Cheapest Car Insurance in Oregon (2026)

Cheapest full coverage car insurance in Oregon: State Farm

State Farm has Oregon’s cheapest full coverage car insurance, at $88 a month. This is 20% less than the next-cheapest rate of $109 a month from Progressive.

State Farm also has a better customer satisfaction rating than Progressive from J.D. Power J.D. Power’s satisfaction scores are based on customer surveys rating companies on factors like price, coverage options and problem resolution. , or happier customers.

Key insight

Full coverage costs $172 a month on average in Oregon. The actual price you pay depends on things like your driving record, vehicle and credit.

Cheap full coverage auto insurance

Company		Monthly rate	LendingTree score
	State Farm	$88
	Progressive	$109
	Travelers	$134
	American Family	$137
	Country Financial	$152
	Geico	$238
	Allstate	$285
	Farmers	$292
	USAA*	$117

Companies treat these factors differently and have different car insurance discounts. This is why one company may give you a much lower rate than the others. It’s good to compare car insurance quotes from multiple to find the cheapest rate for your situation.

Cheap Oregon liability insurance: State Farm

At $43 a month, State Farm has Oregon’s cheapest liability insurance, or minimum coverage. USAA and Progressive have the next-cheapest rates at less than $55 each.

USAA has the best satisfaction rating out of these three companies. However, USAA is only available to the military community and their families.

Cheapest liability insurance

Minimum coverage includes liability Liability insurance covers injuries and property damage you cause to others. It’s required by law in almost every state. , uninsured motorist Uninsured motorist covers you and your passengers for injuries caused by a driver with no insurance. It’s required in about 20 states and optional everywhere else. coverage and personal injury protection PIP covers injuries to you and your passengers, whether you or another driver causes the accident. It also covers lost wages and certain other expenses. . All three are required by law.

Cheapest car insurance for Oregon teens: Country Financial and State Farm

You can usually get Oregon’s cheapest car insurance for teens from Country Financial or State Farm. At $135 a month, Country Financial has the cheapest teen liability rate for young drivers. This is barely cheaper than State Farm’s rate of $137 a month.

State Farm has the cheapest full coverage for young drivers, at $266 a month. This only beats Country Financial’s rate of $274 a month by 3%.

Cheap car insurance for teens

A lack of driving experience makes teens more likely to get into accidents than older drivers. This is the main reason why insurance companies charge young drivers so much. Teens usually get cheaper rates on a parent’s policy than they do on their own.

Best Oregon car insurance rates after a speeding ticket: State Farm

Oregon drivers with a speeding ticket get the cheapest car insurance quotes from State Farm. The company’s rates only go up to $93 a month after a speeding ticket. This is 32% less than the next-cheapest rate of $137 a month from Progressive.

However, Progressive is a better choice if you need gap insurance Gap insurance covers the difference between your car’s value and your loan balance, if you total the vehicle. , which State Farm doesn’t have.

Cheap auto insurance with a ticket

A speeding ticket raises the average cost of car insurance in Oregon by 29% to $222 a month. Shopping around can help you find cheaper car insurance with a bad driving record.

Oregon’s cheapest car insurance after an accident: State Farm

State Farm has Oregon’s cheapest car insurance after an accident, at $88 a month. This is 67% less than the state average of $268 a month after an accident. Progressive is the next-cheapest company, at $152 a month.

Auto insurance rates after an accident

An at-fault accident makes car insurance rates go up by an average of 55% across Oregon. You can protect yourself from a potential rate increase like this with accident forgiveness Accident forgiveness prevents your first accident from making your rates go up. You have to add it to your policy before you crash. .

Travelers and Progressive are among the companies with accident forgiveness. State Farm and Geico don’t have it. It usually costs extra, but Progressive has paid and free options.

Best OR car insurance for teens with bad driving records: State Farm

Oregon teens with bad driving records can get the cheapest auto insurance quotes from State Farm. The company’s liability rates for young drivers average $149 a month after a speeding ticket. Young drivers with an at-fault accident pay an average of $137 a month.

Country Financial is the next-cheapest company. Its young driver rates average $177 a month after a ticket and $197 a month after an accident.

Best teen insurance rates after a ticket or accident

Cheapest Oregon car insurance after a DUII: Progressive

At $126 a month, Progressive has Oregon’s cheapest car insurance after a DUII (driving under the influence of intoxicants). State Farm has the next-cheapest DUII insurance, at $172 a month. A DUII increases the average cost of Oregon car insurance by 86% to $321 a month.

Cheap DUII insurance

Oregon’s best car insurance for bad credit: Progressive

Oregon drivers with bad credit often get the cheapest car insurance quotes from Progressive. The company’s bad-credit car insurance rates average $169 a month. This is 27% less than the next-cheapest rate of $231 a month from American Family.

Cheap bad-credit car insurance

Insurance companies check your credit for things like your payment history and the amounts you borrow. They believe these factors show how likely you are to have an accident or claim. Paying down debts and avoiding late payments can help you get cheaper car insurance. 

Discounts can help lower your insurance rate with any credit rating. Some easy ways to lower your rate with Progressive include:

It’s good to check about payment discounts like these with other companies, too.

Best car insurance in Oregon

State Farm and Progressive are Oregon’s best car insurance companies for different reasons.

State Farm is the best choice if you want basic car insurance at a low rate. The company has the state’s cheapest rates for most drivers. Its good satisfaction rating means customers like its prices and customer service. However, it doesn’t offer as many coverage options as Progressive.

Progressive has Oregon’s best combination of price and coverage options. Its rates are lower than state averages for most drivers. It also offers extras like gap insurance, accident forgiveness Accident forgiveness prevents your first accident from making your rates go up. You have to add it to your policy before you crash. and custom parts and equipment Custom parts and equipment covers features you’ve added to your car. Standard car insurance usually only covers factory-installed items on and in your vehicle. (CPE) coverage. Each could save you money in certain situations.

Insurance company ratings

Company	Satisfaction rating	AM Best	LendingTree score
Allstate	635	A+
American Family	640	A
Country Financial	659	A+
Farmers	622	A
Geico	645	A++
Progressive	621	A+
State Farm	650	A++
Travelers	613	A++
USAA*	735	A++

Oregon car insurance rates by city

With rates averaging $257 a month, Maywood Park is Oregon’s most expensive city for car insurance. This barely beats No. 2 Gresham’s rate of $253 a month.

Car insurance tends to cost more in areas with high accident and car-theft rates. High medical and car-repair costs can also drive up an area’s auto insurance rates.

Millersburg has Oregon’s cheapest car insurance, at $174 a month.

Car insurance rates near you

Portland drivers pay an average of $234 a month for car insurance. This is 36% higher than the state average. Car insurance costs $209 a month, or 21% more than the average, in Salem.

Minimum coverage for car insurance in Oregon

Car insurance is required by law in Oregon. The minimum amounts of coverage you need to drive legally include:

Bodily injury liability kicks in if the medical expenses of someone you hurt goes over their PIP limit. It also covers injuries that are especially severe.

Physical damage liability covers damage you cause to other people’s vehicles or property.

Uninsured motorist covers you and your passengers for injuries caused by a driver with no car insurance. It kicks in for expenses that go over your own PIP limits.

Personal injury protection, or PIP, covers injuries to you and your passengers, no matter who causes the accident. It also covers lost wages and other expenses tied to your recovery.

Collision Collision covers damage to your car from a collision with another vehicle or object. and comprehensive Comprehensive covers your car for theft and damage from non-collision causes, like fire, flood and vandalism. are not required by law. However, you usually need both for a car loan or lease. Both are usually worth keeping if your car is still worth at least $5,000 after it’s paid off.

How does SR-22 insurance work in Oregon?

A court can order you to get SR-22 car insurance after certain violations. These range from DUII to driving without insurance. An SR-22 is a certificate that your insurance company files with the state for you.

Start by seeing how an SR-22 affects your current insurance company’s rate. You can compare this to SR-22 quotes from other companies to find the cheapest price.

Most companies add a filing fee of about $25 to your rate. The actual price you pay for SR-22 insurance depends largely on your driving record. 

SR-22 insurance costs an average of $325 a month in Oregon after a major violation like DUII. The average is closer to $225 a month after an offense like driving without insurance. You’ll pay less if you only need liability insurance without collision or comprehensive coverage.