- Among the companies analyzed by CarInsurance.com, Oregon Mutual stands out as the cheapest option for full coverage car insurance in Oregon, with an insurance premium of $96 per month.
- Drivers in Oregon with a clean record pay 36% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in Oregon is Albany, with an annual premium of $1,468.
- Oregon drivers can save up to 31% annually on their auto insurance policy by comparing price quotes from multiple carriers.
You can find the cheapest full-coverage car insurance in Oregon for $96 a month from Oregon Mutual. It saves you $44 compared to the state average car insurance cost of $140 monthly.
Shopping for car insurance in Oregon can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“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.
Which company offers the cheapest car insurance rates in Oregon?
Based on data analysis by CarInsurance.com, Oregon Mutual provides the cheapest full coverage auto insurance rates for Oregon drivers at a monthly rate of $96 or $1,147 a year.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Oregon.
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.
Who pays the lowest auto insurance premiums in Oregon?
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- Married drivers pay 11% less than single drivers.
- Oregon drivers with clean records pay 36% less than drivers who have a DUI on their record.
- 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 Oregon companies for different coverage levels
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
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 up to $100,000 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you damage.
Cheapest companies for state minimum coverage in Oregon
Oregon requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| 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 liability-only coverage in Oregon
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, up to the policy limits.
Below, you’ll see average annual rates for major insurance providers in Oregon, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $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 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
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Cheapest car insurance in Oregon, by driving history
Your driving history affects how much you pay for insurance in Oregon because insurance companies use it to assess the risk associated with insuring a driver.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $688 more annually in Oregon than an individual with a clean driving record.
Cheap car insurance in Oregon after a speeding ticket
If you have a speeding ticket on your Oregon driving record and you are looking for cheap car insurance, State Farm offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $1,350 per year.
| 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.
Cheapest car insurance in Oregon after a DUI conviction
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 in Oregon after an at-fault accident
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.
Check out the most affordable insurance options in your neighboring state
Cities with the lowest auto insurance rates in Oregon
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
In Oregon, Albany stands out as the city with the lowest auto insurance rates, at an average of $1,468 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
The table below shows a list of cities in Oregon with the most affordable car 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 |
Learn about the 10 most important factors that affect car insurance rates
Average savings on car insurance in Oregon
If you compare car insurance quotes, you could enjoy an annual saving of around 31% on a full coverage policy in Oregon.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
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 |
The bottom line 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.
We know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in Oregon is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
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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