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Icon CheckLast updated: January 3, 2025

The Best Car Insurance in Oregon

These are the top companies for auto insurance in the state of Oregon, no matter your ZIP code or driving record.

Best Auto Insurance for Add-Ons
Liberty Mutual Logo

Full Coverage Averages

  • Annual premium: $1,987
  • Monthly premium: $166

Read our Liberty Mutual review.

Best Auto Insurance for Military and Veterans
USAA Logo 2023

Full Coverage Averages

  • Annual premium: $1,334
  • Monthly premium: $111

Read our USAA review.

Best Auto Insurance for Bundling
Allstate Logo 2023

Full Coverage Averages

  • Annual premium: $2,739
  • Monthly premium: $228

Read our Allstate review.

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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.

Average Cost of Auto Insurance in Oregon

Full Coverage Rates

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 Rates

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

Car Insurance Rates by City

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

Blue CarBest Auto Insurance in Oregon

  1. Liberty Mutual – Best Auto Insurance for Add-Ons in Oregon
    Robust coverage options, discounts and digital tools make Liberty Mutual our top choice for insurance in Oregon. It’s known for its numerous optional coverages and add-ons.
  2. USAA – Best Auto Insurance for Military and Veterans in Oregon
    USAA offers financial services, including auto insurance, to military members, veterans and their families. If you qualify, it’s an excellent choice for affordable insurance that does not sacrifice the customer experience.
  3. Allstate – Best Auto Insurance for Bundling in Oregon
    For drivers looking to bundle, Allstate offers a nice discount when you also buy a home or renters policy. The company also offers several discounts for young drivers.

Summary of the Best Auto Insurance in Oregon

  1. 1.

    Best Auto Insurance in Oregon for Add-Ons: Liberty Mutual

  2. 2.

    Best Auto Insurance for Military and Veterans in Oregon: USAA

  3. 3.

    Best Auto Insurance for Bundling in Oregon: Allstate

  4. 4.

    Best Auto Insurance for Pay Per Mile in Oregon: Nationwide

  5. 5.

    Best Auto Insurance for Teen Drivers and Their Families in Oregon: GEICO

Comparison of the Best Auto Insurance in Oregon

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++

Detailed List: Find the Best Car Insurance Companies in Oregon

1. Best Auto Insurance in Oregon for Add-Ons - Liberty Mutual

What We Like Most:

  • Save up to 30 percent with driver monitoring program
  • Cheap average rates
  • Over 2,000 local agents throughout the U.S.

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

ProsWho It's Best For
  • pro
    Drivers who are looking for gap insurance and new-car replacement
  • pro
    People who frequently drive to Mexico
  • pro
    Teachers, who get special perks
  • pro
    People who plan to shop and manage their policies online
ConsWho It's Not Best For
  • con
    Rideshare drivers
  • con
    Customers who want a pay-per-mile plan

Extensive Add-Ons and Coverage Options

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.

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.
  • Claim-free: Get a discount for having a claims-free driving history.
  • Violation-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 premium.
  • 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.

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.

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.

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:

  • 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

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.5

2. Best Auto Insurance for Military and Veterans in Oregon - USAA

What We Like Most:

  • Cheapest rates for teens on a family policy or on their own
  • Special discount for teens transitioning off their parents’ policy
  • Strong customer service and claims process

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

ProsWho It's Best For
  • pro
    Military members (including reserves), veterans and their families
  • pro
    Rideshare drivers
  • pro
  • pro
    Drivers planning to finance a vehicle
ConsWho It's Not Best For
  • con
    Oregonians not affiliated with the U.S. military
  • con
    People who need gap insurance and didn’t finance with USAA

Low Rates and Good Discounts

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.

Quality Rideshare Coverage

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:

  • Portland: 10-year-old vehicle or newer with a phone mount, fire extinguisher and first-aid kit in the vehicle
  • Eugene: 15-year-old vehicle or newer with a phone mount and first aid kit
  • All other Oregon cities: 16-year-old vehicle or newer
  • Four doors and five to eight seats, including the driver’s
  • Not titled as salvaged or rebuilt

Affordable Rates for High-Risk Drivers

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.

3. Best Auto Insurance for Bundling in Oregon - Allstate

What We Like Most:

  • Three ways to earn a student discount
  • Pay-per-mile option for drivers with low mileage
  • No waiting period to purchase accident forgiveness

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

ProsWho It's Best For
  • pro
    Drivers looking to bundle multiple policies
  • pro
    Customers who want to work with a local agent
  • pro
    Classic car ownersOregonians who own their homes
ConsWho It's Not Best For
  • con
    High-risk drivers, like someone with a DUI

Great Bundling Options

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:

  • Motorcycle
  • Off-road
  • Snowmobile
  • Boat
  • Motorhome/RV
  • Homeowners
  • Renters
  • Condo
  • Landlord
  • Flood
  • Term life
  • Universal life
  • Whole life
  • Business owners
  • Commercial auto
  • Small business
  • Personal umbrella
  • Pet insurance
  • Event insurance
  • Travel insurance
  • Jewelry insurance
  • Collectibles insurance

Many Local Agents

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:

  • Albany
  • Astoria
  • Beaverton
  • Bend
  • Clackamas
  • Coos Bay
  • Corvallis
  • Cottage Grove
  • Dallas
  • Eugene
  • Grants Pass
  • Gresham
  • Happy Valley
  • Harrisburg
  • Hermiston
  • Hillsboro
  • Hood River
  • Klamath Falls
  • La Grande
  • Lake Oswego
  • Medford
  • Milwaukie
  • Newberg
  • North Plains
  • Oregon City
  • Portland
  • Redmond
  • Roseburg
  • St. Helens
  • Salem
  • Sandy
  • Sherwood
  • Silverton
  • Springfield
  • Stayton
  • Tigard
  • West Linn
  • Wilsonville

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.

4. Best Auto Insurance for Pay Per Mile in Oregon - Nationwide

What We Like Most:

  • Discounts for taking a defensive driver course
  • Network of local agents
  • Usage-based insurance program for low-mileage drivers

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

ProsWho It's Best For
  • pro
    Low-mileage drivers, like retirees and remote workers
  • pro
    Drivers with clean records
  • pro
    Customers who want to review their insurance needs with a Nationwide professional
  • pro
    Oregonians with low credit
ConsWho It's Not Best For
  • con
    Rideshare drivers
  • con
    Military members

Pay Per Mile with SmartMiles

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:

  • Safe driving discount: A 10 percent discount is applied for safe drivers after the first renewal.
  • Mileage tracking: After you opt in to the SmartMiles program, Nationwide sends a small distance monitoring device to attach to your vehicle.
  • Road trip exception: SmartMiles counts only your first 250 miles per day, so you won’t incur significant costs for an occasional road trip.
  • Online access: Drivers can monitor their driving in the SmartMiles app or online. The SmartMiles app has a rating of 4.3 out of 5 stars from Android users and 4.6 out of 5 stars from iOS users.

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.

Range of Add-Ons and Coverage Options

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.

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
5. Best Auto Insurance for Teen Drivers and Their Families in Oregon - GEICO

What We Like Most:

  • Save money with defensive driving courses
  • Cheapest rates after a speeding ticket
  • Save by installing safety equipment

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

ProsWho It's Best For
  • pro
    Teen drivers and their families
  • pro
    Drivers with clean records
  • pro
    Federal government employees, including retirees
  • pro
    Customers who like to shop and manage their policies online
ConsWho It's Not Best For
  • con
    People who prefer to work with local agents
  • con
    Homeowners (GEICO doesn’t underwrite its own home insurance policies)

Cheap Rates for Teen Drivers

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:

  • Good student discount: Full-time students who maintain a 3.0 or higher GPA may be eligible for a discount of up to 15 percent.
  • Driver’s education discount: Young drivers who complete a driver’s ed course get a discount.

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.

Excellent Financial Strength

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.

GEICO Commercial Insurance

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:

  • Truck insurance
  • Cargo insurance
  • Box truck insurance
  • Nontrucking liability insurance
  • Dump truck insurance
  • Owner-operator insurance

Methodology - Why You Can Trust Our Reviews

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:

  • Cost (40%): We looked at the average annual costs for full and minimum coverage for a good driver profile in Oregon. We also reviewed average premiums for high-risk driver profiles, including those with DUIs and recent at-fault accidents. Finally, we looked at the available discounts, like usage-based, bundling, and good student discounts. We used Oregon minimum limits for minimum-coverage pricing. For full-coverage pricing, we used the following limits:
    • Bodily injury liability: $100,000 per person/$300,000 per accident
    • Property damage liability: $50,000 per accident
    • Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident
    • Comprehensive and collision: $500 deductible
  • Claims process (25%): We prioritized a provider’s ability to offer an efficient and just claims process. We reviewed third-party studies from sources like J.D. Power’s Auto Claims Satisfaction Study for companies operating in Oregon. We also looked at financial strength ratings from AM Best to ascertain a provider’s ability to fulfill claim payouts.
  • Customer experience (25%): We assessed the complete journey of getting a quote, buying a policy, and dealing with the provider based on these factors: the ease of retrieving an online quote and buying a policy, and regional customer satisfaction scores (J.D. Power U.S. Auto Insurance Study) for Oregon.
  • Coverage selection (10%): We prefer companies that carry additional coverage offerings beyond the minimum requirements in Oregon. These coverage types include gap coverage, accident forgiveness, and rental reimbursement.

By focusing on these criteria, we provided a thorough and data-centric overview of the top car insurance options in Oregon.

Frequently Asked Questions

What are the cheap car insurance companies in Oregon for full coverage?

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.

Where can I find low-income car insurance in Oregon?

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.

What car insurance do you need in Oregon?

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

Is it a law to have car insurance in Oregon?

Yes, Oregon law requires all drivers to have car insurance. Driving without insurance in Oregon is illegal and can result in the following penalties:

  • Suspension of your driver’s license and vehicle registration
  • Minimum $265 in fines and a $75 license reinstatement fee
  • SR-22 requirement for three years
  • Possibility of vehicle impoundment
Maya Afilalo Headshot MBA Photo
Written by:Maya Afilalo
Managing Editor & Industry Analyst
Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.

Citations

  1. 2024 U.S. Auto Insurance Study. J.D. Power. (2024, June 11).
    https://www.jdpower.com/business/press-releases/2024-us-auto-insurance-study

  2. Ratings Services. AM Best. (n.d.).
    https://web.ambest.com/ratings-services

  3. 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

  4. Public Education. Oregon Blue Book. (n.d.).
    https://sos.oregon.gov/blue-book/Pages/education-public.aspx

  5. 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

  6. Oregon Population 2024. World Population Review. (n.d.).
    https://worldpopulationreview.com/states/oregon

  7. Vehicle miles traveled by state and functional system: 2021. Federal Highway Administration (FHWA). (2021).
    https://www.fhwa.dot.gov/policyinformation/statistics/2021/vm3.cfm

  8. 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

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