education7%
Electronic funds transfer4%
Electronic signature10%
Homeowner4%
Lower annual mileage4%
Loyalty – years renewal with company6%
Marital status8%
Multi policy9%
Paperless/electronic documents4%
Payment type10%
Primary use6%
Profession10%
Safety devices2%
Telematics11%
Years insured22%
Years licensed32%

Choosing the cheapest and best car insurance for seniors in Oregon

Senior drivers pay higher premiums than young adult drivers (excluding teens, of course). To find an affordable policy, assess your needs and determine the right amount of coverage.

When comparing insurance options, consider the cost, customer service and discounts offered. Search for the best auto insurance companies with affordable rates and user-friendly websites or apps.

FAQ: Cheap car insurance for seniors in Oregon

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Who has the cheapest state minimum auto insurance for seniors in Oregon?

Our data show that GEICO provides the cheapest state minimum auto insurance for seniors in Oregon, at around $475 per year. Country Financial and State Farm also rank highly for affordable state minimum coverage for seniors in Oregon.

Which companies offer the cheapest liability car insurance for seniors in Oregon?

GEICO offers the cheapest liability car insurance for senior drivers in Oregon, with an average annual premium of $580. According to a CarInsurance.com data analysis, Country Financial and Travelers also provide cheap liability insurance for seniors in Oregon.

Does State Farm offer a senior discount in Oregon?

State Farm does not offer a senior discount in Oregon, but it provides many discounts that seniors can use to lower their premiums. It includes discounts for defensive driving courses, safe driving, long-term customer loyalty, bundling policies and advanced safety feature discounts.

Bottom line

Nationwide offers the cheapest car insurance quotes for senior drivers in Oregon for a full coverage policy, based on a CarInsurance.com analysis.

By shopping around and comparing rates online from different insurers, seniors can find the best deal on their car insurance. Additionally, senior drivers could qualify for discounts by taking defensive driving courses or bundling their car insurance with other types of insurance.

Check out how to shop for car insurance for seniors

Resources & Methodology

Additional resources

There are several resources available for older drivers who want to stay safe behind the wheel and save on their insurance premiums:

  1. American Automobile Association: AAA helps senior drivers to continue driving for as long and safely as possible.
  2. AARP (American Association of Retired Persons): AARP’s smart driver program helps senior drivers to learn proven driving techniques and save money on car insurance.
  3. National Institute on Aging: The NIA provides tips to senior drivers about health and driving and offers free publications to aging seniors to answer health-related queries.
  4. Fitness-to-Drive Screening Measure Online: This web-based tool helps family members identify at-risk drivers.
  5. Eldercare Locator: Helps senior drivers maintain their independence, and provides information about highway safety for aging drivers and services.

Sources:

  1. Centers for Disease Control & Prevention. “Older Adult Drivers.” Accessed July 2025.
  2. Insurance Institute for Highway Safety. “Fatality Facts 2021 Older People.” Accessed July 2025.
  3. National Safety Council. “Motor Vehicle: Age Group Comparisons.” Accessed July 2025.
  4. National Highway Traffic Safety Administration “U.S. Department of Transportation’s Fatality Analysis Reporting System (FARS).” Accessed July 2025.

Behind the rates: How we analyzed cheapest costs for seniors in Oregon

CarInsurance.com gathered car insurance rates for senior drivers from Quadrant Information Services. The rates are for a full coverage policy with limits 100/300/100 and a $500 comprehensive and collision deductible based on sample profiles of 65, 70 & 75 year old male and female drivers with clean driving records. We have compared 53,409,632 car insurance quotes across 34,588 ZIP codes from 170 national and regional car insurance companies.

To determine car insurance rates for senior drivers with a history of traffic violations, CarInsurance.com used a sample profile of a 65-year-old driver who owns a Honda Accord LX. We have compared 50,73,544 insurance quotes from 138 companies across 1,468 ZIP codes.

Car insurance rates are calculated by evaluating the sample profile of a 65-year-old male and female driver with the following incidents applied

  • One at-fault property damage accident over $2K
  • One at-fault property damage accident under $2K
  • At-fault bodily injury accidents
  • DUI/DWI first offense.
  • Speeding ticket (1-10 MPH over the limit,11-29 MPH over the limit & 30+ over limit)

These are sample rates and should only be used for comparison purposes.

Note: USAA is only available to military community members and their families.

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Meet our editorial team
author-img Shivani Gite Contributing Writer
Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.
author-img Laura Longero Executive Editor
Laura Longero is an insurance expert with more than 15 years of experience educating people about personal finance topics and helping consumers navigate the complexities of auto insurance. She writes and edits for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com. Prior to joining QuinStreet, she worked as a reporter and editor at the USA Today Network. Laura completed the pre-licensing course in Personal Lines Property & Casualty Insurance in Nevada.