Compare Cheap Auto Insurance in Oregon

Travelers has the lowest average rates for full coverage auto insurance in Oregon, with an average annual cost of $1,701. For military-affiliated drivers, the next-cheapest provider is USAA at $1,708 per year. Progressive follows at $1,734.

When it comes to minimum coverage auto insurance in the state of Oregon, military personnel, veterans, and their families have access to the lowest average rates, at $721 per year through USAA. Minimum coverage insurance is fairly expensive in Oregon, but nonmilitary drivers will likely find the most competitive rates through Progressive and State Farm, with average annual rates of $765 and $818 per year on average, respectively.

Insuring a teen driver can be quite expensive anywhere in the US, and Oregon is no exception. However, Country Financial offers affordable teen auto insurance at an average annual rate of $4,438 — far below their competitors. GEICO, the next cheapest option, has average rates of $5,391 per year.

USAA is the cheapest auto insurer on average when it comes to covering Oregon drivers with a speeding ticket on their records. For non-military drivers, State Farm and Progressive are next-cheapest.

Those with an at-fault accident on their record will likely find the lowest cost coverage from State Farm at $2,153 annually on average, followed by Travelers at $2,156 and USAA (for military families) at $2,159 annually.

For drivers in Oregon with a DUI on their records, the cheapest auto insurance will typically come from Progressive, at $1,880 per year on average. Travelers and State Farm have fairly competitive average rates as well, at $2,302 and $2,856 per year, respectively.

Having low credit can affect your insurance premiums. In Oregon, military-affiliated drivers with low credit enjoy the cheapest average rates with USAA at $2,205 annually. Country Financial ($2,443 annually) and Progressive ($2,538) have the next lowest average rates.

The price of auto insurance isn’t most drivers’ only concern. They also care about their customer service experience in the event that they need to make a claim. In Oregon, State Farm has some of the best customer satisfaction ratings, and, luckily, also offers some of the cheapest rates for most categories. USAA (for eligible drivers) also has high customer satisfaction ratings. It’s worth noting that Country Financial ranks higher in the CRASH Network Insurer Report Card but is not included in J.D. Power’s ratings.

1. Consider telematics programs: Many insurers offer programs that use devices installed in your car to monitor some driving patterns, or even simply how much you drive. This data can allow them to lower your rates if you are a safe driver.
2. Get several insurance quotes: The rates in this article are averages to help you decide where to start shopping for car insurance. However, you should always get quotes from at least a few providers, as your specific case might lead to different rates with different insurers.
3. Pay up front: Most insurers offer a discount to drivers if they pay for six months or a year of insurance up front rather than once per month. Most insurers also allow you to cancel any time without a fee and will prorate your refund. Besides, it’s one less bill you have to think about every month!
4. Take care of your credit score: Drivers are often surprised by how much their credit score can impact their insurance costs. In many cases, having bad credit can cost you more than having a DUI on your record. Some details of your credit report will affect your premiums more than others.

Auto insurance premiums are heavily influenced by a driver’s location. This is because different areas have different accident and damage risks. Population density is a big factor, as more drivers leads to more accidents involving more people. For example, in Oregon, the highest premiums are generally in the northern part of the Willamette Valley, in and around Portland.

Portland itself has average rates of $2,712 per year, which is 16 percent higher than the state average. Cities like Eugene and Bend, while comparable to Salem in size, are in more rural areas, and, in turn, have lower premiums on average.

Minimum coverage requirements for auto insurance in Oregon are pretty stringent; drivers need to have fairly comprehensive coverage in order to be legally sufficient. This includes uninsured/underinsured motorist coverage in case a driver’s minimal or nonexistent coverage fails to cover your medical bills and personal injury protection, which covers your own injuries even before fault is determined.

Oregon’s mandatory minimums are as follows:

• Bodily injury liability: $25,000 per person/$50,000 per accident
• Property damage liability: $20,000 per accident
• Personal injury protection (PIP): $15,000
• Uninsured/underinsured motorist coverage: $25,000 per person/$50,000 per accident

These coverages are only comprehensive in comparison to states with fewer requirements; they’re by no means a guarantee that they’ll be sufficient if you’re in an accident. We recommend increasing your limits and adding comprehensive and collision coverage to your policy if you can afford to.

We analyze average auto insurance premiums in Oregon for full and minimum coverage for good drivers with good credit as well as other driver profiles, including teenagers and those with DUIs, accidents, and low credit. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $100,000 per accident
• Personal injury protection (PIP): $15,000
• Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
• Comprehensive and collision: $500 deductible