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The lowest Oregon auto insurance premiums are $46/month ($557/year) for liability and $101/month ($1,210/year) for state economy comprehensive policies.
Best Car Insurance Portland Oregon
Good auto coverage in Oregon doesn’t have to cost a fortune. In fact, the cheapest auto insurance in the Beaver State comes from some of the most well-known providers in the country. We at Guides have done an in-depth study of the best auto insurance in Oregon by looking at coverage options, reputation and customer service. Here’s what we found.
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Guide Group is committed to providing you with reliable information to help you make the best decision about your car insurance. Since our customers ask us for objective and accurate information, we have developed an extensive rating system to compile a ranking of car insurance companies. We collected data from a number of car insurance providers to evaluate companies based on a wide range of factors on the list. After 800 hours of research, the final result was the overall evaluation of the individual service providers, the insurance companies achieved the highest score on the list.
Our research found that auto insurance in Oregon is much cheaper than the national average. This means Oregon drivers have the best chance of getting the best auto insurance in the state at the best price.
Below we take a closer look at the cheapest auto insurance companies and coverage options in the Beaver State.
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State Farm, USAA, Progressive, and Pemco are the cheapest auto insurance companies in Oregon. All of these companies offer affordable auto insurance and a variety of driver protection options.
*Our research team takes national conditions into account when scoring service providers. The list of providers in the chart is for Oregon auto insurance.
Because car insurance companies calculate premiums in different ways, no two car insurance quotes are the same. For this reason, we recommend that you compare car insurance quotes from multiple providers to find the best car insurance in Oregon.
The level of coverage you choose can have a big impact on your car insurance premiums. Most car insurance providers include a minimum liability estimate in addition to comprehensive car insurance. While minimum liability is required, it’s a good idea to consider car insurance for full coverage.
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We estimate that State Farm is the cheapest auto insurance provider in Oregon at $46 per month or $557 per year. USAA, Nationwide, Geico and Travelers also have strong options in the Beaver State.
State Farm offers the best comprehensive auto insurance in Oregon for $101 per month or $1,210 per year. Motorists can find affordable auto insurance with USAA, Geico and Country Money.
These rates are for a 35-year-old driver with good credit and a clean driving record. Prices vary depending on many factors.
Age, driving history and credit score are all factors that can affect the price you pay for car insurance. We compare cheap auto insurance quotes for Oregon drivers in the categories below.
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Young Oregon drivers pay more for auto insurance than older drivers in the state. This is because older drivers tend to have more years of driving experience, which makes them less responsible in the eyes of insurance companies.
The charts below show the cheapest car insurance for young drivers in Oregon, along with estimated monthly and annual costs.
State of Money generally has the lowest auto insurance premiums for 16-year-old drivers in Oregon at an average of $3,142 per year, or $262 per month. The average estimate for 16-year-old Oregon drivers is $8,403 per year, or $700 per month.
For 17-year-old Oregon drivers, State Finance typically offers the lowest rates at $2,456 per year or $205 per month. The average estimate for teenage drivers is $5,125 per year or $427 per month. This is 284% more expensive than the average government estimate.
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Financial State generally has the cheapest auto insurance for 18-year-old drivers in Oregon at an estimated $2,168 per year, or $181 per month. In Oregon, the average premium for an 18-year-old driver is $4,411 a year, or $368 a month. This is 231% higher than the average government estimate.
In Oregon, 21-year-old drivers get the lowest premiums at Geico, estimated at $1,516 a year or $126 a month. The average premium for 21-year-old drivers in Oregon is $2,178 per year, or $182 per month. This is 63% more expensive than the national average.
State Farm generally offers the best auto insurance in Oregon for 25-year-old drivers at an estimated $1,381 per year or $115 per month. The average insurance premium for 25-year-old Oregon drivers is $2,141 per year or $178 per month.
Age and location certainly affect car insurance premiums, but insurers also take into account information such as driving history and credit score when calculating premiums.
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A fugitive ticket on your driving record can increase auto insurance premiums in Oregon to $2,480 a year.
Anyone with a recent at-fault accident in their driving history will pay higher premiums for Oregon auto insurance. These annual premium costs typically add up to about $2,945 for drivers in the Beaver State.
A driving under the influence (DUI) violation marks you as a high-risk driver in the eyes of insurers, so expect higher premiums on your auto insurance plan. Comprehensive car insurance in Oregon costs about $2,811 per year for drivers with a DUI.
It is very difficult to get auto insurance in Oregon if you have bad credit. Most drivers with bad credit in the Beaver State now face an average of $3,215 a year.
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Drivers can get many discounts from many auto insurance companies in Oregon. The table below shows which auto insurance discounts offer the lowest cost of auto insurance in Oregon, which we explain in more detail below.
*These are typical car insurance discounts offered by each company. Availability of discounts may vary by state, so talk to your insurance agent to find out what auto insurance discounts you may be eligible for.
Oregon motorists can save on their insurance premiums by taking advantage of discounts available to them. When shopping for auto insurance, remember to look for providers that offer the best discounts for your situation. You can also discuss with your insurance agent if there are any discount opportunities that you are missing out on.
For those interested in finding cheap auto insurance in Beaver State, the sections below have more information:
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It’s hard not to be impressed with State Farm’s auto insurance options in Oregon. The provider has the lowest rates in Oregon and the second highest rates in J.D. Power 2022 U.S. Auto Insurance Study ℠. In addition, State Farm’s widespread local agencies often make it easy to find caring and involved representatives.
USAA is the best choice for military members, veterans and their families. The company is highly regarded for its customer-centric approach and is among the lowest cost providers in the Beaver State. However, only those with some sort of military connection can get auto insurance from USAA in Oregon.
High-risk drivers who have trouble getting coverage from other carriers often find coverage through Progressive. Whether you have a DUI on your driving record or a bad criminal record, you will have no problem getting progressive auto insurance. However, the company has below average customer service scores according to the JD Power Auto Insurance Study.
Our team reached out to Progressive for comment on its low scores, but did not hear back.
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Seattle-based Pemco is known for its strong ties to the Pacific Northwest, and customers seem to appreciate its approach. An excellent customer satisfaction rating with the BBB is outstanding, but Pemco’s financial performance is not among the best in the industry.
According to our data, the average cost of auto insurance in Oregon is $1,925 per year, or $111 per month for full coverage, based on the standard profile of a 35-year-old driver with a good driving record. This is 4% cheaper than the national average of $2008 per year.
When it comes to minimum liability, the average for Oregon drivers is $953 per year or $79 per month. This is 52% more expensive than the national average estimate of minimal access.
Age is probably the biggest factor that affects how much you pay for auto coverage. Middle-aged drivers often get cheap auto insurance in Oregon. Young drivers and especially teenagers pay