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These are the top companies for auto insurance in the state of Oregon, no matter your ZIP code or driving record.
On average, drivers in Oregon pay $1,839 each year for full coverage auto insurance, or about $153 monthly. That’s right around the national full coverage average of $1,924 per year, or $160 monthly. Minimum coverage averages $964 annually ($80 monthly), which is higher than the national average. Still, premiums depend on a number of factors unique to you, such as your desired coverage levels, where you live, any at-fault accidents and potential discounts.
When we researched the best auto insurance providers in Oregon, we found that Liberty Mutual is the best option for add-ons, USAA is our favorite provider for military members and their families, and Allstate is the best provider for drivers looking to bundle policies.
Editor’s note: We updated this Oregon car insurance guide to include the latest pricing, coverage and customer satisfaction information.
The average cost of full-coverage auto insurance in Oregon is $1,839 annually, or $153 monthly. That’s around 4 percent less than the national auto insurance average of $1,924 per year, or $160 per month.
Auto insurance rates vary significantly based on the driver’s vehicle, driving history and other factors. To get the most accurate and affordable rates, we recommend comparing quotes from at least two providers.
Area | Average annual premium for full coverage | Average monthly premium for full coverage |
---|---|---|
Oregon | $1,839 | $153 |
National | $1,924 | $160 |
Minimum coverage in Oregon typically costs $964 per year, or $80 per month. That’s around 76 percent more than the national average of $547 per year, or $46 per month.
Area | Average annual premium for minimum coverage | Average monthly premium for minimum coverage |
---|---|---|
Oregon | $964 | $80 |
National | $547 | $46 |
The cost of auto insurance varies significantly by location, with drivers in major cities usually paying more than those in rural areas. Among major Oregon cities, Gresham has some of the highest rates, with an average annual premium of $2,305 ($192 monthly) for full coverage. The state’s largest city, Portland, comes in second highest, at $2,195 annually ($183 monthly). Costs in Eugene are some of the lowest among Oregon’s large cities, at an average of $1,630 annually ($136 monthly) for full coverage — lower than the statewide average.
City | Average annual premium | Average monthly premium |
---|---|---|
Eugene | $1,630 | $136 |
Gresham | $2,305 | $192 |
Hillsboro | $1,921 | $160 |
Portland | $2,195 | $183 |
Salem | $1,897 | $158 |
Best Auto Insurance in Oregon for Add-Ons: Liberty Mutual
Best Auto Insurance for Military and Veterans in Oregon: USAA
Best Auto Insurance for Bundling in Oregon: Allstate
Best Auto Insurance for Pay Per Mile in Oregon: Nationwide
Best Auto Insurance for Teen Drivers and Their Families in Oregon: GEICO
Company | Full coverage average | Minimum coverage average | Who it’s best for | Discounts | J.D. Power Regional Satisfaction score1 | AM Best financial strength rating2 |
---|---|---|---|---|---|---|
Liberty Mutual | $1,987 (national rate) | $719 (national rate) | Drivers looking for add-ons | Homeowner, military, early shopper, good student, student at school, claim-free, violation-free, telematics, bundling, multicar, preferred payment, online purchase, and paperless | 571 | A |
USAA | $1,334 | $724 | Military and veterans | Bundling, telematics, good student, multivehicle, vehicle in storage, low mileage, automatic payment, early quote, safety features, new car, loyal member, and good driver | 743 | A++ |
Allstate | $2,739 | $1,440 | Drivers looking to bundle multiple insurance policies | Bundling, multivehicle, new car, early signing, automatic payment, pay in full, responsible payer, student, safety features, paperless, safe driving, and telematics | 626 | A- |
Nationwide | $1,716 | $1,188 | Drivers looking for pay-per-mile discounts | Bundling, multivehicle, telematics, accident-free, good student, defensive driver course, anti-theft device, violation-free, and automatic payment | N/A | A+ |
GEICO | $1,810 | $663 | Teen drivers and their families | Vehicle equipment, good driver, defensive driver course, good student, emergency deployment, military, federal employee, multivehicle, multipolicy | 637 | A++ |
Liberty Mutual offers an extensive list of add-ons and coverage types that are not offered by other insurers, such as gap insurance and accident forgiveness. Along with its robust coverage options, Liberty Mutual provides a great range of discounts.
Pros + Cons
✓ Extensive list of discounts
✓ Wide range of add-on coverage options
X Mixed customer satisfaction scores
Along with standard coverage types, Liberty Mutual offers a range of add-ons and coverage options that are not always available from other providers. These include new/better car replacement, gap insurance, a diminishing deductible and more.
Coverage | Details |
---|---|
Accident forgiveness | Drivers who opt for accident forgiveness will not see their premiums increase after their first at-fault accident. Those who remain accident-free for five years may automatically qualify for accident forgiveness. See below for more details. |
New/better car replacement | If your car is totaled, Liberty Mutual pays to replace it with the same vehicle one model year newer, with 15,000 fewer miles. Better-car replacement is not available for leased cars. |
Gap insurance | This covers the difference between the actual cash value of a leased or financed car and the amount still owed on the loan, if the car is totaled or stolen. Gap insurance must be purchased at the same time as the car, and you must be the first owner. |
Mexico insurance | If you’re planning a trip to Mexico, add temporary Mexico insurance through Liberty Mutual’s partner organization, MexPro. Mexico insurance is customizable, so you can determine the type of coverage needed for your trip. |
Original parts replacement | Original parts replacement coverage, or original equipment manufacturer coverage, helps ensure that any repairs made to your car are completed with the same parts from the same company where possible. It’s good for cars with unique parts, like Teslas. |
Lifetime repair guarantee | For as long as you own the vehicle, Liberty Mutual guarantees repairs. If you choose to have your car fixed at one of its repair guarantee facilities, Liberty Mutual pays the repair shop directly. |
Diminishing deductible | Also known as a “deductible fund,” Liberty Mutual’s diminishing deductible means you pay $30 per year toward your deductible and Liberty Mutual pays $70. In the event of a claim, your deductible is lowered by the amount in your deductible fund, $100 each year. To qualify, you’ll need collision coverage with a deductible. |
Even the safest drivers get into accidents. In Oregon, an at-fault accident will increase your premiums by about 50 percent, on average. The most recent data from the Oregon Department of Transportation reports 1,642 crashes in 2023.3
Liberty Mutual offers accident forgiveness as an add-on. In the event you cause an accident, the add-on helps you avoid increases in your insurance premiums. You can use accident forgiveness once per policy, and anyone on the policy can use it. It’s a particularly good idea for families with teen drivers, as teens are more likely to speed, drive distracted, or engage in otherwise risky behavior behind the wheel.
A great way to save on auto insurance is to shop around for discounts. Liberty Mutual offers an array of discounts, several of which are easy to qualify for:
PERKS FOR TEACHERS:
Oregon’s public schools alone employ 30,284 full-time teachers.4 Liberty Mutual offers savings for teachers as well as $0 deductibles for vandalism or collision damages that occur on school property or on school business.
Liberty Mutual is a good choice for Oregonians who want to manage their auto policy digitally. The Liberty Mutual mobile app holds a 4.6-star rating on Google Play and a 4.8 rating on the App Store.
Provider | iOS rating | Android rating |
---|---|---|
Liberty Mutual | 4.8 / 5 stars | 4.6 / 5 stars |
USAA | 4.8 / 5 stars | 4.7 / 5 stars |
Allstate | 4.8 / 5 stars | 4.0 / 5 stars |
Nationwide | 4.7 / 5 stars | 4.5 / 5 stars |
GEICO | 4.8 / 5 stars | 4.6 / 5 stars |
You can use the app to do the following:
TIP:
Like nearly all states, Oregon allows drivers to provide proof of insurance electronically.
Liberty Mutual also scored well in the J.D. Power Insurance Digital Experience Study, which looked at consumers’ experiences both as new customers seeking quotes and existing customers managing their policies. Liberty Mutual scored right around the average (one point below) in the Shopping segment and above average in the Service segment.
As of 2023, Oregon was home to over 261,000 veterans.6 Founded in 1922, USAA has a number of services, including auto loans and insurance, for individuals affiliated with the U.S. military, as well as their children and grandchildren. It offers some of the most competitive rates in the country, including in Oregon, and has a strong track record of customer satisfaction.
Pros + Cons
✓ Low rates
✓ High customer satisfaction
X Limited availability
Of our top picks, USAA offers the lowest rates for full coverage in Oregon. Its annual rate of $1,334 ($111 monthly) is $505 (27 percent) less than the statewide average.
For those not affiliated with the military, Nationwide is the second-cheapest provider in Oregon.
Provider | Average annual premium for full coverage | Average monthly premium for full coverage | Average annual premium for minimum coverage | Average monthly premium for minimum coverage |
---|---|---|---|---|
Liberty Mutual | $1,987 | $166 | $719 | $60 |
USAA | $1,334 | $111 | $724 | $60 |
Allstate | $2,739 | $228 | $1,440 | $120 |
Nationwide | $1,716 | $143 | $1,188 | $99 |
GEICO | $1,810 | $151 | $708 | $59 |
USAA also offers a wide variety of discounts. The following discounts can help you keep your monthly premiums low:
Discount | Details |
---|---|
SafePilot | Save 10% when you enroll and up to 30% for tracking driving habits — such as braking, acceleration and phone use while driving — with USAA’s SafePilot app. |
Bundling | Save up to 10% when you buy both property and auto insurance from USAA. |
Good student | Full-time students earn a 10% discount for maintaining a B average or higher in school. |
Multivehicle | If your household insures more than one vehicle on the same policy, you get a discount. |
Vehicle storage | Get a discount of up to 60% when you store your vehicle, whether due to deployment or another reason. If you garage your car on a military installation, such as Fort Lewis, you can save up to 15% on comprehensive coverage. |
Low mileage | Lower the miles you drive each year and you’ll lower your premiums too. USAA’s low-milage, usage-based discount also rewards drivers for safe driving habits. |
Automatic payments | Save 3% when you save up automatic payments for your insurance premiums. |
Early quote | If you’re switching to USAA from another company, you’ll save 3% if you purchase the new policy at least seven days before it starts. |
Vehicle features | Get a discount if your vehicle is three model years old or newer. Regardless of your vehicle’s age, you can save if it has an antitheft device. |
Loyal member | If you’re transitioning off your parents’ insurance policy to your own, you save 10% by staying with USAA. |
Good driver | Taking an approved defensive driver or driving training course or maintaining a good record for five years will save you on auto insurance. |
If you or someone in your household drives for a rideshare company ― regardless of whether they transport passengers, food or other items ― it’s wise to purchase rideshare coverage.
While rideshare companies must offer liability coverage, it doesn’t kick in until you’ve picked up a passenger. However, once the app is on, most insurance companies consider you driving for commercial purposes and your personal policy will not apply. In other words: when the app is on and you’re waiting to match with a passenger or on your way to pick them up, you’re not insured.
However, when you purchase rideshare coverage, USAA will extend the protections of your personal policy to the times when you’re driving, closing the gap in protection.
TIP:
Uber and Lyft have the following vehicle requirements in Oregon:
Whether you’re a driver with a clean history or someone with a recent DUI or at-fault accident, USAA offers some of the most affordable rates for high-risk drivers in Oregon.
High-risk drivers can almost always expect their premiums to increase significantly. In Oregon, drivers with a DUI conviction can expect an average premium of around $2,779. Drivers who have recently been involved in an accident can expect their annual premiums to increase to $2,589, on average.
Provider | Average annual premium after a DUI | Average monthly premium after a DUI | Average annual premium after a recent at-fault accident | Average monthly premium after a recent at-fault accident |
---|---|---|---|---|
Liberty Mutual | Data not available | Data not available | Data not available | Data not available |
USAA | $1,949 | $162 | $1,886 | $157 |
Allstate | $3,440 | $287 | $4,287 | $357 |
Nationwide | $2,630 | $219 | $2,279 | $190 |
GEICO | $3,856 | $321 | $3,188 | $266 |
USAA’s average annual rate for drivers with a DUI is $830 less per year than the statewide average. Drivers with a recent accident can expect to pay around $703 less than the statewide average with USAA.
Allstate is the fourth-largest auto insurer in the U.S. and a popular choice for drivers across the country. It offers some of the best bundling rates of any of our providers, including great savings for homeowners who choose to insure both their home and vehicle with Allstate. It also offers some less-common coverages, such as classic-car insurance.
Pros + Cons
✓ Fast online quotes
✓ Range of coverage add-ons
X Not the cheapest provider
For drivers looking to save through bundling, Allstate provides opportunities to combine multiple insurance policies with auto coverage. As an existing Allstate customer, you can access substantial discounts by adding other types of coverage. For instance, if you need renters insurance, you can bundle it with your auto policy for as little as $4 more per month.
Allstate offers the following types of insurance, which could qualify you for discounts if they are bundled with your auto insurance:
With Allstate, you can shop and manage your policy both online and with a local agent. In contrast, providers like Liberty Mutual and GEICO rely more heavily on an online model.
For those who prefer to work with an agent, Allstate has offices around the state, including in these locations:
If you own a classic car, Allstate offers special coverage to ensure your car is fully protected in the event of an accident or theft. Allstate stands out in that it offers coverage for an array of classic and collector vehicles, including the following:
An Allstate agent will work with you to assign the vehicle an agreed value when they write the policy. This ensures you will receive adequate compensation in the event you need to repair or replace your vehicle after a covered incident.
If you use your vehicle mainly for local trips, Nationwide is a good option, as it’s one of the best companies for pay-per-mile insurance in Oregon. In addition to its pay-per-mile discount option, Nationwide has a strong track record of customer satisfaction, and like Liberty Mutual, it offers a wide range of coverage options and add-ons.
Nationwide offers an array of coverage options, add-ons and perks.
Pros + Cons
✓ Cheap rates
✓ Local agents
X No rideshare coverage
According to the U.S. Department of Transportation, Oregonians drive about 36 billion miles each year, or about 11,900 annual miles per driver, on average. That’s 1,500 miles below the national average of 13,400.7
For drivers who don’t spend much time on the road, Nationwide offers a pay-per-mile program called SmartMiles. This program calculates premiums based on mileage, combining a fixed base rate with a variable cost that’s determined by the number of miles driven in the previous month. As a result, SmartMiles customers can expect their premiums to fluctuate from month to month, depending on their driving habits.
Drivers who live close to work, do not commute (or rarely commute), or have an extra car they do not drive frequently are most likely to benefit from SmartMiles.
SmartMiles includes these features:
GOOD TO KNOW
The majority of vehicles manufactured after 1996 are eligible for SmartMiles, though some hybrid or diesel powered cars may not be eligible.
Like Liberty Mutual, Nationwide offers several add-ons that are not offered by all insurers.
Add-on/Coverage option | Details |
---|---|
Gap coverage | If your financed or leased vehicle is a total loss, Nationwide will pay the difference between the actual cash value and what you owe in car payments. |
Vanishing deductible | For every year of safe driving, your deductible decreases by $100, up to $500 total. |
Total loss deductible waiver | In the event of a total loss, Nationwide will waive your comprehensive or collision insurance deductible. |
New-car replacement | If your car is a total loss, Nationwide will pay to replace it with a new vehicle. |
Nationwide also has a loyalty rewards program, which has the following perks:
Loyalty reward | Description |
---|---|
Car key replacement | If you lose your key, Nationwide will reimburse you up to $400 to replace it and gain entry to your vehicle. |
Fender bender forgiveness | If you’re involved in a fender bender or minor accident, Nationwide won’t raise your premiums if the property damage or collision claim payout is under $2,000, even if you’re at fault. There is no limit on the number of times you can use this feature. |
Special deductible provision | If you experience a loss involving both auto and property, Nationwide will waive or reimburse the lower deductible. |
Repair guarantee | Nationwide guarantees repairs from in-network shops for as long as you own or lease your vehicle. |
Navigating insurance can be complicated, even for the savviest of consumers. Not to mention, life changes like moving or getting married can change your insurance needs too.
As a perk, Nationwide offers customers a free review of their policies with one of the company’s insurance professionals. You can take advantage of this benefit every year or whenever you experience a major life event. For example, the following events might change your insurance needs:
Nationwide’s free assessment, called an On Your Side Review, gives you a chance to discuss your policy with a professional and decide whether any changes are warranted. With your agent, you might:
GEICO has been selling insurance for over 85 years and advertises that drivers can save over $700 if they switch. In Oregon, GEICO has the most affordable rates for teen drivers and their families. It also offers a plethora of discounts, including a military discount, a federal employee discount, and additional discounts specifically for teens and young drivers.
Pros + Cons
✓ Affordable rates for families with teens
✓ Great online tools
X Few agents
Oregon is home to several major universities, such as Oregon State University, the University of Oregon, and Portland State University. Adding teens or young drivers to your car insurance can be expensive. Aside from USAA, whose availability is limited to military members and their families, GEICO has the lowest auto insurance rates among our top picks for teens in Oregon. The average rate for a policy with a teen is $4,598 per year, or $383 per month.
Provider | Average annual premium with a teen driver in Oregon | Average monthly premium with a teen driver in Oregon |
---|---|---|
Liberty Mutual | Data not available | Data not available |
USAA | $3,081 | $257 |
Allstate | $8,911 | $743 |
Nationwide | $6,607 | $551 |
GEICO | $4,598 | $383 |
GOOD TO KNOW
Adding a teen to your existing policy is almost always significantly cheaper than buying a separate policy specifically for them. Learn more about adding a teen driver to your car insurance.
GEICO also offers a couple of discounts for teens and their families:
Additionally, drivers in their early 20s, who also have higher-than-average rates, may be able to take advantage of GEICO’s good driver discount, which applies to drivers who haven’t been in an accident for the past five years.
Along with USAA, GEICO has some of the highest third-party ratings from both AM Best and S&P, which means GEICO has sufficient credibility to pay out claims.
Provider | AM Best rating | S&P rating |
---|---|---|
Liberty Mutual | A | A |
USAA | A++ | AA+ |
Allstate | A- | AA- |
Nationwide | A | A+ |
GEICO | A++ | AA+ |
All of the providers we’ve listed have a rating of at least an AA-, meaning you are unlikely to run into issues getting your claims paid due to financial strength issues.
If you’re one of Oregon’s 400,000 small business owners, you may benefit from GEICO’s commercial auto insurance.8 This coverage protects any cars, trucks or vans used for your business. Like standard auto insurance, commercial coverage protects against vehicle damage and helps cover the cost of injuries caused in an accident.
GEICO offers competitive rates for its commercial insurance, as well as strong customer service and online account management.
GEICO offers the following types of commercial insurance policies:
To select the top car insurance providers in Oregon, we assessed companies across four main factors: cost, claims process, customer experience, and coverage selection. Here’s how we evaluated each category:
By focusing on these criteria, we provided a thorough and data-centric overview of the top car insurance options in Oregon.
USAA ($1,334 annually), Nationwide ($1,716) and GEICO ($1,810) have some of the cheapest full-coverage car insurance in Oregon. On average, full coverage auto insurance in Oregon costs $1,839 per year, or $153 per month.
Oregon does not have a government assistance program for low-income drivers, only high-risk drivers who can’t find coverage elsewhere. However, GEICO, Nationwide and Country Financial tend to have the lowest rates for drivers with low credit. You can save money by purchasing minimum coverage, switching to a pay-per-mile plan if you don’t drive much, or taking advantage of other auto insurance discounts.
In Oregon, drivers must carry the following insurance coverages at a minimum:
Coverage | Limits |
---|---|
Bodily injury liability insurance per person | $25,000 |
Bodily injury liability per accident | $50,000 |
Property damage liability per accident | $20,000 |
Personal injury protection per person | $15,000 |
Uninsured motorist bodily injury liability per person | $25,000 |
Uninsured motorist coverage per accident (bodily injury) | $50,000 |
Yes, Oregon law requires all drivers to have car insurance. Driving without insurance in Oregon is illegal and can result in the following penalties:
2024 U.S. Auto Insurance Study. J.D. Power. (2024, June 11).
https://www.jdpower.com/business/press-releases/2024-us-auto-insurance-study
Ratings Services. AM Best. (n.d.).
https://web.ambest.com/ratings-services
Federal Reportable Motor Carrier Crashes and Rates: 2020 to 2023. Oregon Department of Transportation. (2024, June 10).
https://www.oregon.gov/odot/Data/Documents/Fed_Motor_Carrier_Crash_Rates.pdf
Public Education. Oregon Blue Book. (n.d.).
https://sos.oregon.gov/blue-book/Pages/education-public.aspx
2024 U.S. Insurance Digital Experience Study. J.D. Power. (2024, May 30).
https://www.jdpower.com/business/press-releases/2024-us-insurance-digital-experience-study
Oregon Population 2024. World Population Review. (n.d.).
https://worldpopulationreview.com/states/oregon
Vehicle miles traveled by state and functional system: 2021. Federal Highway Administration (FHWA). (2021).
https://www.fhwa.dot.gov/policyinformation/statistics/2021/vm3.cfm
Number of small businesses in Oregon, US on the rise. Oregon Public Broadcasting. (2024, September 3).
https://www.opb.org/article/2024/09/03/oregon-small-business-businesses