Cheapest car insurance for high-risk drivers in Oregon

Cheapest car insurance in Oregon for a bad driving record

Drivers with a poor record in Oregon will find the lowest rates from Travelers, Progressive and Nationwide. Among these, Travelers provides the lowest annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $2,046 annually.

If you have accidents, DUIs or traffic tickets on your driving record, you'll likely pay higher insurance rates. Most traffic violations can impact your rates for three to five years, while a DUI can raise your rates for up to 10 years and may remain on your record for life.

Company	Average annual premium for clean record	Annual premium for high-risk driver
Travelers	$1,318	$2,046
Progressive	$1,765	$2,465
Nationwide	$1,411	$2,502
State Farm	$1,502	$2,514
Farmers	$2,210	$3,381
GEICO	$1,683	$3,416
Allstate	$2,945	$3,893
USAA	$1,277	$1,993

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How much is high-risk car insurance in Oregon?

A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Oregon, high-risk car insurance costs $2,606 per year. However, you can get rates as low as $2,046 annually from Travelers.

Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.

Read on as we explain high-risk car insurance factors and rates below.

Average annual car insurance rate for At-fault bodily injury accident in Oregon, OR is $2,730

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Company	Annual premium for clean record	Annual premium after violation
Nationwide	$1,411	$1,847
State Farm	$1,502	$1,884
Travelers	$1,318	$1,964
USAA	$1,277	$1,999
Progressive	$1,765	$2,978
GEICO	$1,683	$3,228
Farmers	$2,210	$4,231
Allstate	$2,945	$4,892

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Average annual rate

PEOPLE ASK:

Who is considered high-risk for insurance in Oregon?

Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.

Cheapest car insurance in Oregon with a DUI

While many insurers offer coverage after a DUI, State Farm has the lowest rate at $1,609 a year.

Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.

The table below shows the average car insurance rates for a clean record vs. a DUI in Oregon.

Company	Average annual premium for clean record	Annual premium for a DUI
State Farm	$1,502	$1,609
Travelers	$1,318	$2,070
Progressive	$1,765	$2,131
Nationwide	$1,411	$3,073
GEICO	$1,683	$3,767
Farmers	$2,210	$3,787
Allstate	$2,945	$3,956
USAA	$1,277	$2,135

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Cheapest car insurance in Oregon with multiple tickets

The cheapest insurer for drivers with multiple tickets is State Farm, with rates averaging $1,609 annually or $134 monthly.

One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your risky driving.

This table shows Oregon drivers how much multiple tickets increase premiums.

Company	Average annual premium for clean record	Annual premium with a speeding ticket
State Farm	$1,502	$1,609
Travelers	$1,318	$1,974
Nationwide	$1,411	$2,264
Progressive	$1,765	$2,330
Farmers	$2,210	$2,812
GEICO	$1,683	$3,305
Allstate	$2,945	$3,509
USAA	$1,277	$1,641

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Cheapest car insurance in Oregon with a reckless driving conviction

State Farm offers the most affordable rates for drivers with reckless driving convictions, averaging $1,609 per year.

Engaging in driving behaviors that put others at risk can lead to a reckless driving charge. A conviction for reckless driving results in higher car insurance rates.

The table below compares car insurance premiums for drivers with a clean record and those with a reckless driving conviction.

Company	Average annual premium for clean record	Annual premium for reckless driving
State Farm	$1,502	$1,609
Travelers	$1,318	$2,070
Progressive	$1,765	$2,544
Nationwide	$1,411	$3,073
Allstate	$2,945	$3,956
Farmers	$2,210	$4,021
GEICO	$1,683	$4,281
USAA	$1,277	$2,016

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Cheapest car insurance in Oregon with bad credit

In Oregon, Nationwide provides the lowest premiums for drivers with poor credit, averaging $2,069 per year or $172 per month. Even with a low credit score, you can still find affordable auto insurance.

While your credit score doesn't reflect your driving ability, it can impact your car insurance rates and place you in a higher-risk category. Insurers view lower credit scores as an indicator of increased risk based on statistics showing that these drivers are more likely to file claims.

Check the table below to see how credit scores impact car insurance costs in Oregon.

Company	Annual premium for good credit	Annual premium for bad credit
Nationwide	$1,411	$2,069
Travelers	$1,318	$2,216
GEICO	$1,683	$2,536
Progressive	$1,765	$3,124
Farmers	$2,210	$4,044
Allstate	$2,945	$4,921
State Farm	$1,502	$7,042
USAA	$1,277	$2,878

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Cheapest car insurance after an accident in Oregon

Nationwide has the lowest average rates after an accident at $1,847 a year. State Farm also offers affordable rates, averaging $1,884 per year.

Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.

This table shows rates for drivers with a clean record, one at-fault accident and multiple accidents.

Company	Average annual premium for clean record	Annual premium for one at-fault accident	Annual premium for multiple accident
Nationwide	$1,411	$1,847	$2,392
State Farm	$1,502	$1,884	$1,884
Travelers	$1,318	$1,908	$2,486
Progressive	$1,765	$2,978	$4,108
GEICO	$1,683	$3,228	$5,085
Farmers	$2,210	$3,962	$5,556
Allstate	$2,945	$4,892	$6,235
USAA	$1,277	$1,999	$3,642

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Cheapest car insurance in Oregon by city

Cottage Grove has the cheapest car insurance rates in Oregon, averaging $2,340 a year. However, the most expensive city is Portland, with average insurance rates of $3,161 annually.

Where you live in Oregon also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.

City	Average annual premium for clean record	Annual premium for high-risk driver
Cottage Grove	$1,514	$2,340
Lostine	$1,623	$2,458
Hammond	$1,673	$2,565
Willamina	$1,702	$2,629
Banks	$1,751	$2,716
Lake Oswego	$1,755	$2,731
Dundee	$1,764	$2,734
Milwaukie	$1,879	$2,923
Portland	$2,033	$3,161

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How to reduce car insurance rates in Oregon for a bad driving record

Finding affordable car insurance in Oregon is possible, even with a bad driving record. Ways to lower car insurance rates include:

Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.

PEOPLE ASK:

How long are you considered a high-risk driver in Oregon?

Three years is common, but how long you are considered a high-risk driver in California depends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.

Oregon car insurance laws for high-risk drivers

If you're a high-risk driver in Oregon, you might need to file an SR-22. This is a form that your car insurance company sends in to show you have the required minimum insurance coverage. The court will let you know how long you need to keep the SR-22.

An SR-22 isn't a type of insurance; it's just a form. You don't need special coverage, but your rates might be higher because you're considered high-risk. Also, not all insurance companies offer coverage for high-risk drivers or handle SR-22 filings.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

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.

All base rate averages are based on our full coverage data set. This data set is based on: