Skip to Main Content

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Cheapest car insurance in Oregon for 2024

California Casualty, Travelers and Mutual of Enumclaw write some of the cheapest car insurance policies in Oregon.

Updated Jun 01, 2024
Find cheaper car insurance
A better rate is around the corner. See how much you could save in 3 minutes or less.
Location-Icon
Lock Secure Your information is secure
Badge No spam. No fees. No surprises.
Select from a variety of trusted carriers
+ MORE
User
Get matched with personalized offers
Tell us a little about yourself so we can share accurate and personalized offers. We only ask for info we know will impact your rate.
Insurance Auto
Choose the best policy for you
Compare your options from carriers who want to work with you, and select as many offers as you’d like.
Congrats
Finalize your rate and policy details
Once you pick the carrier you want, finish the process by phone with an trusted agent or entirely online. That’s it!

The cheapest car insurance companies in Oregon

When looking for cheap car insurance in Oregon, there are a few things to keep in mind. The average cost of car insurance in the Beaver State is $780 for state-mandated minimum coverage. Full coverage, which includes collision and comprehensive insurance, averages $1,904. These rates are slightly below the national averages of $640 for minimum coverage and $2,311 for full coverage.

Your own rate is likely to vary from the average, since it is based on factors unique to you and your vehicle. If you're looking for the cheapest car insurance in Oregon, you'll want to gather quotes from several carriers to see who offers you the best deal.

Key takeaways

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.
Location-Icon
Your information is kept secure

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Cheapest car insurance in Oregon for minimum coverage

The state-required minimum coverage in Oregon includes liability insurance plus personal injury protection (PIP) and uninsured motorist coverage. If you purchase the minimum amount required by law, you will pay an average cost of $780 a year.

Insurance Company Average monthly premium Average annual premium Savings vs state avg. for min coverage
$41
$490
- $290
$42
$502
- $278
Mutual of Enumclaw
$46
$546
- $234
$46
$552
- $228
Capital
$46
$556
- $224

Minimum coverage requirements for Oregon drivers

Like most states, Oregon requires drivers to carry a certain minimum amount of coverage in order to drive legally. Oregon’s minimum coverage costs $616 per year on average, though your rate may differ. According to Oregon law, you must have the following:

  • $25,000 bodily injury liability per person
  • $50,000 per accident bodily injury liability
  • $20,000 per accident property damage liability
  • $15,000 personal injury protection (PIP)
  • Uninsured motorist coverage of $25,000 per person and $50,000 per accident bodily injury liability

When looking for cheap car insurance companies in Oregon, you may assume minimum coverage is sufficient. However, only carrying the minimums could leave you financially vulnerable in costly accidents. Many insurance experts recommend that you purchase higher limits, if you can afford to. Remember that if the costs of an accident are higher than your coverage limits, you would be required to pay out-of-pocket for those costs.

You may also want to consider adding collision and comprehensive coverage to protect your investment in your vehicle. If you have a car loan or lease, your lender may require you to have these optional coverage types, which constitute full coverage.

Cheapest car insurance in Oregon for full coverage

Full coverage insurance includes collision and comprehensive insurance on top of state minimum requirements. Collision and comprehensive will pay for damages to your vehicle in the event of an accident or other covered incident, like theft or vandalism. Although full coverage costs more, it gives you more robust coverage and may save you money if you need to file a claim. The average cost of full coverage in Oregon is $1,904 a year.

Insurance Company Average monthly premium Average annual premium Savings vs state avg. for min coverage
$105
$1,263
- $641
Capital
$106
$1,274
- $630
Mutual of Enumclaw
$112
$1,340
- $564
$113
$1,357
- $547
$122
$1,463
- $441

Cheapest car insurance in Oregon for drivers with prior incidents

Full coverage insurance includes collision and comprehensive insurance on top of state minimum requirements. Collision and comprehensive will pay for damages to your vehicle in the event of an accident or other covered incident, like theft or vandalism. Although full coverage costs more, it gives you more robust coverage and may save you money if you need to file a claim. The average cost of full coverage in Oregon is $1,904 a year.

Cheapest insurance companies for drivers in Oregon with a speeding ticket: Travelers

If you receive a speeding ticket conviction in Oregon, you may see an increase in your rate. Your insurer may determine that your driving skills make you more likely for future claims, leading to increased likelihood of heightened rates as your insurer covers their risk. However, it may still be possible to find cheap auto insurance in Oregon by checking out the following insurers writing some of the most affordable car insurance policies in the state.

Insurance Company Avg. annual min coverage premium Avg. annual full coverage premium
$615
$1,621
Capital
$620
$1,511
$660
$1,871
$703
$1,927
Mutual of Enumclaw
$716
$1,747

Cheapest car insurance for drivers in Oregon with an at-fault accident: Travelers

Unless you have accident forgiveness as an optional coverage on your policy, a single at-fault accident can be enough for your premium to rise. Every insurer has its own algorithms to determine how much — if at all — your rate will increase following an accident, so comparing quotes after an accident may help you find the cheapest carrier for your circumstances. The following carriers offer the cheapest average rates in Oregon for a driver with a single at-fault accident on their record.

Insurance Company Avg. annual min coverage premium Avg. annual full coverage premium
$650
$1,692
Capital
$674
$1,646
Mutual of Enumclaw
$826
$2,076
$840
$2,372
$876
$2,352

Cheapest car insurance in Oregon for high-risk drivers: Travelers

Being deemed a high-risk driver can have a significant impact on your rate. This may occur if you have multiple speeding ticket convictions or moving violations, though few factors impact your rate as much as a DUI. Driving under the influence is taken seriously in Oregon, and your rate will typically increase if you have a DUI conviction. The following companies may offer more affordable car insurance in Oregon for those with DUIs.

Keep in mind that a DUI may make you ineligible for coverage with some insurers, so it’s important to speak with a licensed agent to verify their requirements.

Insurance Company Avg. annual min coverage premium Avg. annual full coverage premium
$707
$1,830
$717
$1,590
Capital
$789
$1,824
Mutual of Enumclaw
$888
$2,221
$908
$2,468
Lightbulb

Bankrate’s take: Because of the increased risk to insurers, there are a few companies that will not write policies for drivers who have been convicted of a DUI. They reason that someone who has this infraction in the past may be more likely to file DUI-related claims in the future. If your insurer nonrenews your policy or increases your rates dramatically after a DUI conviction, you may want to shop around for new coverage.

Cheapest car insurance for young drivers in Oregon

Age is one of the most important factors that insurers consider when determining your premium in Oregon. Statistics show that teens are involved in accidents three times more often than older drivers. Because of this, rates for teens are generally high. Finding cheap car insurance for young adults can be a challenge, but it isn't impossible.

Cheapest Oregon car insurance for insuring a teen driver: Travelers

Because teens do not have extensive years of experience behind the wheel, they may have a hard time finding low-cost car insurance in Oregon. In fact, teens pay some of the highest rates for insurance of any age group. Fortunately, most insurers offer discounts for teens, including discounts for students. If you’re insuring a teen driver, consider getting quotes from some of these cheap Oregon car insurance companies.

Insurance Company Avg. annual min coverage premium Avg. annual full coverage premium
$903
$2,511
Mutual of Enumclaw
$1,016
$2,235
$1,219
$3,411
$1,267
$3,275
$1,358
$2,618
Lightbulb

Bankrate’s take: To determine average rates for teen drivers, we looked at 16-year-old drivers who were still covered on their married parents' policies. Teens cannot have their own policy until they are 18, but even young adults may be able to save by staying on their parents' policy if they live at home.

Cheapest Oregon car insurance for teens with a ticket: Capital

As is true for adult drivers, a teen with a moving violation on their record is likely to pay more for their insurance. In Oregon, Capital and Travelers offer low average rates for teens with speeding tickets on their record. The rates below are for an 18-year-old driver on their own policy with a single speeding ticket conviction.

Insurance Company Avg. annual min coverage premium Avg. annual full coverage premium
Capital
$1,274
$3,369
$1,277
$4,005
$1,699
$4,577
$2,004
$5,527
$2,244
$5,768

Cheapest Oregon car insurance for teens with an at-fault accident: Travelers

Teens pay some of the highest average car insurance rates, and teens with accidents on their records typically face additional surcharges on their policies for at least three years. If your teen has an accident on their record, shopping around with different carriers may help you find cheaper rates. The following carriers offer some of the lowest average rates in Oregon for a teen driver with a single at-fault accident on their record.

Insurance Company Avg. annual min coverage premium Avg. annual full coverage premium
$1,380
$4,226
Capital
$1,429
$3,752
$1,915
$5,047
$2,357
$6,419
$2,600
$5,525
Lightbulb

Bankrate’s take: If you have a teen driver in your household, you may want to consider adding an endorsement to your policy for accident forgiveness. This optional coverage "forgives" a single at-fault accident. In other words, you are protected from a rate surcharge following your first at-fault accident. Not all insurers offer this coverage, and there may be restrictions in place, so talk to your agent if you are interested in adding it to your policy.

Cheapest Oregon car insurance for young drivers with a DUI: Travelers

Young drivers with DUIs make up one of the riskiest driving demographics. Most insurers will consider you a high-risk driver, and multiple infractions may make it difficult to find an insurer who will work with you. Based on our research, the following companies offer the lowest average rates for a 21-year-old with a single DUI conviction, but you'll need to request personalized quotes to find out if you're eligible for coverage with these carriers.

Insurance Company Avg. annual min coverage premium Avg. annual full coverage premium
$966
$2,874
$1,070
$2,526
Capital
$1,335
$3,312
$1,598
$4,371
$1,775
$4,974

Cheapest car insurance rates by city in Oregon

Your ZIP code influences your cost of auto insurance in Oregon. Generally, policyholders in larger cities, where there is a higher change of accidents on congested roadways, will pay more than those in rural areas. If you live in a neighborhood that sees frequent car theft, you may also pay more. Here are the cheapest large cities and cheapest cities overall for auto insurance in Oregon based on average rates.

Cheapest cities in Oregon for car insurance

Mount Vernon
City average annual min coverage premium
$567
Cheapest car insurance carrier
Travelers
Company average annual premium
$319
Canyon City
City average annual min coverage premium
$572
Cheapest car insurance carrier
Travelers
Company average annual premium
$320
Seneca
City average annual min coverage premium
$580
Cheapest car insurance carrier
Travelers
Company average annual premium
$321
Heppner
City average annual min coverage premium
$583
Cheapest car insurance carrier
California Casualty
Company average annual premium
$347
Monument
City average annual min coverage premium
$585
Cheapest car insurance carrier
California Casualty
Company average annual premium
$337

Cheapest car insurance in larger cities in Oregon

Bend
City average annual min coverage premium
$637
Cheapest car insurance carrier
California Casualty
Company average annual premium
$388
Salem
City average annual min coverage premium
$841
Cheapest car insurance carrier
Travelers
Company average annual premium
$509
Hillsboro
City average annual min coverage premium
$853
Cheapest car insurance carrier
Travelers
Company average annual premium
$549
Portland
City average annual min coverage premium
$924
Cheapest car insurance carrier
Travelers
Company average annual premium
$566
Beaverton
City average annual min coverage premium
$895
Cheapest car insurance carrier
California Casualty
Company average annual premium
$582

Car insurance discounts in Oregon

Most car insurance companies offer at least a few discounts to help you save on your car insurance rate. You can generally find a list of each company's available discounts on their website, but here are a few of the more common ones:

  • Young driver discounts: High school and college students may earn a discount if they maintain a "B" average or higher. They may also save money if they are attending a school more than 100 miles away from where their car is garaged.
  • Safe driver discounts: Many insurers use optional telematics programs to monitor their policyholders' driving skills in real time through the use of a smartphone app. If you prove to be a safe driver, you could save considerably on your premium.
  • Other discounts: Some insurers offer discounts to members of certain professions, such as teachers and first responders. Military discounts are also common. There may be discounts as well for auto safety features such as airbags, antilock brakes and or security systems.

Frequently asked questions

Clock Wait
46
years of industry expertise
Search
122
carriers reviewed
Location
34.5K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed

Methodology

Bankrate utilizes Quadrant Information Services to analyze the latest rates in June 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate increases filed by insurance companies and are weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.

Teens: Rates were determined by adding a 16-year-old teen to a 40-year-old married parent’s policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy. 

Age: Rates were calculated by evaluating our base profile with the ages 18 and 21 applied. Drivers are renters on their own policy. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.