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Nationwide offers the cheapest car insurance rates in Oregon for full coverage, at $953 annually, or $79 per month. Whereas Allstate is rated as the best car insurance company in Oregon, based on Insurance.com's analysis.

There are a lot of different car insurance companies in Oregon, and it can be tough to choose the one that suits your needs. Plus, car insurance rates can vary a lot from company to company. So how do you know which company is the best and cheapest for you?

To get the best rates, always compare quotes from multiple insurers. Factors such as your age, driving history, vehicle, and location significantly affect how much you pay for auto insurance.

KEY TAKEAWAYS
  • Allstate offers the best car insurance rates in Oregon among the companies analyzed by Insurance.com.
  • In Oregon, Nationwide provides the cheapest car insurance at $953 per year.
  • Car insurance rates differ with various driving profiles. Geico offers the cheapest car insurance prices for drivers with poor credit.
  • State Farm has the cheapest car insurance rates for any driver with a DUI in Oregon. The insurance premium is $2,283 per year.

Best car insurance companies in Oregon

Allstate is the best car insurance company in Oregon with a 4.2 auto star rating, highest among the companies surveyed.

Experts at Insurance.com have analyzed the companies and compiled data from across Oregon to help you make an informed decision. The table below shows the auto star rating for the insurers we have rated as the best car insurance companies in Oregon.

CompanyAuto star ratings
Liberty Mutual4.1
American Family4.0
Geico4.0
Farmers3.7
USAA3.2

Cheapest car insurance companies in Oregon

Nationwide is the cheapest car insurance company in Oregon that offers full coverage car insurance at an average rate of $953 annually or $79 a month.

CompanyAverage annual premiumAverage monthly premium
Nationwide$953$79
Geico$957$80
State Farm$957$80
USAA$1,020$85
Auto-Owners$1,130$94
Travelers$1,154$96
American Family$1,283$107
Progressive$1,345$112
Farmers$1,416$118
Kemper Insurance$1,460$122
Allstate$1,712$143

Cheapest car insurance for teens in Oregon

Auto-Owners offers the cheapest car insurance for teens in Oregon at about $2,983 a year. Teenagers pay higher rates for car insurance than experienced drivers. The cost of car insurance for an 18-year-old driver is much more than it is for drivers age 30.

Find below average annual premium of cheapest auto insurance companies in Oregon for teens.

CompanyAverage annual premium
Auto-Owners$2,983
Geico$2,989
State Farm$3,064
USAA$3,218
American Family$3,400
Kemper Insurance$3,956
Nationwide$4,158
Travelers$4,195
Allstate$6,221
Farmers$7,384
Progressive$7,717

Cheapest car insurance for young drivers in Oregon

Geico is the cheapest car insurance company for young drivers in Oregon. Its average annual premium is $1,458 annually or $122 a month. On average, insurance rates for most people go down as they get older. People usually see a substantial drop in rates when they turn 25.

CompanyAverage annual premium
Geico$1,458
State Farm$1,685
USAA$1,686
Nationwide$1,815
Auto-Owners$1,841
American Family$1,915
Travelers$1,934
Farmers$2,012
Progressive$2,479
Allstate$2,673
Kemper Insurance$2,820

Cheapest car insurance for adults in Oregon

Geico offers the cheapest car insurance for adults in Oregon for a full coverage policy with an average annual premium of $957 annually. The age group 25-55 pay lower rates than teen and young drivers because insurance companies see people of these age groups as experienced. And they are less likely to be involved in accidents and file insurance claims thus leading to less expensive car insurance premiums.

CompanyAverage annual premium
Geico$957
State Farm$977
Nationwide$978
USAA$1,045
Travelers$1,192
Auto-Owners$1,202
American Family$1,309
Progressive$1,374
Farmers$1,405
Kemper Insurance$1,479
Allstate$1,737

Cheapest car insurance for seniors in Oregon

Geico is the cheapest car insurance company for seniors in Oregon. Its average annual premium is $824 a year or about $69 a month. It's common for drivers to see their rates go up as they enter the senior years of their lives. However, shopping around can help them save hundreds of dollars annually.

CompanyAverage annual premium
Geico$824
Nationwide$928
State Farm$928
USAA$1,049
Auto-Owners$1,107
Travelers$1,186
American Family$1,261
Progressive$1,465
Farmers$1,495
Kemper Insurance$1,728
Allstate$1,779

Cheapest car insurance rates in Oregon by driving record

Location does matter, but it's not the only thing that impacts your car insurance rates. Your driving record also has an effect on how much you pay for coverage. A clean record doesn't necessarily mean lower premiums, but it may help persuade the insurer to give you a better deal than someone with a speeding ticket or accident record.

The best way to find affordable coverage in Oregon is by comparing the rates of different insurance companies. Even if you have a bad driving history, there are companies that offer cheap rates for drivers in Oregon.

Cheapest auto insurance for drivers with poor credit: Geico

Geico is the cheapest auto insurance company for drivers with poor credit. It offers car insurance policies to Oregon drivers at an average of $2,508 a year.

Compare average annual premium of cheapest car insurance companies in Oregon for drivers with poor credit.

CompanyAverage annual premium
Geico$1,506
Nationwide$1,729
Auto-Owners$1,896
Travelers$2,417
USAA$2,527
Progressive$2,702
Kemper$2,754
American Family$2,977
Farmers$2,977
State Farm$3,017
Allstate$3,088

Cheapest auto insurance for drivers with a speeding ticket: State Farm

State Farm offers the cheapest car insurance for drivers with a speeding ticket at about $1,933 annually for a full coverage auto insurance policy. When you receive a speeding ticket, your car insurance rates will go up for 3-5 years. Each insurance company uses different ways to calculate rates. Make sure you compare price quotes from different insurance providers to get the best deal.

CompanyAverage annual premium
State Farm$1,350
USAA$1,449
Nationwide$1,590
Auto-Owners$1,691
Geico$1,850
Travelers$2,075
Progressive$2,095
American Family$2,172
Allstate$2,241
Kemper$2,342
Farmers$2,412

Cheapest auto insurance after an at-fault accident: State Farm

State Farm has the cheapest auto insurance rate for drivers after an at-fault accident with an average of $2,221 per year. An accident stays on your driving record for 3-5 years, but comparison shopping can help you get cheap car insurance rates.

CompanyAverage annual premium
State Farm$1,591
USAA$1,772
Auto-Owners$1,791
Geico$1,952
Travelers$2,020
Nationwide$2,050
American Family$2,309
Kemper$2,590
Progressive$2,632
Farmers$2,637
Allstate$3,091

Cheapest auto insurance after a DUI: State Farm

The cheapest auto insurance company for drivers after a DUI is State Farm. It offers auto insurance at about $2,283 a year or $190 a month.

If you have a DUI conviction, you are considered a high-risk driver to insurers. Your rates will go up, but comparison shopping might help you get cheap auto insurance.

CompanyAverage annual premium
State Farm$1,350
Progressive$1,821
USAA$1,880
Auto-Owners$1,993
American Family$2,172
Travelers$2,240
Geico$2,288
Allstate$2,521
Farmers$2,531
Nationwide$2,643
Kemper$3,671

Average cost of car insurance in Oregon

The average annual cost of car insurance in Oregon for a full coverage policy is $1,217. For full coverage, the recommended coverage limits for Oregon drivers is 100/300/100, where $100,000 is for bodily injury coverage per person, $30,000 for bodily injury per accident and property damage coverage of $100,000.

For the state minimum coverage, the average annual cost in Oregon is $535.

State minimum average annual rateFull coverage average annual rate
$497$1,153

Compare car insurance by city in Oregon

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