Cheapest Insurance in Oregon 2021

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  • Minimum coverage
  • Additional coverage
  • Minimum coverage carriers
  • Full coverage
  • Full coverage carriers
  • Cost by age
  • Poor driving record insurance
  • Carriers for poor driving record
  • Young drivers poor driving record insurance
  • Young drivers carriers for poor driving record
  • Discounts
  • Cost by car make
  • Cost by city
  • Lower costs
  • Methodology
Oregon isn’t very densely populated, but with fairly high minimum insurance requirements and the potential for devastating forest fires, premiums in Oregon tend to sit around the national average. If you’re looking for the best deal, you’ll definitely want to shop around.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Oregon And if you want to learn more about car insurance rates in Oregon, keep reading.
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Here’s how much real Jerry customers saved in Oregon when they compared and switched.
Quote DateMake/modelcityAgeCarrierCoverage Type
Before Jerry
After Jerry
August 15, 2021Honda Accord EXPortland63Bristol WestCurrent$250/mo.$102/mo.
May 13, 2021Jeep Cherokee LimitedPortland37TravelersCurrent$213/mo.$114/mo.
September 23, 2020Volkswagen Passat SELMcminnville46NationwidePreferred$200/mo.$162/mo.
May 18, 2021Dodge Grand Caravan SXTPortland35DairylandCustom$250/mo.$191/mo.
April 13, 2021BMW X1 Sdrive28IPortland28SafecoPredicted$293/mo.$262/mo.
Using Jerry to view quotes from multiple providers is the best way to find cheap car insurance in Oregon.

Cheapest minimum coverage car insurance in Oregon

The minimum required insurance coverage varies depending on your state laws. In Oregon, drivers must have the following:
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident
  • $15,000 personal injury protection
  • $25,000 per person and $50,000 per accident uninsured motorist coverage bodily injury
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Oregon:
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After Jerry
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Additional coverages you might want to consider when shopping for car insurance in Oregon

Risk factorCoverage to consider
WildfiresOregon has a destructive wildfire season each year. Comprehensive insurance covers your vehicle for any damage incurred as a result of a forest fire.
Rising accident ratesCollision insurance protects your vehicle. It covers repairs of any damage incurred as the result of an accident with another vehicle.
You must meet the minimum insurance requirements to drive in Oregon, but securing more than the minimum is usually a good idea.

Best carriers for minimum coverage car insurance in Oregon

Driving without insurance in Oregon comes with serious penalties if you’re caught. You’ll be subject to a fine of up to $1,000, license and registration suspension, possible vehicle impoundment, and a 3-year SR-22 requirement. You will also need to provide proof of compliance for monthly insurance verification for three years.
Comparing rates with different insurers can help you find the most affordable coverage so that you don’t have to go without.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Oregon:
Insurance Company
Before Jerry
After Jerry
National General$2,004$1,388

Cheapest full coverage car insurance in Oregon

Securing more than just the minimum required coverage is usually a good idea. It provides peace of mind and better protects you financially.
Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident—which means it could end up costing less in the long run.
Full coverage car insurance policies generally include:
If you decide that full coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay:
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After Jerry
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Best carriers for full coverage car insurance in Oregon

If you’re looking for the most affordable rate for full coverage car insurance, comparing multiple providers is the easiest and most efficient way to make a decision. Here’s how much Jerry customers pay for full coverage car insurance with various carriers in Oregon:
Insurance Company
Before Jerry
After Jerry
National General$1,410$1,194
Full coverage insurance may cost more upfront, but it offers greater financial protection and can save you a lot in the long run.

Cost to insure your car in Oregon by age

Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
Stats show that in Oregon, that teens age 15–20 without driver education are responsible for 91% of all teen driver crashes. Distracted driving, speeding, and seatbelt non-use are all common issues among teenage drivers.
This added risk is why insurers charge higher premiums to young drivers.
But if you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Age Group
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Cost of insurance for drivers in Oregon with a bad driving record

Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
Serious driving violations may remain on your record for life in Oregon—and when insurance companies run a check of your driving history, they’ll see these convictions and set premiums that reflect this higher risk.
The good news is that Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,553$1,746
Defective Equipment$4,716$1,500
Careless Driving$2,537$1,698
Wrong Way/Wrong Lane$2,400$1,808
Speeding over 15$2,815$1,999
Failure to Obey Traffic Sign$2,730$2,072
Driving on Sus. License$3,451$2,100
Speeding under 15$3,102$2,160

Best carriers for drivers with infractions in Oregon

Insurance Company
Before Jerry
After Jerry
National General$2,792$2,044
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Cost of insurance for young drivers in Oregon with a bad driving record

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
This is because insurance companies must take on added risk to insure you. The more likely they are to have to pay out for a claim, the more they charge for your insurance premium.
Thankfully, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,982$2,000
Speeding over 15$2,813$1,748
Speeding under 15$3,650$2,417
Failure to Obey Traffic Sign$4,371$2,678
Cell Phone$3,180$3,021
Driving on Sus. License$5,027$3,106
Illegal Turn$3,308$3,192
If you’re looking for the most affordable insurance for a young driver with a not-so-great driving record in Oregon, check out these top carriers.

Best carriers for young drivers with infractions in Oregon

Insurance Company
Before Jerry
After Jerry
National General$3,026$2,051
Young drivers are already deemed higher risk by insurers, and a moving violation only adds to this. Comparing rates from various providers can help find the most affordable premiums.
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Types of discounts that might be available to you in Oregon

Never underestimate a good discount! If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Oregon.
Here are some to keep an eye out for:
  • Customer loyalty (e.g., bundling, early renewal)
  • Demographic (e.g., good student, senior)
  • Driver affiliations (e.g., military, affinity)
  • Driving history (e.g., accident-free, safe driver)
  • Driver training (e.g., defensive driver course)
  • Equipment-related (e.g., anti-theft, new car)
  • Payment (e.g., auto-pay, paperless)
Discount typeWho is eligible?
Driver training discountYoung drivers who have successfully completed a state-approved driver training course may be eligible for a discounted premium.
Mature driver discountDrivers over the age of 55 who have completed an approved defensive driving course within the last three years receive lower car insurance rates.
Multi-policy discountIf you insure multiple products with the same insurance company, you’ll often receive up to 12% off each one.
Anti-theft discountAnti-theft discount: equipping your vehicle with an approved anti-theft device makes it less risky to insure and can lower your rates.
If you’re not sure which discounts might apply to you, worry not. Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
Most customers are eligible for some kind of discount on their premium, but you may need to ask your insurance company which ones you qualify for.

How much does it cost to insure my car make in Oregon?

The Subaru Outback is one of the most popular cars in Oregon, which seems like the perfect fit for the outdoorsy Pacific Northwest. And luckily for Oregonians, it’s also one of the most affordable cars to purchase insurance for.
Generally speaking, relatively inexpensive cars are typically the cheapest to insure since they cost less to repair in the event of an accident.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Make / model
Before Jerry
After Jerry
Honda Accord EX$2,764$1,577
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Cheapest car insurance in Oregon by city

Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Oregon doesn’t have a high population density or many large city centers, so accident risks remain fairly low. These factors typically help keep insurance premiums down. But Oregon rates hover around the national average, due mainly to higher-than-average minimum insurance requirements.
That said, rates vary within the state depending on a number of local factors. Here are the top 10 cheapest cities for car insurance in Oregon:
Before Jerry
After Jerry
Oregon City

Additional ways to lower your car insurance

To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium — but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Get the lowest rate possible by choosing a vehicle with good safety ratings, driving safely, qualifying for discounts, and comparing rates with a smart tool like Jerry.
Want to find out if you’re overpaying? Let Jerry do the work for you.


Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.

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