The Best Car Insurance in Oregon

With 13.7 million auto policies nationally, Liberty Mutual is the sixth-largest insurer in the country. It’s got a great list of discounts that will help you save on premiums, plus a variety of coverages and policy types, such as pet, life or identity theft insurance that you won’t find everywhere else.

Extensive Coverage and Add-On Options

Liberty Mutual offers all of the coverages you expect to find with an insurance provider, such as:

• Bodily injury and property damage liability
• Collision and comprehensive
• Personal injury protection
• Uninsured motorist
• Rental reimbursement
• Towing and labor

In addition, Liberty Mutual has coverage options, add-ons and perks that not every company offers. These include:

• New/better car replacement
• Lifetime repair guarantee
• Gap insurance
• Diminishing deductible
• Mexico insurance
• Original parts replacement
• Accident forgiveness
• Discounts and other benefits for teachers

Good List of Discounts

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:

• Bundling: Save when you buy more than one policy with Liberty Mutual, such as auto and renters.
• Multicar: If your household has multiple cars, lower your bills by putting them on the same policy.
• Preferred payment: Get a discount for enrolling in automatic payments or paying your policy premiums in one or two installments.
• Online purchase: You save for completing your auto insurance purchase online.
• Paperless: When you enroll in paperless billing, you get a discount.
• RightTrack: Save up to 30 percent by tracking your driving habits with Liberty Mutual’s RightTrack app.
• Claims-free: Get a discount for having a claims-free driving history.
• Violations-free: If you have no violations on your record, you get a discount.
• Homeowner: Owning a home saves you money, even if you don’t insure it with Liberty Mutual.
• Military: Military members who are active duty, reserve or veterans get a discount.
• Good student: If you’re a student, maintaining a B average or higher will lower your premiums.
• Early shopper: If you’re switching to Liberty Mutual from another company, get a quote before your current policy expires to earn this discount. To see your lowest car insurance rates in Oregon, compare quotes from multiple companies.

Strong Digital Tools

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. You can use the app to do the following:

• Access your ID cards and save them in your virtual wallet for proof of insurance
• Pay bills, enroll in autopay and update billing preferences
• File and track auto claims
• Request roadside assistance

Oregon is home to about 14,000 military members, approximately 9,400 of which serve in a reserve capacity.⁵ The state government reports that about 259,000 veterans live in Oregon as well.⁶ Founded in 1922, USAA has a number of services, including auto loans and insurance, to individuals affiliated with the United States military. It offers some of the most competitive rates around the country, including in Oregon and has a strong track record of customer satisfaction.

Low Rates and Good Discounts

Nationally, USAA tends to offer cheaper rates than other companies and Oregon is no exception. The average annual cost of a USAA auto insurance policy in Oregon is $770 or $65 a month. That’s about one-third less than the state average. The following discounts can help you keep your monthly premiums low with USAA:

Quality Rideshare Coverage

If you or someone in your household drives for a rideshare company ― whether transporting passengers, food or another similar service ― 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.

Excellent Customer Satisfaction

For the past two years, USAA has outscored the competition in customer satisfaction in the Northwest region, according to studies from the independent agency J.D. Power. Most recently, it beat out the next-highest-rated insurer, The Hartford, by nearly 40 points.

When it comes to claims satisfaction, USAA scored in the top five among insurers nationally. If you need to file a claim, you can check its status 24/7 through the USAA website and mobile app.

If you mainly use your vehicle for local trips, Allstate is a good option as it’s one of the best companies for pay-per-mile insurance in Oregon. Allstate also stands out for its classic car coverage, bundling options and young driver discounts.

Pay-Per-Mile Insurance

According to the U.S. Department of Transportation, Oregonians drive about 36 billion miles each year, which averages to approximately 11,900 annual miles per driver. That’s 1,500 miles below the national average of 13,400.⁷

If you drive only occasionally — for example, because you work from home, take public transportation or are retired — a pay-per-mile plan could save you money. Currently, Allstate offers its pay-per-mile plan Milewise in 21 states, including Oregon.

With Milewise, you pay a daily rate for insurance plus a per-mile rate. For example, let’s say you drive 15 miles per day on average:

Allstate captures your mileage with a device in your vehicle and you can track your mileage and costs with the Allstate app. If you have multiple vehicles on the same policy, they don’t all have to be on Milewise; for each vehicle, you choose whether the policy classifies it as per-mile or traditional unlimited mileage.

Discounts for Young Drivers

Oregon is home to several major universities, such as Oregon State, the University of Oregon and Portland State University. Adding teens or young drivers to your car insurance can be expensive as they pay more due to their lack of experience and increased likelihood of getting into an accident. Allstate is unique in that it offers several ways to earn its student discount, which can help young drivers and their families save on premiums.

To qualify, the driver must be unmarried, be under the age of 25 and fulfill just one of the following requirements:

• Maintain a minimum B-minus average, which is equivalent to a 2.7 GPA (most companies require a B average/3.0 GPA)
• Complete Allstate’s teenSMART driver education program
• Attend school at least 100 miles away from where the car is garaged

Classic Car Coverage

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:

• Traditional antiques and classics
• Modern classics from the 1980s, 1990s and 2000s
• Collector vehicles valued for their unique appeal rather than vintage status, such as Mazda Miatas, Chevrolet Corvettes or Ford Mustangs
• Classic trucks and SUVs
• Modified vehicles, replicas and hot rods
• Custom builds and vehicles under restoration (some providers do not cover vehicles under restoration)
• Retired fired trucks, old military vehicles and antique tractors

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.

In addition to plentiful discounts and a strong track record for customer satisfaction, Nationwide offers an array of coverage options, add-ons and perks.

Range of Add-Ons and Coverage Options

In addition to the typical coverages, Nationwide offers the following add-ons and coverage options that not all insurers offer:

Nationwide also has a loyalty rewards program, which has the following perks:

On Your Side Review

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:

• Adding a new driver
• Buying a car
• Buying or renovating a home
• Experiencing a change in marital status
• Having a child
• Moving
• Starting a new job

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:

• Make sure you fully understand your policy and benefits
• Determine whether you hold the right amount of coverage
• Ensure you’re taking advantage of all available discounts and benefits

Accident Forgiveness

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 over 28,000 crashes per year in the state.⁸

Nationwide offers accident forgiveness as an add-on you can purchase for your policy. 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.