Oregon’s lowest car insurance 2023

Note from the editor: Perhaps you are looking for car insurance for your first time, or are trying to lower your monthly premium by shopping for insurance. This article is a good starting point to your research on car insurance. There are many factors that affect the cost of car insurance. While you might not […]

Note from the editor: Perhaps you are looking for car insurance for your first time, or are trying to lower your monthly premium by shopping for insurance. This article is a good starting point to your research on car insurance. There are many factors that affect the cost of car insurance. While you might not be able to see exact premiums, they will give you an idea about the best rates available in your area.

You need the right insurance to protect your car, whether you are driving along the Oregon coast or making a commute into Portland.

We compared the cost of basic Oregon auto insurance among several Oregon insurance companies and determined which one offers the lowest estimated rates at the minimum coverage for a variety of driver profiles and needs.

Our calculations were based on a fairly neutral driver profile (no claims, tickets, or accidents). This allowed us to compare rates and provide a baseline view of the rates offered by different insurers. Your driving record and other factors that impact car insurance such as your age, vehicle type and coverage options, may affect your rates.

Continue reading to find out about Oregon’s average car-insurance rates. We also have some recommendations for the best deals.

Oregon car insurance rates

The average monthly premium for Oregon car insurance is just below $60 and can go up to $120 depending on what coverage you choose and who you are.

Monthly average auto insurance premiums in Oregon

Driver and coverage	Avg. Monthly cost
Oregon’s minimum state-required car insurance	$58.85
Oregon drivers with bad credit	$92.77
Multiple claims drivers in Oregon	$122.20
Young drivers in Oregon	$83.94

5 Best Car Insurance Companies in Oregon

Continue reading to find out more about Oregon’s five lowest-priced car insurance companies. To get an accurate idea of the average cost of auto insurance, we used a specific Oregon driver profile.

Except where noted, the Oregon driver is between 36 and 45 years old, has a 680 credit score to 719 credit rating, drives a car valued $20,000 to $35,000, and has never been charged with any violations. We can help you find the best car insurance company for drivers with different credit scores, ages, and coverage options.

1. USAA

USAA is the cheapest car insurance company for Oregon drivers. It offers minimum coverage for $39.17 per monthly and car insurance starting at $39.17 per. USAA auto insurance is only available to military personnel and their spouses or children. USAA offers many discounts and a wide range of coverage options. USAA also offers a SafePilot program that rewards drivers who record safe driving habits.

Review USAA auto insurance.

2. State Farm

For $40.63 per month, basic coverage for Oregon drivers could be eligible for auto insurance from State Farm. State Farm also offers comprehensive and collision insurance. They also offer rideshare insurance, rental insurance, and emergency roadside assistance. Driving safely and having certain safety features can help drivers save money on their premiums.

See reviews about State Farm auto insurance.

3. Geico

Geico offers car insurance for as low as $41.10 per monthly for Oregon drivers. Geico customers can choose from a variety of coverage options, in addition to the minimum coverage. Geico customers have the opportunity to save money by bundling policies and maintaining a safe driving record. Geico’s mobile app lets users manage their policy, pay bills and request roadside assistance. They can also get a photo estimate.

See reviews about Geico auto insurance.

4. Oregon Mutual

Oregon Mutual provides car insurance through independent agents. They could offer basic Oregon driver profile car insurance starting at $44.42 per monthly. Oregon Mutual has been offering insurance for personal, commercial, and agricultural purposes (it even insures winesries) for over 125 years. Customers have access to 24/7 towing and roadside assistance, as well as a network approved appraisal and repair shops.

5. Country

Country, like Oregon Mutual, sells insurance through independent agents. For minimum coverage, our Oregon driver could pay as low as $44.72 per monthly through Country. Country provides all the standard collision, comprehensive, and uninsured motorist coverage options. Add-ons include vehicle rental and trip interruption coverage. Personal effects coverage, safety glasses coverage and The Keeper which covers the entire value of your car in the event it is totaled in an auto accident. Country offers teen drivers additional discounts and programs, as well as loyalty, driver, and safety discounts.

The cheapest state-minimum auto insurance in Oregon

You may want to look into state-minimum coverage if you are looking for ways you can lower your premium or insure an older vehicle. This insurance is sometimes called liability-only insurance and it provides the minimum amount of protection that the state requires to legally drive your car.

These insurance companies offer state-minimum coverage and have the lowest premiums.

The cheapest car insurance companies Oregon to provide state-minimum coverage

1	USAA	$39.17/month
2	State Farm	$40.63/month
3	Geico	$41.10/month
4	Oregon Mutual	$44.42/month
5	Country	$44.72/month

Best car insurance for people with good credit in Oregon

When determining the cost of your insurance, insurers take many personal data points into account. Your credit score is one of these factors. People with better credit generally pay less for car insurance than people with lower credit scores.

These companies offer the best rates for drivers who have good credit and are looking for basic coverage.

5 best car insurance companies in Oregon to those with good credit

1	State Farm	$32.64/month
2	USAA	$33.89/month
3	Geico	$38.56/month
4	Nationwide	$38.81/month
5	Travelers	$40.35/month

Lowest car insurance in Oregon for people with poor credit

Your monthly premium for car insurance may be higher if your credit score isn’t good. There are ways you can lower your insurance costs, such as maintaining a clean driving record and bundling multiple policies.

These are the five lowest-priced car insurance companies in Oregon for drivers with less than 580 credit scores who need minimum coverage.

5 best car insurance companies in Oregon to those with bad credit

1	Geico	$49.50/month
2	Nationwide	$65.00/month
3	Oregon Mutual	$72.04/month
4	Mutual Of Enumclaw	$78.54/month
5	Country	$78.82/month

The cheapest car insurance for Oregon drivers who have multiple claims

Another factor that influences the price of car insurance is your claims history. Car insurance rates will be higher for drivers who have multiple claims than those with fewer claims.

These five insurers offer the lowest rates for minimum coverage for drivers who have multiple claims.

5 best car insurance companies in Oregon to cover multiple claims

1	General Casualty	$64.08/month
2	State Farm	$67.46/month
3	Nationwide	$75.13/month
4	Capital Insurance Group	$79.67/month
5	Oregon Mutual	$80.58/month

Cheapest insurance for young drivers in Oregon

Your age can also play a part in the cost of your car insurance. Younger drivers are generally more costly to insure than older drivers.

These are the five most affordable insurers available for Oregon drivers aged 18-21 who need basic car insurance.

Top 5 Best Oregon Car Insurance Companies for Young Drivers

1	General Casualty	$51.92
2	State Farm	$56.75
3	Geico	$56.90
4	USAA	$58.73
5	Country	$62.33

Oregon auto insurance requirements

Oregon drivers must carry $25,000 per person, $50,000 per accident of bodily injuries and uninsured motorist coverage. You will also need $20,000 per incident of property damage insurance, and $15,000 per person for personal injury protection insurance (or PIP). If you are a driver on a car lease or loan, you may need additional insurance.

Is there usage-based insurance in Oregon ?

UBI (usage-based insurance) is vehicle insurance that allows customers the ability to pay premiums based upon their driving habits. Oregon residents may be able save money on their car insurance premiums if they use their insurers’ usage based insurance program.

FAQs regarding the lowest car insurance rates in Oregon

Methodology

Based on the profile for a driver between 36 and 45 years old living in Oregon, the estimated rates shown here are the lowest. The rates shown assume that there is only one driver on the policy, with no driving tickets and no claims. This estimate assumes that the vehicle is worth between $20,000 to $30,000 with an annual mileage of 12,000-15,000 and has an annual value between $20,000 and $30,000 Rates for insurance for good credit are based on scores of 720 and higher. Rates for insurance for people with poor credit range from 350 to 579. The estimated rates for young drivers are those aged 18-21. Rates for multiple claims are based on two claims.

Quadrant Information Services provides rates every six months. Quadrant Information Services does not include all insurance companies in the rate data. These rates are estimates and are not intended to be used as a comparison or frame of reference. Rates can vary depending on many factors such as vehicle driving habits, age, and past history.

Full-coverage car insurance covers bodily injury, property damages, collision, and comprehensive coverages. Oregon’s 25/50/20 insurance policy is included in the average monthly premium for car insurance with minimum coverage.