How to find the cheapest car insurance quotes in Oregon
Here’s the deal: there’s no one-size-fits-all “cheapest” car insurance company out there. This is precisely why it’s crucial to analyze car insurance quotes from multiple companies to ensure you pay the most economical price for the coverage you need.
Every month, thousands of savvy car insurance shoppers in Oregon use the trusted broker Jerry Insurance Agency to seamlessly compare prices and procure a policy.
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Progressive | $310 | Sam, 72, Portland, OR | Nissan Altima | State Minimum | No |
| Bristol West | $155 | Amanda, 33, Independence, OR | Honda Civic Exl | 50/100 | Yes |
| Bristol West | $323 | Chase, 30, Cottage Grove, OR | Toyota Camry L | 50/100 | Yes |
| Progressive | $53 | Eugene, 40, Bend, OR | Chevrolet Tahoe K1500 | State Minimum | No |
| Kemper | $229 | Esther, 36, Lake Oswego, OR | Nissan Rogue S | State Minimum | Yes |
Cheapest car insurance companies in Oregon
Looking for the most budget-friendly car insurance company in Oregon? You’re in luck because Jerry carried out the most extensive survey in the nation on insurance shopping in the Beaver State.
Our survey reveals that when it comes to securing the most favorable car insurance rates, no single insurance company can definitively claim the title of the absolute best or cheapest option for every driver.
State Farm is often recognized for its competitive rates across a variety of driver profiles in Oregon, but customers we surveyed rated it just 4.4/5 for policy cost. Customers rated Infinity, Kemper, and AAA more highly for price—though overall ratings for Nationwide and Clearcover were also excellent at 5/5.
State Farm, Progressive, Farmers, Liberty Mutual, and Allstate dominate the majority of the insurance market in Oregon.
Let’s check out what real customers had to say about these companies.
| Insurance Company | Date | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|
| Amica | October 29, 2024 | 4 | “Great customer service, always willing to help.” -Ernest |
| Bristol West | October 29, 2024 | 5 | “Communication, ease of use for their app, pricing, and great value are the reasons why 5 stars. “ -Eric |
| AAA | October 23, 2024 | 3 | “California aaa is great until you move states and have to switch insurance to another state” -Inez |
| Allstate | October 22, 2024 | 5 | “Great customer service and they made it really rest to update my policies. “ -Maria |
| Dairyland | October 21, 2024 | 4 | “Pretty good experience overall but beware if you get rental coverage beware you have to cover the cost upfront.” -Rena |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Minimum car insurance requirements for liability and full coverage in Oregon
Under state law, all Oregon drivers must carry liability coverage, which includes bodily injury and property damage liability insurance. Depending on your circumstances, full coverage might be preferred to cover damage to your own vehicle.
Oregonians must also carry uninsured motorist bodily injury coverage as well as personal injury protection (PIP). Auto insurance companies will offer this coverage to you automatically.
Cheapest minimum liability coverage in Oregon
If you’re an Oregon driver, you must purchase at least the state minimum car insurance requirements for liability coverage before getting behind the wheel.
In this state, the minimum required liability coverage levels are:
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $20,000 per accident.
These coverages can be summed up as 25/50/20.
Do you need more than the minimum liability insurance coverage in Oregon?
In Oregon, it is common for drivers to seek higher liability coverage than what is mandated by the state’s minimum requirement of 30/60/25.
This is primarily because—if you cause an at-fault accident—paying for the costs of someone else’s medical expenses and car repairs could easily exceed the bare minimum limits. In other words, you’d be liable for anything above your policy’s coverage limits—and this could amount to thousands of dollars if the other party’s injuries were significant.
The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.
Cheapest full coverage Oregon auto insurance quotes
You can shield yourself from unexpected expenses by purchasing full coverage car insurance, which will cover the costs to repair or replace your own vehicle after an accident.
Full coverage includes comprehensive and collision coverage.
- Collision coverage covers the cost of collision-related damage, like fixing or replacing a car
- Comprehensive coverage pays for non-collision incidents like if your vehicle is vandalized or stolen, according to the state consumer’s guide to auto insurance
If you have financed your car, your lender will mandate collision and comprehensive coverage to protect their investment.
|
Insurance Coverage
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
|---|---|---|---|---|---|
| 50/100 | Yes | Bristol West | $155 | Amanda, 33, Independence, OR | Honda Civic Exl |
| 50/100 | Yes | Bristol West | $323 | Chase, 30, Cottage Grove, OR | Toyota Camry L |
| State Minimum | Yes | Kemper | $229 | Esther, 36, Lake Oswego, OR | Nissan Rogue S |
| State Minimum | Yes | Progressive | $422 | Keith, 27, Beaverton, OR | Hyundai Elantra Gls |
| State Minimum | Yes | Travelers | $144 | Olive, 50, Forest Grove, OR | Nissan Kicks S |
Average rates for minimum liability coverage and full coverage car insurance in Oregon
We’ve been tracking the numbers during our work with thousands of policyholders in Oregon.
Data shows that the average cost of minimum liability coverage is $138 per month or $1,659 per year. For full-coverage insurance in Oregon, the average cost is $167 per month.
On the one hand, average insurance rates can serve as a useful reference point for estimating your own insurance expenses. But every driver has a unique driving profile that will result in a unique premium based on factors like vehicle type, driving record, claims history, and demographic characteristics.
Cheapest uninsured motorist coverage quotes in Oregon
Oregon drivers must carry uninsured motorist bodily injury protection with limits that match the state liability limits—$25,000 per person and $50,000 per accident.
Cheapest personal injury protection (PIP) quotes in Oregon
Drivers in Oregon must also carry at least $15,000 of personal injury protection (PIP). That’s the limit per person involved in the accident, and PIP can cover medical expenses, lost wages, or even funeral expenses.
Oregon car insurance: Additional coverages
In addition to collision, comprehensive coverage, uninsured motorist bodily injury, and PIP, Oregon drivers may also wish to purchase other important types of car insurance:
- Medical payments
- Towing and labor (aka roadside assistance)
- Rental reimbursement coverage
- New car replacement insurance
Did you recently finance a car? Consider gap insurance, which will cover the financial gap between the remaining loan amount and the actual worth of the vehicle in the event of a total loss.
Do you rent or borrow, instead of owning your own car? Consider non-owner car insurance in Oregon. This follows you—the driver—no matter which car you’re driving. It gives you liability coverage for bodily injury and property damage you cause to others, but there’s no coverage for the vehicle you’re driving or your own injuries.
Car insurance premium by rating factors
To determine your premium, insurance companies in Oregon use a variety of factors to calculate an appropriate rate for your level of risk. While each company has its own unique formula, here are a few of the factors that matter most:
- Your driving record and claims history: If you have violations or accidents on your Oregon driving record, you’ll be charged a higher rate.
- Zip code: Zip code is an indicator of risk, and some areas are more prone to traffic accidents or car theft.
- Your make and model: If your car would cost a ton of money to repair—like if you drive a luxury or performance model—then you’ll have to pay more to insure it.
- Usage: If you drive your car infrequently, you’ll pay less. But if you use it for commuting and long-distance driving, you’ll be charged more.
Cheapest Oregon car Insurance after a driving violation
Your driving history carries substantial weight. Insurance companies thoroughly assess any previous violations—and if they identify a pattern of infractions, you’ll be labeled a high-risk driver and charged a higher rate.
Cheapest car insurance for Oregon drivers with a speeding ticket
Not all speeding tickets are the same! There are various brackets: speeding 1-10 MPH, 11-20 MPH, 21-30 MPH, and over 30 MPH over the limit.
Every instance carries a minimum fine, and every speeding ticket can affect your car insurance rates. Jerry has assisted drivers with speeding violations on record with saving money on insurance.
|
Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Speeding 6-10 | Kemper | $229 | Esther, 36, Lake Oswego, OR | State Minimum | Yes |
| Speeding 6-10 | Travelers | $75 | Chase, 42, Ashland, OR | 100/300 | Yes |
| Speeding 16-20 | Bristol West | $147 | Mabelle, 40, Springfield, OR | 100/300 | No |
| Speeding 11-15 | National General | $278 | Eleanor, 58, Salem, OR | State Minimum | Yes |
| Speeding 11-15 | Bristol West | $76 | Mildred, 39, Forest Grove, OR | State Minimum | No |
How to find cheap Oregon auto insurance after a DUI
A DUI in Oregon is a serious violation and it will trigger extremely high rates for car insurance. Some companies may even refuse you coverage.
To find a good rate for car insurance after a DUI in Oregon, it’s important to shop around and compare rates.
Oregon SR-22 insurance
Some serious violations (like DUIs) can trigger the need to file a legal document called an SR-22.
Your insurance company must file an SR-22 certificate to prove that you have the minimum required coverage to be allowed on the road. There is a cost to file this form and you cannot file it yourself.
Here are some situations that might require SR-22 filing:
- You were caught driving without insurance
- You were part of a hit-and-run
- You owned an uninsured vehicle that was involved in an accident
- You failed to pay legal damages after an accident
Cheapest Oregon auto Insurance after an at-fault accident
Your car accident history has a significant influence on your car insurance rates.
Before offering you a rate, car insurance companies must determine your level of risk. The company carefully reviews your past accidents—especially the ones where you were found at fault. If you were involved in an at-fault accident recently, there’s a high chance that your car insurance rates might shoot up.
|
Accident Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Not At Fault | Progressive | $310 | Sam, 72, Portland, OR | State Minimum | No |
| At Fault With No Injury | Kemper | $229 | Esther, 36, Lake Oswego, OR | State Minimum | Yes |
| At Fault With No Injury | Progressive | $422 | Keith, 27, Beaverton, OR | State Minimum | Yes |
| At Fault With Injury | Kemper | $117 | Eugene, 38, The Dalles, OR | State Minimum | No |
| Not At Fault | Travelers | $178 | Annie, 50, Portland, OR | 15/30 | Yes |
FAQ
-
Is Oregon a no-fault state?
Cheapest auto insurance after other violations in Oregon
Other infractions, like reckless driving and driving on a suspended license, can also contribute to the escalation of your car insurance expenses in Oregon.
Jerry has helped customers with moving violations find affordable car insurance from reputable insurers.
|
Violation
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Unsafe Operation of a Motor Vehicle | Travelers | $73 | Jason, 62, Springfield, OR | 50/100 | No |
| Careless Driving | Bristol West | $311 | Bill, 45, Gresham, OR | 50/100 | Yes |
| Failure to show documents | Bristol West | $94 | Bradley, 51, Lakeside, OR | 50/100 | Yes |
| Other Minor | Bristol West | $158 | Cecelia, 24, Warm Springs, OR | State Minimum | No |
| Other Minor | Travelers | $114 | Dean, 32, Portland, OR | State Minimum | Yes |
Cheapest Oregon auto insurance based on insurance history
Did you know that your insurance history is a key factor when it comes to determining your car insurance rates? Whether you’re presently insured or not can greatly impact the cost.
Any interruption or gap in your insurance coverage usually leads to an increase in your rates.
At Jerry, we’ve developed a system to ensure you stay in the loop. We’ll send you helpful payment reminders to notify you about upcoming payments or let you know that you’re late with a payment.
Most importantly, you can still find savings on a new policy if you are currently uninsured or have coverage lapses in your past.
Cheapest car insurance for Oregon drivers with poor credit
Drivers with unfavorable credit ratings often face higher premiums than those with good credit scores. Your credit rating doesn’t necessarily reflect your driving capabilities, but insurance companies have found that drivers with lower credit scores tend to file more claims.
The state of Oregon allows insurers to use credit scores to calculate rates when issuing a new policy but not to increase rates or cancel policies.
In Oregon, poor credit drivers (under 550) pay about 70% more for car insurance than people with high credit scores (over 750).
|
Credit Range
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| 660-750 | Bristol West | $155 | Amanda, 33, Independence, OR | Honda Civic Exl | 50/100 | Yes |
| 660-750 | Bristol West | $323 | Chase, 30, Cottage Grove, OR | Toyota Camry L | 50/100 | Yes |
| 660-750 | Progressive | $72 | Antonio, 29, Monmouth, OR | Ford Fiesta S | 50/100 | Yes |
| <550 | The General | $238 | Andrew, 68, Beaverton, OR | Toyota Camry Hybrid | State Minimum | Yes |
| 550-659 | National General | $187 | Herman, 31, Hillsboro, OR | Chevrolet Camaro Lt | State Minimum | No |
Cheapest Oregon car insurance by age
In every state, young drivers pay much higher prices for car insurance due to their lack of experience behind the wheel.
After the age of 25, rates begin to drop—until the age of 75, when they begin to rise again as risk increases due to the cognitive and physical decline associated with aging. The cheapest rates go to adults over the age of 25.
Cheapest Oregon car insurance for young drivers
Of all age groups, teens between 16 and 19 pay the highest prices for car insurance in Oregon. To protect these vulnerable drivers who are more likely to get into an accident—especially teen drivers who are driving a newer vehicle—full coverage auto insurance is a wise choice.
Learn more: The best cheap car insurance for teens
Cheapest Oregon car insurance for senior drivers
In your mid-70s, you can expect your car insurance rates to start rising for two key reasons:
- Higher risk of accident
- Higher cost to recover from an accident
The reality is that older drivers are more likely to be involved in an accident. They’re also more vulnerable to injuries in an accident, which may trigger significant medical costs.
How to find car insurance discounts in Oregon for your motor vehicle
The make and model of your vehicle is an important factor in determining your insurance rate. Every model has a unique cost of repair, set of safety features, and rate of theft.
Popular car models for Oregonians include:
- Ford F-150
- Dodge RAM 1500
- Toyota RAV4
- Toyota Tacoma
- Subaru Outback
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Toyota Rav4 | Travelers | $114 | Dean, 32, Portland, OR | State Minimum | Yes |
| Toyota Rav4 | National General | $239 | Abbie, 36, Gladstone, OR | State Minimum | Yes |
| Dodge Ram 1500 | Kemper | $59 | Dominic, 68, Warrenton, OR | State Minimum | No |
| Toyota Tacoma Access Cab | Travelers | $390 | Bettie, 31, Sandy, OR | 100/300 | Yes |
| Dodge Ram 1500 St | Bristol West | $81 | Roger, 38, Eugene, OR | 100/300 | Yes |
Learn more: How to get car insurance before buying a car
Is it cheaper to insure a new car or a used car?
In most cases, you’ll pay more to insure a newer car than an older car. Full coverage for a car older than 10 years is about $1,700, whereas a five-year-old car costs about $2,000 per year for the same coverage.
How to find cheap car insurance in Oregon in your city
Your location is a key factor for insurance companies. It represents your risk of nasty weather, vulnerability to traffic accidents, the chance of auto theft, and other crime and traffic statistics that could affect your rate.
Rates can change a lot from one zip code to another, even if they’re right next door.
Jerry Insurance Agency helps find low rates for drivers across Oregon.
|
City
|
Customer
|
Insurance Company
|
Premium (monthly)
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Portland, OR | Virgie | Progressive | $310 | Nissan Altima | State Minimum | No |
| Independence, OR | Olga | Bristol West | $155 | Honda Civic Exl | 50/100 | Yes |
| Cottage Grove, OR | Herman | Bristol West | $323 | Toyota Camry L | 50/100 | Yes |
| Bend, OR | Clifford | Progressive | $53 | Chevrolet Tahoe K1500 | State Minimum | No |
| Lake Oswego, OR | Barbara | Travelers | $165 | Nissan Rogue S | State Minimum | Yes |
How to lower the cost of car insurance in Oregon
If you’re looking to cut costs on car insurance, try one of these time-tested tips from Jerry’s team of experts:
- Compare quotes from multiple providers before buying or renewing.
- Qualify for car insurance discounts, like the safe driving discount or anti-theft device discount.
- Increase your deductible for comprehensive and collision coverage.
- Bundle your auto policy with home or renter’s coverage to get a discount.
- Enroll in a state-approved driver training course.
- Remove collision and comprehensive coverage on an older vehicle.
- Drop duplicate coverages like towing and labor (if you already have AAA).
Why is car insurance so expensive in Oregon?
Car insurance in Oregon is expensive due to several key reasons:
- High rate of uninsured drivers (more than 11%)
- Natural disasters that could damage your vehicle
- High cost of car repairs
- High population density in some areas
FAQ
-
How much is car insurance in Oregon?
-
Can you get car insurance without a license in Oregon? -
Does insurance follow the car or the driver in Oregon?
-
Is car insurance required in Oregon?
-
What is the cheapest car insurance in Oregon?
-
Why is car insurance expensive in Oregon?
-
Do you need insurance to register a car in Oregon?
-
What is the lowest form of car insurance?
-
Is insurance cheaper in Oregon?
-
Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.
Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
