Skip to Main Content

Cheapest car insurance in Oregon for 2024

Updated Oct 01, 2024
Travelers, Mutual of Enumclaw and Capital write some of the cheapest car insurance policies in Oregon.
Location-Icon
Explore offers from trusted carriers
+ MORE

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.

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 $771 for state-mandated minimum coverage. Full coverage, which includes collision and comprehensive insurance, averages $1,939. To compare, the national averages are $664 for minimum coverage and $2,388 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 $771 a year.

$41
$497
- $274
Mutual of Enumclaw
$43
$521
- $250
Capital
$46
$556
- $215
$46
$557
- $214
$49
$590
- $181

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 $1,939 a year.

$101
$1,206
- $733
Capital
$105
$1,266
- $673
Mutual of Enumclaw
$109
$1,310
- $629
$111
$1,329
- $610
$123
$1,473
- $466

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 $1,939 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 to submit 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.

Capital
$620
$1,511
$665
$1,878
$698
$1,774
Mutual of Enumclaw
$716
$1,747
$763
$1,963

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.

$634
$1,685
Capital
$674
$1,646
Mutual of Enumclaw
$826
$2,076
$845
$2,379
$911
$2,293

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.

$691
$1,823
$773
$1,734
Capital
$789
$1,824
Mutual of Enumclaw
$888
$2,221
$1,171
$3,155
Lightbulb Icon

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.

$879
$2,498
Mutual of Enumclaw
$1,016
$2,235
$1,225
$3,420
$1,262
$2,355
$1,481
$2,966
Lightbulb Icon

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 generally cannot have their own policy until they are 18, but even young adults over that age 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: Travelers

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, Travelers and Capital 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.

$1,594
$4,620
Capital
$1,270
$3,365
$2,014
$5,542
$2,250
$5,832
$2,555
$5,292

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.

$1,739
$4,901
Capital
$1,428
$3,751
$2,374
$6,444
$2,508
$5,167
$2,629
$6,746
Lightbulb Icon

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.

$927
$2,840
$1,180
$2,794
Capital
$1,338
$3,315
$1,783
$4,977
$1,976
$5,186

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

Canyon City
City average annual min coverage premium
$554
Cheapest car insurance carrier
Travelers
Company average annual premium
$307
Mount Vernon
City average annual min coverage premium
$549
Cheapest car insurance carrier
Travelers
Company average annual premium
$307
Seneca
City average annual min coverage premium
$563
Cheapest car insurance carrier
Travelers
Company average annual premium
$307
Monument
City average annual min coverage premium
$568
Cheapest car insurance carrier
Travelers
Company average annual premium
$328
Heppner
City average annual min coverage premium
$567
Cheapest car insurance carrier
Travelers
Company average annual premium
$348

Cheapest car insurance in larger cities in Oregon

Hillsboro
City average annual min coverage premium
$849
Cheapest car insurance carrier
Travelers
Company average annual premium
$547
Portland
City average annual min coverage premium
$917
Cheapest car insurance carrier
Travelers
Company average annual premium
$566
Salem
City average annual min coverage premium
$834
Cheapest car insurance carrier
Travelers
Company average annual premium
$506
Beaverton
City average annual min coverage premium
$888
Cheapest car insurance carrier
Mutual of Enumclaw
Company average annual premium
$581
Bend
City average annual min coverage premium
$630
Cheapest car insurance carrier
Travelers
Company average annual premium
$386

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:

  • Organizational discounts: Some insurers offer discounts to certain professions, such as teachers or first responders, while others offer savings to those who belong to or work at partner organizations. Many insurers also offer a discount to members of the military and veterans.
  • Low-mileage discounts: Drivers who do not commute daily or drive infrequently may benefit from low-mileage insurance, which bases the premium on the number of miles driven. If you drive fewer miles than average (about 13,500 miles per year), you may want to seek out a company that offers this discount.
  • Defensive driving course: In many areas, you can earn a discount for taking a state-approved defensive driving course. These courses are often low-cost and some may be taken online, making it easy to earn this type of savings. In some cases, eligibility may be limited to older drivers.

Frequently asked questions

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

Methodology

Bankrate utilizes Quadrant Information Services to analyze October 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:

User Icon
40 year old
Single male and female driver
Logo for Brand name
2022 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
Auto Insurance Guide Icon
Clean driving record
Briefcase Icon
Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

Other profiles

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