- Cheapest car insurance for high-risk drivers in Oregon
- Average rates for high-risk drivers in Oregon by driving record
- Cheapest car insurance with a DUI
- Cheapest car insurance with multiple tickets
- Cheapest car insurance with a reckless driving conviction
- Cheapest car insurance with bad credit
- Methodology
Cheapest car insurance for high-risk drivers in Oregon
Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Oregon is State Farm, followed by Auto-Owners and Nationwide.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,628 | $136 |
| Auto-Owners | $1,895 | $158 |
| Nationwide | $2,181 | $182 |
| Travelers | $2,204 | $184 |
| Geico | $2,285 | $190 |
| Progressive | $2,312 | $193 |
| American Family | $2,401 | $200 |
| Allstate | $2,564 | $214 |
| Farmers | $2,734 | $228 |
| Kemper Insurance | $2,877 | $240 |
| USAA | $1,765 | $147 |
Average rates for high-risk drivers in Oregon by driving record
Average cost of car insurance in Oregon for high-risk driver
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|---|
| State Farm | $1,591 |
| USAA | $1,784 |
| Auto-Owners | $1,928 |
| Nationwide | $2,092 |
| Travelers | $2,094 |
| Geico | $2,160 |
| American Family | $2,306 |
| Kemper Insurance | $2,615 |
| Farmers | $2,743 |
| Progressive | $2,754 |
| Allstate | $3,212 |
Cheapest car insurance with a DUI
A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Oregon for a driver with a DUI is State Farm with an average annual of $1,350 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,350 | $113 |
| Progressive | $1,929 | $161 |
| Auto-Owners | $2,035 | $170 |
| American Family | $2,167 | $181 |
| Travelers | $2,223 | $185 |
| Geico | $2,536 | $211 |
| Allstate | $2,609 | $217 |
| Farmers | $2,637 | $220 |
| Nationwide | $2,685 | $224 |
| Kemper Insurance | $3,678 | $307 |
| USAA | $1,892 | $158 |
Cheapest car insurance with multiple tickets
While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Oregon, the cheapest car insurance with multiple tickets is from State Farm. It offers full coverage insurance at $1,350 per year or $113 monthly.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,350 | $113 |
| Auto-Owners | $1,788 | $149 |
| Nationwide | $1,977 | $165 |
| Travelers | $2,114 | $176 |
| American Family | $2,167 | $181 |
| Progressive | $2,206 | $184 |
| Geico | $2,211 | $184 |
| Allstate | $2,320 | $193 |
| Kemper Insurance | $2,367 | $197 |
| Farmers | $2,518 | $210 |
| USAA | $1,457 | $121 |
Cheapest car insurance with a reckless driving conviction
Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Oregon, State Farm offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $1,350 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,350 | $113 |
| Auto-Owners | $2,035 | $170 |
| Travelers | $2,223 | $185 |
| Progressive | $2,431 | $203 |
| Allstate | $2,609 | $217 |
| Nationwide | $2,685 | $224 |
| American Family | $2,756 | $230 |
| Geico | $2,878 | $240 |
| Farmers | $3,042 | $254 |
| Kemper Insurance | $3,678 | $307 |
| USAA | $1,778 | $148 |
Cheapest car insurance with bad credit
Although it's not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in Oregon is Geico with an average annual cost of $1,667 or $139 per month.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Geico | $1,667 | $139 |
| Nationwide | $1,782 | $149 |
| Auto-Owners | $1,939 | $162 |
| Travelers | $2,434 | $203 |
| Kemper Insurance | $2,800 | $233 |
| Progressive | $2,894 | $241 |
| American Family | $2,981 | $248 |
| State Farm | $3,017 | $251 |
| Farmers | $3,173 | $264 |
| Allstate | $3,207 | $267 |
| USAA | $2,548 | $212 |
Methodology
Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.
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