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Among Oregon's most affordable car insurance providers are Mile Auto, State Farm, and USAA.
Full-coverage car insurance in Oregon averages $143 per month. The national average sits at $186. Your actual cost depends on multiple factors, including where in the state you live, your age, and your driving history.
Getting quotes from several insurers is the most reliable way to find your exact rate. The guide below breaks down Oregon's cheapest car insurance by coverage type, driver characteristics, and provider.
Affordable full-coverage car insurance in Oregon
Oregon's average monthly cost for full-coverage insurance is $143, compared to $186 nationally. Mile Auto, State Farm, and USAA rank among the state's cheapest car insurance providers.
| Average monthly full coverage cost | |
| Oregon average | $143 |
| National average | $186 |
| Mile Auto | $84 |
| State Farm | $97 |
| USAA | $115 |
| Safeco | $147 |
Affordable liability-only car insurance in Oregon
For Oregon drivers seeking the most affordable liability car insurance providers, Mile Auto, National General, and Safeco offer competitive options.
Liability-only coverage in Oregon costs $96 monthly on average, while the national figure is $104.
| Average monthly liability-only cost | |
| Oregon average | $96 |
| National average | $104 |
| Mile Auto | $73 |
| National General | $97 |
| Safeco | $108 |
| State Farm | $79 |
Cheap car insurance in Oregon by age
Age significantly impacts insurance costs. Car insurance for teens carries the steepest rates. In Oregon, teenage drivers pay an average of $295 monthly for full coverage due to limited driving experience.
Premiums decline as drivers enter their 20s, averaging $194 per month for full coverage. Costs drop further for those in their 30s and 40s, at approximately $159 and $147 monthly for full coverage, respectively.
Rates may climb again for drivers in their 60s and beyond, though not always. Oregon seniors average $117 monthly for full coverage in their 60s and $117 in their 70s.
These differences reflect varying risk levels across age groups. Younger drivers represent higher risk due to lack of experience on the road, while older drivers sometimes face increased rates due to health issues and changes in driving behavior.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $295 | $197 |
| 20s | $194 | $129 |
| 30s | $159 | $106 |
| 40s | $147 | $98 |
| 50s | $134 | $90 |
| 60s | $117 | $78 |
| 70s | $117 | $78 |
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Cheap car insurance in Oregon for high-risk drivers
Having a bad driving record increases car insurance costs. Below are Oregon's average rates for drivers with accidents, speeding tickets, or DUIs.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $195 | $130 |
| Speeding ticket | $197 | $131 |
| DUI | $231 | $154 |
Compare low-cost car insurance after an accident
For Oregon drivers with an accident on their record, Mile Auto, State Farm, and USAA provide affordable options. The average monthly full-coverage insurance rate following an accident is $195.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Mile Auto | $113 | $98 |
| State Farm | $128 | $104 |
| USAA | $153 | $125 |
Average rate:
Compare low-cost car insurance after a speeding ticket
Oregon drivers with a speeding ticket can find competitive rates from Mile Auto, State Farm, and USAA. Full coverage for drivers with a speeding ticket averages $197 per month.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Mile Auto | $106 | $92 |
| State Farm | $127 | $103 |
| USAA | $152 | $125 |
Compare low-cost car insurance after DUI conviction
Oregon drivers with a DUI on their record can access affordable full coverage through Mile Auto, State Farm, and USAA. The average full-coverage rate for drivers with a DUI is $231 per month.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Mile Auto | $129 | $111 |
| State Farm | $149 | $121 |
| USAA | $175 | $144 |
Cheap car insurance in Oregon by credit score
Oregon drivers with excellent credit average $128 monthly. Drivers with poor credit face steeper premiums, beginning at $164 per month.
These rate variations stem from how credit scores influence insurance pricing. Poor credit generally leads to higher premiums due to a perceived risk of non-payment.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $128 | $86 |
| Good | $137 | $92 |
| Average | $150 | $100 |
| Poor | $164 | $109 |
FAQs
Who offers the cheapest car insurance for drivers with a DUI in Oregon?
Drivers in Oregon with a DUI conviction face average monthly rates that are significantly higher than those with clean records. However, certain insurers specialize in high-risk coverage and offer more competitive rates for drivers rebuilding their records after a DUI. Getting multiple quotes is critical after a major violation because pricing can vary dramatically between companies.
How does my credit score affect car insurance rates in Oregon?
Oregon allows insurers to use credit-based insurance scores when setting rates for new customers, though they cannot cancel or refuse to renew existing policies based on credit alone. Improving your credit score over time can significantly reduce your premiums, making it one of the most impactful long-term strategies for lowering costs.
Why are car insurance rates higher in Portland compared to rural Oregon?
Portland and its suburbs have higher insurance rates due to increased vehicle theft rates, higher traffic density, and more frequent accident claims compared to rural areas. Urban areas also experience more comprehensive claims from vandalism and break-ins, further driving up costs for city dwellers.
Bottom line
These companies represent the cheapest options in Oregon overall, but that doesn't guarantee they're the most affordable for your specific circumstances. Comparing quotes from the best car insurance companies based on both price and service quality remains the right approach to finding your ideal insurance company.
Data throughout provided by Insurify.
Average rate:
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