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Last updated: April 15, 2025
Compare Cheap Auto Insurance in Oregon
Country Financial, State Farm, and USAA are among the lowest-cost insurance providers in Oregon across most driver and coverage categories.
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Insurance costs in Oregon vary quite a bit in how they compare to national averages, depending on the driver and coverage category. While Oregon has fairly low average premiums overall, some categories — like minimum coverage and teen drivers — have average rates far above the national averages.
Oregon drivers pay $1,794 per year on average for full coverage — well below the $2,399 national average. However, minimum coverage in the state costs $1,023 per year on average, which is 61 percent higher than the national average. In a sense, this means that for most drivers (excluding, say, teenagers), the overall range of insurance premiums is not as wide as in most of the US.
Overview:
- Drivers in Oregon pay an average of $1,023 per year for minimum coverage and $1,794 for full coverage auto insurance.
- State Farm, Country Financial, and USAA typically have the lowest insurance premiums in Oregon.
- Progressive and Travelers also offer below-average rates, particularly for high-risk drivers.
Jump to:
- Cheapest full coverage auto insurance in Oregon: USAA ($1,295 annually) and Country Financial ($1,342 annually)
- Cheapest minimum coverage: USAA ($668 annually) and Progressive ($745 annually)
- Cheapest with a teen driver: Country Financial ($2,511 annually) and State Farm ($3,259 annually)
- Cheapest with a speeding ticket: State Farm ($1,392 annually) and USAA ($1,559 annually)
- Cheapest with an at-fault accident: State Farm ($1,613 annually) and USAA ($1,188 annually)
- Cheapest with a DUI: Progressive ($1,867 annually) and State Farm ($2,116 annually)
- Cheapest with low credit: Country Financial ($2,162 annually) and Progressive ($2,587 annually)
Cheapest Car Insurance in Oregon for Full Coverage: USAA and Country Financial
USAA has the lowest average rates for full coverage auto insurance in Oregon, with an average annual cost of $1,295. For those outside the military, the next-cheapest providers are Country Financial and State Farm at $1,342 per year and $1,357 per year, respectively.
| Provider | Annual Full Coverage | Monthly Full Coverage |
|---|---|---|
| USAA | $1,295 | $108 |
| Country Financial | $1,342 | $112 |
| State Farm | $1,357 | $113 |
| Travelers | $1,498 | $125 |
| Progressive | $1,596 | $133 |
| GEICO | $1,923 | $160 |
| Farmers | $2,487 | $207 |
| Allstate | $2,687 | $224 |
| Oregon
average |
$1,794 | $149 |
| National average | $2,399 | $200 |
Cheapest Car Insurance in Oregon for Minimum Coverage: USAA and Progressive
When it comes to minimum coverage auto insurance in the state of Oregon, military personnel, veterans, and their families have access to the lowest average rates, at $668 per year through USAA. Minimum coverage insurance is fairly expensive in Oregon, but nonmilitary drivers will likely find the most competitive rates through Progressive and State Farm, with average annual rates of $745 and $806 per year on average, respectively.
| Provider | Annual Minimum Coverage | Monthly Minimum Coverage |
|---|---|---|
| USAA | $668 | $56 |
| Progressive | $745 | $62 |
| State Farm | $806 | $67 |
| Travelers | $838 | $70 |
| GEICO | $1,024 | $85 |
| Farmers | $1,531 | $128 |
| Allstate | $1,699 | $142 |
| Oregon
average |
$1,023 | $85 |
| National average | $635 | $53 |
GOOD TO KNOW:
One reason Oregon has comparatively expensive minimum coverage is that it has fairly comprehensive minimum insurance requirements, including uninsured and underinsured motorist coverage. The average minimum coverage rates are higher than many other states, but the level of financial protection that comes with these policies are higher as well.
Cheapest Car Insurance in Oregon for Teen Drivers: Country Financial
Insuring a teen driver can be quite expensive anywhere in the US, and Oregon is no exception. However, Country Financial offers affordable teen auto insurance at an average annual rate of $2,511 — far below their competitors. State Farm, the next cheapest option, has average rates of $3,259 per year.
| Provider | Annual With Teen Driver | Monthly With Teen Driver |
|---|---|---|
| Country Financial | $2,511 | $209 |
| State Farm | $3,259 | $272 |
| USAA | $3,509 | $292 |
| GEICO | $4,666 | $389 |
| Travelers | $4,970 | $414 |
| Progressive | $8,768 | $731 |
| Farmers | $9,984 | $832 |
| Allstate | $10,198 | $850 |
| Oregon
average |
$5,776 | $481 |
| National average | $5,327 | $444 |
Cheapest Car Insurance in Oregon With a Speeding Ticket: State Farm
State Farm is the cheapest auto insurer on average when it comes to covering Oregon drivers with a speeding ticket on their records. At $1,392 annually, their rates are 11 percent lower on average than even USAA, which charges $1,559 annually, on average. Country Financial offers the next-lowest rates, at $1,753 per year.
| Provider | Annual With Speeding Ticket | Monthly With Speeding Ticket |
|---|---|---|
| State Farm | $1,392 | $116 |
| USAA | $1,559 | $130 |
| Country Financial | $1,753 | $146 |
| Progressive | $2,068 | $172 |
| Travelers | $2,180 | $182 |
| GEICO | $2,783 | $232 |
| Allstate | $3,002 | $250 |
| Farmers | $3,438 | $286 |
| Oregon average | $2,187 | $182 |
| National average | $2,511 | $209 |
Cheapest Car Insurance in Oregon With an At-Fault Accident: State Farm
Those with an at-fault accident on their record will likely find the lowest cost coverage from State Farm at $1,613 annually on average, followed by USAA (for military families) at $1,888 annually and Country Financial at $1,937 annually.
| Provider | Annual With At-Fault Accident | Monthly With At-Fault Accident |
|---|---|---|
| State Farm | $1,613 | $134 |
| USAA | $1,888 | $157 |
| Country Financial | $1,937 | $161 |
| Travelers | $2,094 | $174 |
| Nationwide | $2,280 | $190 |
| Progressive | $2,438 | $203 |
| GEICO | $3,343 | $279 |
| Farmers | $3,469 | $289 |
| Allstate | $4,217 | $351 |
| Oregon
average |
$2,619 | $218 |
| National
average |
$2,764 | $230 |
FYI:
If you’re involved in an accident in the state of Oregon, your insurer cannot force you to use any particular repair shop. This protects against the possibility of insurers sending drivers for subpar repairs to save costs.
Cheapest Car Insurance in Oregon With a DUI: Progressive
For drivers in Oregon with a DUI on their records, the cheapest auto insurance will typically come from Progressive, at $1,867 per year on average. State Farm and Travelers have fairly competitive average rates as well, at $2,116 and $2,239 per year, respectively.
| Provider | Annual With DUI | Monthly With DUI |
|---|---|---|
| Progressive | $1,867 | $156 |
| State Farm | $2,116 | $176 |
| Travelers | $2,239 | $187 |
| USAA | $2,421 | $202 |
| Farmers | $3,346 | $279 |
| Allstate | $3,496 | $291 |
| Country Financial | $3,586 | $299 |
| Nationwide | $3,675 | $306 |
| GEICO | $3,872 | $323 |
| Oregon
average |
$2,936 | $245 |
| National
average |
$3,305 | $275 |
Cheapest Car Insurance in Oregon With Low Credit: Country Financial
Having low credit can affect your insurance premiums. In Oregon, drivers with low credit may find the lowest premiums at Country Financial at $2,162 per year on average. Progressive ($2,587 annually) and USAA ($2,729 annually) have the next lowest average rates.
| Provider | Annual With Low Credit | Monthly With Low Credit |
|---|---|---|
| Country Financial | $2,162 | $180 |
| Progressive | $2,587 | $216 |
| USAA | $2,729 | $227 |
| Travelers | $2,984 | $249 |
| GEICO | $3,092 | $258 |
| Farmers | $4,138 | $345 |
| State Farm | $4,156 | $346 |
| Allstate | $4,183 | $349 |
| Oregon
average |
$3,184 | $265 |
| National
average |
$3,377 | $281 |
TIP:
State law in Oregon, as in most states, does not prohibit insurers from using credit history to set premiums, but it does have some meaningful protections that drivers with low credit should be aware of. Once per year, drivers can request a “re-rate,” at which point insurers might lower premiums if their credit rating has improved. But – importantly – insurers cannot raise rates if their credit score dropped instead of improved.
Best Claims and Customer Satisfaction in Oregon: State Farm
The price of auto insurance isn’t most drivers’ only concern. They also care about their customer service experience in the event that they need to make a claim. In Oregon, State Farm has some of the best customer satisfaction ratings, and, luckily, also offers some of the cheapest rates for most categories. USAA (for eligible drivers) also has high customer satisfaction ratings. It’s worth noting that Country Financial ranks higher in the CRASH Network Insurer Report Card but is not included in J.D. Power’s ratings.
| Provider | Northwest Region Customer Satisfaction (J.D. Power)1 | Claims Satisfaction (J.D. Power)2 | CRASH Network Insurer Report Card3 |
|---|---|---|---|
| USAA | 743 | 726 | D+ |
| State Farm | 656 | 710 | C- |
| Farmers | 641 | 706 | C- |
| GEICO | 637 | 692 | C- |
| Allstate | 626 | 691 | D |
| Progressive | 607 | 672 | C |
| Travelers | 592 | 684 | C |
| Country Financial | N/A | N/A | B- |
| Nationwide | N/A | 728 | C |
| Average | 643 | 701 | C- |
How to Find the Cheapest Car Insurance Rates in Oregon
- Consider telematics programs: Many insurers offer programs that use devices installed in your car to monitor some driving patterns, or even simply how much you drive. This data can allow them to lower your rates if you are a safe driver.
- Get several insurance quotes: The rates in this article are averages to help you decide where to start shopping for car insurance. However, you should always get quotes from at least a few providers, as your specific case might lead to different rates with different insurers.
- Pay up front: Most insurers offer a discount to drivers if they pay for six months or a year of insurance up front rather than once per month. Most insurers also allow you to cancel any time without a fee and will prorate your refund. Besides, it’s one less bill you have to think about every month!
- Take care of your credit score: Drivers are often surprised by how much their credit score can impact their insurance costs. In many cases, having bad credit can cost you more than having a DUI on your record. Some details of your credit report will affect your premiums more than others.
Average Auto Insurance Cost in Oregon by City
Auto insurance premiums are heavily influenced by a driver’s location. This is because different areas have different accident and damage risks. Population density is a big factor, as more drivers leads to more accidents involving more people. For example, in Oregon, the highest premiums are generally in the northern part of the Willamette Valley, in and around Portland.
Portland itself has average rates of $2,242 per year, which is 25 percent higher than the state average. Cities like Eugene and Bend, while comparable to Salem in size, are in more rural areas, and, in turn, have lower premiums on average.
| City | Annual Full Coverage | Monthly Full Coverage |
|---|---|---|
| Portland | $2,242 | $187 |
| Hillsboro | $1,984 | $165 |
| Salem | $1,943 | $162 |
| Eugene | $1,663 | $139 |
| Bend | $1,662 | $138 |
| Oregon average | $1,794 | $149 |
Minimum Car Insurance Requirements in Oregon
Minimum coverage requirements for auto insurance in Oregon are pretty stringent; drivers need to have fairly comprehensive coverage in order to be legally sufficient. This includes uninsured/underinsured motorist coverage in case a driver’s minimal or nonexistent coverage fails to cover your medical bills and personal injury protection, which covers your own injuries even before fault is determined.
Oregon’s mandatory minimums are as follows:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $20,000 per accident
- Personal injury protection (PIP): $15,000
- Uninsured/underinsured motorist coverage: $25,000 per person/$50,000 per accident
These coverages are only comprehensive in comparison to states with fewer requirements; they’re by no means a guarantee that they’ll be sufficient if you’re in an accident. We recommend increasing your limits and adding comprehensive and collision coverage to your policy if you can afford to.
Frequently Asked Questions
Who offers the cheapest car insurance in Oregon?
For most drivers in Oregon, the lowest cost auto insurance coverage on average comes from Country Financial, State Farm, Progressive, or USAA, depending on coverage level and driver details. Minimum coverage costs Oregonians an average of $668 annually from USAA or $745 annually from Progressive.
How can I lower my insurance premiums?
There are many ways to save money on car insurance, including getting multiple quotes, adjusting coverage levels, and checking with your insurance provider (or potential providers) about any discounts you might be eligible for. For example, some insurers offer discounts for completing a defensive driver course.
Do I need comprehensive or collision coverage?
If the value of your car is relatively high (i.e., it’s not very old), it’s probably worth it to get these coverage types, as they can cover damage to your own vehicle (Liability only covers injuries and damages to others.). Comprehensive coverage helps pay for noncollision-related damages, such as a branch falling from a tree. If you lease or finance your vehicle, your lender likely requires you to carry comprehensive and collision coverage. But if your car is fairly old and fully paid off, the repair costs for most incidents might be greater than the overall value of the car. You could be better off in that case to forgo these coverages to save money on your premiums.
What’s the best insurance provider for full coverage in Oregon?
For most drivers, the best insurer for full coverage auto insurance is most likely State Farm. The insurer has affordable average premiums and also some of the best customer satisfaction ratings. If you’re in the military, consider getting insurance through USAA, which often has the cheapest rates as well as excellent customer satisfaction scores.
Methodology
We analyze average auto insurance premiums in Oregon for full and minimum coverage for good drivers with good credit as well as other driver profiles, including teenagers and those with DUIs, accidents, and low credit. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- Personal injury protection (PIP): $15,000
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
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
Trust Emerges as Top Driver of Customer Satisfaction with Auto Insurance as Prices Continue to Surge, J.D. Power Finds. J.D. Power. (2024, Jun 5).
https://www.jdpower.com/business/press-releases/2024-us-auto-insurance-studyAuto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds. J.D. Power. (2024, Oct 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-study2024 CRASH Network Insurer Report Card. CRASH Network. (2024).
https://www.crashnetwork.com/irc/
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