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Oregon has stunning natural scenery and thriving cities with good food and entertainment. Thankfully for residents, Oregon’s average car insurance costs are similar to the national average. Depending on multiple factors like your driving record and age, you may be able to save more on the best car insurance in the Beaver State.
- Key takeaways
- Best car insurance companies in Oregon
- USAA: Highest customer satisfaction
- State Farm: Most affordable coverage
- Progressive: Best for high-risk drivers
- GEICO: Best for senior drivers
- Allstate: Best for coverage options
- Oregon auto insurance requirements
- How to choose a car insurance provider in Oregon
- How much does car insurance cost in Oregon?
- Oregon car insurance rates by city
- Methodology
- FAQs about car insurance costs in Oregon
Key takeaways
- The best car insurance in Oregon is State Farm, which costs $965 for comprehensive coverage.
- Drivers with a clean driving record pay an average of $132 per month in Oregon.
- Gresham drivers generally pay the most for car insurance, a monthly average of $1,986.
Best car insurance companies in Oregon
The best car insurance in Oregon is State Farm, which costs an average of $965 a year for full coverage. USAA offered the cheapest minimum liability coverage, averaging $532 a year, and earned the highest customer satisfaction score on our list.
Farmers Insurance was the most expensive option, costing an average of $2,053 for full coverage and $1,251 for minimum coverage.
| Provider | J.D. Power customer satisfaction rating | Estimated annual full coverage | Estimated annual minimum liability coverage |
| USAA | 875/1,000 | $988/year | $532/year |
| State Farm | 821/1,000 | $965/year | $593/year |
| Progressive | 807/1,000 | $1,417/year | $740/year |
| GEICO | 797/1,000 | $1,433/year | $847/year |
| Farmers | 796/1,000 | $2,053/year | $1,251/year |
| Allstate | 783/1,000 | $1,886/year | $1,171/year |
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USAA: Highest customer satisfaction
USAA earned the highest customer satisfaction score in Oregon, but its policies are only available to current and former military members and their families. It also offered the cheapest minimum coverage, averaging a yearly cost of $532. USAA offers standard policies like liability, collision, and comprehensive, but may not have some specialty policies found at other carriers.
- USAA has multiple discounts, including up to 30% off for using the SafePilot program
- It has the most affordable minimum coverage and the second most affordable full coverage in Oregon
- Only current and former military members and their families can apply for USAA policies
- You may find more discount options with a competitor
State Farm: Most affordable coverage
State Farm has the most affordable insurance in Oregon available to the general public. Its full coverage is less expensive than USAA, averaging $965 annually, and its minimum insurance is just a little higher, costing an average of $593 per year. State Farm offers standard policy options but also has some specialty coverages like rideshare and emergency roadside service.
- State Farm earned the second-highest customer service score in Oregon
- It has local agents throughout the state
- It does not have some coverage options like a vanishing deductible
- Some State Farm competitors may offer more discounts
Get a quote now | State Farm review
Progressive: Best for high-risk drivers
Progressive generally offers below-average pricing on full and minimum coverage policies to drivers in Oregon. Additionally, high-risk drivers may find it more cost-effective than other carriers. Progressive provides insurance for those with DUIs, multiple speeding tickets, or at-fault accidents, among other violations, and it can also file SR-22 forms required by the courts.
- Progressive has lower prices in Oregon than some competitors
- It has multiple coverage options, including loan/lease payoff
- Progressive earned lower customer satisfaction scores than some competitors
- Some drivers may find cheaper coverage with a different company
Get a quote now | Progressive review
GEICO: Best for senior drivers
GEICO is a more expensive option in Oregon and earned lower customer satisfaction scores than some competitors. However, GEICO offers an optional Prime Time contract, which guarantees policy renewal for people over 50. It also offers additional discounts, like being a good driver or completing a defensive driving course.
- GEICO has a long list of discounts, including up to 25% off for insuring multiple vehicles
- It offers some specialty policies like rental reimbursement coverage
- GEICO earned a low customer service score in Oregon
- It had higher pricing than many of its competitors
Get a quote now | GEICO review
Allstate: Best for coverage options
Allstate is a more expensive option in Oregon, costing an average of $1,886 per year for full coverage and $1,171 for minimum coverage. It also earned the lowest customer satisfaction scores on our list. However, Allstate offers multiple policy types, including gap coverage, a vanishing deductible, accident forgiveness, and even new car replacement policies.
- Allstate offers multiple policy discounts, including its Drivewise discount program
- It has multiple agents in Oregon
- Allstate earned the lowest customer satisfaction scores on our list
- You will likely find cheaper coverage with a competitor
Get a quote now | Allstate review
Oregon auto insurance requirements
Like most states, Oregon requires drivers to have a minimum amount of insurance to drive legally.
The minimum coverage amounts in Oregon are:
- $25,000 per person in bodily injury liability
- $50,000 per accident for bodily injury liability
- $20,000 per accident for property damage liability
- $15,000 per person in personal injury protection (PIP)
- $25,000 per person in uninsured motorist (UM)
- $50,000 per accident in uninsured motorist (UM)
How to choose a car insurance provider in Oregon
If you’re looking for new insurance in Oregon or have just moved to the state, consider the following to help you find the best car insurance carrier:
- Ensure a company pays claims: Make sure a company can pay claims by checking its financial rating using a website like AM Best. It’s also wise to confirm a company is licensed in Oregon by checking the Oregon Division of Financial Regulation or the National Association of Insurance Commissioners (NAIC).
- Compare pricing: Getting quotes from at least three insurance companies can help you ensure you’re getting the best deal. Compare the coverage amounts and add-on features each company offers against your current policy to avoid a coverage gap.
- Check discounts: Discount types and amounts vary by insurance company. As you compare quotes, check that you have received every discount you’re eligible for.
- Pay attention to reviews: Read review websites like the Better Business Bureau to see how a company responds to customer complaints. Talk to friends or family members about their recommendations, especially if you have just moved or are unhappy with your current coverage.
How much does car insurance cost in Oregon?
The average cost of car insurance in Oregon is $1,594, compared to the national average of $1,582. The minimum average cost of car insurance in Oregon is $850.
Drivers in Gresham pay the most in the state, an average of $1,986 per year. Eugene drivers pay the least, an average of $1,336.
Oregon car insurance rates by city
Where you live can dramatically affect your car insurance premium. According to analytics site NeighborhoodScout, Gresham has a high auto theft rate, and residents have a one in 97 chance of having their vehicle stolen. In Euguene, the chance of motor vehicle theft is one in 230.
| City | Avg. annual full-coverage premium |
| Gresham | $1,986/year |
| Portland | $1,829/year |
| Hillsboro | $1,718/year |
| Salem | $1,625/year |
| Bend | $1,463/year |
| Eugene | $1,336/year |
Methodology
Our analysis was conducted using six different auto insurance marketplaces to determine the best auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.
FAQs about car insurance costs in Oregon
What are the minimum car insurance coverage requirements in Oregon?
Oregon's minimum car insurance requirements are $25,000 per person and $50,000 per accident in bodily injury liability. Drivers must also have $20,000 per accident for property damage liability and $15,000 per person in personal injury protection (PIP).
Finally, Oregon drivers must carry $25,000 per person and $50,000 per accident in uninsured motorist coverage.
How much does car insurance cost in Oregon?
Insurance in Oregon costs an average of $1,594 for full coverage and $850 for minimum coverage.
Which car insurance companies cover Oregon?
Many car insurance companies cover Oregon, including USAA, State Farm, Progressive, GEICO, and Allstate.
What is the cheapest car insurance company in Oregon?
State Farm offers the cheapest full coverage car insurance, costing a yearly average of $965. The cheapest minimum liability coverage in Oregon comes from USAA, which costs an average of $532 annually.
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