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.
Which company offers the cheapest car insurance rates 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.
Oregon drivers who pay lower insurance premiums
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- 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 Oregon companies for different coverage levels
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
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 up to $100,000 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you 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 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 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.
| 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 car insurance companies in Oregon for full coverage
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or 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 lists major insurance providers in Oregon based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| 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.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Oregon, drivers with a history of traffic violation pay an average of $688 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
Cheap car insurance rates after a speeding ticket in Oregon
If you’ve got a speeding ticket on your Oregon driving record and need affordable car insurance, State Farm might be the answer. With an average annual rate of $1,350, State Farm offers the cheapest full coverage auto insurance options for drivers with speeding tickets in Oregon.
| 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.
Cheapest car insurance in Oregon after a DUI conviction
State Farm offers the cheapest car insurance to Oregon drivers with a DUI conviction at $1,350 per year and Progressive has the second-cheapest insurance premiums at $1,929 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 36% less than those with a history of DUI.
| 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
The car insurance company with the cheapest driver rates after an at-fault accident is State Farm, at $1,591 a year.
On the other hand, Auto-Owners offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $1,862.
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| 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.
Check out the most affordable insurance options in your neighboring state
Cities with the lowest auto insurance rates in Oregon
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.
In Oregon, Albany stands out as the city with the lowest auto insurance rates, at an average of $1,468 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
The table below shows a list of cities in Oregon with the most affordable car 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 |
Learn about the 10 most important factors that affect car insurance rates
How much can you save on car insurance in Oregon?
By comparing car insurance quotes, you can save an average of 31% per year for a full coverage policy in Oregon.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
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 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 |
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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