Low-cost car insurance in Oregon

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In Oregon, Progressive offers the cheapest average premium at $1,539 per year. For comparison, the statewide average monthly cost is $171, 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 $20,000 for bodily injury per person, $25,000 for bodily injury per accident, and $50,000 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

Progressive offers the lowest car insurance rates in Oregon, at $1,539 per year, which is about $509 the state average.
Progressive has the lowest car insurance rates for drivers with a history of at-fault accidents, with an average annual cost of $2,169.
The ZIP code 97321 has the low-cost car insurance rates in Oregon, at an average annual rate of $1,786.

Low-cost car insurance businesses in Oregon

When comparing insurers in Oregon, Progressive leads the pack with an annual average of $1,539. That’s $509 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
Progressive	$1,539
Travelers	$1,690
Nationwide	$1,912
GEICO	$2,041
State Farm	$2,194
Country Financial	$2,388
Farmers	$2,655

How we choose low-cost car insurance companies in Oregon

195+

Carriers reviewed

65M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Oregon

Drivers in 97321 benefit from the lowest average premium in the state, at $1,786 per year. See the table below to find other ZIP codes in Oregon where insurance tends to be cheaper.

Zipcode	City	Average annual rates
97321	Albany	$1,786
97389	Tangent	$1,794
97330	Corvallis	$1,796
97377	Shedd	$1,811
97322	Albany	$1,813
97333	Corvallis	$1,814
97401	Eugene	$1,824
97920	Westfall	$1,833
97348	Halsey	$1,835
97408	Eugene	$1,835

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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 $5,275 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)	$5,995
Young Adults (20-24)	$3,012
Adults (25-60)	$2,043
Seniors (65-75)	$1,970

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 38%, or about $775. 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
Progressive	$1,539	$1,998	30%	$459
State Farm	$2,194	$2,345	7%	$151
Travelers	$1,690	$2,412	43%	$722
Country Financial	$2,388	$2,970	24%	$582
Nationwide	$1,912	$3,068	60%	$1,156
Farmers	$2,655	$3,397	28%	$742
GEICO	$2,041	$3,676	80%	$1,635

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. Progressive is the lowest-cost option for these drivers, with an average annual premium of $2,169.

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
Progressive	$1,539	$2,169	41%	$630
Travelers	$1,690	$2,367	40%	$677
State Farm	$2,194	$2,732	25%	$538
Nationwide	$1,912	$3,235	69%	$1,323
Country Financial	$2,388	$3,360	41%	$972
Farmers	$2,655	$3,687	39%	$1,032
GEICO	$2,041	$4,153	103%	$2,112

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
Progressive	$1,539	$1,795	17%	$256
State Farm	$2,194	$2,345	7%	$151
Travelers	$1,690	$2,513	49%	$823
Country Financial	$2,388	$3,210	34%	$822
Farmers	$2,655	$3,552	34%	$897
GEICO	$2,041	$3,921	92%	$1,880
Nationwide	$1,912	$4,158	117%	$2,246

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 $530 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 violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 65,756,440 insurance quotes from 195 insurance companies across 34,595 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.

Read more about our research standards and methodology.

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.