- Best car insurance company in Oregon: State Farm
- Cheapest car insurance company in Oregon: Oregon Mutual
- Average cost of car insurance in Oregon
- Oregon car insurance requirements
- Cheapest car insurance companies for minimum liability coverage 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
- Car insurance premium trends in Oregon
- Methodology
- Compare Oregon car insurance rates with other states
Best car insurance company in Oregon: State Farm
State Farm is the best car insurance company in Oregon, based on our 2025 best car insurance companies rankings, with an overall rating of 4.57. GEICO, Travelers, Progressive, Farmers and Allstate are also among the top auto insurance companies in Oregon.
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.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| State Farm | A++ | 656 | 0.79 | $1,502 | 4.57 |
| GEICO | A++ | 637 | 0.69 | $1,683 | 4.33 |
| Travelers | A++ | 592 | 0.52 | $1,318 | 4.15 |
| Progressive | A+ | 607 | 0.71 | $1,765 | 3.83 |
| Farmers | A | 641 | 0.86 | $2,210 | 3.77 |
| Allstate | A+ | 626 | 1.1 | $2,945 | 3.06 |
| USAA | A++ | 743 | 1.18 | $1,277 | 4.43 |
Cheapest car insurance company in Oregon: Oregon Mutual
Based on a rate analysis by Insurance.com, Oregon Mutual offers the cheapest full coverage car insurance in Oregon, with average rates of $1,172 a year or $97 monthly, on average.
USAA is the cheapest liability car insurance company in Oregon, however, it covers specifically the military community. Country Financial is the cheapest option in the state to get the cheapest liability car insurance at an average of $436 per year. For state minimum, Country Financial is the cheapest option at an average annual rate of $416.
Comparison shopping is the best way to get a cheaper auto insurance rate. Get quotes from several different insurers. You may be surprised at how much difference there can be in rates from one company to another.
We gathered price quotes from all the major insurance providers in Oregon and compiled a list of the cheapest car insurance companies.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| Oregon Mutual Insurance | $464 | $508 | $1,172 |
| Travelers | $716 | $763 | $1,657 |
| Nationwide | $995 | $959 | $1,836 |
| Country Financial | $416 | $436 | $1,886 |
| GEICO | $547 | $665 | $1,993 |
| State Farm | $790 | $911 | $2,383 |
| Farmers | $1,063 | $1,207 | $2,587 |
| Progressive | $1,593 | $1,892 | $3,584 |
| USAA | $500 | $564 | $1,523 |
*USAA offers car insurance only to military members, veterans and their families.
Average cost of car insurance in Oregon
The average cost of car insurance in Oregon is $1,927 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 $715.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in Oregon
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Keizer | $994 | $83 |
| Gleneden Beach | $987 | $82 |
| Crabtree | $979 | $82 |
| Crawfordsville | $976 | $81 |
| Detroit | $975 | $81 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Dallas | $1,001 | $83 |
| Rhododendron | $1,007 | $84 |
| Willamina | $1,008 | $84 |
| St. Helens | $1,022 | $85 |
| Hayesville | $1,023 | $85 |
The Oregon Division of Financial Regulation says...
While your policy spells out your company's requirements, you should inform them immediately of the change. A typical provision is 14 days, but only four days if you do not have physical damage coverage on one of the cars already insured. Your policy may differ, however. Contrary to what many people think, there is no law or rule that gives you 30 days to notify your company. The sooner you contact your agent or insurance company, the sooner you can be sure you have the coverage you need.
- The Oregon Division of Financial RegulationOregon car insurance requirements
You need car insurance with minimum coverage levels of 25/50/20 in Oregon, which costs $715 each year or $60 each month.
Minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. requirements for Oregon:
- Bodily injury liability (BI): $25,000 per person and $50,000 for accident
- Property damage liability (PD): $20,000 per accident
- Personal injury protection (PIP): $15,000 per person
- Uninsured/underinsured motorist bodily injury coverage: $25,000 per person and $50,000 per accident
Cheapest car insurance companies for minimum liability coverage in Oregon
According to Insurance.com, Country Financial has the cheapest state minimum liability coverage, at $436 per year or $36 each month. USAA offers cheaper rates but is available only to military veterans and their families.
Here are the most affordable car insurance companies for state minimum coverage in Oregon.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| Country Financial | $436 | $36 |
| Oregon Mutual Insurance | $508 | $42 |
| GEICO | $665 | $55 |
| Travelers | $763 | $64 |
| State Farm | $911 | $76 |
| Nationwide | $959 | $80 |
| Farmers | $1,207 | $101 |
| Progressive | $1,892 | $158 |
| USAA | $564 | $47 |
*USAA offers coverage only to military veterans and their family
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.
Country Financial offers the cheapest car insurance for a 16-year-old driver in Oregon at $3,410 per year.
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, Oregon Mutual Insurance offers the cheapest car insurance for a 25-year-old driver at $1,484 per year. Oregon Mutual Insurance offers the cheapest car insurance for a 65-year-old driver at $1,237 per year.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.
| Country Financial | $3,410 | $284 |
| GEICO | $7,166 | $597 |
| Travelers | $7,171 | $598 |
| Nationwide | $7,953 | $663 |
| State Farm | $8,152 | $679 |
| Oregon Mutual Insurance | $9,892 | $824 |
| USAA | $10,143 | $845 |
| Progressive | $13,887 | $1,157 |
| Farmers | $17,076 | $1,423 |
*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 insurance rates. In Oregon, Travelers offers the cheapest car insurance rates for drivers with an accident, at $2,399 per year. However, the severity and frequency of the incidents also affect insurance rates.
For drivers with a speeding ticket, Travelers offers the cheapest car insurance at an average annual cost of $2,482.
Below are the average Oregon car insurance rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| Travelers | $1,657 | $2,399 | $2,482 |
| State Farm | $2,383 | $2,988 | $2,552 |
| Nationwide | $1,836 | $2,403 | $2,946 |
| Farmers | $2,587 | $4,638 | $3,292 |
| GEICO | $1,993 | $3,825 | $3,915 |
| Progressive | $3,584 | $6,045 | $4,731 |
| USAA | $1,523 | $2,383 | $1,957 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in Oregon
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in Oregon will impact what you pay. Below, we've gathered Oregon car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Cottage Grove | $1,514 |
Dundee | $1,764 |
Portland | $2,033 |
Car insurance premium trends in Oregon
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Oregon to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
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
- Poor credit
- DUI/DWI first offense
Tickets:
- Reckless driving
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Speeding 30+ over limit
Learn more about our data and methodology.
Compare Oregon car insurance rates with other states
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