insure logo

Why you can trust Insure.com

quality icon

Quality Verified

At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria.

Nationwide provides the cheapest full coverage car insurance in Oregon at about $953 a year. Your specific rates may vary, but the average full coverage car insurance premium in Oregon is $104 per month, according to Insure.com’s 2022 rate analysis.

Car insurance is a legal requirement in most states, and Oregon is no exception. Oregon drivers are required to carry at least the minimum amount of liability coverage—$20,000 of personal property coverage per person, $25,000 for bodily injury per person and $50,000 for bodily injury per accident.

However, many drivers choose to purchase full coverage car insurance, which provides additional protection in the event of an accident.

What is full coverage car insurance in Oregon?

Full coverage car insurance includes bodily injury and property damage liability coverage, as well as comprehensive and collision coverage, according to the Insurance Information Institute (III). Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions such as weather or theft.

If you lease or finance your car in Oregon, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage. Every state except New Hampshire and Virginia requires drivers to get liability coverage, while comprehensive and collision coverage are optional. However, in Virginia, you have to pay an uninsured motorist fee of $500.

Average full coverage car insurance cost in Oregon

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. Average cost of full coverage car insurance in Oregon is 26% less than the national average cost of full coverage insurance in the U.S.

There are different full coverage limits that a driver can purchase. However, Insure.com editors recommend that every driver should carry 100/300/100 coverage limits.

Cheapest full coverage car insurance rate in Oregon by company

Nationwide offers the cheapest full coverage car insurance in Oregon an average of $953 per year. It’s 23% less expensive than the average full coverage car insurance cost in Oregon. The rates will vary based on factors such as your driving history, age, ZIP Code and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates for car insurance from major insurance companies.

CompanyFull coverage insurance cost
Nationwide$953
Geico$957
State Farm$957
USAA$1,020
Auto-Owners$1,130
Travelers$1,154
American Family$1,283
Progressive$1,345
Kemper Insurance$1,460
Farmers Insurance$1,477
Allstate$1,712

Full coverage car insurance cost in Oregon by ZIP code

Full coverage car insurance premiums vary significantly by ZIP code. Insurance companies consider factors such as the crime rate in an area, the number of claims filed, types of claims filed to determine annual premiums. Below are the least and most expensive ZIP codes for full coverage car insurance.

Most expensive ZIP codes for car insurance in Oregon

Drivers living in the ZIP code 97266 pay the highest premiums at about $1,736 a year. ZIP codes with a higher number of car thefts or vandalism also tend to have higher car insurance rates.

Find below the most expensive ZIP codes for car insurance in Oregon.

ZIP codeFull coverage insurance cost
97266$1,736
97233$1,707
97236$1,665
97206$1,661
97220$1,658
97216$1,656
97230$1,618
97218$1,615
97211$1,579
97030$1,572

Least expensive ZIP codes for car insurance in Oregon

97408 ZIP code in Oregon has the cheapest full coverage auto insurance cost at an average price of $1,095 annually. Know the least expensive ZIP codes for car insurance in Oregon below.

ZIP codeFull coverage insurance cost
97408$1,095
97333$1,098
97330$1,103
97401$1,103
97321$1,108
97404$1,109
97850$1,109
97502$1,110
97701$1,112
97405$1,116

Oregon full coverage car insurance rate by age

Young drivers in Oregon tend to pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims on their insurance policy. A 16-year-old driver pays 375% more than a 40-year-old mature driver in Oregon, based on Insure.com’s analysis.

The table below shows full coverage car insurance rates for drivers of different ages:

Age groupFull coverage annual premiums
Teen drivers (age 16-19)$4,597
Young drivers (age 20-24)$2,116
Adult drivers (age 25-64)$1,270
Senior drivers (age 65+)$1,259

Read our Guide to car insurance for teens for more information

Car insurance rates in Oregon by driver history

Your driving history is one of the main factors insurers look at when considering insurance rates. If you are responsible for a car accident or get convicted of a driving infraction, your auto insurance premiums will likely go up. However, if you have a clean driving record, insurance companies see you as a low-risk driver and you are likely to get cheap full coverage car insurance.

Cheapest full coverage car insurance after a speeding ticket in Oregon

Getting a speeding ticket is never any fun. Not only will you have to pay a fine, but your insurance rates may go up. A single speeding ticket can increase your rates by 32% or $470 in Oregon, based on Insure.com data.

But if you’re looking for affordable coverage, below are some insurers that offer cheap full-coverage car insurance after a speeding ticket.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
State Farm$1,230$1,35010%$120
USAA$1,135$1,44928%$314
Nationwide$1,201$1,59032%$389
Auto-Owners$1,363$1,69124%$328
Geico$1,010$1,85083%$840
Travelers$1,413$2,07547%$662
Progressive$1,524$2,09537%$571
American Family$1,664$2,17231%$508
Allstate$1,889$2,24119%$352
Farmers$1,790$2,29828%$508
Kemper$1,802$2,34230%$540

Cheapest full coverage car insurance after an accident in Oregon

No one plans on getting into a car accident, but unfortunately, they happen. If you are in an accident and are at fault, you will probably see your car insurance premiums increase. However, this does not mean you can’t shop around to find the best rates.

State Farm offers the cheapest car insurance rates to drivers after an at-fault accident, at about $1591 a year. Below, you’ll see which companies have cheap car insurance for drivers with one accident on their record.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
State Farm$1,230$1,59129%$361
USAA$1,135$1,77256%$637
Auto-Owners$1,363$1,79131%$428
Geico$1,010$1,95293%$942
Travelers$1,413$2,02043%$607
Nationwide$1,201$2,05071%$848
American Family$1,664$2,30939%$645
Kemper$1,802$2,59044%$789
Progressive$1,524$2,63273%$1,108
Allstate$1,889$3,09164%$1,202
Farmers$1,790$3,15676%$1,367

Cheapest full coverage car insurance after a DUI conviction in Oregon

If you’ve recently been convicted of a DUI, you may wonder how it will affect your car insurance rates. Most insurers will view you as a high-risk driver and will charge you higher rates.

The table below shows the insurance companies offering cheap car insurance rates to drivers after a DUI conviction.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
State Farm$1,230$1,35010%$120
Progressive$1,524$1,82119%$297
USAA$1,135$1,88066%$745
Auto-Owners$1,363$1,99346%$630
American Family$1,664$2,17231%$508
Travelers$1,413$2,24058%$827
Geico$1,010$2,288127%$1,278
Allstate$1,889$2,52133%$632
Nationwide$1,201$2,643120%$1,442
Farmers$1,790$3,13375%$1,344
Kemper$1,802$3,671104%$1,870

When it comes to car insurance, everyone is always looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you dearly down the road.

Make sure you’re adequately protected and take into account your specific needs before buying an auto insurance policy.

Source:

Methodology

Insure.com gathered the quotes with the help of Quadrant Information Institute. We collected full coverage car insurance rates from major insurance companies for multiple ZIP codes across Oregon.

The full coverage rates are based on a sample driver profile of a 40-year-old man with a driving record and good credit score.

author image
Nupur Gambhir
Managing Editor

 
|
  

Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.