Best, Cheapest Car Insurance in Oregon (2022)

The cheapest car insurance companies in Oregon: USAA, $56 a month; State Farm, $59; and American Family, $80.

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USAA and State Farm are the cheapest auto insurance companies in Oregon, based on QuoteWizard's survey of the state's providers. USAA has an average rate of $56 a month for minimum-coverage auto insurance. State Farm has the next-cheapest minimum-coverage rate, at $38 a month.

In this article

Who has the cheapest car insurance in Oregon?

USAA and State Farm come in as the best car insurance companies in Oregon for drivers with a clean driving record and who are looking for either minimum-coverage or full-coverage car insurance. The two providers also have the cheapest rates if you're looking for auto insurance after an accident, DUI or a speeding ticket.

Both USAA and State Farm have rates below the Oregon state averages of $108 a month for minimum-coverage car insurance and $177 a month for full coverage. While USAA is the cheapest car insurance company in Oregon, it only provides insurance to military members and their families. If you're non-military, State Farm has the most affordable rates in Oregon.

Cheapest minimum-coverage car insurance in Oregon

Drivers in Oregon can find the cheapest minimum-coverage car insurance from USAA, with an average rate of $56 a month. State Farm also offers cheap car insurance to Oregon drivers, at $59 a month.

Company Monthly rate
USAA $56
State Farm $59
Allstate $80
Progressive $89
Country Mutual $120
Farmers $121
American Family $138
GEICO $153
Nationwide $155
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest full-coverage car insurance in Oregon

The cheapest full-coverage car insurance in Oregon comes from State Farm, which offers an average rate of $95 a month. USAA is right behind, at $96 a month.

Company Monthly rate
State Farm $95
USAA $96
Progressive $150
Allstate $155
Country Mutual $180
American Family $181
Farmers $183
Nationwide $262
GEICO $290
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Full-coverage auto insurance provides a combination of liability, collision and comprehensive coverages. The difference between minimum- and full-coverage auto insurance is that liability only covers damages or injuries you cause to others, while full-coverage takes care of your own damages and costs. If you financed your car, your lender will probably require you to carry full-coverage insurance for the duration of your financing.

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Cheapest car insurance for drivers with an accident history

If there's an accident on your auto insurance record, State Farm has the cheapest rate for minimum-coverage car insurance, at $125 a month. USAA has the second-lowest rate, at $148 a month.

Company Monthly rate
State Farm $125
USAA $148
Progressive $248
Allstate $248
Farmers $259
Country Mutual $274
American Family $289
Nationwide $427
GEICO $557
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for drivers with a DUI

State Farm charges Oregon drivers $105 a month for minimum-coverage car insurance after a DUI, the cheapest rate we found. USAA has the next-lowest rate, at $160 a month.

Company Monthly rate
State Farm $105
USAA $160
Progressive $172
American Family $236
Farmers $249
Country Mutual $285
Allstate $290
Nationwide $559
GEICO $557
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

A first-offense DUI with a 0.08% blood alcohol content (BAC) in Oregon carries the following penalties:

  • $1,000 fine
  • 90 days suspended license

If you have a suspended license in Oregon, you will need to file an SR-22 to get your license reinstated. An SR-22 proves that you carry Oregon's required minimum-coverage car insurance. Oregon drivers with a suspended license are required to file an SR-22 for three consecutive years. This time frame can be extended if you have another offense in that three-year period.

Cheapest car insurance for drivers with a speeding ticket

Oregon drivers with a speeding ticket on their record pay the cheapest rate for minimum-coverage insurance with State Farm, at $105 a month. USAA is next, at $123 a month.

Company Monthly rate
State Farm $105
USAA $123
Allstate $184
Progressive $192
American Family $236
Country Mutual $243
Farmers $261
Nationwide $325
GEICO $388
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for teen drivers

Teen drivers in Oregon pay the cheapest rates for car insurance with USAA and State Farm. Oregon's teen drivers pay an average of $363 a month for minimum-coverage car insurance and $609 for full coverage.

Teens pay the most for car insurance of any demographic. Insurers consider teens to be considerably high-risk due to their lack of driving experience, and charge them higher rates than other age groups because of this.

Cheapest minimum-coverage car insurance for teens

USAA has the lowest minimum-coverage car insurance rate for teens in Oregon, $119 a month. The next cheapest is USAA, at $175 a month.

Company Monthly rate
USAA $119
State Farm $175
Allstate $227
Country Mutual $303
American Family $319
GEICO $333
Farmers $473
Progressive $506
Nationwide $566
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest full-coverage auto insurance for teen drivers

Teen drivers in Oregon pay the most affordable rates for full-coverage car insurance with USAA, at $206 a month. State Farm has the next-cheapest average rate of $293 a month.

Company Monthly rate
USAA $206
State Farm $293
American Family $433
Country Mutual $467
Allstate $483
GEICO $665
Farmers $726
Progressive $851
Nationwide $954
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for teens after an accident

If you're a teen driver in Oregon with an accident on your record, your cheapest choice is State Farm, with an average rate of $387 a month. American Family has the next-lowest rate, $680 a month.

Company Monthly rate
State Farm $387
American Family $680
Country Mutual $717
Allstate $784
Farmers $914
Progressive $946
Nationwide $1,070
GEICO $1,182
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for teens with a DUI

Oregon teens with a DUI pay the lowest average rate for liability insurance with State Farm, at $324 a month. USAA has the second-cheapest rate, $454 a month.

Company Monthly rate
State Farm $324
USAA $454
American Family $545
Allstate $741
Country Mutual $762
Progressive $844
Farmers $894
Nationwide $1,215
GEICO $1,321
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for teens with a speeding ticket

If you're a teen with a speeding ticket, USAA is your best, cheapest choice for minimum-coverage insurance. USAA offers these drivers an average rate of $267 a month. The best choice for civilian teens is State Farm, with an average rate of $324 a month.

Company Monthly rate
USAA $267
State Farm $324
American Family $545
Allstate $574
Country Mutual $636
GEICO $876
Progressive $885
Farmers $923
Nationwide $1,041
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for seniors in Oregon

State Farm has the cheapest car insurance rates straight down the line for senior drivers in Oregon. If you're looking for minimum- or full-coverage car insurance, or you have accidents, DUIs or speeding tickets on your record, State Farm has the best rates.

For comparison, senior drivers in Oregon pay an average $99 a month for liability coverage and $156 for full coverage. Seniors tend to pay higher rates than younger drivers, except for teens, due to the risk that comes with decreased reflex time as we age.

Cheapest minimum-coverage auto insurance for seniors

Senior drivers pay the lowest rates for minimum-coverage auto insurance in Oregon with State Farm, at an average rate of $56 a month. USAA is next cheapest at $59 a month.

Company Monthly rate
State Farm $56
USAA $59
Allstate $70
Progressive $79
Farmers $105
Country Mutual $115
American Family $125
Nationwide $141
GEICO $143
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest full-coverage car insurance for seniors

If you're looking for full-coverage car insurance, Oregon seniors pay the cheapest rate with State Farm, at an average $90 a month. The next lowest is USAA, at $97 a month.

Company Monthly rate
State Farm $90
USAA $97
Progressive $126
Allstate $131
Farmers $153
American Family $158
Country Mutual $167
Nationwide $228
GEICO $258
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for seniors with an accident record

If you're a senior and have an accident on your driving record, you'll pay the cheapest car insurance rate with State Farm, at an average $117 a month. USAA is the second cheapest, at $165 a month.

Company Monthly rate
State Farm $117
USAA $165
Allstate $210
Progressive $228
Farmers $233
American Family $249
Country Mutual $264
Nationwide $384
GEICO $503
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for seniors after a DUI

Oregon seniors pay the lowest minimum-coverage insurance rates after a DUI with State Farm, at $99 a month. Progressive has the next most affordable rate, at $149 a month.

Company Monthly rate
State Farm $99
Progressive $149
USAA $163
American Family $204
Farmers $225
Allstate $258
Country Mutual $264
Nationwide $515
GEICO $551
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for seniors with a speeding ticket

Seniors with a speeding ticket get the lowest rates for car insurance with State Farm, at $99 a month. USAA has the second-cheapest rate, at $125 a month.

Company Monthly rate
State Farm $99
USAA $125
Allstate $156
Progressive $171
American Family $204
Country Mutual $225
Farmers $233
Nationwide $291
GEICO $357
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Find cheap car insurance in Oregon

Cheapest car insurance rates in Oregon by city

Drivers in Bend pay the cheapest rates for auto insurance among the state's biggest cities, at an average $78 a month. Medford is right behind, at $79 a month. Corvallis is the third-cheapest city in Oregon for car insurance, at $83 a month.

City Monthly rate
Bend $78
Medford $79
Corvallis $83
Eugene $84
Springfield $86
Salem $103
Hillsboro $109
Beaverton $110
Portland $119
Gresham $132
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

What are Oregon's car insurance requirements?

Oregon state law requires the following liability auto insurance limits:

  • Bodily injury per person: $25,000
  • Bodily injury per accident: $50,000
  • Property damage liability per accident: $20,000

Oregon also requires the following personal injury protection and uninsured motorist insurance limits:

  • Personal injury protection: $15,000
  • Uninsured motorist insurance per person: $25,000
  • Uninsured motorist insurance per accident: $50,000

Keep in mind that the minimum limits are only in place to satisfy legal requirements. Chances are that these limits would not fully cover a major accident. For instance, if you are involved in an accident that totals someone else's brand-new car, it's doubtful that $20,000 will cover it. To maintain peace of mind and financial security, we recommend raising your liability limits to the following:

  • Bodily injury per person: $100,000
  • Bodily injury per accident: $300,000
  • Property damage liability per accident: $100,000

Methodology

QuoteWizard studied thousands of rates through Quadrant Information Services using the following car insurance companies operating in Oregon:

  • American Family
  • Allstate
  • Country Mutual
  • Farmers
  • GEICO
  • Nationwide
  • Progressive
  • State Farm
  • USAA

Unless otherwise noted, the car insurance quotes analyzed were for a single, 35-year-old male with a clean driving record. He drives a 2012 Honda Accord LX an average 13,500 miles per year.

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