Low-cost car insurance in Oregon

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

In Oregon, Oregon Mutual Insurance offers the cheapest average premium at $1,172 per year. For comparison, the statewide average monthly cost is $161, though individual rates vary depending on your driving profile, location, and vehicle.

Every state sets its own car insurance rules. In Oregon, the minimum liability requirement is $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $20,000 for property damage per accident.

For drivers who want greater protection, full coverage can be a smart investment. It combines liability with both collision and comprehensive coverage, ensuring that your own car is also covered in the event of an accident, theft, weather damage, or other unexpected events.

Below, we highlight which insurers provide the most affordable rates across different driver categories.

Key Takeaways

Oregon Mutual Insurance has the cheapest average premium in Oregon, coming in at $1,172 per year – about $755 compared to the state average.
For drivers with an at-fault accident on their record, Travelers offers the lowest rates, with annual costs averaging $2,399.
The 97322 ZIP code is the least expensive area in Oregon for car insurance, with an average yearly premium of $1,634.

Low-cost car insurance companies in Oregon

Among all insurers in Oregon, Oregon Mutual Insurance comes in lowest at $1,172 per year – $755 less than the statewide average. Keep in mind that your actual premium depends on factors like age, driving history, ZIP code, and the type of car you drive.

Comparing quotes from multiple companies is the best way to make sure you’re getting a competitive rate.

Below are the annual premiums from the cheapest car insurance companies in Oregon.

Company	Average annual rates
Oregon Mutual Insurance	$1,172
Travelers	$1,657
Nationwide	$1,836
Country Financial	$1,886
GEICO	$1,993
State Farm	$2,383
Farmers	$2,587
Progressive	$3,584
USAA*	$1,523

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Oregon

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Oregon

Drivers in the 97322 ZIP code pay the lowest average annual premium in Oregon, at $1,634. See which other areas of the state offer more affordable rates below.

ZIP code	City	Average annual rates
97322	Albany	$1,634
97348	Halsey	$1,662
97331	Corvallis	$1,663
97732	Crane	$1,666
97327	Brownsville	$1,673
97701	Bend	$1,680
97355	Lebanon	$1,685
97330	Corvallis	$1,688
97850	La Grande	$1,693
97446	Harrisburg	$1,697

You might find interesting

Explore related topics

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in Oregon by city

See rates in your city

Eugene

Hillsboro

Portland

Our agents make it hassle-free to get the right quote.

Call (844) 814-8854

Ethan Available Now

Jack Available Now

Robbie Available Now

Ellie Available Now

Low-cost car insurance in Oregon by age

Teen drivers in Oregon pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. For example, our data shows that a 16-year-old driver pays $7,089 more than a 40-year-old driver in Oregon.

The table below shows low-cost car insurance rates for drivers of different ages.

Age group	Full coverage annual premiums
Teens (16-19)	$6,748
Young Adults (20-24)	$2,969
Adults (25-60)	$1,909
Seniors (65-75)	$1,881

Low-cost car insurance in Oregon by driver history

Insurers weigh your driving record heavily when setting premiums. You can expect your rates to rise if you’re ticketed or at fault in an accident. On the other hand, drivers with clean records are considered lower risk and usually qualify for cheaper coverage.

Low-cost car insurance after a speeding ticket in Oregon

One speeding ticket in Oregon can cause your insurance rates to jump by 34%, or roughly $650 per year. Combined with the cost of the fine, a violation can get expensive fast. The table below highlights insurers with lower-priced options even after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Travelers	$1,657	$2,482	50%	$825
State Farm	$2,383	$2,552	7%	$169
Nationwide	$1,836	$2,946	60%	$1,110
Farmers	$2,587	$3,292	27%	$705
GEICO	$1,993	$3,915	96%	$1,921
Progressive	$3,584	$4,731	32%	$1,148
USAA*	$1,523	$1,957	29%	$435

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Oregon

Being at fault in an accident will drive your premiums up, but some insurers remain more affordable than others. Travelers is the lowest-cost option for these drivers, with an average annual premium of $2,399.

If you’ve had an accident, comparing quotes can help you avoid overpaying. See the table below for the cheapest companies after one at-fault accident.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Travelers	$1,657	$2,399	45%	$741
Nationwide	$1,836	$2,403	31%	$567
State Farm	$2,383	$2,988	25%	$605
GEICO	$1,993	$3,825	92%	$1,832
Farmers	$2,587	$4,638	79%	$2,051
Progressive	$3,584	$6,045	69%	$2,461
USAA*	$1,523	$2,383	57%	$860

*USAA is only available to military community members and their families.

Low-cost car insurance after a DUI in Oregon

Being labeled a high-risk driver after a DUI usually means paying much more for car insurance. However, some insurers are less expensive than others. The table below shows which companies in Oregon offer the most affordable rates after a DUI conviction.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
State Farm	$2,383	$2,552	$169	7%
Travelers	$1,657	$2,604	$946	57%
Nationwide	$1,836	$3,998	$2,162	118%
Progressive	$3,584	$4,326	$742	21%
Farmers	$2,587	$4,433	$1,846	71%
GEICO	$1,993	$4,462	$2,469	124%
USAA*	$1,523	$2,545	$1,022	67%

*USAA is only available to military community members and their families.

Average cost of car insurance Oregon

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. That’s because minimum liability only pays for injuries or damage you cause to others, leaving you to cover repairs or replacement of your own car out of pocket. Full coverage, on the other hand, includes collision and comprehensive insurance, so your vehicle is protected in situations like accidents, theft, storms, or vandalism.

The average cost of full coverage car insurance in Oregon is $586 less than the national average car insurance rates in the U.S.

We recommend that you carry at least coverage limits of 100/300/100 – that’s $100,000 in bodily injury coverage per person, $300,000 per accident, and $100,000 in property damage coverage. These limits provide a better safety net if you’re involved in a serious accident where costs could quickly exceed minimum requirements.

What is full coverage car insurance?

Full coverage car insurance includes bodily injury liability and property damage liability coverage, as well as comprehensive and collision coverage. 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 hail 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.

The bottom line on saving and staying protected

It’s natural to look for ways to lower your insurance costs, but cutting corners on coverage can leave you financially vulnerable after an accident.

Make sure you choose a policy that balances affordability with protection. Always compare quotes from at least three companies to find low-cost car insurance in Oregon.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Oregon. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violations on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.