Cheap Car Insurance in Oregon: Finding affordable car insurance is a priority for most drivers, and if you live in Oregon, you’re likely wondering how to get the best deal without sacrificing necessary coverage.
With the right approach, it’s entirely possible to secure cheap car insurance that meets Oregon’s legal requirements.
In this guide, we’ll break down everything you need to know about getting a free car insurance quote in Oregon and finding the most affordable rates.
Understanding Oregon’s Minimum Car Insurance Requirements
Before you dive into searching for cheap car insurance, it’s important to understand what Oregon law requires. Like most states, Oregon mandates a minimum level of car insurance coverage to legally drive. Here are the essentials:
- Liability Coverage: Oregon requires drivers to carry a minimum of $25,000 per person and $50,000 per accident in bodily injury liability, and $20,000 in property damage liability.
- Personal Injury Protection (PIP): This coverage, also mandatory, provides $15,000 for medical expenses, regardless of who is at fault in an accident.
- Uninsured/Underinsured Motorist Coverage: Oregon also requires $25,000 per person and $50,000 per accident to protect you if the other driver lacks insurance.
These minimums are designed to protect drivers financially, but they may not be enough if you are involved in a serious accident. However, opting for just the required coverage can significantly lower your premiums if you’re on a tight budget.
Factors That Influence Car Insurance Rates in Oregon
Several factors can affect how much you pay for car insurance in Oregon. Some of the most impactful include:
- Driving Record: A clean driving record typically results in lower rates, while accidents, tickets, or DUIs can drive up costs.
- Age and Gender: Younger drivers, especially males, often face higher premiums due to their higher risk profile.
- Location: Where you live matters – urban areas like Portland often have higher rates due to increased traffic and accident risk, whereas rural areas may offer lower premiums.
- Vehicle Type: Expensive or luxury cars cost more to insure than older, reliable models.
- Credit Score: In Oregon, insurance companies consider your credit score when determining rates. A higher score usually means lower premiums.
How to Get Cheap Car Insurance in Oregon
If you’re looking for cheap car insurance, the best strategy is to shop around and compare quotes from multiple companies. Here are some additional tips to lower your premium:
- Compare Quotes Online: Use comparison tools to get quotes from different insurers quickly and easily.
- Bundle Insurance Policies: If you have homeowners or renters insurance, bundling it with your car insurance can save you money.
- Ask for Discounts: Many insurers offer discounts for safe drivers, students, military members, or those who take defensive driving courses.
- Increase Your Deductible: Choosing a higher deductible can lower your monthly premium, but be sure you can afford to pay it if you need to file a claim.
- Lower Coverage on Older Cars: If you drive an older car, consider dropping comprehensive and collision coverage, which may not be worth the cost for vehicles with low market value.
Top Companies Offering Cheap Car Insurance in Oregon
Several insurers are known for providing competitive rates in Oregon, including:
- Geico: Known for consistently offering some of the lowest rates.
- State Farm: Offers a good balance between affordability and coverage options, plus excellent customer service.
- Progressive: Ideal for drivers looking for customizable policies and a variety of discount opportunities.
- Liberty Mutual: Strong for drivers with a clean record looking to take advantage of multi-policy discounts.
Cheap full coverage insurance in Oregon
Looking for full coverage car insurance in Oregon? Expect to pay around $940 annually for a six-month policy with comprehensive and collision coverage. If you want to see how this stacks up monthly or every six months, check out the breakdown from top providers below.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $572 | $95 |
| USAA | $701 | $117 |
| Progressive | $783 | $131 |
| GEICO | $796 | $133 |
| State Farm | $939 | $157 |
| Nationwide | $1,085 | $181 |
| Farmers | $1,184 | $197 |
| Allstate | $1,492 | $249 |
Cheap Liability Insurance in Oregon
Car insurance is a must in nearly every state, including Oregon. If you go with the minimum coverage in Oregon, you’re looking at an average cost of $453 for a six-month policy.
That’s a lot cheaper than full coverage because your coverage level has a big impact on what you pay. Check out the table below for monthly and six-month liability quotes from Oregon’s top insurers.
Cheapest liability insurance in OR
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $286 | $48 |
| USAA | $320 | $53 |
| GEICO | $352 | $59 |
| Progressive | $355 | $59 |
| State Farm | $464 | $77 |
| Nationwide | $593 | $99 |
| Farmers | $631 | $105 |
| Allstate | $721 | $120 |
What are the best car insurance companies in Oregon?
We rated State Farm as the best car insurance company in Oregon, drawing on consumer reviews, third-party ratings like J.D. Power, Trustpilot, and AM Best, as well as their range of discounts and coverage options.
Why State Farm? They offer competitive rates, a wide array of discounts, and strong customer service that consistently earns high marks from policyholders. Plus, with their extensive network, you’re never far from the help you need.
Check out the pros and cons of State Farm below, along with a look at other top-rated insurance companies in Oregon.
Overall Best Car Insurance Company in Oregon — State Farm
State Farm is known for its excellent, localized service, ranking first in J.D. Power’s overall satisfaction for the Northwest region. While there are some concerns about cost, State Farm’s mix of robust coverage and available discounts make them worth considering. Also, the insurer’s strong financial stability confirms they can pay out claims reliably and sustain their operations over the long term.
State Farm is celebrated for its top-notch, localized service, earning third place in J.D. Power’s overall satisfaction rankings for the Northwest region. While some find the rates a bit steep, State Farm’s solid mix of comprehensive coverage and a variety of discounts make them a strong contender.
Add to that their rock-solid financial stability, and you’ve got an insurer that can reliably pay out claims and keep your coverage secure for the long haul.
Pros
- Affordable rates
- Great coverage options
- Extensive agent network
- Strong claims satisfaction
Cons
- High complaint ratio from the NAIC
- Lacks some common discounts
- Not the cheapest coverage for all drivers
Best car insurance in Oregon — honorable mentions
To determine the best insurance companies in Oregon, we took a comprehensive approach. We analyzed J.D. Power’s auto insurance ratings, a respected benchmark for customer satisfaction, and combined that with in-depth consumer reviews gathered from nearly 3,000 drivers across Oregon and the U.S.
Best car insurance companies in Oregon
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $572 | $95 |
| USAA | $701 | $117 |
| Progressive | $783 | $131 |
| State Farm | $939 | $157 |
Oregon auto insurance quotes after an accident or ticket
Getting affordable car insurance in Oregon after an accident can be tough. Insurers dive deep into your accident and ticket history to gauge your risk, which can send your rates soaring. An at-fault accident could spike your annual premium to as much as $2,596.
And don’t forget — these rate hikes can stick around for three to five years. That’s why it’s crucial to shop around and compare options to snag the best deal. Take a look below at what top Oregon insurers might charge you after an at-fault accident.
Best insurance companies in OR after an accident
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $754 | $126 |
| USAA | $1,041 | $174 |
| Progressive | $1,198 | $200 |
| State Farm | $1,208 | $201 |
| GEICO | $1,247 | $208 |
| Nationwide | $1,435 | $239 |
| Farmers | $1,641 | $273 |
| Allstate | $2,247 | $374 |
Tip: Don’t forget about claims satisfaction
Insurance is something you hope to never use, but if the time comes, a smooth claims process is a must. Our survey zeroed in on drivers who’ve had to file claims, and AAA stood out for delivering a top-notch experience. If reliability matters to you, AAA should be on your radar in Oregon.
In Oregon, a bad driving record can send your insurance rates soaring. Get a ticket, and you’re almost guaranteed to see your premiums jump. How much they increase depends on the type of violation, your insurer’s pricing policies, and local factors unique to Oregon. This is why a ticket in Oregon might affect your insurance differently than it would elsewhere in the country.
Oregon auto insurance quotes by violation
| Accident/Violation | Avg. Annual Premium | $ Rate Increase |
|---|---|---|
| None | $1,693 | $0 |
| One Med/PIP claim | $1,697 | $4 |
| Not-at-fault accident | $1,756 | $63 |
| One comp claim | $1,790 | $97 |
| Two Med/PIP claims | $1,816 | $124 |
| Failure to wear a seat belt | $1,932 | $239 |
| Two comp claims | $1,984 | $291 |
| Failure to show documents | $2,004 | $311 |
| Child safety restraint | $2,006 | $313 |
| Driving without lights | $2,016 | $323 |
| Driving with expired registration | $2,068 | $375 |
| Speeding 6 – 10 MPH over limit | $2,149 | $456 |
| Speeding 16 – 20 MPH over limit | $2,150 | $457 |
| Speeding 11 – 15 MPH over limit | $2,150 | $457 |
| Driving too slowly | $2,155 | $462 |
| Failure to yield | $2,159 | $467 |
| Following too closely | $2,159 | $467 |
| Wrong way/wrong lane | $2,160 | $467 |
| Illegal turn | $2,161 | $468 |
| Texting while driving | $2,163 | $470 |
| Cell phone violation | $2,163 | $470 |
| Failure to stop at a red light | $2,166 | $473 |
| Improper passing | $2,168 | $475 |
| Passing school bus | $2,250 | $557 |
| Speeding in school zone | $2,255 | $562 |
| In 65 MPH zone | $2,296 | $603 |
| Speeding 21 – 25 MPH over limit | $2,306 | $613 |
| Open container | $2,372 | $679 |
| At-fault accident – less than $1000 | $2,432 | $739 |
| Operating a vehicle without permission | $2,453 | $761 |
| At-fault accident – $1000-$2000 | $2,586 | $893 |
| At-fault accident – greater than $2000 | $2,596 | $903 |
| Refusal to submit to a chemical test | $2,905 | $1,212 |
| Racing | $2,921 | $1,228 |
| DUI | $2,957 | $1,264 |
| Reckless driving | $2,961 | $1,268 |
| Driving with a suspended license | $2,986 | $1,293 |
| Leaving scene of an accident/hit and run | $3,080 | $1,387 |
Car insurance in popular Oregon Cities
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Baker City, Oregon, and the most expensive in Maywood Park, Oregon.
Have a look at the table below to see average car insurance costs in some of Oregon’s biggest cities.
Auto insurance quotes in Oregon’s biggest cities
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Bend | $867 | $145 |
| Eugene | $870 | $145 |
| Salem | $1,014 | $169 |
| Hillsboro | $1,020 | $170 |
| Portland | $1,159 | $193 |
How have car insurance costs in Oregon changed?
Oregon’s car insurance premiums have been on a bit of a rollercoaster over the past decade. After a sharp drop in 2018, where rates plunged by $361, premiums started climbing again, peaking at $1,636 in 2023. The most startling jump came in 2022 with a $184 increase. But 2024 brought some relief, with rates dipping by $25 to $1,611. This recent drop might signal a cooling off after years of ups and downs, suggesting that factors like economic shifts and regulatory changes are playing a role in these rate adjustments.
Car insurance costs in Oregon since 2015
| Year | Avg. Annual Premium — Oregon | Yearly Change — Oregon |
|---|---|---|
| 2024 | $1,611 | -$25 |
| 2023 | $1,636 | $127 |
| 2022 | $1,509 | $184 |
| 2021 | $1,325 | -$7 |
| 2020 | $1,332 | -$109 |
| 2019 | $1,441 | $6 |
| 2018 | $1,435 | -$361 |
| 2017 | $1,796 | $234 |
| 2016 | $1,562 | -$323 |
| 2015 | $1,885 | $216 |
Cheap auto insurance for teens and young drivers in Oregon
Finding affordable car insurance as a young driver in Oregon can be tough. Insurers often view younger drivers as higher risks due to their limited experience, which leads to higher premiums. Teens typically pay more than double what those in their 20s do, and nearly triple what drivers in their 30s pay.
In Oregon, the numbers are steep: the cheapest coverage for teen drivers starts around $259 per month but can soar to $905 or more.
If you’re a teen driver or the parent of one, consider checking out options like Travelers, GEICO, and USAA, which tend to offer some of the more affordable rates for young drivers.
Auto insurance rates by company for young drivers in Oregon
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $1,553 | $259 |
| USAA | $1,798 | $300 |
| GEICO | $2,090 | $348 |
| State Farm | $3,312 | $552 |
| Nationwide | $3,915 | $652 |
| Progressive | $4,131 | $688 |
| Allstate | $4,861 | $810 |
| Farmers | $5,430 | $905 |
The Benefits of Comparing Car Insurance Quotes Online
One of the easiest ways to find cheap car insurance is to compare quotes online. By entering your details into comparison websites, you can see offers from multiple insurers side-by-side. This not only saves time but ensures that you’re getting the best rate available.
How Your Driving Record Affects Car Insurance in Oregon
A clean driving record is one of the best ways to secure cheap car insurance in Oregon. Insurance companies reward safe drivers with lower premiums, while those with accidents, tickets, or DUIs on their records can see their rates spike. If you have marks on your driving record, consider taking a defensive driving course to potentially lower your rate.
The Role of Credit Scores in Oregon Car Insurance Rates
In Oregon, your credit score plays a significant role in determining your car insurance premium. Drivers with higher credit scores tend to get lower rates, as insurers believe they are less likely to file claims. If your credit score is less than ideal, working to improve it over time can help lower your insurance costs.
Discounts Available for Cheap Car Insurance in Oregon
Many insurers offer discounts that can significantly reduce your premium. Some common discounts include:
- Safe Driver Discounts
- Good Student Discounts
- Multi-Policy Discounts
- Low Mileage Discounts
- Usage-Based Discounts
The Importance of Full Coverage vs. Minimum Coverage
While minimum coverage may be the cheapest option, it might not be enough in a serious accident. If you have a newer car or significant assets to protect, full coverage (which includes liability, collision, and comprehensive) might be a better choice.
Car Insurance for High-Risk Drivers in Oregon
If you’re considered a high-risk driver due to a poor driving record, you may struggle to find cheap insurance. However, some companies specialize in providing affordable policies for high-risk drivers, and Oregon’s SR-22 requirement allows high-risk drivers to remain insured legally.
How to Switch Car Insurance Providers in Oregon
If you’re not satisfied with your current policy, switching providers is easier than you think:
- Get quotes from other insurers.
- Cancel your existing policy once you have a new one in place.
- Ensure there’s no coverage gap by coordinating the start date of your new policy with the cancellation of your old one.
FAQs about Car Insurance in Oregon
1. What are the minimum car insurance requirements in Oregon?
In Oregon, drivers must carry a minimum of $25,000 per person and $50,000 per accident for bodily injury liability, and $20,000 for property damage liability. Additionally, Oregon requires $15,000 in personal injury protection (PIP) and uninsured motorist coverage of $25,000 per person and $50,000 per accident.
2. Is Oregon a no-fault state for car insurance?
No, Oregon is not a no-fault state. It operates under a fault-based or “tort” system, which means that the driver who is at fault for an accident is responsible for paying the damages resulting from the accident.
3. How does Oregon’s PIP coverage work?
Personal Injury Protection (PIP) in Oregon covers medical expenses, lost wages, and other similar expenses regardless of who caused the accident. It provides coverage for you, your passengers, and pedestrians involved, offering immediate financial support without the need to establish fault.
4. Can I lower my car insurance premiums in Oregon?
Yes, you can lower your premiums by raising your deductibles, maintaining a clean driving record, and qualifying for discounts. Insurance companies may offer discounts for things like good driving, multiple vehicles, safety features on your car, and completion of defensive driving courses.
5. What happens if I drive without insurance in Oregon?
Driving without insurance in Oregon can result in fines, suspension of your driving privileges, and vehicle towing. Repeat offenses may lead to more severe penalties, including higher fines and extended suspension periods.
6. Are there any discounts available for young drivers in Oregon?
Yes, young drivers in Oregon can often receive discounts for maintaining good grades, completing approved driver education courses, and having a safe driving record. It’s best to consult with your insurance provider to see what specific discounts might be available.
7. How do I file a car insurance claim in Oregon?
To file a claim, contact your insurance provider as soon as possible after an accident. Provide them with all the necessary documentation and information, such as the accident report and details about the damages and any injuries. Follow their guided process for assessing damages and receiving compensation.
8. What should I do if my insurance claim is denied in Oregon?
If your claim is denied, you can appeal the decision with your insurance company. Review the reasons for denial, ensure all documentation was correctly submitted, and check if additional evidence is needed. If unresolved, you may consult with an insurance lawyer or contact the Oregon Insurance Division for further assistance.
Conclusion
In conclusion, finding the best car insurance in Oregon requires understanding the different types of coverage available, recognizing factors that influence your premiums, and comparing quotes from various providers. By now, you should have a clearer idea of how to navigate the landscape of car insurance options, ensuring you choose a policy that fits both your needs and budget.
We highly encourage you to take the next step and get a free quote today. Comparing car insurance quotes can potentially save you hundreds of dollars annually while ensuring you receive comprehensive protection tailored to your specific circumstances. Don’t miss out on the opportunity to secure your vehicle with the best possible insurance—get your free quote now and drive with confidence and peace of mind in Oregon.
References
For further reading and to validate the information provided on car insurance in Oregon, consider exploring the following reputable sources:
- Oregon Department of Transportation – This government site offers comprehensive details on vehicle registration, legal requirements, and insurance policies mandatory in Oregon. Visit Oregon DOT
- Insurance Information Institute – As a trusted resource, the III provides in-depth insights and data on car insurance rates, coverage options, and consumer safety tips. Explore Insurance Information Institute
- Consumer Reports – Known for unbiased reviews and information, Consumer Reports offers guidance on choosing the best car insurance based on customer satisfaction and price. Read more at Consumer Reports
- NerdWallet – This site compares different insurance providers in Oregon, providing rankings and reviews that help consumers make informed decisions. Check NerdWallet’s Guide
Each of these sources is authoritative and offers up-to-date information, helping readers navigate the complexities of car insurance in Oregon effectively.
