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The Best Car Insurance in Oregon

These are the top companies for auto insurance in the state of Oregon, no matter your ZIP code or driving record.

Best Overall
Liberty Mutual Logo

Robust coverage options, discounts and digital tools make Liberty Mutual our top choice for insurance in the state of Oregon. Additionally, it offers policy types like pet insurance, which you can bundle for extra savings.

Best for Military and Veterans
USAA Logo 2023

USAA offers financial services, including auto insurance, to military members, veterans and their families. If you qualify, it’s an excellent choice for insurance that is affordable without compromising on customer experience.

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On average, Oregonians pay $1,191 each year for auto insurance or about $99 monthly. Insurance in the Beaver State costs a little less than elsewhere in the country, at 8 percent below the national average. Your premiums depend on a number of factors unique to you, such as your desired coverage levels, where you live, any at-fault accidents and potential discounts. Below, we dive into the top companies in Oregon to help you find the best insurer for your needs and circumstances.

Summary of the Best Auto Insurance in Oregon

  1. 1.

    Best Auto Insurance in Oregon Overall: Liberty Mutual

  2. 2.

    Best Auto Insurance for Military and Veterans in Oregon: USAA

  3. 3.

    Best Auto Insurance for Pay-Per-Mile in Oregon: Allstate

  4. 4.

    Best Auto Insurance for Add-Ons in Oregon: Nationwide

Comparison of the Best Auto Insurance in Oregon

Company What it’s best for Discounts J.D. Power regional customer satisfaction (out of 1,000)1 J.D. Power customer satisfaction with shopping experience AM Best financial strength rating Review
Liberty Mutual Overall Homeowner, military, early shopper, good student, student at school, claims-free, violation-free, telematics, bundling, multicar, preferred payment, online purchase, and paperless 783 Above average A Liberty Mutual review
USAA Military and veterans Bundling, telematics, good student, multivehicle, vehicle in storage, low mileage, automatic payment, early quote, safety features, new car, loyal member, and good driver 875 Above average A++ USAA review
Allstate Pay-per-mile Bundling, multivehicle, new car, early signing, automatic payment, pay-in-full, responsible payer, student, safety features, paperless, safe driving, and telematics 783 Below average A+ Allstate review
Nationwide Add-ons Bundling, multivehicle, telematics, accident-free, good student, defensive driver course, antitheft device, violation-free, and automatic payment N/A Above average A+ Nationwide review

Detailed List: Find the Best Car Insurance Companies in Oregon

1. Best Auto Insurance in Oregon Overall - Liberty Mutual

What We Like Most:

  • Save up to 30 percent with driver monitoring program
  • Cheap average rates
  • Over 2,000 local agents throughout the U.S.

With 13.7 million auto policies nationally, Liberty Mutual is the sixth-largest insurer in the country. It’s got a great list of discounts that will help you save on premiums, plus a variety of coverages and policy types, such as pet, life or identity theft insurance that you won’t find everywhere else.

ProsWho It's Best For
  • pro
    Customers on the hunt for discounts
  • pro
    Drivers seeking a variety of coverage options and add-ons
  • pro
    People who prioritize digital tools
  • pro
    Oregonians looking for additional types of policies
ConsWho It's Not Best For
  • con
    Rideshare drivers
  • con
    Customers who want a pay-per-mile plan

Extensive Coverage and Add-On Options

Liberty Mutual offers all of the coverages you expect to find with an insurance provider, such as:

  • Bodily injury and property damage liability
  • Collision and comprehensive
  • Personal injury protection
  • Uninsured motorist
  • Rental reimbursement
  • Towing and labor

In addition, Liberty Mutual has coverage options, add-ons and perks that not every company offers. These include:

  • New/better car replacement
  • Lifetime repair guarantee
  • Gap insurance
  • Diminishing deductible
  • Mexico insurance
  • Original parts replacement
  • Accident forgiveness
  • Discounts and other benefits for teachers


Oregon’s public schools alone employ 30,284 teachers full-time.3 Liberty Mutual offers savings for teachers as well as $0 deductibles for vandalism or collision damages that occur on school property or on school business.

Good List of Discounts

A great way to save on auto insurance is to shop around for discounts. Liberty Mutual offers an array of discounts, several of which are easy to qualify for:

  • Bundling: Save when you buy more than one policy with Liberty Mutual, such as auto and renters.
  • Multicar: If your household has multiple cars, lower your bills by putting them on the same policy.
  • Preferred payment: Get a discount for enrolling in automatic payments or paying your policy premiums in one or two installments.
  • Online purchase: You save for completing your auto insurance purchase online.
  • Paperless: When you enroll in paperless billing, you get a discount.
  • RightTrack: Save up to 30 percent by tracking your driving habits with Liberty Mutual’s RightTrack app.
  • Claims-free: Get a discount for having a claims-free driving history.
  • Violations-free: If you have no violations on your record, you get a discount.
  • Homeowner: Owning a home saves you money, even if you don’t insure it with Liberty Mutual.
  • Military: Military members who are active duty, reserve or veterans get a discount.
  • Good student: If you’re a student, maintaining a B average or higher will lower your premiums.
  • Early shopper: If you’re switching to Liberty Mutual from another company, get a quote before your current policy expires to earn this discount. To see your lowest car insurance rates in Oregon, compare quotes from multiple companies.

Strong Digital Tools

Liberty Mutual is a good choice for Oregonians who want to manage their auto policy digitally. The Liberty Mutual mobile app holds a 4.6-star rating on Google Play and a 4.8 rating on the App Store. You can use the app to do the following:

  • Access your ID cards and save them in your virtual wallet for proof of insurance
  • Pay bills, enroll in autopay and update billing preferences
  • File and track auto claims
  • Request roadside assistance


Like nearly all states, Oregon allows drivers to provide proof of insurance electronically.4

2. Best Auto Insurance for Military and Veterans in Oregon - USAA

What We Like Most:

  • Cheapest rates for teens on a family policy or on their own
  • Special discount for teens transitioning off their parents’ policy
  • Strong customer service and claims process

Oregon is home to about 14,000 military members, approximately 9,400 of which serve in a reserve capacity.5 The state government reports that about 259,000 veterans live in Oregon as well.6 Founded in 1922, USAA has a number of services, including auto loans and insurance, to individuals affiliated with the United States military. It offers some of the most competitive rates around the country, including in Oregon and has a strong track record of customer satisfaction.

ProsWho It's Best For
  • pro
    Military members (including reserves), veterans and their families
  • pro
    Customers looking for cheap rates and discounts
  • pro
  • pro
    People who prioritize high customer satisfaction
ConsWho It's Not Best For
  • con
    Oregonians not affiliated with the U.S. military
  • con
    People who need gap insurance and didn’t finance with USAA

Low Rates and Good Discounts

Nationally, USAA tends to offer cheaper rates than other companies and Oregon is no exception. The average annual cost of a USAA auto insurance policy in Oregon is $770 or $65 a month. That’s about one-third less than the state average. The following discounts can help you keep your monthly premiums low with USAA:

Discount Details
SafePilot Save 10% when you enroll and up to 30% for tracking driving habits, such as braking, acceleration and phone use while driving, with USAA’s SafePilot app.
Bundling Save up to 10% when you buy both property and auto insurance from USAA.
Good student Full-time students earn a discount for maintaining a B average or higher in school.
Multi-vehicle If your household insures more than one vehicle on the same policy, you get a discount.
Vehicle storage Get a discount of up to 60% when you store your vehicle, whether due to deployment or another reason. If you garage your car on a military installation, such as Fort Lewis, you can save up to 15% on comprehensive coverage.
Low mileage Lower the miles you drive each year and you’ll lower your premiums too.
Automatic payments Save 3% when you save up automatic payments for your insurance premiums.
Early quote If you’re switching to USAA from another company, you’ll save 3% if you purchase the new policy at least seven days before it starts.
Vehicle features Get a discount if your vehicle is three model years old or newer. Regardless of your vehicle’s age, you can save if it has an antitheft device.
Loyal member If you’re transitioning off your parents’ insurance policy to your own, you save 10% by staying with USAA.
Good driver Taking an approved defensive driver or driving training course or maintaining a good record for five years will save you on auto insurance.

Quality Rideshare Coverage

If you or someone in your household drives for a rideshare company ― whether transporting passengers, food or another similar service ― it’s wise to purchase rideshare coverage.

While rideshare companies must offer liability coverage, it doesn’t kick in until you’ve picked up a passenger. However, once the app is on, most insurance companies consider you driving for commercial purposes and your personal policy will not apply. In other words: when the app is on and you’re waiting to match with a passenger or on your way to pick them up, you’re not insured.

However, when you purchase rideshare coverage, USAA will extend the protections of your personal policy to the times when you’re driving, closing the gap in protection.


Uber and Lyft have the following vehicle requirements in Oregon:

  • Portland: 10-year-old vehicle or newer with a phone mount, fire extinguisher and first aid kit in their vehicle.
  • Eugene: 15-year-old vehicle or newer with a phone mount and first aid kit
  • All other Oregon cities: 16-year-old vehicle or newer
  • Four doors and five to eight seats, including the driver’s
  • Not titled as salvaged or rebuilt

Excellent Customer Satisfaction

For the past two years, USAA has outscored the competition in customer satisfaction in the Northwest region, according to studies from the independent agency J.D. Power. Most recently, it beat out the next-highest-rated insurer, The Hartford, by nearly 40 points.

When it comes to claims satisfaction, USAA scored in the top five among insurers nationally. If you need to file a claim, you can check its status 24/7 through the USAA website and mobile app.

3. Best Auto Insurance for Pay-Per-Mile in Oregon - Allstate

What We Like Most:

  • Three ways to earn a student discount
  • Pay-per-mile option for drivers with low mileage
  • No waiting period to purchase accident forgiveness

If you mainly use your vehicle for local trips, Allstate is a good option as it’s one of the best companies for pay-per-mile insurance in Oregon. Allstate also stands out for its classic car coverage, bundling options and young driver discounts.

ProsWho It's Best For
  • pro
    People who don’t drive often
  • pro
    Students and families with young drivers
  • pro
    Classic car ownersOregonians who own their homes
ConsWho It's Not Best For
  • con
    Customers looking for the cheapest rates
  • con
    High-risk drivers, like someone with a speeding ticket on their record

Pay-Per-Mile Insurance

According to the U.S. Department of Transportation, Oregonians drive about 36 billion miles each year, which averages to approximately 11,900 annual miles per driver. That’s 1,500 miles below the national average of 13,400.7

If you drive only occasionally — for example, because you work from home, take public transportation or are retired — a pay-per-mile plan could save you money. Currently, Allstate offers its pay-per-mile plan Milewise in 21 states, including Oregon.

With Milewise, you pay a daily rate for insurance plus a per-mile rate. For example, let’s say you drive 15 miles per day on average:

Type Rate
Daily rate $1.50
Per-mile rate 6 cents x 15 miles = 90 cents
Total cost per day $2.40
Total cost per month About $75

Allstate captures your mileage with a device in your vehicle and you can track your mileage and costs with the Allstate app. If you have multiple vehicles on the same policy, they don’t all have to be on Milewise; for each vehicle, you choose whether the policy classifies it as per-mile or traditional unlimited mileage.

Discounts for Young Drivers

Oregon is home to several major universities, such as Oregon State, the University of Oregon and Portland State University. Adding teens or young drivers to your car insurance can be expensive as they pay more due to their lack of experience and increased likelihood of getting into an accident. Allstate is unique in that it offers several ways to earn its student discount, which can help young drivers and their families save on premiums.

To qualify, the driver must be unmarried, be under the age of 25 and fulfill just one of the following requirements:

  • Maintain a minimum B-minus average, which is equivalent to a 2.7 GPA (most companies require a B average/3.0 GPA)
  • Complete Allstate’s teenSMART driver education program
  • Attend school at least 100 miles away from where the car is garaged

Classic Car Coverage

If you own a classic car, Allstate offers special coverage to ensure your car is fully protected in the event of an accident or theft. Allstate stands out in that it offers coverage for an array of classic and collector vehicles, including the following:

  • Traditional antiques and classics
  • Modern classics from the 1980s, 1990s and 2000s
  • Collector vehicles valued for their unique appeal rather than vintage status, such as Mazda Miatas, Chevrolet Corvettes or Ford Mustangs
  • Classic trucks and SUVs
  • Modified vehicles, replicas and hot rods
  • Custom builds and vehicles under restoration (some providers do not cover vehicles under restoration)
  • Retired fired trucks, old military vehicles and antique tractors

An Allstate agent will work with you to assign the vehicle an agreed value when they write the policy. This ensures you will receive adequate compensation in the event you need to repair or replace your vehicle after a covered incident.

4. Best Auto Insurance for Add-Ons in Oregon - Nationwide

What We Like Most:

  • Discounts for taking a defensive driver course
  • Network of local agents
  • Usage-based insurance program for low-mileage drivers

In addition to plentiful discounts and a strong track record for customer satisfaction, Nationwide offers an array of coverage options, add-ons and perks.

ProsWho It's Best For
  • pro
    Oregonians seeking an array of add-ons and coverage options
  • pro
    Customers who want to review their insurance needs with a Nationwide professional
  • pro
    Customers who want to purchase accident forgiveness
  • pro
    People looking for a company with strong claims and customer satisfaction ratings
ConsWho It's Not Best For

Range of Add-Ons and Coverage Options

In addition to the typical coverages, Nationwide offers the following add-ons and coverage options that not all insurers offer:

Add-on/Coverage option Details
Gap coverage If your financed or leased vehicle is a total loss, Nationwide will pay the difference between the actual cash value and what you owe in car payments.
Vanishing deductible For every year of safe driving, your deductible decreases by $100, up to $500 total.
Total loss deductible waiver In the event of a total loss, Nationwide will waive your comprehensive or collision insurance deductible.
Pay-per-mile You pay a monthly base rate and a per-mile for insurance, which can save you money if you’re a low-mileage driver. Nationwide offers a road trip exception (only the first 250 miles count on a single day) and 10% off for safe driving after your first renewal.

Nationwide also has a loyalty rewards program, which has the following perks:

Loyalty reward Description
Car key replacement If you lose your key, Nationwide will reimburse you up to $400 to replace it and gain entry to your vehicle.
Fender bender forgiveness If you’re involved in a fender bender or minor accident, Nationwide won’t raise your premiums if the property damage or collision claim payout is under $2,000, even if you’re at fault. There is no limit on the number of times you can use this feature.
Special deductible provision If you experience a loss involving both auto and property, Nationwide will waive or reimburse the lower deductible.
Repair guarantee Nationwide guarantees repairs from in-network shops for as long as you own or lease your vehicle.

On Your Side Review

Navigating insurance can be complicated, even for the savviest of consumers. Not to mention, life changes like moving or getting married can change your insurance needs too.

As a perk, Nationwide offers customers a free review of their policies with one of the company’s insurance professionals. You can take advantage of this benefit every year or whenever you experience a major life event. For example, the following events might change your insurance needs:

  • Adding a new driver
  • Buying a car
  • Buying or renovating a home
  • Experiencing a change in marital status
  • Having a child
  • Moving
  • Starting a new job

Nationwide’s free assessment, called an On Your Side Review, gives you a chance to discuss your policy with a professional and decide whether any changes are warranted. With your agent, you might:

  • Make sure you fully understand your policy and benefits
  • Determine whether you hold the right amount of coverage
  • Ensure you’re taking advantage of all available discounts and benefits

Accident Forgiveness

Even the safest drivers get into accidents. In Oregon, an at-fault accident will increase your premiums by about 50 percent on average. The most recent data from the Oregon Department of Transportation reports over 28,000 crashes per year in the state.8

Nationwide offers accident forgiveness as an add-on you can purchase for your policy. In the event you cause an accident, the add-on helps you avoid increases in your insurance premiums. You can use accident forgiveness once per policy and anyone on the policy can use it. It’s a particularly good idea for families with teen drivers as teens are more likely to speed, drive distracted or engage in otherwise risky behavior behind the wheel.


Our approach to picking the top insurance companies for customers in Oregon involves the following:

  • Proprietary data: Over the past 20 years in the industry, has collected millions of data points on insurance providers across each state, including Oregon, to help match customers with the best plans for their needs. We take into account coverage options, costs and other factors and leverage data to identify the top companies in Oregon.
  • Third-party reports: We analyze information from independent agencies, such as the National Association of Insurance Commissioners, the Better Business Bureau, Moody’s, J.D. Power, AM Best and S&P Global, to assess companies’ claims process, customer satisfaction ratings, financial strength and other qualities.
  • Institutional knowledge: Our team holds extensive experience in the auto insurance industry, and we tap into this knowledge to pick the best insurance providers in Oregon based on average cost. We receive guidance from Paul Ford, president of insurance services at Centerfield,’s parent company. Ford’s experience includes tenures at Datalot, Capital One Insurance Services, Bankrate and elsewhere. His expertise informs our research and recommendations.

Frequently Asked Questions

What are the cheap car insurance companies in Oregon for full coverage?

USAA, Liberty Mutual, Country Financial and State Farm have some of the cheapest full coverage car insurance in Oregon. Average car insurance companies in Oregon charge drivers $1,310 annually for full coverage or $109 monthly.

Where can I find low-income car insurance in Oregon?

Oregon does not have a government assistance program for low-income drivers, only high-risk drivers who can’t find coverage elsewhere. However, GEICO, Nationwide and Country Financial tend to have the lowest rates for drivers with low credit. You can save money by purchasing from minimum coverage car insurance companies in Oregon or by switching to a pay-per-mile plan if you don’t drive much.

What car insurance do you need in Oregon?

In Oregon, drivers must carry the following insurance coverages at a minimum:

Coverage Limits
Bodily injury liability insurance per person $25,000
Bodily injury liability per accident $50,000
Property damage liability per accident $20,000
Personal injury protection per person $15,000
Uninsured motorist bodily injury liability per person $25,000
Uninsured motorist coverage per accident (bodily injury) $50,000

Is it a law to have car insurance in Oregon?

Yes, Oregon law requires all drivers to have car insurance. Driving without insurance in Oregon is illegal and can result in the following penalties:

  • Suspension of your driver’s license and vehicle registration
  • Minimum $265 in fines and a $75 license reinstatement fee
  • SR-22 requirement for three years
  • Possibility of vehicle impoundment


  1. Rating Services. AM Best. (2023).

  2. Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds. J.D. Power. (2023, Jun 13).

  3. Oregon Blue Book. Oregon Secretary of State. (2023).

  4. Is an electronic insurance card valid? Allstate. (2021, Oct).

  5. Oregon and Our Nation’s Military. Oregon Explorer. (2023).

  6. Employment among Oregon’s Veterans. Quality Info. (2022, Oct 28).

  7. Highway Statistics 2021. Office of Highway Policy Information. (2023, May).

  8. Motor Vehicle Traffic Crashes by City 2012-2021. Oregon Department of Transportation. (2023, Jun 16).