Low-cost car insurance in Oregon

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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 offers the lowest car insurance rates in Oregon, at $1,172 per year, which is about $755 the state average.
Travelers has the lowest car insurance rates for drivers with a history of at-fault accidents, with an average annual cost of $2,399.
The ZIP code 97322 has the low-cost car insurance rates in Oregon, at an average annual rate of $1,634.

Low-cost car insurance businesses in Oregon

When comparing insurers in Oregon, Oregon Mutual Insurance leads the pack with an annual average of $1,172. That’s $755 less than the statewide average. Individual premiums vary depending on your driving record, vehicle type, age, and ZIP code.

To make sure you’re getting the best price, it’s always smart to check quotes from multiple carriers.

Here are the annual averages from the most affordable 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 97322 benefit from the lowest average premium in the state, at $1,634 per year. See the table below to find other ZIP codes in Oregon where insurance tends to be cheaper.

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

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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

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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

Your driving history is one of the main factors insurers look at when determining how much you pay for coverage.Your auto insurance premiums will increase if you’re responsible for an accident or pulled over for a violation. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you will likely get coverage for a lower price.

Low-cost car insurance after a speeding ticket in Oregon

A single speeding ticket in Oregon can push your rates up by 34%, or about $650. Along with the fine, that makes speeding a costly mistake. Here are a few insurers that still provide lower-priced coverage 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 costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.

In Oregon, the average cost of full coverage is $586 less compared to the national average

We recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.

What is full coverage car insurance?

Full coverage refers to liability insurance plus both collision and comprehensive. Collision pays for damage to your vehicle after an accident, while comprehensive covers non-collision events like theft, fire, or hail damage.

If you lease or finance your vehicle in Oregon, your lender may require collision and comprehensive insurance on top of the state’s liability minimums.

The bottom line on saving and staying protected

Everyone wants to save on car insurance, but skimping on coverage can leave you with big bills after an accident.

The best approach is to balance affordability with protection. Always compare quotes from at least three companies to find the cheapest 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.