Cheapest car insurance for high-risk drivers in Oregon

Which company has the cheapest car insurance in Oregon for a bad driving record?

Travelers offers the cheapest average car insurance rate for high-risk drivers in Oregon at $2,046 a year. Progressive and Nationwide also provide below-average rates for drivers with traffic violations, accidents or other risk factors.

Traffic infractions, accidents and DUIs wind up on your driving record, meaning you'll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.

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?

The average cost of high-risk car insurance in Oregon is $2,606 per year. Depending on your driving history and insurer, you may be able to find rates as low as $2,046 annually.

Several factors can classify you as a high-risk driver, but some raise your premiums more than others. For example, receiving multiple speeding tickets, or one in a school zone, will increase your rates more than a single basic speeding ticket.

Keep reading as we break down the factors that make you a high-risk driver and what you can expect to pay for car insurance.

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 a high-risk driver 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.

What company offers the cheapest car insurance in Oregon after a DUI?

State Farm has the cheapest average DUI insurance rates in Oregon at $1,609 annually.

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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What is the cheapest car insurance in Oregon with multiple tickets?

State Farm offers the lowest average rates for drivers with multiple traffic tickets at $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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Expert's Insight Two minor tickets can sometimes cost you more on insurance in the end than one major violation.

Which company offers the cheapest insurance for reckless driving in Oregon?

State Farm provides the cheapest average reckless driving insurance rates in Oregon at $1,609 per year.

If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.

The table below shows car insurance rates for drivers with a clean record vs. drivers 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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Expert's Insight A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.

Which company has the cheapest car insurance for drivers with bad credit in Oregon?

The cheapest Oregon insurer for bad credit is Nationwide, with rates averaging $2,069 per year or $172 per month. The good news is that drivers with bad credit can still get affordable auto insurance.

Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer's perspective, higher risk means an increased chance of filing a 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., and statistics show that drivers with lower credit scores are in this category.

Check the table below to see how your credit score affects Oregon car insurance.

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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What company has the cheapest car insurance in Oregon after an accident?

Nationwide offers the cheapest average post-accident rates in Oregon at $1,847 annually. State Farm also provides relatively affordable rates at $1,884 per year.

Drivers with accidents on their driving records see higher rates than drivers who avoid crashes. While car insurance increases after one accident, multiple accidents significantly increase rates.

This table compares rates for drivers with a clean driving 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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Expert's Insight Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.

Which city has the cheapest car insurance for high-risk drivers in Oregon?

Cottage Grove has the cheapest average high-risk car insurance rates in Oregon at $2,340 per year. In comparison, drivers in Portland pay the highest average rates at $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 can high-risk drivers lower their car insurance rates in Oregon?

High-risk drivers in Oregon can reduce insurance costs by comparing quotes and avoiding additional violations. Many insurers reward safer driving habits over time with lower premiums.

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.
Take a defensive driving course. Many insurance companies offer a discount for completing the class, and some states remove driver's license points for successfully completing it.
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 Oregon 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.

What are Oregon's insurance requirements 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:

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

Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:

DUI
Reckless driving
Multiple speeding tickets
Bad credit
One at-fault accident over $2,000

FAQ: High-risk car insurance in Oregon

Can high-risk drivers get full coverage car insurance in Oregon?

Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.

Does an SR-22 automatically make your insurance more expensive in Oregon?

An SR-22 doesn't increase your rates, but the violation that resulted in the requirement will; as a result, having an SR-22 means higher rates. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.