Best car insurance in Oregon (2024)

The best car insurance companies in Oregon are State Farm, COUNTRY Financial, USAA, Travelers, and GEICO, but the best company for you will depend on personal details like your driving record and where in the state you live.

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By

Andrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Edited by

Anna SwartzAnna SwartzSenior Managing EditorAnna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.
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Reviewed by

Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

Updated|3 min read

Expert reviewedExpert reviewedThis article has been reviewed by a member of ourFinancial Review Council to ensure all sources, statistics, and claims meet the highest standard for accurate and unbiased advice.Learn more about oureditorial review process.

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The cheapest car insurance company in Oregon is State Farm, which offers coverage for $71 a month or $849 a year. COUNTRY Financial, USAA, Travelers, and GEICO are the other cheapest car insurance companies in Oregon.

Ready to shop car insurance?

We recommend comparing quotes before you buy car insurance, that way you can be sure you found the best rates for the coverage you need.

Average cost per month

State Farm

$71

COUNTRY Financial

$84

USAA

$85

Travelers

$97

GEICO

$98

Methodology & why you can trust our rates

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Cheapest car insurance companies in Oregon

State Farm

State Farm logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.8

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Coverage for rideshare drivers

Good student discount

Mobile app

Usage-based discount

Offers classic car insurance

Offers motorcycle insurance

Why we chose itchevron icon

State Farm is one of the top car insurance companies in Oregon thanks to its cheap rates and high customer service ratings. State Farm can even be an affordable pick for drivers with spotty records.

Pros and conschevron icon

Pros

  • Available in almost every state

  • Low rates for teens and drivers with accidents

  • High customer satisfaction ratings

Cons

  • Limited coverage options

More detailschevron icon

Why we chose State Farm:

We found that State Farm is often the cheapest option for car insurance regardless of your driving record.

State Farm also has high customer satisfaction ratings and receives fewer complaints than is average for the industry, according to the National Association of Insurance Commissioners.

How does the cost of car insurance from State Farm compare to the average in Oregon?

The average cost of State Farm car insurance in Oregon is $71 a month or $849 per year, which is 41% cheaper than the statewide average.

COUNTRY Financial

Country Financial logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.7

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Mobile app

Smart home discounts

Offers new car replacement

Good student discount

Why we chose itchevron icon

COUNTRY Financial has cheap car insurance in Oregon, even for young drivers, along with a range of coverage options. It also receives few complaints from its customers.

Pros and conschevron icon

Pros

  • Lower-than-average rates

  • Lots of coverage options

  • Low number of customer complaints

Cons

  • Only available in 19 states

  • Not rated by S&P or Moody’s

More detailschevron icon

Why we chose COUNTRY Financial

COUNTRY Financial is one of the cheapest car insurance companies in Oregon, even if you have an accident or driving violation on your record, or a young driver on your policy.

We also like COUNTRY’s coverage options, which include new car replacement coverage, personal belongings coverage, and full glass coverage. But COUNTRY doesn’t offer gap insurance, so you may need to find a different company if your lessor or lender requires you to have gap coverage.

How does the cost of car insurance from COUNTRY Financial compare to average in Oregon?

The average cost of car insurance from COUNTRY Financial in Oregon is $84 a month or $1,003 per year, which is 31% cheaper than the statewide average.

USAA

USAA logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starFull orange star

5.0

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

All 50 states

Bundle home & auto

Coverage for rideshare drivers

Good student discount

Usage-based discount

Offers classic car insurance

Mobile app

Offers motorcycle insurance

Why we chose itchevron icon

USAA has some of the best car insurance rates and customer service ratings of any company in Oregon. Add-ons include gap insurance and roadside assistance, along with special savings for service members.

Pros and conschevron icon

Pros

  • Low rates

  • Available nationwide

  • High customer service ratings

Cons

  • Only available to military members and their families

More detailschevron icon

Why we chose USAA:

If you’re an active or retired member of the military or a part of a military family, USAA has some of the lowest car insurance rates in Oregon. USAA also offers gap coverage — which may be required if you lease or finance your car.

USAA also has strong customer service ratings, and frequently earns top marks in the annual J.D. Power Claims Satisfaction Study.

How does the cost of car insurance from USAA compare to average in Oregon?

The average cost of car insurance from USAA in Oregon is $85 a month or $1,023 per year, which is 29% cheaper than the statewide average.

Travelers

logo for Travelers car insurance

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.7

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Accident forgiveness

Bundle home & auto

Usage-based discount

Offers gap coverage

Offers new car replacement

All 50 states

Coverage for rideshare drivers

Mobile app

New homebuyer discount

Why we chose itchevron icon

Travelers has cheaper-than-average car insurance rates (along with a lengthy list of discounts), and a range of useful coverage add-ons.

Pros and conschevron icon

Pros

  • Offers useful add-ons like new car replacement and gap coverage

  • Cheaper-than-average rates

  • Receives few complaints for service

Cons

  • Has lower satisfaction ratings than competitors

More detailschevron icon

Why we chose Travelers:

Travelers is one of the best and cheapest companies for car insurance in STATE. While rates are lower than average, your insurance might be even more affordable once you factor in Travelers’s nearly one dozen discounts.

Travelers’s coverage options are another strong point. You can add gap insurance (which you need if you don’t own your car outright), along with accident forgiveness, new car replacement, and more to a basic policy.

How does the cost of car insurance from Travelers compare to average in STATE?

The average cost of car insurance from Travelers in STATE is $XX a month or $X,XXX per year, which is XX% cheaper than the statewide average.

GEICO

Logo for GEICO insurance company

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.7

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers classic car insurance

All 50 states

Offers motorcycle insurance

Good student discount

Mobile app

Usage-based discount

Why we chose itchevron icon

GEICO is among our picks for top car insurance companies because of its low rates, convenient mobile app, and solid customer service.

Pros and conschevron icon

Pros

  • Available in all 50 states

  • Easy-to-use digital tools

  • Plenty of discounts

Cons

  • Only sells through GEICO agents

  • Doesn’t underwrite its other products

More detailschevron icon

Why we chose GEICO

GEICO is one of the best car insurance companies in STATE. You can often find cheap car insurance with GEICO even if you have bad credit or a newly licensed  driver who uses your car.

We also like GEICO’s convenient mobile app, which lets you estimate what repairs to your vehicle might cost after an accident. Even though it’s one of the largest insurance companies in the country, GEICO gets fewer complaints from its customers than expected.

How does the cost of car insurance from GEICO compare to average in STATE?

The average cost of car insurance from GEICO in STATE is $XX a month or $X,XXX per year, which is XX% cheaper than the statewide average.

Cheapest car insurance companies by age in Oregon

Statistics show young drivers are involved in more accidents than any other age group, which is why they pay the most for car insurance. Insurance rates typically go down for young drivers at age 25, but that isn’t always the case, especially for young drivers with spotty driving records.

Age

Cheapest company

Average cost

16

COUNTRY Financial

$2,057

18

COUNTRY Financial

$1,611

21

COUNTRY Financial

$1,277

25

State Farm

$945

30

State Farm

$859

35

State Farm

$843

45

State Farm

$845

55

State Farm

$804

60

State Farm

$785

65

State Farm

$782

70

State Farm

$827

Collapse table

Choosing the right car insurance company in Oregon

Finding the right insurance company can seem difficult, but it all comes down to figuring out how much coverage you want and then comparing rates from at least a few different companies. The right car insurance company for you is the one that offers you the most coverage at the lowest rate.

Policygenius can help you compare quotes from top companies so you can choose the coverage that’s best for you.

Car insurance rates for drivers with driving violations in Oregon

Your driving history says a lot about you, and insurers use this information to set insurance rates. A single speeding ticket can increase your rates by hundreds of dollars, and a DUI conviction could make you uninsurable with some companies, so if you have a spotty driving history, it’s even more important to shop around for coverage.

A bar graph showing the cheapest car insurance companies in Oregon. State Farm has the lowest rates.

State Farm

COUNTRY Financial

USAA

Travelers

GEICO

At-fault accident

$1,081

$1,526

$1,578

$1,632

$1,968

Suspended license

$921

$1,605

$1,661

$1,803

$2,839

Open container

$921

$1,394

$1,648

$1,544

$2,445

Expired registration

$921

$1,394

$1,355

$1,544

$1,285

Driving without lights

$921

$1,394

$1,065

$1,544

$1,556

Running a red light

$921

$1,394

$1,355

$1,544

$1,556

Following too closely

$921

$1,394

$1,355

$1,544

$1,556

Hit and run

$921

$1,605

$1,835

$1,803

$2,839

Not-at-fault accident

$859

$1,058

$1,065

$1,223

$1,329

Passing a school bus

$921

$1,394

$1,648

$1,803

$1,556

Reckless driving

$921

$1,605

$1,648

$1,803

$2,839

Collapse table

Cheapest car insurance for drivers with a DUI in Oregon

Rates for drivers with DUIs

State Farm

$921

COUNTRY Financial

$1,605

USAA

$1,744

Travelers

$1,803

GEICO

$2,445

Cheapest car insurance for drivers with a speeding ticket in Oregon

Rates for drivers with speeding tickets

State Farm

$921

USAA

$1,355

COUNTRY Financial

$1,394

Travelers

$1,803

GEICO

$2,445

Cheapest car insurance for drivers with bad credit in Oregon

Insurance companies often use your credit score to determine the price you pay for car insurance, and a lower score usually means higher rates.

However the state of Oregon limits how insurers can use credit scores when calculating rates, and Oregon lawmakers have proposed legislation that would prohibit insurers from considering credit scores at all when setting rates.

Rates for drivers with bad credit

GEICO

$1,645

COUNTRY Financial

$1,746

Nationwide

$1,853

Oregon Mutual

$1,912

Travelers

$2,081

Car insurance costs in Oregon cities

Where in Oregon you call home will also affect how much you’ll pay for coverage. Rates of car theft, accidents and claims in your city can mean higher or lower rates. Here’s what drivers pay for car insurance coverage in the ten largest cities in Oregon.

  • Portland: $1,881

  • Salem: $1,575

  • Eugene: $1,341

  • Hillsboro: $1,631

  • Gresham: $1,898

  • Bend: $1,319

  • Beaverton: $1,697

  • Medford: $1,312

  • Springfield: $1,353

  • Corvallis: $1,323

The city of Gresham has the highest average car insurance rates in Oregon. If you live in an area with high insurance rates, shopping around for insurance is the best way to find affordable coverage.

Ready to shop car insurance?

Buying car insurance in Oregon

Oregon state law says that all drivers must meet the following minimum coverage requirements:

  • Bodily injury liability coverage per person: $25,000

  • Bodily injury liability coverage per accident: $50,000

  • Property damage liability coverage: $20,000

  • Personal injury protection: $15,000 per person

  • Uninsured/underinsured motorist coverage: Equal to the state’s liability minimums ($25,000 per person and $50,000 per accident)

The state minimum requirements in Oregon are very low, so most drivers will need to buy well over the required amounts in order to be fully protected. Remember that if you don’t have enough liability coverage to fully cover the damage you’re responsible for after an accident, you’ll have to pay the rest out of pocket.

How to get cheap car insurance in Oregon

Most car insurance companies offer a range of discounts that can help you save money on your premiums. Here are some of the most common:

  • Accident-free discount: For drivers with no recent accidents 

  • Low mileage discount: For drivers who drive less than 7,500 miles annually

  • Loyalty discount: For drivers who have been with the same company for a set number of years

  • Bundling discount: For getting more than one insurance policy from the same company 

  • Military discount: For drivers who are active-duty servicemembers and their families

Discounts vary by company, and you might not qualify for all of them. The easiest way to get lower insurance is by comparing quotes before you buy.

Find car insurance in your city:

Frequently asked questions

Who has the lowest car insurance in Oregon?

According to our analysis, State Farm has the lowest average rates in the state at $849 per year for full coverage.

How much is car insurance in Oregon per month?

Car insurance in Oregon costs $120 per month, cheaper than the average cost of coverage nationwide.

Is PIP mandatory in Oregon?

Yes, personal injury protection is mandatory in Oregon. Drivers must carry at least $15,000 of PIP to drive legally on the state's roads. However, while you need to carry PIP, Oregon isn't a no-fault state.

Does insurance follow the car or driver in Oregon?

In Oregon, insurance usually follows the car. This means that you won't need to get your own insurance to borrow someone else's car. If you're involved in a crash, you'll use the car's existing insurance coverage to protect yourself from financial damages.

Author

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Editor

Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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