Low-cost car insurance in Oregon

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Oregon Mutual Insurance provides the lowest car insurance rates in Oregon at $1,172 a year. The average premium is $161 per month in Oregon, though your actual rate may vary.

Car insurance requirements differ by state. In Oregon, drivers are required to carry at least the minimum liability coverage: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $20,000 for property damage per accident.

Full coverage car insurance can be a smart choice for drivers who want more than the bare minimum. It combines liability with collision and comprehensive coverage, protecting not only other drivers and their property but also your own vehicle in cases of accidents, theft, or weather damage.

Below, you’ll find which insurance companies are the most affordable for different 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 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

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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

Young drivers often face the highest premiums. In Oregon, for example, a 16-year-old pays $7,089 more than a 40-year-old driver.

The table below shows how rates change by age group.

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 record is one of the biggest factors in your insurance price. Tickets or accidents will raise your premium, while drivers with clean records are considered lower risk and typically receive more affordable 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

A DUI often places drivers in the high-risk driver category, resulting in much higher rates. Still, some companies in Oregon keep their premiums lower than others. The table below shows the most affordable options available after a DUI.

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

While full coverage is more expensive than minimum liability, the extra protection is worth it for most drivers. Liability-only policies cover damage you cause to others, but not your own car. Full coverage adds collision and comprehensive protection, covering accidents, theft, weather, and other risks.

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

We recommend carrying at least 100/300/100 in coverage – $100,000 for bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These limits provide stronger protection in serious accidents that could otherwise exceed state minimums.

What is full coverage car insurance?

Full coverage includes liability, collision, and comprehensive coverage. Collision covers your car if it’s damaged in an accident, while comprehensive applies to damage from non-collision events such as theft, fire, or hail.

If you finance or lease your vehicle in Oregon, your lender may require both collision and comprehensive coverage in addition to state-mandated liability insurance.

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.