The cheapest full coverage car insurance in Oregon is $96 , saving you $44 compared to the average cost of insurance in the state, which is around $140 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Oregon, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“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.
- 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.
Car insurance companies with cheap car insurance 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.
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Who pays a lower insurance premium 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 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
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, you’ll see average annual rates for major insurance providers in Oregon, ranked from cheapest to most expensive for 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.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
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 auto insurance in Oregon by driving history
Your driving history impacts insurance premiums in Oregon, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
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 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.
Cheap car insurance rates after a DUI conviction in Oregon
CarInsurance.com analyzed insurance rates for Oregon drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $1,350 . Progressive is the second-cheapest insurer at an average of $1,929 per year.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 36% less than drivers with a DUI on their record.
| 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 companies in Oregon after an at-fault accident
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 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 Oregon cities with the lowest auto insurance rates
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.
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.
| 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?
By comparing car insurance quotes, you can save an average of 31% per year for a full coverage policy in Oregon.
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
Car insurance discounts in Oregon can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in Oregon.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| 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
Our research shows that Oregon Mutual has the cheapest full coverage car insurance rates in Oregon for individuals with a good driving record.
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:
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 is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
Editorial Director
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
Managing Editor
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
Managing Editor
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.