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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

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.

Best car insurance companies in Oregon
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
GeicoA++$ 9570.774.94
USAA*A++$ 1,0200.994.78
State FarmA++$ 9570.524.69
NationwideA+$ 9530.664.67
Auto-OwnersA++$ 1,1300.644.65
TravelersA++$ 1,1541.034.52
ProgressiveA+$ 1,3450.733.93
American FamilyA$ 1,2830.573.78
FarmersA$ 1,4160.773.49
AllstateA+$ 1,7120.953.21

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.

CompanyState minimum50/100/50 liability only100/300/100 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.

Auto insurance calculator

Average auto insurance rates in Alabama
16 17 18 19 20 21 22 23 24 25 30 35 40 45 50 55 60 65 70 75
Male Female
36110 - Montgomery
For a -year-old
State minimum
Full coverage
Liability only

Most & least expensive ZIP codes for auto insurance in

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Least Expensive

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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. 

Cheapest car insurance by age in Oregon
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. 

Cheapest car insurance companies for tickets and accidents in Oregon 
CompanyClean recordAccidentTicket
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.

CityAnnual insurance premium
Cottage Grove
Lake Oswego

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: 


  • 1 at-fault property damage accident over $2k
  • 1 at-fault property damage accident under $2k
  • At-fault bodily injury accident 
  • Single vehicle accident 


  • 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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