Nationwide offers the cheapest auto insurance rates in Oregon at $953 a year or $79 monthly, on average.
Cheap isn’t everything, and an Insurance.com analysis of rates, complaints, and financial stability found Geico to be the best insurance company in Oregon.
Many factors go into your insurance premium. Insurance companies use your driving record, the type of car you drive, and the coverage you select to determine your annual car insurance cost.
Read on to compare Oregon insurance rates by company, age, and more.
Key takeaways
- Geico is the best car insurance company in Oregon overall, with below-average rates and a low complaint ratio.
- Nationwide is the cheapest car insurance company in Oregon at $953 per year.
- State Farm has the cheapest rates for teen and adult drivers in Oregon.
- Average cost of car insurance in Oregon
- Best car insurance companies in Oregon
- Cheapest car insurance companies in Oregon
- Cheapest car insurance cost in Oregon by age
- Cheapest car insurance companies in Oregon by driver profile
- Compare auto insurance rates by city in Oregon
- Compare auto insurance rates with other states
- Methodology
Average cost of car insurance in Oregon
The average car insurance rate in Oregon is $1,217 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For state minimum coverage, the average annual cost in Oregon is $535.
Best car insurance companies in Oregon
Geico is the best car insurance company in Oregon, based on a 2023 analysis by Insurance.com, with an overall rating of 4.94. USAA is the best auto insurance company in Oregon if you qualify for a policy.
Below is a full list of the top Oregon insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Insurance company | AM Best | Average annual rate | NAIC Complaint ratio | Insurance.com score |
|---|---|---|---|---|
| Geico | A++ | $ 957 | 0.77 | 4.94 |
| USAA* | A++ | $ 1,020 | 0.99 | 4.78 |
| State Farm | A++ | $ 957 | 0.52 | 4.69 |
| Nationwide | A+ | $ 953 | 0.66 | 4.67 |
| Auto-Owners | A++ | $ 1,130 | 0.64 | 4.65 |
| Travelers | A++ | $ 1,154 | 1.03 | 4.52 |
| Progressive | A+ | $ 1,345 | 0.73 | 3.93 |
| American Family | A | $ 1,283 | 0.57 | 3.78 |
| Farmers | A | $ 1,416 | 0.77 | 3.49 |
| Allstate | A+ | $ 1,712 | 0.95 | 3.21 |
USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in Oregon
Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered price quotes from all the major insurance providers in Oregon and put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, Nationwide is the cheapest auto insurance company in Oregon, with average rates of $953 annually or $79 a month, on average, for full coverage.
| Company | State minimum | 50/100/50 liability only | 100/300/100 liability with $500 comp/coll deductible |
|---|---|---|---|
| Nationwide | $ 585 | $ 570 | $ 953 |
| State Farm | $ 404 | $ 454 | $ 957 |
| Geico | $ 313 | $ 364 | $ 957 |
| USAA* | $ 405 | $ 453 | $ 1,020 |
| Auto-Owners | $ 438 | $ 470 | $ 1,130 |
| Travelers | $ 513 | $ 566 | $ 1,154 |
| American Family | $ 707 | $ 739 | $ 1,283 |
| Progressive | $ 585 | $ 628 | $ 1,345 |
| Farmers | $ 636 | $ 716 | $ 1,416 |
| Kemper Insurance | $ 624 | $ 699 | $ 1,460 |
| Allstate | $ 669 | $ 716 | $ 1,712 |
USAA offers car insurance only to military members, veterans and their families.
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Cheapest car insurance cost in Oregon by age
In Oregon, car insurance rates are higher for teenagers as they’re more likely to be involved in an accident.
State Farm offers the cheapest car insurance for teen drivers in Oregon at $2,753 per year for a full coverage policy.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In Oregon, State Farm offers the cheapest full-coverage car insurance for adult drivers at $967 per year. Geico offers the cheapest full coverage insurance for senior drivers at $888 per year.
| Age (group) | Company Group | Avg. Annual Premium |
|---|---|---|
| Teens (16-19) | State Farm | $ 2,753 |
| Teens (16-19) | Auto-Owners | $ 3,052 |
| Teens (16-19) | Geico | $ 3,136 |
| Teens (16-19) | USAA | $ 3,204 |
| Teens (16-19) | American Family | $ 3,331 |
| Teens (16-19) | Kemper Insurance | $ 3,832 |
| Teens (16-19) | Travelers | $ 3,836 |
| Teens (16-19) | Nationwide | $ 3,891 |
| Teens (16-19) | Allstate | $ 6,019 |
| Teens (16-19) | Farmers | $ 7,179 |
| Teens (16-19) | Progressive | $ 7,376 |
| Young Adults (20-24) | State Farm | $ 1,544 |
| Young Adults (20-24) | Geico | $ 1,550 |
| Young Adults (20-24) | USAA | $ 1,662 |
| Young Adults (20-24) | Nationwide | $ 1,749 |
| Young Adults (20-24) | Travelers | $ 1,832 |
| Young Adults (20-24) | Auto-Owners | $ 1,883 |
| Young Adults (20-24) | American Family | $ 1,885 |
| Young Adults (20-24) | Farmers | $ 1,941 |
| Young Adults (20-24) | Progressive | $ 2,408 |
| Young Adults (20-24) | Allstate | $ 2,533 |
| Young Adults (20-24) | Kemper Insurance | $ 2,654 |
| Adults (25-55) | State Farm | $ 967 |
| Adults (25-55) | Nationwide | $ 985 |
| Adults (25-55) | Geico | $ 1,042 |
| Adults (25-55) | USAA | $ 1,045 |
| Adults (25-55) | Travelers | $ 1,179 |
| Adults (25-55) | Auto-Owners | $ 1,229 |
| Adults (25-55) | American Family | $ 1,302 |
| Adults (25-55) | Farmers | $ 1,435 |
| Adults (25-55) | Progressive | $ 1,438 |
| Adults (25-55) | Kemper Insurance | $ 1,487 |
| Adults (25-55) | Allstate | $ 1,763 |
| Seniors (60-75) | Geico | $ 888 |
| Seniors (60-75) | Nationwide | $ 905 |
| Seniors (60-75) | State Farm | $ 928 |
| Seniors (60-75) | USAA | $ 1,043 |
| Seniors (60-75) | Auto-Owners | $ 1,135 |
| Seniors (60-75) | Travelers | $ 1,151 |
| Seniors (60-75) | American Family | $ 1,276 |
| Seniors (60-75) | Farmers | $ 1,447 |
| Seniors (60-75) | Progressive | $ 1,476 |
| Seniors (60-75) | Kemper Insurance | $ 1,663 |
| Seniors (60-75) | Allstate | $ 1,769 |
USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in Oregon by driver profile
Drivers with accidents or tickets are considered a higher risk and will pay higher car insurane rates.
However, the severity and frequency of the incidents also affects insurance rates. For instance, drivers with a single minor accident will see a smaller increase in their rates compared to those with multiple major accidents.
Below are average Oregon rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Ticket |
|---|---|---|---|
| Geico | $ 1,010 | $ 1,952 | $ 1,596 |
| USAA* | $ 1,135 | $ 1,772 | $ 1,479 |
| Nationwide | $ 1,201 | $ 2,050 | $ 1,590 |
| State Farm | $ 1,230 | $ 1,591 | $ 1,350 |
| Auto-Owners | $ 1,363 | $ 1,816 | $ 1,659 |
| Travelers | $ 1,413 | $ 2,043 | $ 2,108 |
| Progressive | $ 1,524 | $ 2,632 | $ 2,172 |
| American Family | $ 1,664 | $ 2,309 | $ 2,172 |
| Kemper | $ 1,802 | $ 2,590 | $ 2,342 |
| Farmers | $ 1,838 | $ 2,637 | $ 2,540 |
| Allstate | $ 1,889 | $ 3,091 | $ 2,241 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in Oregon
Auto insurance rates in your city can vary significantly due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers and consider these local factors to find the most competitive rates for your specific city in Oregon.
| City | Annual insurance premium |
|---|---|
Banks | $1,310 |
Cottage Grove | $1,097 |
Dundee | $1,321 |
Hammond | $1,222 |
Lake Oswego | $1,311 |
Lostine | $1,127 |
Milwaukie | $1,427 |
Portland | $1,513 |
Willamina | $1,231 |
Yamhill | $1,296 |
Compare auto insurance rates with other states
Methodology
Insurance.com commissioned Quadrant Information Services in 2022 to field rates from up to six major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving 2021 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Single vehicle accident
Tickets:
- Distracted driving ticket
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Talking on cellphone ticket
- Texting ticket
Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.
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