Get Cheap Car Insurance Quotes in Your Area

Get great auto insurance coverage at an even better price.

Like many states in the west, Oregon has a concentrated population near its largest city and a very sparse population spread out across the rest of the state. There are 4.1 million registered vehicles in Oregon, and 3.2 million are passenger vehicles. With 4.2 million people in the state, that’s just about one vehicle per person. 

The Oregon Department of Motor Vehicles provides some interesting statistics that influence the auto insurance rates in this state. As the state’s population grows, the DMV here processes 200,000 new driver’s licenses each year. It also processes about 100,000 accident reports and suspends licenses 450,000 times a year. Some of those license suspensions are repeat offenders, according to the agency. 

With so many new licenses and accidents each year, car insurance is a must for any driver in Oregon. What you pay for car insurance depends on a number of factors, including the driver's age. Young drivers are some of the most expensive to insure (since they are involved in more accidents than any other age group), and as of 2018, there are 400,000 drivers in Oregon under the age of 25. Older drivers are generally the least expensive to insure, and there are 950,000 drivers over the age of 60 in this state, including more than 400 over the age of 100.

Population density also affects car insurance rates. In 2018, there were more than half a million vehicles in Multnomah County, where Portland is located, with another 370,000 and 480,000 vehicles in Clackamas County and Washington County, respectively. Both of these counties are part of the Portland metro area. That’s nearly 1.5 million vehicles – more than a quarter of all the vehicles in the state – in the Portland metro area alone. The average commute in Oregon was calculated at 23.5 minutes. That includes the Portland metro area as well as the more sparsely populated areas in the southern and eastern parts of Oregon. 

Cheapest Car Insurance Companies in Oregon

The rates shown here are based on a study performed by Quadrant Information services on behalf of U.S. News. The study examined rates from nine of the largest car insurance companies in the United States, using certain driver profiles. Your rates will differ.

How We Found the Cheapest Car Insurance Companies

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our rankings in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings. 

Our Study Rates

For this study, U.S. News worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the nine largest national car insurance companies, though not every company operates in every state. Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150, with annual mileage ranging from 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. 

Westend61 / Getty Images

To get the study rates shown here, we computed the mean rate for male and female drivers aged 25, 35, and 60 who drive 15,000 miles per year and have medium coverage, good credit, and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here. 

Compare Car Insurance Quotes

Get free personalized quotes with one simple form.

Powered By

How Much Does Car Insurance Cost in Oregon?

See the Cheapest Car Insurance Companies

Oregon is one of the many states that sit in the middle of the range when it comes to car insurance costs. It’s not the most expensive, nor is it the cheapest. Still, our study found that Oregon’s average rates from the top nine national insurers ranged from about $900 to $1,850. Among these nine providers in our study, the average car insurance rate in the state was about $1,200. 

Bear in mind that the rates mentioned in this article are only representative averages, not the exact amount you should expect to pay. A wide range of factors contribute to the premiums charged by car insurance companies.

Oregon Car Insurance Rates by Age

Company

25-year-old female

25-year-old male

35-year-old female

35-year-old male

60-year-old female

60-year old-male

Allstate

$1,967

$1,965

$1,903

$1,769

$1,748

$1,754

American Family

$1,556

$1,592

$1,212

$1,227

$1,115

$1,101

Farmers

$1,456

$1,502

$1,248

$1,218

$1,031

$1,121

Geico

$1,272

$1,106

$1,140

$1,090

$1,020

$1,012

Nationwide

$1,487

$1,557

$1,187

$1,194

$1,042

$1,121

Progressive

$1,236

$1,162

$1,020

$914

$842

$874

State Farm

$1,172

$1,339

$1,042

$1,042

$969

$969

Travelers

$1,118

$1,147

$1,066

$1,087

$875

$911

USAA

$1,085

$1,092

$848

$828

$802

$776

The profile of a 25-year-old driver in our study had an average car insurance rate in Oregon of about $1,380. At age 35, our driver profile had an average study rate of about $1,175. And at age 60, the driver profile's annual premium was about $100 lower, at an average study rate of $1,060.

To determine the average rates based on gender and age, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Oregon Car Insurance Rates by Credit Score

Company

Good

Fair

Poor

Allstate

$1,851

$2,160

$2,975

American Family

$1,300

$1,527

$2,165

Farmers

$1,263

$1,429

$2,128

Geico

$1,107

$1,381

$1,656

Nationwide

$1,265

$1,494

$1,764

Progressive

$1,008

$1,220

$1,664

State Farm

$1,089

$1,359

$2,124

Travelers

$1,034

$1,279

$1,821

USAA

$905

$1,120

$2,021

A driver profile with poor credit in Oregon had an average study rate of $2,035. That’s about $800 more than our driver profile with good credit, which in our study averaged $1,202. 

Based on profiles of male and female drivers aged 25, 35, and 60, our study verified that credit scores affect car insurance rates. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a good credit score, a medium level of insurance coverage, and 12,000 miles of annual driving. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 were the vehicles used in our analysis. 

Oregon Car Insurance Rates by Driving Record

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$1,851

$2,183

$2,757

$2,447

American Family

$1,300

$1,348

$1,348

$1,348

Farmers

$1,263

$1,637

$1,834

$1,775

Geico

$1,107

$1,528

$1,850

$2,284

Nationwide

$1,265

$1,488

$1,907

$2,344

Progressive

$1,008

$1,379

$1,794

$1,210

State Farm

$1,089

$1,195

$1,409

$1,195

Travelers

$1,034

$1,380

$1,442

$1,599

USAA

$905

$1,148

$1,366

$1,479

According to our study, the average representative rate for a driver profile with a clean record in Oregon is about $1,202. A driver profile with one speeding ticket had an average rate in our study that was nearly $300 higher, at $1,476. With one accident added to the study profile, rates went up by about $550 compared to the profile with a clean record, with an average study rate of $1,745. When one DUI was added, the average rate was again higher by about $550, to $1,742.

To find out just how much of an effect a person's driving record has on insurance rates, we made driving profiles with a clean record, with one speeding violation, with one accident, and with one instance of driving under the influence (DUI). These driving record representative profiles were based on 25-, 35-, and 60-year-old males and females who drove 12,000 miles per year and had a medium level of insurance coverage and a good credit score. Vehicles used in the analysis were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Oregon Car Insurance Rates by City

City

Average Rate

Beaverton

$1,387

Bend

$1,089

Corvallis

$1,092

Eugene

$1,091

Gresham

$1,568

Hillsboro

$1,356

Medford

$1,090

Portland

$1,494

Salem

$1,280

Springfield

$1,118

You might think that the most expensive average car insurance rates in the state would belong to residents of the state’s largest city. But Portland’s average study rate of $1,494, while higher than most other cities in Oregon, wasn’t the highest in the state, according to our study. Its suburb to the east, Gresham, had an average study rate of $1,568, likely due to the longer commutes its drivers make compared to their Portland neighbors.

Smaller cities that are farther from the Portland metro area had lower rates in our study. According to our analysis, Bend in the center of the state had the lowest average rate at $1,089. The next-lowest study rates were found in Medford, in southern Oregon, with an average of $1,090. 

Within each state, insurance rates can vary dramatically from city to city. To get a sense of how these differences affect car insurance premiums, we looked at average representative rates across 10 of Iowa’s top cities. In our study, we used male and female driver profiles aged 25, 35, and 60 who put 12,000 miles on the odometer each year. Our profiles have medium insurance coverage, a clean driving record, and good credit. We included three vehicles in our study: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Compare Car Insurance Quotes

Get free personalized quotes with one simple form.

Powered By

Oregon Auto Insurance Minimum Coverage Requirements

Like almost every state in the country, Oregon has minimum car insurance coverage requirements. It’s common to require liability insurance, which Oregon does, but this state also requires personal injury protection insurance and uninsured motorist coverage. These are the minimum required insurance limits in Oregon:

  • Bodily injury liability: $25,000 per person, $50,000 per accident
  • Property damage liability: $20,000 per accident
  • Personal injury protection: $15,000 per person
  • Uninsured motorist: $25,000 per person, $50,000 per accident

Bodily injury liability insurance pays for the medical costs of people hurt in an accident you caused, but it does not cover your own medical costs. Property damage liability insurance pays to repair vehicles (or other property) owned by another person that are damaged in an accident in which you are at fault. Personal injury protection coverage pays for your medical costs after an accident. Finally, uninsured motorist coverage pays for your medical costs when a driver who doesn't have car insurance causes an accident that injures you. 

Cheapest Car Insurance in Oregon

Category

Cheapest Company

Drivers with a Military Affiliation

USAA

Young Adult Drivers

GEICO

Married Male Adult Drivers

Travelers

Married Female Adult Drivers

Progressive

Senior Drivers

Progressive

Drivers with Good Credit

Progressive

Drivers with Poor Credit

GEICO

Drivers with a Clean Record

Progressive

Drivers with One Speeding Violation

State Farm

Drivers with One Accident

American Family

Drivers with One DUI

State Farm

Low-mileage Drivers

Travelers

High-mileage Drivers

Progressive

Drivers with Low Coverage

Progressive

Drivers with High Coverage

Progressive

Drivers with Used Cars

Progressive

Drivers with New Cars

Progressive

The lowest average rates in our study were from USAA, which had an average of $883 in Oregon. Progressive came in second at $957, which was the only other average study rate below $1,000 in Oregon. We found that Travelers, State Farm, Geico, and Farmers all had average rates that were below the state average. 

To find which car insurance company offers the lowest rates, our study used representative driver profiles with good credit, medium insurance coverage, and a clean driving record. Our profiles included males and females aged 25, 35, and 60 who drove 12,000 miles per year. The vehicles used in our study were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Why Car Insurance Rates Vary in Oregon

Car insurance rates in Oregon vary due to a number of factors. Aside from your own driving record, rates in Oregon can be affected by your city or town of residence, the driving records of others living in your household, and your age. It’s important to take your personal circumstances into consideration, as well as state laws, when deciding which insurance provider to use.

How to Get the Cheapest Car Insurance in Oregon

Most major insurers offer discounts on car insurance for those who bundle policies. Having more than one car on your policy or combining your car insurance with your homeowners or renters insurance can lower your rates. You can also often get discounts for younger drivers on your policy if they maintain a B average and qualify for a good student discount. Read more about the cheapest car insurance companies for teens to find even more ways to save when you add a young driver to your policy.

halbergman / Getty Images

Be sure to shop around when you're looking for a new car insurance policy. The best way to know you're getting the cheapest rate for the best coverage is to compare quotes from different companies.

The most common way to lower your rates and keep them low is to be a good driver with a clean record. Some insurance companies offer discounts if your driving record remains spotless for six months or more. Once you have an accident or a citation, though, rates usually go up significantly. 

Important Laws Around Auto Insurance in Oregon

Oregon is a fault state rather than a no-fault state. That means that if you caused the accident, your liability insurance will pay for damages and medical bills for the others involved. Your own injuries will be covered by your personal injury protection insurance. Of course, there are always some people who don’t have insurance but drive anyway, which is why Oregon requires uninsured motorist coverage as well.

Oregon allows digital insurance cards, so you don’t have to carry a physical card in your glove box or wallet. If you’re pulled over, you can show proof of insurance on an app from your insurance company. 

If your license has been suspended for driving without insurance or for a DUI, you can still be required to carry non-owners liability insurance, known as an SR-22 certificate. The Oregon DMV describes this as “proof of future responsibility,” and it must be in place to reinstate your driving privileges. 

Oregon Driving Laws and Punishments

Oregon does not allow texting while driving, and it is a primary offense. That means that you can be pulled over and ticketed only for texting while driving; it doesn’t have to be tacked onto another offense like speeding or having a taillight out. Drivers under 18 are not allowed to use cell phones at all while driving, not even to make calls. 

Oregon is one of the handful of states that has legalized medical and recreational marijuana consumption. Driving under the influence of marijuana is still driving under the influence, just like with alcohol, but it is trickier to regulate marijuana DUIs. 

Other states, such as Colorado and Washington, have determined that a blood concentration of 5 mg/l of THC is the threshold for a marijuana DUI, but Oregon has decided to try something different. If you are pulled over on suspicion of DUI and you pass a breathalyzer test for alcohol in the field but still seem inebriated, you will be brought to a Drug Recognition Expert for evaluation. This person will determine if you are inebriated enough on anything – including marijuana – to be charged with a DUI. Because the body processes THC differently than it does alcohol, detection methods like urine tests are not reliable. 

@ Didier Marti / Getty Images

Oregon’s rules for an alcohol-related DUI are more familiar, with a blood alcohol limit of .08%. Oregon does not limit DUIs to those driving cars and trucks. You can be charged with a DUI while operating a boat, bicycle, scooter, or moped, as well. Penalties for all DUIs include jail or community service, fines of at least $1,000, a one-year suspension of your driver’s license, and an interlock ignition device in your car for one year. 

Uninsured motorist (UM) insurance is required in Oregon, with at least $15,000 of coverage. If you’re involved in an accident caused by a driver who does not have auto insurance, your UM coverage will cover your medical costs. 

Oregon Car Insurance FAQs

Is Car Insurance Required in Oregon?

Yes, liability, personal injury protection, and uninsured motorist coverage are required. 

Which Cars Are Required To Be Insured in Oregon?

Any car that is registered to be driven needs to be insured. If a car is stored or inoperable and therefore not registered with the state, it does not need to have accident coverage. 

When Should I Get Car Insurance in Oregon?

Drivers are required to register their car within 30 days of establishing residency in the state, and you have to have proof of insurance in order to register your car with the DMV.

What Happens if My Car is Not Properly Insured in Oregon?

Driving without insurance can result in fines, a suspended license, your vehicle impounded, or the requirement to carry SR-22 liability coverage, even if your driving privileges are revoked. 

Is Oregon a No-Fault State?

Oregon is a fault state, which means blame for causing an accident will be assigned. The car insurance of the driver at fault will cover the medical and repair costs of others involved in the accident. 

Do I Need Uninsured Motorist Coverage in Oregon?

Yes, you need a minimum of $15,000 in uninsured motorist coverage. 

Is Liability Insurance Required in Oregon?

Yes. The shorthand for minimum coverage in Oregon is 25/50/25: $25,000 bodily injury liability coverage per person, $50,000 bodily injury liability coverage per accident, and $25,000 property damage liability coverage per accident. 

Does Oregon Accept Digital Insurance Cards?

Yes, digital insurance cards can be used as proof of insurance.

The Best Car Insurance Companies in 2020

Our Car Insurance Ranking

  1.     USAA
  2.     Geico
  3.     Allstate
  4.     State Farm
  5.     Farmers
  6.     Progressive
  7.     American Family
  8.     Nationwide
  9.     Travelers

The Cheapest Car Insurance Companies in 2020

Average Annual Rates:

Car Insurance Hub | Best Car Insurance Companies | Cheapest Car Insurance Companies

Get Cheap Car Insurance Quotes in Your Area

Get great auto insurance coverage at an even better price.