The best car insurance in Oregon

Gianetta Palmer

By

Gianetta Palmer

Gianetta Palmer

Freelance contributor

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

Published November 17, 2021

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The average cost for full coverage car insurance in Oregon is $1,461 per year, less than the national average, which is good news for Oregon drivers. But insurance rates are determined by lots of factors, including your location, credit history, and driving record, and which is why rates are different for every driver.

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The best way to make sure you’re getting a deal on coverage is to compare quotes before you buy. Policygenius can help you see options from top companies and find coverage at a price that works best for you.

Key Takeaways

  • State Farm has the cheapest car insurance in Oregon at $843 per year for full coverage

  • Oregon drivers with poor credit could pay more than double for car insurance

  • Oregon requires at least $25,000 per person/$50,000 per accident in bodily injury liability and $20,000 in property damage liability

  • Uninsured/underinsured motorist coverage and Personal Injury Protection (PIP) are also required in Oregon

Cheapest car insurance companies in Oregon

Car insurance companies all use basically the same information, like your age, marital status, ZIP code, and driving history, to determine car insurance rates. But companies calculate rates differently, which is why some will offer you cheaper coverage than others.

Company

Average cost

JD Power Rating

State Farm

$843

881

COUNTRY Financial

$1,065

863

USAA

$1,083

890

GEICO

$1,176

871

Nationwide

$1,296

876

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

$2,261

18

COUNTRY Financial

$1,752

21

COUNTRY Financial

$1,375

25

State Farm

$942

30

State Farm

$853

35

State Farm

$837

45

State Farm

$838

55

State Farm

$797

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.

Violation

State Farm

COUNTRY Financial

USAA

GEICO

Nationwide

At-fault Accident

$1,098

$1,656

$1,583

$1,968

$2,260

DUI

$935

$1,740

$1,749

$2,445

$2,892

Driving with a suspended license

$935

$1,740

$1,665

$2,839

$2,892

Driving with an open container

$935

$1,497

$1,652

$2,445

$1,746

Driving with expired registration

$935

$1,497

$1,359

$1,285

$1,746

Driving without Lights

$935

$1,497

$1,068

$1,556

$1,746

Failure to show documents

$935

$1,497

$1,359

$1,285

$1,746

Failure to stop at a red light

$935

$1,497

$1,359

$1,556

$1,746

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.

Company

Rates for drivers with bad credit

GEICO

$1,645

COUNTRY Financial

$1,693

Nationwide

$1,835

Oregon Mutual

$1,912

State Farm

$2,093

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: $1,899

  • Salem: $1,594

  • Eugene: $1,353

  • Hillsboro: $1,650

  • Gresham: $1,924

  • Bend: $1,337

  • Beaverton: $1,716

  • Medford: $1,328

  • Springfield: $1,373

  • Corvallis: $1,339

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.

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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.

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 $843 per year for full coverage.

I just got engaged but have no immediate plans to get married, will that affect my insurance rates?

Married people pay lower rates than drivers who are single, so your car insurance may go down once you get married, but it probably won’t be by a significant amount.

I got a ticket for speeding, will my insurance go up?

A speeding ticket could raise your insurance rates by several hundred dollars. Driving safely and avoiding tickets and violations is one of the best ways to keep your car insurance rates low — and to stay safe on the road.

Methodology

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.