- Best car insurance companies in Oregon: Country Financial
- Cheapest car insurance companies in Oregon: Oregon Mutual
- Average cost of car insurance 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
- Methodology
- Compare auto insurance rates with other states
Best car insurance companies in Oregon: Country Financial
Country Financial is the best car insurance company in Oregon, based on data analysis by Insurance.com, with an overall rating of 3.64. Travelers, State Farm, Nationwide, and Geico are 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 | Avg. Annual Premium | J.D. Power | NAIC | Insurance.com score |
|---|---|---|---|---|---|
| Country Financial | A+ | $1,527 | 828 | 0.34 | 3.64 |
| Travelers | A++ | $1,318 | 810 | 0.49 | 3.51 |
| State Farm | A++ | $1,502 | 821 | 0.7 | 3.36 |
| Nationwide | A+ | $1,411 | 810 | 0.64 | 3.2 |
| Geico | A++ | $1,683 | 797 | 0.91 | 3.12 |
| Progressive | A+ | $1,765 | 807 | 0.65 | 3.04 |
| Farmers | A | $2,210 | 796 | 0.8 | 2.7 |
| Allstate | A+ | $2,945 | 783 | 0.65 | 2.54 |
Cheapest car insurance companies 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 $1,147 annually or $96 a month, on average.
USAA is the cheapest liability car insurance company in Oregon, however, it covers specifically the military community. Oregon Mutual is the cheapest option in the state to get the cheapest liability car insurance at an average of $497 per year. For state minimum, Oregon Mutual is the cheapest option at an average annual rate of $445.
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 | $445 | $497 | $1,147 |
| USAA* | $439 | $495 | $1,277 |
| Travelers | $534 | $585 | $1,318 |
| Nationwide | $813 | $782 | $1,411 |
| State Farm | $534 | $616 | $1,502 |
| Country Financial | $481 | $532 | $1,527 |
| Geico | $513 | $624 | $1,683 |
| Progressive | $650 | $723 | $1,765 |
| Farmers | $976 | $1,121 | $2,210 |
| Allstate | $1,041 | $1,131 | $2,945 |
*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 $1,678 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 $641.
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Most & least expensive ZIP codes for auto insurance in Oregon
Most Expensive
| Zip Code | City | Highest Rate |
|---|---|---|
| 97233 | Portland | $195 |
| 97266 | Portland | $195 |
| 97236 | Portland | $192 |
| 97230 | Portland | $187 |
Least Expensive
| Zip Code | City | Lowest Rate |
|---|---|---|
| 97321 | Albany | $125 |
| 97333 | Corvallis | $125 |
| 97330 | Corvallis | $126 |
| 97401 | Eugene | $126 |
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 teen drivers in Oregon at $2,844 per year for a full coverage policy.
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 offers the cheapest full coverage auto insurance for adult drivers at $1,169 per year. Nationwide offers the cheapest full coverage car insurance for senior drivers at $1,304 per year.
| Age | Company | Avg annual premium |
|---|---|---|
| Teens (16-19) | Country Financial | $2,844 |
| Teens (16-19) | USAA* | $4,000 |
| Teens (16-19) | State Farm | $4,227 |
| Teens (16-19) | Travelers | $4,343 |
| Teens (16-19) | Geico | $4,871 |
| Teens (16-19) | Nationwide | $5,519 |
| Teens (16-19) | Oregon Mutual | $5,972 |
| Teens (16-19) | Progressive | $8,838 |
| Teens (16-19) | Farmers | $9,282 |
| Teens (16-19) | Allstate | $10,279 |
| Young Adults (20-24) | Country Financial | $1,886 |
| Young Adults (20-24) | USAA* | $2,087 |
| Young Adults (20-24) | Oregon Mutual | $2,105 |
| Young Adults (20-24) | Travelers | $2,115 |
| Young Adults (20-24) | State Farm | $2,412 |
| Young Adults (20-24) | Nationwide | $2,433 |
| Young Adults (20-24) | Geico | $2,454 |
| Young Adults (20-24) | Farmers | $2,807 |
| Young Adults (20-24) | Progressive | $2,945 |
| Young Adults (20-24) | Allstate | $4,689 |
| Adults (25-60) | Oregon Mutual | $1,169 |
| Adults (25-60) | USAA* | $1,291 |
| Adults (25-60) | Travelers | $1,337 |
| Adults (25-60) | Nationwide | $1,395 |
| Adults (25-60) | State Farm | $1,503 |
| Adults (25-60) | Country Financial | $1,554 |
| Adults (25-60) | Geico | $1,649 |
| Adults (25-60) | Progressive | $1,768 |
| Adults (25-60) | Farmers | $2,087 |
| Adults (25-60) | Allstate | $2,921 |
| Seniors (65-75) | Nationwide | $1,304 |
| Seniors (65-75) | USAA* | $1,315 |
| Seniors (65-75) | Travelers | $1,350 |
| Seniors (65-75) | Geico | $1,373 |
| Seniors (65-75) | Oregon Mutual | $1,464 |
| Seniors (65-75) | Country Financial | $1,465 |
| Seniors (65-75) | State Farm | $1,467 |
| Seniors (65-75) | Progressive | $1,837 |
| Seniors (65-75) | Farmers | $2,277 |
| Seniors (65-75) | Allstate | $3,007 |
*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, State Farm offers the cheapest car insurance rates for drivers with an accident, at $1,591 per year. However, the severity and frequency of the incidents also affect insurance rates.
For drivers with speeding tickets, State Farm offers the cheapest car insurance at an average annual cost of $1,350.
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 |
|---|---|---|---|
| Geico | $1,114 | $2,481 | $2,186 |
| USAA* | $1,141 | $2,146 | $1,530 |
| State Farm | $1,230 | $1,591 | $1,350 |
| Nationwide | $1,234 | $2,279 | $1,980 |
| Auto-Owners | $1,395 | $1,878 | $1,786 |
| Travelers | $1,402 | $2,184 | $2,152 |
| Progressive | $1,614 | $3,062 | $2,296 |
| American Family | $1,663 | $2,491 | $2,207 |
| Kemper Insurance | $1,831 | $2,771 | $2,449 |
| Farmers | $1,946 | $3,086 | $2,636 |
| Allstate | $1,955 | $3,427 | $2,348 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in Oregon
Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in Oregon.
| City | Annual insurance premium |
|---|---|
Cottage Grove | $1,514 |
Dundee | $1,764 |
Portland | $2,033 |
Methodology
Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.
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
- Single vehicle accident
Tickets:
- Distracted driving ticket
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Talking on cellphone ticket
- Texting ticket
Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.
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