Best Auto Insurance Rates in Oregon

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Where to Find Cheap Car Insurance in Oregon

Eagle West is the best place to get cheap car insurance in Oregon, according to a QuoteWizard survey of companies serving the state.

Our data shows that Oregon drivers and vehicle owners pay an average of $401 per year if they buy the minimum amount of auto insurance the state requires from Eagle West. They pay an average of $695 per year for a full-coverage policy if they buy it from the same insurer.

Those rates are far below what a typical Oregonian pays for car insurance. Based on our research, the average driver in the state spends $729 per year on minimum coverage and $1,249 per year on full coverage.

Eagle West may offer the cheapest auto insurance in Oregon, but it isn’t alone in providing affordable coverage to the Beaver State. General Casualty and USAA also offer low-cost car insurance in Oregon, as do several other companies.

Keep reading to learn more about the above, as well as:

Where can I get cheap car insurance in Oregon?

Eagle West offers the cheapest state-minimum car insurance in Oregon, with a $401 average annual premium. It also offers the cheapest full-coverage car insurance in the state, with a $695 average annual premium.

These average annual premiums are based on rate quotes gathered from Oregon providers for a standard driver.

cheapest minimum car insurance in oregon

Several other insurers provide affordable auto insurance in Oregon, too, according to our research. For example, USAA’s average rate quote of $511 per year for state-minimum coverage is only about $9 per month more than what Eagle West offered for the same type of policy.

General Casualty, California Casualty and Oregon Mutual offered similarly low rates to our sample driver.

Those same companies, as well as State Farm, also lead the way in providing affordable full-coverage auto insurance — which usually includes liability, collision and comprehensive coverage — to the people of Oregon.

cheapest full-coverage car insurance in oregon

In particular, General Casualty’s average rate quote of $823 per year for a full-coverage policy is a little less than $11 per month more than what our top pick, Eagle West, offered for the same.

USAA’s average annual rate wasn’t far behind, though, at $890. State Farm, Oregon Mutual and California Casualty offered average annual rates of $1,008, $1,017 and $1,044, respectively.

When shopping for car insurance in Oregon, keep in mind that several different rate factors determine what you pay for auto coverage, including where you live and what kind of vehicle you drive.

What are the best car insurance companies in Oregon?

Eagle West, General Casualty and USAA offer the best car insurance in Oregon, based on our data.

Eagle West: best car insurance rates in Oregon

Eagle West is our overall pick for best car insurance in Oregon because it offered the cheapest rates for both state-minimum and full-coverage policies.

Eagle West offered our sample driver an average premium of $401 per year for a state-minimum policy. That’s a whopping $328 per year, or $27 per month, cheaper than the average cost in Oregon for this amount of auto insurance coverage.

Eagle West also offered an average premium of $695 per year for a full-coverage policy. That’s $554 per year, or $46 per month, cheaper than the state average.

General Casualty: runner-up for cheap full coverage in Oregon

General Casualty also provides cheap full-coverage car insurance in Oregon. It offered our sample driver an average premium of $823 per year. This is $426 per year, or $35.50 per month, lower than the state average for this type of policy.

General Casualty offered our sample driver a low rate for state-minimum car insurance, too. Its average premium of $531 per year is $198 per year, or $16.50 per month, cheaper than the Oregon average for such coverage.

USAA: runner-up for cheap minimum coverage in Oregon

The average annual premium of $511 USAA offered our sample Oregon driver for minimum coverage is $218 per year cheaper than the state average. That’s a difference of just over $18 per month.

USAA also offered our sample driver an affordable rate for full-coverage car insurance. Its average premium of $890 per year is $359 per year, or nearly $30 per month, cheaper than the state average for this kind of policy.

State Farm is Oregon’s most popular car insurance company, according to data from S&P Global. It writes 20% of the state’s auto policies.

USAA, our runner-up for cheap minimum coverage, writes 7% of policies in Oregon. This makes it the seventh-largest insurer in the state in terms of market share.

Insurance company Oregon market share
State Farm 20%
Progressive 14%
GEICO 10%
Allstate 9%
Liberty Mutual 9%
Farmers 8%
USAA 7%
Country Financial 4%
American Family 3%
Travelers 2%
Source: S&P Global

Eagle West and General Casualty, our other choices for best car insurance companies in Oregon, aren’t among the state’s top 10 most popular auto insurers.

What are Oregon’s car insurance requirements?

It is illegal to drive in Oregon without 25/50/20 liability car insurance coverage, due to the state’s financial responsibility law.

The minimum amount of liability coverage an Oregon driver must carry is:

  • $25,000 of bodily injury liability coverage per person.
  • $50,000 of bodily injury liability coverage per crash.
  • $20,000 of property damage liability coverage per crash.

Oregon’s car insurance law also requires drivers to carry at least the following amounts of uninsured motorist coverage:

  • $25,000 for bodily injury per person.
  • $50,000 for bodily injury per crash.

Finally, state law requires drivers in Oregon to carry a minimum of $15,000 of personal injury protection (PIP) coverage. PIP takes care of a driver’s medical expenses, lost wages and other costs for up to three years after an accident.

SR-22 insurance in Oregon

Oregon may require you to file an SR-22 form, which proves you have at least the state-minimum amount of car insurance, in various situations. Specifically, you might need to file an SR-22 in Oregon if:

  • You are convicted of driving without insurance.
  • You are the owner of a vehicle that is not insured at the time of an accident.
  • You try to reinstate your driving privileges.
  • You apply for a hardship or probationary permit.

Rates after an accident in Oregon’s best and worst driving cities

We evaluated more than 105,000 insurance quotes from the 25 most populated cities in Oregon and ranked cities by their rate of accidents, speeding tickets, DUI’s and citations. A major accident increases Oregon's insurance rates by an average of 55%, or $741 a year on average.

How much rates increase after an accident depends on where you live, however. For example, in Oregon’s fourth worst driving city, Gresham, drivers would pay an extra $1,106 after an accident. In Oregon’s fourth best driving city, Pendleton, drivers pay an average of $706 more after an accident.

Accidents can stay on your insurance record for three years in Oregon, meaning in that period, an accident can cost drivers an extra $2,223. Here’s how the best and worst driving cities in the state break down:

Worst Driving Cities
Rank City Average rate, no accidents Average rate, one accident Increase
1 Oregon City $1,689 $2,632 $943
2 Salem $1,592 $2,470 $878
3 Clackamas $1,765 $2,759 $994
4 Gresham $1,985 $3,091 $1,106
5 Beaverton $1,667 $2,595 $928
Best Driving Cities
Rank City Average rate, no accidents Average rate, one accident Increase
1 Grants Pass $1,374 $2,109 $735
2 Lebanon $1,368 $2,112 $744
3 Prineville $1,372 $2,089 $717
4 Pendleton $1,338 $2,044 $706
5 Hermiston $1,349 $2,068 $719
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Methodology

We conducted a comprehensive study of auto insurance rates in Oregon through Quadrant Information Services. The quotes we collected were for a single, 35-year-old male who has an excellent credit score and a clean driving record. He owns a 2012 Honda Accord and drives it an average of 15,000 miles a year. His car insurance policy has 100/300/50 coverage limits and a $1,000 deductible, where applicable.

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