USAA and State Farm are the cheapest auto insurance companies in Oregon, based on QuoteWizard's survey of the state's providers. USAA has an average rate of $56 a month for minimum-coverage auto insurance. State Farm has the next-cheapest minimum-coverage rate, at $38 a month.
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Who has the cheapest car insurance in Oregon?
USAA and State Farm come in as the best car insurance companies in Oregon for drivers with a clean driving record and who are looking for either minimum-coverage or full-coverage car insurance. The two providers also have the cheapest rates if you're looking for auto insurance after an accident, DUI or a speeding ticket.
Both USAA and State Farm have rates below the Oregon state averages of $108 a month for minimum-coverage car insurance and $177 a month for full coverage. While USAA is the cheapest car insurance company in Oregon, it only provides insurance to military members and their families. If you're non-military, State Farm has the most affordable rates in Oregon.
Cheapest minimum-coverage car insurance in Oregon
Drivers in Oregon can find the cheapest minimum-coverage car insurance from USAA, with an average rate of $56 a month. State Farm also offers cheap car insurance to Oregon drivers, at $59 a month.
| Company | Monthly rate |
|---|---|
| USAA | $56 |
| State Farm | $59 |
| Allstate | $80 |
| Progressive | $89 |
| Country Mutual | $120 |
| Farmers | $121 |
| American Family | $138 |
| GEICO | $153 |
| Nationwide | $155 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest full-coverage car insurance in Oregon
The cheapest full-coverage car insurance in Oregon comes from State Farm, which offers an average rate of $95 a month. USAA is right behind, at $96 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $95 |
| USAA | $96 |
| Progressive | $150 |
| Allstate | $155 |
| Country Mutual | $180 |
| American Family | $181 |
| Farmers | $183 |
| Nationwide | $262 |
| GEICO | $290 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Full-coverage auto insurance provides a combination of liability, collision and comprehensive coverages. The difference between minimum- and full-coverage auto insurance is that liability only covers damages or injuries you cause to others, while full-coverage takes care of your own damages and costs. If you financed your car, your lender will probably require you to carry full-coverage insurance for the duration of your financing.
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Cheapest car insurance for drivers with an accident history
If there's an accident on your auto insurance record, State Farm has the cheapest rate for minimum-coverage car insurance, at $125 a month. USAA has the second-lowest rate, at $148 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $125 |
| USAA | $148 |
| Progressive | $248 |
| Allstate | $248 |
| Farmers | $259 |
| Country Mutual | $274 |
| American Family | $289 |
| Nationwide | $427 |
| GEICO | $557 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for drivers with a DUI
State Farm charges Oregon drivers $105 a month for minimum-coverage car insurance after a DUI, the cheapest rate we found. USAA has the next-lowest rate, at $160 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $105 |
| USAA | $160 |
| Progressive | $172 |
| American Family | $236 |
| Farmers | $249 |
| Country Mutual | $285 |
| Allstate | $290 |
| Nationwide | $559 |
| GEICO | $557 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
A first-offense DUI with a 0.08% blood alcohol content (BAC) in Oregon carries the following penalties:
- $1,000 fine
- 90 days suspended license
If you have a suspended license in Oregon, you will need to file an SR-22 to get your license reinstated. An SR-22 proves that you carry Oregon's required minimum-coverage car insurance. Oregon drivers with a suspended license are required to file an SR-22 for three consecutive years. This time frame can be extended if you have another offense in that three-year period.
Cheapest car insurance for drivers with a speeding ticket
Oregon drivers with a speeding ticket on their record pay the cheapest rate for minimum-coverage insurance with State Farm, at $105 a month. USAA is next, at $123 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $105 |
| USAA | $123 |
| Allstate | $184 |
| Progressive | $192 |
| American Family | $236 |
| Country Mutual | $243 |
| Farmers | $261 |
| Nationwide | $325 |
| GEICO | $388 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for teen drivers
Teen drivers in Oregon pay the cheapest rates for car insurance with USAA and State Farm. Oregon's teen drivers pay an average of $363 a month for minimum-coverage car insurance and $609 for full coverage.
Teens pay the most for car insurance of any demographic. Insurers consider teens to be considerably high-risk due to their lack of driving experience, and charge them higher rates than other age groups because of this.
Cheapest minimum-coverage car insurance for teens
USAA has the lowest minimum-coverage car insurance rate for teens in Oregon, $119 a month. The next cheapest is USAA, at $175 a month.
| Company | Monthly rate |
|---|---|
| USAA | $119 |
| State Farm | $175 |
| Allstate | $227 |
| Country Mutual | $303 |
| American Family | $319 |
| GEICO | $333 |
| Farmers | $473 |
| Progressive | $506 |
| Nationwide | $566 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest full-coverage auto insurance for teen drivers
Teen drivers in Oregon pay the most affordable rates for full-coverage car insurance with USAA, at $206 a month. State Farm has the next-cheapest average rate of $293 a month.
| Company | Monthly rate |
|---|---|
| USAA | $206 |
| State Farm | $293 |
| American Family | $433 |
| Country Mutual | $467 |
| Allstate | $483 |
| GEICO | $665 |
| Farmers | $726 |
| Progressive | $851 |
| Nationwide | $954 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for teens after an accident
If you're a teen driver in Oregon with an accident on your record, your cheapest choice is State Farm, with an average rate of $387 a month. American Family has the next-lowest rate, $680 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $387 |
| American Family | $680 |
| Country Mutual | $717 |
| Allstate | $784 |
| Farmers | $914 |
| Progressive | $946 |
| Nationwide | $1,070 |
| GEICO | $1,182 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for teens with a DUI
Oregon teens with a DUI pay the lowest average rate for liability insurance with State Farm, at $324 a month. USAA has the second-cheapest rate, $454 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $324 |
| USAA | $454 |
| American Family | $545 |
| Allstate | $741 |
| Country Mutual | $762 |
| Progressive | $844 |
| Farmers | $894 |
| Nationwide | $1,215 |
| GEICO | $1,321 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for teens with a speeding ticket
If you're a teen with a speeding ticket, USAA is your best, cheapest choice for minimum-coverage insurance. USAA offers these drivers an average rate of $267 a month. The best choice for civilian teens is State Farm, with an average rate of $324 a month.
| Company | Monthly rate |
|---|---|
| USAA | $267 |
| State Farm | $324 |
| American Family | $545 |
| Allstate | $574 |
| Country Mutual | $636 |
| GEICO | $876 |
| Progressive | $885 |
| Farmers | $923 |
| Nationwide | $1,041 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for seniors in Oregon
State Farm has the cheapest car insurance rates straight down the line for senior drivers in Oregon. If you're looking for minimum- or full-coverage car insurance, or you have accidents, DUIs or speeding tickets on your record, State Farm has the best rates.
For comparison, senior drivers in Oregon pay an average $99 a month for liability coverage and $156 for full coverage. Seniors tend to pay higher rates than younger drivers, except for teens, due to the risk that comes with decreased reflex time as we age.
Cheapest minimum-coverage auto insurance for seniors
Senior drivers pay the lowest rates for minimum-coverage auto insurance in Oregon with State Farm, at an average rate of $56 a month. USAA is next cheapest at $59 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $56 |
| USAA | $59 |
| Allstate | $70 |
| Progressive | $79 |
| Farmers | $105 |
| Country Mutual | $115 |
| American Family | $125 |
| Nationwide | $141 |
| GEICO | $143 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest full-coverage car insurance for seniors
If you're looking for full-coverage car insurance, Oregon seniors pay the cheapest rate with State Farm, at an average $90 a month. The next lowest is USAA, at $97 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $90 |
| USAA | $97 |
| Progressive | $126 |
| Allstate | $131 |
| Farmers | $153 |
| American Family | $158 |
| Country Mutual | $167 |
| Nationwide | $228 |
| GEICO | $258 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for seniors with an accident record
If you're a senior and have an accident on your driving record, you'll pay the cheapest car insurance rate with State Farm, at an average $117 a month. USAA is the second cheapest, at $165 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $117 |
| USAA | $165 |
| Allstate | $210 |
| Progressive | $228 |
| Farmers | $233 |
| American Family | $249 |
| Country Mutual | $264 |
| Nationwide | $384 |
| GEICO | $503 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for seniors after a DUI
Oregon seniors pay the lowest minimum-coverage insurance rates after a DUI with State Farm, at $99 a month. Progressive has the next most affordable rate, at $149 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $99 |
| Progressive | $149 |
| USAA | $163 |
| American Family | $204 |
| Farmers | $225 |
| Allstate | $258 |
| Country Mutual | $264 |
| Nationwide | $515 |
| GEICO | $551 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for seniors with a speeding ticket
Seniors with a speeding ticket get the lowest rates for car insurance with State Farm, at $99 a month. USAA has the second-cheapest rate, at $125 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $99 |
| USAA | $125 |
| Allstate | $156 |
| Progressive | $171 |
| American Family | $204 |
| Country Mutual | $225 |
| Farmers | $233 |
| Nationwide | $291 |
| GEICO | $357 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Find cheap car insurance in Oregon
Cheapest car insurance rates in Oregon by city
Drivers in Bend pay the cheapest rates for auto insurance among the state's biggest cities, at an average $78 a month. Medford is right behind, at $79 a month. Corvallis is the third-cheapest city in Oregon for car insurance, at $83 a month.
| City | Monthly rate |
|---|---|
| Bend | $78 |
| Medford | $79 |
| Corvallis | $83 |
| Eugene | $84 |
| Springfield | $86 |
| Salem | $103 |
| Hillsboro | $109 |
| Beaverton | $110 |
| Portland | $119 |
| Gresham | $132 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.
What are Oregon's car insurance requirements?
Oregon state law requires the following liability auto insurance limits:
- Bodily injury per person: $25,000
- Bodily injury per accident: $50,000
- Property damage liability per accident: $20,000
Oregon also requires the following personal injury protection and uninsured motorist insurance limits:
- Personal injury protection: $15,000
- Uninsured motorist insurance per person: $25,000
- Uninsured motorist insurance per accident: $50,000
Keep in mind that the minimum limits are only in place to satisfy legal requirements. Chances are that these limits would not fully cover a major accident. For instance, if you are involved in an accident that totals someone else's brand-new car, it's doubtful that $20,000 will cover it. To maintain peace of mind and financial security, we recommend raising your liability limits to the following:
- Bodily injury per person: $100,000
- Bodily injury per accident: $300,000
- Property damage liability per accident: $100,000
Methodology
QuoteWizard studied thousands of rates through Quadrant Information Services using the following car insurance companies operating in Oregon:
- American Family
- Allstate
- Country Mutual
- Farmers
- GEICO
- Nationwide
- Progressive
- State Farm
- USAA
Unless otherwise noted, the car insurance quotes analyzed were for a single, 35-year-old male with a clean driving record. He drives a 2012 Honda Accord LX an average 13,500 miles per year.
Sources:
Auto insurance by city
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