Best car insurance companies in Oregon

Fact-checked with HomeInsurance.com

    Article Highlights

    For drivers looking for the best car insurance in Oregon, we have provided an overview of the top providers by market share. Our report includes a look at what the average rates are for Oregon and how these rates are affected by your driving record. You can also compare rates by provider and major cities in Oregon.

    The average Oregon driver pays $1,263 per year for insurance, which breaks down to about $105 each month for 12 months of coverage. In comparison, the national average car insurance rate in the United States is $1,555 per year for a 12 month, full coverage policy. The average minimum coverage rate across the U.S. is $545 for a 12 month premium.

    While these rates may be useful in your comparison-shopping, please keep in mind that the following rates represent averages for Oregon and may not reflect your actual premium quote.

    Oregon quickfacts

    • Cheapest carrier for full coverage in Oregon is GEICO: $1,079
    • Cheapest carrier for minimum coverage in Oregon is GEICO: $443
    • Carrier with highest customer satisfaction in Oregon: USAA
    • Number of uninsured drivers in Oregon: 12.7%
    • Oregon is on the lower end for car insurance rates

    Average cost of car insurance in Oregon

    Clean record 1 speeding ticket 1 accident
    Full coverage$1,281$1,608$1,922
    Minimum coverage$578$708$865

    Quadrant data services, 2020

    Best car insurance companies in Oregon

    Average annual premiums by insurance carrier

    Company Full coverage rate Minimum coverage rate
    Allstate$1,639$814
    GEICO$1,079$443
    Farmers$1,370$562
    Progressive$1,412$611
    Travelers$1,234$514
    State Farm$1,344$635
    USAA$1,112$514
    COUNTRY Financial$1,294$535

    Quadrant data services, 2020

    Car insurance rates in Oregon by city

    City Full coverage annual rate Minimum coverage annual rate
    Portland$1,484$691
    Salem$1,253$581
    Eugene$1,100$483
    Gresham$1,499$708
    Hillsboro$1,293$619

    Quadrant data services, 2020

    Methodology

    Coverage Utilizes Quadrant Information Services to analyze quoted rates from thousands of zip codes across all 50 states, using the top 15 carriers by premiums written by state. Quoted rates are based around the profiles of a 30 year male and female with clean driving records, good credit and the following full coverage details:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting 5 days a week and driving 12,000 miles per year.

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