The average cost for full coverage car insurance in Oregon is $1,443 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.
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.
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
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 | $849 | 882 |
COUNTRY Financial | $1,003 | -- |
USAA | $1,023 | 890 |
Travelers | $1,162 | 854 |
GEICO | $1,176 | 874 |
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 |
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 | Travelers | GEICO |
|---|---|---|---|---|---|
At-fault accident | $1,081 | $1,526 | $1,578 | $1,632 | $1,968 |
DUI | $921 | $1,605 | $1,744 | $1,803 | $2,445 |
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 |
Speeding | $921 | $1,394 | $1,355 | $1,803 | $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.
Company | 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.
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.
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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.
