In a Nutshell
Could you be saving money on your Oregon car insurance? The average cost of car insurance varies based on individual circumstances like credit score, age, driving history and vehicle. We looked at the average rates for several different driver profiles and found some of the lowest-cost insurers for drivers in the Beaver State.Note from our editor: Maybe you’re searching for car insurance for the first time or want to do some insurance shopping to help lower your monthly premium? This article can serve as a starting point for your car insurance research. There are a lot of factors when it comes to the cost of car insurance, so while you may not see the exact premiums we’ve researched, they can give you an idea of some of the insurers offering the cheapest rates in your state.
Whether driving down the Oregon coast or commuting into downtown Portland, if you’re a driver in Oregon you’ll need to make sure your car is protected by the right insurance.
We estimated the average cost of basic auto insurance across several insurance companies in Oregon and found out which insurer offers the cheapest estimated rates, at minimum coverage, for several driver needs and profiles.
We made our calculations on a relatively neutral driver profile — someone with no accidents, tickets or claims, for example — so we could evenly compare and get a baseline view of insurers’ rates (see our full methodology). Your rates may be higher or lower, given your driving history and other factors that affect car insurance like your age, mileage, vehicle type, and coverage options.
Read on to learn about Oregon’s average car insurance rates and our findings for the cheapest options.
- Cost of car insurance in Oregon
- 5 cheapest car insurance companies in Oregon
- Cheapest state-minimum car insurance in Oregon
- Cheapest car insurance for good credit in Oregon
- Cheapest car insurance for poor credit in Oregon
- Cheapest car insurance for drivers with multiple claims in Oregon
- Cheapest car insurance for young drivers in Oregon
- Oregon auto insurance requirements
- Is usage-based insurance available in Oregon?
- FAQs about the cheapest car insurance rates in Oregon
- Methodology
Cost of car insurance in Oregon
Average monthly premiums for car insurance in Oregon range from just under $60 to over $120, depending on the type of coverage and driver profile.
Average monthly auto insurance premiums in Oregon
| Driver or coverage | Avg. monthly cost |
|---|---|
| State-minimum car insurance in Oregon | $58.85 |
| Drivers with poor credit in Oregon | $92.77 |
| Drivers with multiple claims in Oregon | $122.20 |
| Young drivers in Oregon | $83.94 |
5 cheapest car insurance companies in Oregon
Read on to learn more about Oregon’s five cheapest car insurance companies. We based our calculations on a specific Oregon driver profile, as detailed in our methodology, to get the best idea of the cost of minimum auto insurance for an average driver.
Unless otherwise noted, our Oregon driver is 36 to 45 years old, has a 680 to 719 credit score, has no tickets or coverage gaps and drives a car worth $20,000 to $30,000. Your rates may differ, but don’t worry — we’ve also looked at the cheapest car insurance companies for drivers with different credit outlooks, ages and coverage options.
1. USAA
Our Oregon driver profile’s cheapest car insurance company is USAA, which offers car insurance for as little as $39.17 per month for minimum coverage. To be eligible for USAA auto insurance, you’ll need a membership available to U.S. military members and their spouses and children. USAA offers a full range of coverage options and several potential discounts. It also has a SafePilot program, which rewards drivers for recording their safe driving behavior.
Read reviews of USAA auto insurance.2. State Farm
Our Oregon driver profile could see auto insurance from State Farm for about $40.63 a month for basic coverage. In addition to collision and comprehensive insurance, State Farm offers rental insurance, rideshare insurance and emergency roadside assistance. Drivers may save money on their premiums by driving safely or having certain safety features.
Check out reviews of State Farm auto insurance.3. Geico
With Geico, our Oregon driver profile could pay as low as $41.10 per month for car insurance. In addition to minimum coverage, Geico customers have access to a wide range of coverage options. Plus, Geico offers opportunities to save money on premiums by bundling policies, maintaining a safe driving record and having various installed safety features — and for being a good student, federal employee or military member. The Geico mobile app allows users to manage their policy, pay bills, request roadside assistance, get a photo estimate and more.
Read reviews of Geico auto insurance.4. Oregon Mutual
Oregon Mutual offers car insurance through independent agents and could offer our Oregon driver profile basic car insurance at a rate of $44.42 per month. Oregon Mutual has offered personal, commercial and agricultural insurance (it even insures wineries) for more than 125 years. Customers can also access 24/7 towing, roadside assistance and a network of approved appraisal and repair shops.
5. Country
Like Oregon Mutual, Country sells insurance via independent agents. Our Oregon driver profile could pay as little as $44.72 per month for minimum coverage through Country. Country offers all of the standard collision, comprehensive and uninsured motorist coverage options, plus add-ons, including emergency road service coverage, vehicle rental and trip interruption coverage, personal effects coverage, safety glass coverage and The Keeper, which covers the full value of your new car if it’s totaled in an accident. Loyalty, driver and safety discounts are also available, and Country has additional discounts and programs specifically for teen drivers.
Cheapest state-minimum car insurance in Oregon
If you’re insuring an older car or just looking for ways to cut costs on your premium, you may be shopping for state-minimum insurance. Sometimes called liability-only insurance, this is often the least expensive insurance you can buy because it offers just the amount of protection required by the state to drive your car legally.
The following insurance companies have the lowest premiums for customers looking for state-minimum coverage only.
5 cheapest car insurance companies in Oregon for state-minimum coverage
| 1 | USAA | $39.17/month |
| 2 | State Farm | $40.63/month |
| 3 | Geico | $41.10/month |
| 4 | Oregon Mutual | $44.42/month |
| 5 | Country | $44.72/month |
Cheapest car insurance for good credit in Oregon
Insurers take a lot of personal data points into consideration when determining your cost of insurance. One of those factors is your credit: Generally, people with good credit pay less for car insurance than those with lower credit scores.
The following companies have the lowest estimated rates for drivers with good credit looking for basic car insurance coverage.
5 cheapest car insurance companies in Oregon for those with good credit
| 1 | State Farm | $32.64/month |
| 2 | USAA | $33.89/month |
| 3 | Geico | $38.56/month |
| 4 | Nationwide | $38.81/month |
| 5 | Travelers | $40.35/month |
Cheapest car insurance for poor credit in Oregon
If your credit isn’t great, you may see a higher monthly premium for your car insurance. Luckily, there are other ways to lower the cost of your insurance, like maintaining a safe driving record or bundling multiple policies.
Here are the five cheapest car insurance companies for Oregon drivers with a credit score below 580 who are looking for minimum coverage.
5 cheapest car insurance companies in Oregon for those with poor credit
| 1 | Geico | $49.50/month |
| 2 | Nationwide | $65.00/month |
| 3 | Oregon Mutual | $72.04/month |
| 4 | Mutual Of Enumclaw | $78.54/month |
| 5 | Country | $78.82/month |
Cheapest car insurance for drivers with multiple claims in Oregon
Your claims history is another factor determining how much you pay for car insurance. In general, drivers with multiple claims on their record will pay more for car insurance than those with fewer or no claims.
The five following insurers have the cheapest rates on minimum coverage for drivers with multiple claims.
5 cheapest car insurance companies in Oregon for multiple claims
| 1 | General Casualty | $64.08/month |
| 2 | State Farm | $67.46/month |
| 3 | Nationwide | $75.13/month |
| 4 | Capital Insurance Group | $79.67/month |
| 5 | Oregon Mutual | $80.58/month |
Cheapest car insurance for young drivers in Oregon
Finally, your age may play a role in how much you pay for car insurance, with younger drivers typically being more expensive to insure than older drivers.
Here are the five cheapest insurers for drivers between the ages of 18 and 21 in Oregon who are looking for basic car insurance.
5 cheapest car insurance companies in Oregon for young drivers
| 1 | General Casualty | $51.92 |
| 2 | State Farm | $56.75 |
| 3 | Geico | $56.90 |
| 4 | USAA | $58.73 |
| 5 | Country | $62.33 |
Oregon auto insurance requirements
Oregon drivers are required to carry $25,000 per person and $50,000 per accident of bodily injury and uninsured motorist coverage. It also requires $20,000 per accident of property damage insurance and $15,000 per person of personal injury protection insurance, or PIP. You may be responsible for carrying additional insurance if you have a car loan or lease.
Is usage-based insurance available in Oregon?
Usage-based insurance, or UBI, is vehicle insurance that allows customers to pay premiums based on their driving behavior. Oregon drivers may be able to save money on their car insurance premiums by utilizing their insurers’ usage-based insurance program.
FAQs about the cheapest car insurance rates in Oregon
The state of Oregon is not a true no-fault state — it does require drivers to carry personal injury protection, PIP, which is also sometimes called no-fault insurance. PIP covers medical, dental and other services for you and your passengers, regardless of who caused the accident.
It is illegal to drive without car insurance in Oregon. The state requires 25/50/20 insurance.
You can lower your car insurance costs in many ways, like bundling several policies or vehicles with one insurer or lowering the amount of coverage you have, particularly on older vehicles. One of the best ways to save money on your insurance is to maintain a record of safe driving — and you could potentially save even more money by participating in a usage-based insurance program.
Methodology
This article’s estimated rates are the lowest based on the profile of a driver aged 36 to 45 living in Oregon. Unless otherwise noted, the rates displayed assume a single driver on the insurance policy with no tickets on their driving record and no claims or coverage lapses. The vehicle used in this estimate is valued between $20,000 and $30,000 and has annual mileage of 12,000 to 15,000. Estimated rates for insurance for good credit apply to scores of 720 or higher. Estimated rates for insurance for poor credit apply to scores from 350 to 579. Estimated rates for young drivers include those age 18 to 21. Estimated rates for those with multiple claims are calculated based on two claims.
Note that the rates are provided every six months by Quadrant Information Services. Quadrant Information Services doesn’t include all insurance companies in its rate data. These are estimated rates meant only to provide a frame of reference and comparison. Your rates may vary depending on various factors, such as age, vehicle driving habits and history.
The average monthly premium for full-coverage car insurance includes bodily injury, property damage, uninsured motorist, personal injury protection, collision and comprehensive coverages. The average monthly premium for state-minimum car insurance includes an Oregon-mandated 25/50/20 insurance policy.