Cheapest Car Insurance Quotes in Oregon (2026)
State Farm offers the cheapest liability rates in Oregon, at just $71. Shop real-time quotes for Oregon and buy your policy all in one place with Insurify.
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Lindsay VanSomerenInsurance and Personal Finance Writer
8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
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Matthew GrossEditor
Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
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Reviewed byDaniel Roccato
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Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Table of contents
- Cheap car insurance quotes in OR
- OR cheap liability-only car insurance
- OR cheap full-coverage car insurance
- Best cheap OR car insurance
- Car insurance rates in OR over time
- Oregon car insurance requirements
- Oregon car insurance rates by city
- Quotes for drivers with a clean record
- Cheap car insurance with an incident in OR
- Affordable OR insurance with an at-fault accident
- Cheap car insurance for OR drivers with a DUI
- Affordable car insurance in OR for teen drivers
- Car insurance quotes for senior drivers in OR
- Cheap car insurance with bad credit in OR
- Oregon car insurance FAQs
Table of contents
- Cheap car insurance quotes in OR
- OR cheap liability-only car insurance
- OR cheap full-coverage car insurance
- Best cheap OR car insurance
- Car insurance rates in OR over time
- Oregon car insurance requirements
- Oregon car insurance rates by city
- Quotes for drivers with a clean record
- Cheap car insurance with an incident in OR
- Affordable OR insurance with an at-fault accident
- Cheap car insurance for OR drivers with a DUI
- Affordable car insurance in OR for teen drivers
- Car insurance quotes for senior drivers in OR
- Cheap car insurance with bad credit in OR
- Oregon car insurance FAQs
Cheapest car insurance quotes in Oregon
Auto insurance is typically cheaper in Oregon compared to the rest of the country. Oregon drivers pay an average of $115 per month, compared to the national average of $136.
Liability coverage in Oregon averages $90 per month, and full coverage averages $140. The table below shows Oregon’s cheapest companies for different coverage and driver types, according to Insurify data.
Driver Category | Cheapest Insurance Company in OR | Cheapest Monthly Quote in OR |
|---|---|---|
| Overall | State Farm | $71 |
| State-minimum coverage | State Farm | $71 |
| Full coverage | Mile Auto | $88 |
| Drivers with a clean record | State Farm | $71 |
| After a speeding ticket | Mile Auto | $93 |
| After an at-fault accident | State Farm | $96 |
| After a DUI | Sun Coast | $94 |
| Teen/new drivers | State Farm | $144 |
| Seniors | State Farm | $55 |
| Bad credit | Mile Auto | $90 |
Disclaimer: Table data is based on real-time Oregon quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Cheapest liability-only car insurance in Oregon: State Farm
Oregon law requires all drivers to have a liability policy with minimum limits of 25/50/20. You also need at least $15,000 of personal injury protection (PIP) and $25,000 of uninsured motorist coverage.[1]
In Oregon, minimum coverage typically costs an average of $90 per month. But you may be able to find cheaper coverage.
If cost is your primary concern, these companies typically offer the best prices in Oregon for liability-only coverage.
The below rates in Oregon are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $71 |
| Mile Auto | $73 |
| Sun Coast | $77 |
| USAA | $84 |
| National General | $88 |
| GEICO | $90 |
| Progressive | $92 |
| Bristol West | $98 |
| Safeco | $101 |
| The General | $104 |
| Dairyland | $105 |
| COUNTRY Financial | $106 |
| Direct Auto | $119 |
| Root | $121 |
| American Family | $121 |
| Nationwide | $126 |
| Allstate | $139 |
| Farmers | $165 |
| Liberty Mutual | $168 |
| GAINSCO | $171 |
| Travelers | $203 |
Disclaimer: Table data sourced from real-time Oregon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oregon may vary based on the policy buyer's unique driver profile.
Agent Tip: Is liability-only insurance enough in Oregon?
)
Britney Balk
Customer Service Supervisor, Insurify
State-minimum car insurance usually isn’t enough coverage if you cause a serious car accident. Repair costs and medical bills can quickly exceed Oregon’s 25/50/20 limits.
Let’s say you have liability-only coverage and cause $50,000 worth of damage to another vehicle. Your insurance would cover only $20,000, and you’d have to pay the remaining $30,000 out of pocket. Higher limits and options like comprehensive and collision coverage can help protect your finances.
Cheapest full-coverage car insurance in Oregon: Mile Auto
Nearly 25% of Oregon drivers are still paying off or leasing their vehicles. Lenders generally require you to have full-coverage car insurance because it provides better protection for their investment.
For example, full coverage helps pay to fix your car if you hit a deer or cause an accident, but minimum coverage won’t.
Full coverage is usually more expensive, but some companies offer it for a reasonable price. The table below shows Oregon’s cheapest insurers for full coverage, according to Insurify data.
The below rates in Oregon are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $88 |
| State Farm | $92 |
| USAA | $109 |
| GEICO | $117 |
| COUNTRY Financial | $138 |
| Safeco | $142 |
| American Family | $157 |
| National General | $160 |
| Nationwide | $163 |
| Root | $176 |
| Allstate | $180 |
| Bristol West | $181 |
| The General | $182 |
| Sun Coast | $186 |
| Direct Auto | $186 |
| Liberty Mutual | $207 |
| Farmers | $214 |
| Dairyland | $230 |
| Travelers | $263 |
| GAINSCO | $313 |
Disclaimer: Table data sourced from real-time Oregon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oregon may vary based on the policy buyer's unique driver profile.
Cheapest recent car insurance quotes in Oregon
Drivers using Insurify have found quotes as cheap as $50/mo for liability only and $51/mo for full coverage in Oregon.
*Quotes generated for Insurify users from Oregon within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Oregon within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Best cheap car insurance companies in Oregon
Oregon drivers have no shortage of auto insurance companies to choose from. To make your search easier, we found some of the best car insurance companies in Oregon for different drivers. We picked these insurers based on a combination of their average rates, customer reviews, and coverage offered.
Mile Auto: Best for senior drivers in Oregon
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.8 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $73/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $88/mo |
4.5
Best choice in OregonBased on 193 verified driver reviews and ratings
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best in Oregon for
Low-mileage drivers
Senior drivers
Cheap full coverage
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best in Oregon for
Low-mileage drivers
Senior drivers
Cheap full coverage
Showing recent national reviews - See all 66 Mile Auto reviews
Olanrewaju
Verified Purchase
Reasonable coverage.
Reviewed in Georgia on March 17, 2026
So far, it has been very good.
Leroy
Verified Review
Why was I canceled?
Reviewed in Texas on February 9, 2026
1/14/26: Liked what I saw and purchased Auto Insurance.
1/29/26: Received an email requesting a "Physician's opinion statement." I did not see this requirement in the many pages of fine print. Was given 30 days to submit.
1/31/26: Via email, I requested information on how to cancel my policy and stated that I do not release medical data to anyone. I did not request the policy be canceled.
2/01/26: Relented.
2/03/26: Hand-delivered request to primary care doctor and made an appointment for an Ophthalmologist for 02/10/26.
2/07/26: Received a USPS letter from MileAuto stating the policy would be canceled effective 3/01/26. The reason given was that "Policy no longer meets underwriting requirements." I have no idea what requirements this refers to.
Ronald
Verified Purchase
Monthly Insurance for the Price of Takeout
Reviewed in Ohio on January 11, 2026
I don't drive much, so it makes sense to me. I feel like I would like to have more coverage than just liability. I know they offer more coverage.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Seniors make up nearly one-fifth of Oregon’s population.[2] Older drivers tend to travel fewer miles, except maybe for trips to Cannon Beach and Crater Lake.[3] If you drive less than 10,000 miles per year, Mile Auto could be cheaper than a typical car insurance premium. The company offers pay-per-mile insurance, so you pay only for the miles you drive.
Pros
Cheap rates in Oregon
Pay only for the miles you drive, plus a monthly base rate
Doesn’t require you to install any devices in your car
Cons
Must submit odometer photos every month
Doesn’t offer as many discounts as some competitors
Smaller company with fewer customer reviews
State Farm: Best for cheap rates in Oregon
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $71/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $92/mo |
4.0
Best choice in OregonBased on 16,551 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Oregon for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Oregon for
Customer service
Competitive rates
Discounts for safe drivers
Showing 30 reviews from Oregon drivers - See all 7,299 State Farm reviews
Gloria
Verified Review
Friendly staff
Reviewed in Oregon on March 11, 2026
Very polite and friendly staff. They always answer my questions.
Lee
Verified Review
Excellent
Reviewed in Oregon on March 10, 2026
A little higher than some, but I’ve never had to use it, which is a blessing.
Trudi
Verified Review
Best Coverage for the Best Cost
Reviewed in Oregon on March 8, 2026
My agent is easy to get in contact with and has always been helpful with whatever questions or concerns I have had.
Beverly
Verified Review
Very rough for a widow of almost 86.
Reviewed in Oregon on February 9, 2026
Claims are fast, and the local agent Aaron is very helpful. However, the prices are way too high for a widow on social security only, which is why I have to look for cheaper insurance. How can I afford $928.00 for 6 months? I can't, but I'm sorry when I only make $1,728.00 a month.
Nadine
Verified Review
Quick and easy although until I verify a few things
Reviewed in Oregon on February 8, 2026
I always refer friends to State Farm; they've always had my back.
Deborah
Verified Review
Frustrated with Policy Cancellation
Reviewed in Oregon on January 27, 2026
They are canceling my policy, so I'd give them a zero! I've had a great record for 50 years. No tickets, no accidents, always paid on time, good credit score, CDL for 30 years. I had an accident where I was an innocent bystander. It totaled my car of 18 years. It hurt! Then I got a different car, and it got keyed. So I turned it in. Had no idea it was strike three, you're out. I'm hurt, I'm angry. I paid $93 a month for full coverage, including renters. Now I'm looking at $400 a month or just liability. No renters! I won't ever refer anyone to them. I've taken two sons and my granddaughter. I hope they go elsewhere. Everyone says State Farm is notorious for this.
Bruce
Verified Review
I am paying too much for the miles I drive.
Reviewed in Oregon on January 18, 2026
The insurance is great; no other company can beat it. I just think I'm paying too much for the miles I drive per year. I only drive under 5,000 miles a year, and I am paying for 15,000 miles or more for a year.
Cathie
Verified Review
Excellent
Reviewed in Oregon on January 8, 2026
Could use lower cost.
Judy
Verified Review
Good
Reviewed in Oregon on January 3, 2026
Average insurance, higher price, and no first accident forgiveness.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is the largest insurer in Oregon, covering 20% of all passenger cars in the state.[4] It’s a good choice if you want to work with a local company, as there’s an insurance agent in nearly every community in the Beaver State.
Pros
Cheap average rates for Oregon drivers
Highly rated for customer satisfaction in the Pacific Northwest region
Fewer customer complaints than average
Cons
Accident forgiveness not available
Poor Truspilot reviews
Fined in 2024 by the Oregon Division of Financial Regulation[5]
USAA: Best for veterans in Oregon
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $84/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $109/mo |
4.9
Best choice in OregonBased on 3,317 verified driver reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Oregon for
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Oregon for
Members of the military community
Outstanding customer service
Competitive rates
Showing 12 reviews from Oregon drivers - See all 1,517 USAA reviews
Scott
Verified Review
USAA Customer
Reviewed in Oregon on March 16, 2026
Two accidents in the last 18 months - USAA has been very supportive, timely, and understanding. Staying with them.
Betsy
Verified Review
Positive!
Reviewed in Oregon on March 4, 2026
I sent a friend to them who had trouble with other companies. She was very grateful when they insured her right away! They've been awesome in the past with claims, responding immediately and without a lot of questions.
Tracy
Verified Review
Excellent!
Reviewed in Oregon on January 4, 2026
USAA has been great! The process was lengthy on my complex claim, but overall splendid!
Timothy
Verified Review
Poor company, unhelpful
Reviewed in Oregon on October 8, 2025
Find someone else. They charge more for nothing and will raise your rates for anything, even if it’s not your fault.
Richard
Verified Review
Great insurance company but strict standards
Reviewed in Oregon on September 21, 2025
Excellent. They are an outstanding insurance company. It is my financial difficulties that caused the problems with USAA and their major increase in premiums. Otherwise, I would not even be looking for alternate coverage.
Marlon
Verified Review
Don't let them hook you
Reviewed in Oregon on June 15, 2025
Don't renew with USAA the first year. Go to another company for the first 6 months after your USAA policy expires. Then, when that one expires, check back with USAA for the following 6-month period. USAA will give a better rate when you come back than they would have if you had stayed with them all along.
Timothy
Verified Review
The Old Bait and Switch
Reviewed in Oregon on June 10, 2025
There's no flexibility, and if you miss your first payment by a day, they will cancel your policy. Then, they make you get a new quote and double the price for half the coverage. It's unbelievable that they treat veterans and their families like that.
Richard
Verified Review
Best insurance out there but getting a little pricier
Reviewed in Oregon on May 11, 2025
Simply outstanding. The best auto insurance on the planet. But their prices have been going up.
George
Verified Review
High Rates for Veterans
Reviewed in Oregon on May 9, 2025
I am a decorated Air Force veteran with no tickets or accidents in over 50 years, and I was charged $1400 for six months for full coverage. This seems very high for someone with my record.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Oregon doesn’t have as many active-duty military personnel as other states. But almost 250,000 veterans live in the state. Along with family members and certain federal employees, these current and former military members are eligible to buy a car insurance policy through USAA. Aside from low rates and high-quality service, the company offers plenty of military-specific benefits.
Pros
Highly rated digital service and mobile app
SafePilot program helps low-mileage drivers save money
A++ (Superior) financial strength rating from AM Best
Cons
Doesn’t have any offices in Oregon
Policies available only to military members and their families
Poor Trustpilot rating
How car insurance costs in Oregon have changed
Insurify data experts predict Oregon’s car insurance prices will increase by 0.8% in 2026 for full-coverage policies. That’s right in line with estimates for nationwide price increases. Factors like tariffs and rising repair costs are driving these price hikes.
That said, Oregon is actively investing in new wildlife passages. These corridors help reduce vehicle collisions, which in turn lowers car insurance prices. One group of corridors just south of Bend reduced wildlife collisions by 85% in the first five years after installation.[6]
Average car insurance costs in Oregon over time
The graph below shows how much the average cost of car insurance in Oregon has changed over the past five years, according to Insurify data.
Average Oregon Car Insurance Rates Over the Past Five Years
Rates in this chart are five-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Compare Oregon Auto Insurance Rates
Find the coverage you need, starting at $71 per month
Excellent
4.7 out of 5 based on 13,041 reviews
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Oregon car insurance requirements
Like most states, Oregon requires drivers to have a minimum amount of car insurance. In addition to liability coverage, Oregon drivers must also have personal injury protection (PIP) and uninsured motorist coverage. The table below shows Oregon’s car insurance requirements.
Coverage Type | Minimum Requirement |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $20,000 per accident |
| Personal injury protection (PIP) | $15,000 per person |
| Uninsured motorist coverage | $25,000 per person / $50,000 per accident |
Disclaimer: Table data is based on real-time Oregon quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
PIP helps pay for medical bills for you and any of your passengers after an accident. Uninsured motorist coverage helps pay for repairs if a driver without insurance hits your car.
Car insurance rates across Oregon cities
Auto insurance rates can vary across Oregon. The risks you face on the rainy western side are a lot different from those in the dusty eastern part of the state. And the risk of an accident is higher in cities like Portland and Salem than in more out-of-the-way areas, like Medford and Grants Pass.
The table below shows average car insurance rates for different cities in Oregon, according to Insurify data.
City | Average Monthly Quote |
|---|---|
| Beaverton | $147 |
| Corvallis | $100 |
| Eugene | $115 |
| Grants Pass | $106 |
| Medford | $105 |
| Portland | $166 |
| Salem | $147 |
| Springfield | $112 |
Disclaimer: Table data is based on real-time Oregon quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Car insurance quotes in Oregon for drivers with a clean record: State Farm
Practicing safe driving habits has its perks. In Oregon, drivers with a clean record usually pay less for car insurance.
State Farm offers the cheapest liability rates for Oregon drivers with a clean record, at $71 per month.
The table below shows average rates for safe drivers, according to Insurify data.
The below rates in Oregon are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $67 |
| Mile Auto | $69 |
| Sun Coast | $76 |
| National General | $79 |
| USAA | $79 |
| GEICO | $88 |
| Progressive | $91 |
| Bristol West | $94 |
| Dairyland | $96 |
| The General | $96 |
| COUNTRY Financial | $98 |
| Safeco | $105 |
| Direct Auto | $111 |
| American Family | $116 |
| Nationwide | $117 |
| Root | $119 |
| Allstate | $136 |
| Farmers | $154 |
| GAINSCO | $159 |
| Liberty Mutual | $172 |
| Travelers | $190 |
Disclaimer: Table data sourced from real-time Oregon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oregon may vary based on the policy buyer's unique driver profile.
Cheapest car insurance in Oregon for drivers with a speeding ticket: Mile Auto
Almost 5% of drivers in Oregon have a speeding ticket, Insurify data shows. Depending on how fast you were going, you can be fined at least $130 for speeding in Oregon.[7] You may also have to appear in court. Auto insurance companies generally raise your rates after a ticket because you’re more likely to cause an accident.
Mile Auto has the most affordable coverage for Oregon drivers with a recent ticket. Its liability rates average $93 per month.
The table below shows average rates for Oregon drivers with speeding tickets.
The below rates in Oregon are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $93 |
| State Farm | $94 |
| Sun Coast | $105 |
| USAA | $113 |
| National General | $114 |
| GEICO | $123 |
| Progressive | $126 |
| Bristol West | $129 |
| Dairyland | $137 |
| Safeco | $139 |
| The General | $145 |
| COUNTRY Financial | $151 |
| Direct Auto | $155 |
| American Family | $164 |
| Root | $168 |
| Nationwide | $171 |
| Allstate | $189 |
| GAINSCO | $213 |
| Farmers | $221 |
| Liberty Mutual | $223 |
| Travelers | $275 |
Disclaimer: Table data sourced from real-time Oregon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oregon may vary based on the policy buyer's unique driver profile.
Affordable car insurance in Oregon with an at-fault accident: State Farm
Nearly 5% of drivers in Oregon have an at-fault accident on their driving record, according to Insurify data Oregon requires drivers to report accidents if there are any injuries or damages exceeding $2,500.[8]
Oregon drivers with an at-fault accident on their record pay a monthly average of $124 for a liability policy.
But many insurers still offer affordable coverage after an accident. The table below shows average quotes for Oregon drivers with a recent at-fault accident, according to Insurify data.
The below rates in Oregon are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $96 |
| Mile Auto | $100 |
| Sun Coast | $106 |
| USAA | $115 |
| GEICO | $119 |
| National General | $119 |
| Progressive | $126 |
| Bristol West | $131 |
| Dairyland | $142 |
| Safeco | $144 |
| The General | $146 |
| COUNTRY Financial | $148 |
| Root | $165 |
| Direct Auto | $165 |
| American Family | $165 |
| Nationwide | $173 |
| Allstate | $190 |
| GAINSCO | $223 |
| Farmers | $224 |
| Liberty Mutual | $228 |
| Travelers | $278 |
Disclaimer: Table data sourced from real-time Oregon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oregon may vary based on the policy buyer's unique driver profile.
Cheap car insurance quotes for Oregon drivers with a DUI: Sun Coast
If you have a driving under the influence (DUI) conviction on your record in Oregon, you can have your license suspended for one year and face more than $6,000 in fines.[9] Since insurers will consider you a high-risk driver, you’ll typically pay much higher rates, and some companies might refuse to offer you car insurance coverage at all.
Oregon drivers with a DUI pay monthly averages of $110 for liability policies and $171 for full-coverage policies.
The table below shows average rates for Oregon drivers with a DUI, according to Insurify data.
The below rates in Oregon are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Sun Coast | $94 |
| State Farm | $96 |
| Mile Auto | $99 |
| Progressive | $113 |
| USAA | $114 |
| National General | $119 |
| GEICO | $120 |
| Bristol West | $133 |
| COUNTRY Financial | $138 |
| The General | $141 |
| Dairyland | $142 |
| Safeco | $146 |
| Direct Auto | $161 |
| Root | $164 |
| American Family | $164 |
| Nationwide | $171 |
| Allstate | $188 |
| Farmers | $224 |
| Liberty Mutual | $228 |
| GAINSCO | $232 |
| Travelers | $275 |
Disclaimer: Table data sourced from real-time Oregon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oregon may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an SR-22 in Oregon: State Farm
Oregon might require your insurance company to file an SR-22 form after a serious traffic violation. You typically need an SR-22 if you have a DUI conviction or cause an accident without having insurance.[10] Oregon requires drivers to maintain an SR-22 for three years.
Not all Oregon insurers offer SR-22 filing, so you may have limited coverage options. Here’s how much companies charge drivers who need an SR-22, according to Insurify data.
The below rates in Oregon are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $85 |
| Mile Auto | $88 |
| Sun Coast | $93 |
| USAA | $101 |
| National General | $106 |
| GEICO | $108 |
| Progressive | $111 |
| Bristol West | $118 |
| Safeco | $122 |
| The General | $125 |
| Dairyland | $126 |
| COUNTRY Financial | $128 |
| Direct Auto | $143 |
| Root | $146 |
| American Family | $146 |
| Nationwide | $152 |
| Allstate | $167 |
| Farmers | $199 |
| Liberty Mutual | $202 |
| GAINSCO | $206 |
| Travelers | $244 |
Disclaimer: Table data sourced from real-time Oregon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oregon may vary based on the policy buyer's unique driver profile.
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Cheapest car insurance for teen drivers in Oregon: State Farm
Oregon teens caused 10% of car crashes in 2024, according to the Oregon Department of Transportation (ODOT).[11] That’s partly why teens pay some of the highest insurance rates.
Oregon teens pay an average of $230 per month for car insurance. But some insurers offer affordable policies for younger drivers.
Here are the average car insurance rates for teens in Oregon, according to Insurify data.
The below rates in Oregon are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $144 |
| Sun Coast | $154 |
| Mile Auto | $157 |
| USAA | $163 |
| GEICO | $169 |
| COUNTRY Financial | $180 |
| Progressive | $184 |
| Bristol West | $184 |
| National General | $186 |
| Dairyland | $190 |
| The General | $192 |
| Safeco | $213 |
| Root | $220 |
| Direct Auto | $240 |
| American Family | $240 |
| Nationwide | $258 |
| Allstate | $288 |
| Liberty Mutual | $312 |
| GAINSCO | $328 |
| Farmers | $344 |
| Travelers | $441 |
Disclaimer: Table data sourced from real-time Oregon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oregon may vary based on the policy buyer's unique driver profile.
Cheap car insurance quotes in Oregon for senior drivers: State Farm
Older drivers usually have more driving experience, which leads to lower rates. But senior drivers in Oregon caused 12% of car accidents statewide in 2024, according to ODOT. Mental and physical decline can increase the risk of accidents and insurance rates.
Senior drivers in Oregon pay a monthly average of $97 for auto insurance.
Here are the cheapest insurance companies for senior drivers in Oregon.
The below rates in Oregon are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $55 |
| Mile Auto | $57 |
| Sun Coast | $65 |
| USAA | $67 |
| National General | $68 |
| GEICO | $71 |
| Progressive | $78 |
| Bristol West | $81 |
| COUNTRY Financial | $83 |
| The General | $87 |
| Safeco | $87 |
| Dairyland | $88 |
| Nationwide | $95 |
| Direct Auto | $95 |
| American Family | $96 |
| Root | $100 |
| Allstate | $111 |
| Farmers | $129 |
| Liberty Mutual | $139 |
| GAINSCO | $144 |
| Travelers | $160 |
Disclaimer: Table data sourced from real-time Oregon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oregon may vary based on the policy buyer's unique driver profile.
Oregon car insurance quotes with bad credit: Mile Auto
Oregon allows insurers to use your credit history when setting your rates. Oregon also gives you the right to ask your insurance company to check your credit every year. If your credit improves, your insurer must lower your rates. If your credit hasn’t improved — or it has gotten worse — your insurer can’t raise your rate based on your credit.
Mile Auto has the cheapest rates for Oregon drivers with poor credit, at $90 per month for liability coverage.
The table below shows average rates for Oregon drivers with poor credit, according to Insurify data.
The below rates in Oregon are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $90 |
| Sun Coast | $96 |
| State Farm | $102 |
| USAA | $103 |
| National General | $108 |
| GEICO | $111 |
| Progressive | $115 |
| Bristol West | $121 |
| Safeco | $124 |
| COUNTRY Financial | $127 |
| The General | $128 |
| Dairyland | $129 |
| American Family | $145 |
| Direct Auto | $147 |
| Root | $149 |
| Nationwide | $155 |
| Allstate | $171 |
| Liberty Mutual | $201 |
| Farmers | $203 |
| GAINSCO | $211 |
| Travelers | $250 |
Disclaimer: Table data sourced from real-time Oregon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oregon may vary based on the policy buyer's unique driver profile.
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Oregon car insurance FAQs
Below, we answered some common questions from Oregon drivers about car insurance in the Beaver State.
How much is car insurance in Oregon?
Car insurance in Oregon costs an average of $115 per month, Insurify data shows. Liability-only insurance averages $90 per month, and full coverage averages $140 per month.
Which company has the cheapest car insurance in Oregon?
State Farm has the cheapest car insurance in Oregon. Its liability rates average $71 per month. But how much you pay for car insurance depends on many factors, including your age, location, and driving record.
What are the best car insurance companies in Oregon?
State Farm, Mile Auto, and USAA are some of the best car insurance companies in Oregon, according to Insurify. These three insurers offer affordable rates, quality coverage options, and good customer service for Oregon drivers.
How can you get cheaper car insurance in Oregon?
You have a few ways to get cheaper car insurance in Oregon. Comparing auto insurance quotes from multiple insurers can ensure you get the best price for your coverage. Asking your insurer about any available discounts can also lower your premium. Oregon residents can request a rate re-pricing once per year, which can help if your credit has improved.
Is Oregon a no-fault state?
No. Oregon is an at-fault state. That means you must pay for any damage you cause to people, their cars, and their property. After an accident, the police will determine who was at fault. If the accident was your fault, your insurance will help cover the cost of the damage.
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Oregon Driver and Motor Vehicle Services. "Minimum Insurance Requirements."
- U.S. Census Bureau. "QuickFacts: Oregon; United States."
- Insurance Information Institute. "Senior driving safety and insurance tips."
- National Association of Insurance Commissioners. "2024 Market Share Reports For Property/Casualty Groups and Companies by State and Countrywide."
- Oregon Division of Financial Regulation. "Oregon Division of Financial Regulation encourages consumers to check with their insurance carriers about lowering premiums if credit improves."
- Oregon Department of Transportation. "Wildlife Crossing HB 2834 Legislative Report."
- Oregon Municipal Court. "Traffic Offenses – Insurance Proof Required."
- Oregon Department of Transportation. "Collision Reporting and Responsibilities."
- Oregon State Bar. "Driving Under the Influence of Intoxicants."
- Oregon Driver & Motor Vehicle Services. "What is an SR-22 Certificate?."
- Oregon Department of Transportation. "Crash Data Viewer."
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Lindsay VanSomerenInsurance and Personal Finance Writer
8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
Featured in
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
Matthew GrossEditor
Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.