CarInsurance.com Insights
  • According to recent data, Oregon Mutual offers the cheapest full coverage car insurance in Oregon at $96 per month.
  • Oregon drivers with a clean driving record pay 36% less for car insurance than drivers with a DUI.
  • In Oregon, the city of Albany has the most affordable car insurance rates at $1,468 annually.
  • Comparing price quotes from multiple insurers can help you save up to 31% per year on your car insurance policy in Oregon.

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 in Oregon?

Oregon Mutual offers the cheapest car insurance rates in Oregon for a full coverage policy with an average premium of $96 per month or around $1,147 per year, based on CarInsurance.com’s rate analysis.

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

CompanyFull 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.

Tip iconTip

If 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

It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.

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 state minimum coverage in Oregon

State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Oregon, you must have at least the following insurance coverage on your car.

Minimum coverageMinimum 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, you’ll see average annual rates for major insurance providers in Oregon, ranked from cheapest to most expensive for state minimum coverage.

CompanyState 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.

CompanyLiability 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

A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.

In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.

The following table lists the average annual rates of major insurance companies in Oregon from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.

CompanyFull 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

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 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.

CompanyRates before speedingAfter speeding (1-29 mph over limit)% difference$ difference
State Farm$1,230$1,35010%$120
Auto-Owners$1,395$1,78828%$392
Nationwide$1,234$1,97760%$743
Travelers$1,402$2,11451%$712
American Family$1,663$2,16730%$504
Progressive$1,614$2,20637%$592
GEICO$1,114$2,21198%$1,097
Allstate$1,955$2,32019%$365
Kemper Insurance$1,831$2,36729%$536
Farmers$1,946$2,51829%$572
USAA*$1,141$1,45728%$316

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

Cheapest car insurance premiums in Oregon after a DUI conviction

Oregon drivers with a DUI on their record can get the cheapest car insurance from State Farm at an average of $1,350 a year, followed by Progressive with an annual premium of $1,929 annually, based on recent data.

If you have a clean record, you are likely to pay 36% less for car insurance than someone with a DUI.

Company Rates before DUIRates after a DUI% difference$ difference
State Farm$1,230$1,35010%$120
Progressive$1,614$1,92919%$315
Auto-Owners$1,395$2,03546%$640
American Family$1,663$2,16730%$504
Travelers$1,402$2,22359%$821
GEICO$1,114$2,536128%$1,421
Allstate$1,955$2,60933%$654
Farmers$1,946$2,63736%$691
Nationwide$1,234$2,685118%$1,452
Kemper Insurance$1,831$3,678101%$1,847
USAA*$1,141$1,89266%$751

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

Cheap car insurance rates after an at-fault accident in Oregon

State Farm is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,591.

Auto-Owners is the second most affordable option, providing full-coverage car insurance with an average annual premium of $1,862.

If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher costs for coverage.

CompanyRates before accidentRates after accident% difference$ difference
State Farm$1,230$1,59129%$361
Auto-Owners$1,395$1,86233%$466
Travelers$1,402$2,03445%$632
Nationwide$1,234$2,09270%$858
GEICO$1,114$2,16094%$1,046
American Family$1,663$2,30639%$643
Kemper Insurance$1,831$2,61543%$784
Farmers$1,946$2,74341%$797
Progressive$1,614$2,75471%$1,140
Allstate$1,955$3,21264%$1,257
USAA*$1,141$1,78456%$643

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

Which cities in Oregon have the lowest auto insurance rates?

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.

The city with the lowest auto insurance rates in Oregon is Albany, at $1,468 per year.

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.

CityFull 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

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 bags4%$66
Anti-theft device1%$12
Daily commute2%$40
Days advanced purchase6%$112
Days per week driven2%$40
Education7%$142
Electronic funds transfer4%$74
Electronic signature10%$269
Homeowner5%$118
Lower annual mileage4%$72
Loyalty – years renewal with company6%$78
Marital status11%$197
Multi policy9%$152
Paperless/electornic documents4%$75
Payment type10%$187
Primary use6%$95
Profession10%$213
Safety devices2%$39
Telematics11%$197
Years insured20%$615
Years licensed31%$1,144

Final thoughts on cheap car insurance in Oregon

Our research shows that Oregon Mutual has the cheapest full coverage car insurance rates in Oregon for individuals with a good driving record.

We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.

To get cheap car insurance in Oregon, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.

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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Meet our editorial team
author-img Shivani Gite Contributing Writer
Shivani Gite is an insurance and personal finance writer with a degree in journalism. She specializes in simplifying complex insurance topics, providing readers with clear and accessible guidance to make informed coverage and financial decisions.
author-img Laura Longero Editor-in-Chief
Laura Longero is the editor-in-chief of CarInsurance.com and a Nevada-based insurance expert. With more than 15 years of experience simplifying complex financial and insurance topics, she provides clear, trustworthy guidance to help drivers make confident coverage decisions. She serves as a media spokesperson for CarInsurance.com and has been featured in Consumer Affairs, MotorTrend and Business Insider, and completed the pre-licensing course in Personal Lines Property & Casualty Insurance.