Best, Cheapest Car Insurance in Oregon (2022)

Oregon drivers pay an average of $117 a month for minimum car insurance coverage. We can help you find a better rate.

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Best, Cheapest Car Insurance in Oregon (2022)

If you're a driver in Oregon, you'll pay an average $117 a month for minimum-coverage car insurance, or $188 a month for full coverage. If you're looking for the cheapest auto insurance company in Oregon, State Farm has the lowest rates for both minimum and full coverage, according to our research.

While the cost of auto insurance is a high priority for most, factors such as coverage benefits and customer satisfaction are important as well. We put together this overview of the major car insurance providers in Oregon to help you find the best and cheapest auto insurance quote.

We'll cover:

How much is car insurance in Oregon?

The average cost of minimum auto insurance in Oregon is $117 a month, based on our data. That's 34% higher than the average U.S. auto insurance rate of $87 a month. The Oregon rate for full-coverage auto insurance is $188 a month, 6% higher than the national average of $178 a month. A full-coverage policy generally includes liability, collision and comprehensive coverages.

Average monthly auto insurance rates in Oregon vs. nationwide
Region Minimum coverage Full coverage
Oregon $117 $188
National $87 $178
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Oregon's auto insurance rates are higher than the national average in part due to extreme weather in the state, like heavy flooding. Furthermore, nearly 11% of Oregon drivers are uninsured, according to the Insurance Research Council. The cost of uninsured drivers is passed onto drivers with insurance, raising their rates.

What are the best, cheapest car insurance companies in Oregon?

State Farm has the cheapest average rates in Oregon for both minimum and full-coverage car insurance, our research shows. State Farm's average rate for minimum coverage is $53 a month, and its full-coverage rate is $85 a month. Progressive has the second-cheapest average rates: $67 a month for minimum coverage and $85 for full coverage.

At the high end, Travelers has the most expensive car insurance rates in Oregon, $227 a month for minimum coverage and $378 for full coverage.

 
 

Looking deeper into the policy offerings and customer satisfaction trends of the biggest car insurance providers in Oregon, we found that State Farm, Progressive and USAA stood out as the state's best companies. Here's why.

State Farm: cheapest rates and most popular

State Farm's low average rate of $85 a month for minimum car insurance is good compared to quotes from other providers in Oregon, but depending on which part of the state you live in, you could get an even lower rate. State Farm customers in Eugene pay an average $57 a month. State Farm policyholders in Bend having the second-cheapest rate of $60 a month. The table below shows how State Farm's average rates range in Oregon's 10 largest cities:

State Farm minimum car insurance rates in Oregon by city
City Average monthly rate
Beaverton $86
Bend $60
Corvallis $57
Eugene $65
Gresham $103
Hillsboro $84
Medford $65
Portland $95
Salem $80
Springfield $61
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

On top of the lowest rates, State Farm is also the most popular of the car insurance providers we looked at in Oregon. According to the Insurance Information Institute, State Farm holds 16.2% of the national market share of the auto insurance industry.

Part of State Farm's popularity is its customer service. According to J.D. Power's 2021 U.S. Auto Insurance Study, State Farm received a rating of 844 out of 1,000 for overall customer satisfaction. That's well above the average rating of 827 in the Northwest region, and gives State Farm the highest ranking in the region.

An auto insurance company's customer satisfaction rating is gauged based on factors such as a provider's billing and claims processes, customer interaction and policy offerings. The higher a car insurer's customer satisfaction rating, the better. This puts State Farm in a strong top position.

Progressive: cheap rates and best discounts

Progressive has the second overall lowest average rates in Oregon, at $67 a month for minimum coverage and $110 a month for full coverage. The table below reflects Progressive's costs for car insurance in Oregon's biggest cities.

Progressive standard car insurance rates in Oregon by city
City Average monthly rate
Beaverton $124
Bend $95
Corvallis $87
Eugene $96
Gresham $154
Hillsboro $120
Medford $89
Portland $132
Salem $118
Springfield $94
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Progressive provides the best discounts of the car insurance companies we looked at in Oregon. They include:

  • Online signing: An easy discount to get if you sign your auto insurance policy documents online. You can save an average of 9% off your premium.
  • Multi-policy: If you bundle your car insurance with a renters, home or life insurance policy through Progressive, you can save up to 5% on your auto insurance.
  • Multi-car: Do you need to insure more than one car? If you have two or more cars on your auto insurance policy, you can get an average discount of 4%.
  • Teen driver: Car insurance can be expensive for teen drivers. If you are a teen, or the parent of one, you may be able to get a discount that can help lower your car insurance costs.

Progressive also has an excellent track record with claims resolution. The National Association of Insurance Commissioners gives Progressive 0.2 in its Complaint Index. The Complaint Index reflects how well a provider deals with claims issues such as payout amount and resolution speed. Progressive's Complaint Index is well below the National Complaint Index of 1.0, making Progressive one of the strongest car insurance companies for claims resolution we found in Oregon.

USAA: cheap rates and best for military members

USAA has the third-cheapest rate for minimum car insurance in Oregon, $76 a month. However, its rates tend to run higher in the state's more densely populated regions. The following table shows USAA's rates in Oregon's larger cities.

USAA minimum car insurance rates in Oregon by city
City Average monthly rate
Beaverton $142
Bend $113
Corvallis $114
Eugene $121
Gresham $164
Hillsboro $140
Medford $108
Portland $150
Salem $132
Springfield $124
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

If you are a current or retired military member, USAA may be an excellent choice. Its insurance offerings are limited to members of the Armed Forces, along with some benefits customized especially for them. For example, during deployment, USAA offers overseas auto insurance. Furthermore, if you decide to leave your car in the U.S. during your deployment, it offers storage discounts and options to keep your vehicle safe at home.

USAA is often considered the top of the heap for customer satisfaction in the insurance industry. J.D. Power's 2021 U.S. Auto Insurance Study gives the company 884 out of 1,000 for overall customer satisfaction in the Northwest. USAA isn't in J.D. Power's ranking for customer satisfaction due to its limited customer base, otherwise it would be at the top in the region.

Additionally, the NAIC gives USAA a Complaint Index of 0.8. The lower the score the better, putting USAA in an excellent position overall for customer care.

Oregon's minimum auto insurance limits

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 PIP 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 for legal reasons. 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 your financial security, we recommend raising your auto insurance 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

We used Quadrant Information Services to generate thousands of car insurance quotes from every ZIP code in Oregon from the following providers:

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

Our sample driver is a 35-year-old male with a clean record who drives a 2012 Honda Accord LX 13,500 miles per year.

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