Best Car Insurance in Oregon for 2024

Oregon has stunning natural scenery and thriving cities with good food and entertainment. Thankfully for residents, Oregon’s average car insurance costs are similar to the national average. Depending on multiple factors like your driving record and age, you may be able to save more on the best car insurance in the Beaver State.

Key takeaways

• The best car insurance in Oregon is State Farm, which costs $965 for comprehensive coverage.
• Drivers with a clean driving record pay an average of $132 per month in Oregon.
• Gresham drivers generally pay the most for car insurance, a monthly average of $1,986.

Best car insurance companies in Oregon

The best car insurance in Oregon is State Farm, which costs an average of $965 a year for full coverage. USAA offered the cheapest minimum liability coverage, averaging $532 a year, and earned the highest customer satisfaction score on our list.

Farmers Insurance was the most expensive option, costing an average of $2,053 for full coverage and $1,251 for minimum coverage.

Provider	J.D. Power customer satisfaction rating	Estimated annual full coverage	Estimated annual minimum liability coverage
USAA	875/1,000	$988/year	$532/year
State Farm	821/1,000	$965/year	$593/year
Progressive	807/1,000	$1,417/year	$740/year
GEICO	797/1,000	$1,433/year	$847/year
Farmers	796/1,000	$2,053/year	$1,251/year
Allstate	783/1,000	$1,886/year	$1,171/year

USAA: Highest customer satisfaction

USAA earned the highest customer satisfaction score in Oregon, but its policies are only available to current and former military members and their families. It also offered the cheapest minimum coverage, averaging a yearly cost of $532. USAA offers standard policies like liability, collision, and comprehensive, but may not have some specialty policies found at other carriers.

Get a quote now | USAA review

State Farm: Most affordable coverage

State Farm has the most affordable insurance in Oregon available to the general public. Its full coverage is less expensive than USAA, averaging $965 annually, and its minimum insurance is just a little higher, costing an average of $593 per year. State Farm offers standard policy options but also has some specialty coverages like rideshare and emergency roadside service.

Get a quote now | State Farm review

Progressive: Best for high-risk drivers

Progressive generally offers below-average pricing on full and minimum coverage policies to drivers in Oregon. Additionally, high-risk drivers may find it more cost-effective than other carriers. Progressive provides insurance for those with DUIs, multiple speeding tickets, or at-fault accidents, among other violations, and it can also file SR-22 forms required by the courts.

Get a quote now | Progressive review

GEICO: Best for senior drivers

GEICO is a more expensive option in Oregon and earned lower customer satisfaction scores than some competitors. However, GEICO offers an optional Prime Time contract, which guarantees policy renewal for people over 50. It also offers additional discounts, like being a good driver or completing a defensive driving course.

Get a quote now | GEICO review

Allstate: Best for coverage options

Allstate is a more expensive option in Oregon, costing an average of $1,886 per year for full coverage and $1,171 for minimum coverage. It also earned the lowest customer satisfaction scores on our list. However, Allstate offers multiple policy types, including gap coverage, a vanishing deductible, accident forgiveness, and even new car replacement policies.

Get a quote now | Allstate review

Oregon auto insurance requirements

Like most states, Oregon requires drivers to have a minimum amount of insurance to drive legally.

The minimum coverage amounts in Oregon are:

• $25,000 per person in bodily injury liability
• $50,000 per accident for bodily injury liability
• $20,000 per accident for property damage liability
• $15,000 per person in personal injury protection (PIP)
• $25,000 per person in uninsured motorist (UM)
• $50,000 per accident in uninsured motorist (UM)

How to choose a car insurance provider in Oregon

If you’re looking for new insurance in Oregon or have just moved to the state, consider the following to help you find the best car insurance carrier:

• Ensure a company pays claims: Make sure a company can pay claims by checking its financial rating using a website like AM Best. It’s also wise to confirm a company is licensed in Oregon by checking the Oregon Division of Financial Regulation or the National Association of Insurance Commissioners (NAIC).
• Compare pricing: Getting quotes from at least three insurance companies can help you ensure you’re getting the best deal. Compare the coverage amounts and add-on features each company offers against your current policy to avoid a coverage gap.
• Check discounts: Discount types and amounts vary by insurance company. As you compare quotes, check that you have received every discount you’re eligible for.
• Pay attention to reviews: Read review websites like the Better Business Bureau to see how a company responds to customer complaints. Talk to friends or family members about their recommendations, especially if you have just moved or are unhappy with your current coverage.

How much does car insurance cost in Oregon?

The average cost of car insurance in Oregon is $1,594, compared to the national average of $1,582. The minimum average cost of car insurance in Oregon is $850. 

Drivers in Gresham pay the most in the state, an average of $1,986 per year. Eugene drivers pay the least, an average of $1,336.

Oregon car insurance rates by city

Where you live can dramatically affect your car insurance premium. According to analytics site NeighborhoodScout, Gresham has a high auto theft rate, and residents have a one in 97 chance of having their vehicle stolen. In Euguene, the chance of motor vehicle theft is one in 230.

City	Avg. annual full-coverage premium
Gresham	$1,986/year
Portland	$1,829/year
Hillsboro	$1,718/year
Salem	$1,625/year
Bend	$1,463/year
Eugene	$1,336/year

Methodology

FAQs about car insurance costs in Oregon