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Best car insurance in Oregon for 2023

Updated Apr 11, 2023
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Best car insurance companies in Oregon

Based on data collected by Quadrant Information Services, drivers in the Beaver State pay an average of $616 for state-mandated minimum coverage and $1,415 for full coverage. However, your own rate is likely to vary since premiums are based on personal factors, including your ZIP code, age, gender, credit-based insurance score and driving history, as well as your car's make, model and age. 

We understand that for many drivers, finding the best auto insurance in Oregon is about more than just price. To offer you a holistic overview of the best companies in the state, we also looked at third-party rankings for customer service from J.D. Power and financial strength ratings from AM Best. We also looked at the range of coverage options and available discounts, as well as digital tool capabilities. Ultimately, Geico, USAA, State Farm, Progressive and Travelers stood out from the rest.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (Northwest region)
832
/1,000
Average monthly full coverage premium
$103
Average annual full coverage premium
$1,234
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (Northwest region)
883
/1,000
Average monthly full coverage premium
$96
Average annual full coverage premium
$1,155
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Northwest region)
839
/1,000
Average monthly full coverage premium
$83
Average annual full coverage premium
$993
Progressive
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Northwest region)
819
/1,000
Average monthly full coverage premium
$125
Average annual full coverage premium
$1,498
Travelers
Rating: 4 stars out of 5
4.0
Bankrate Score
Info
J.D. Power score (Northwest region)
Not rated
Average monthly full coverage premium
$94
Average annual full coverage premium
$1,128
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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.

*USAA is not officially ranked by J.D. Power due to eligibility restrictions

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (Northwest region)
832
/1,000
Average monthly minimum coverage premium
$39
Average annual minimum coverage premium
$467
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (Northwest region)
883
/1,000
Average monthly minimum coverage premium
$40
Average annual minimum coverage premium
$483
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Northwest region)
839
/1,000
Average monthly minimum coverage premium
$36
Average annual minimum coverage premium
$432
Progressive
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Northwest region)
819
/1,000
Average monthly minimum coverage premium
$57
Average annual minimum coverage premium
$684
Travelers
Rating: 4 stars out of 5
4.0
Bankrate Score
Info
J.D. Power score (Northwest region)
Not rated
Average monthly minimum coverage premium
$39
Average annual minimum coverage premium
$472
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.

*USAA is not officially ranked by J.D. Power due to eligibility restrictions

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.

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Insurance Disclosure

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.

Best for discounts

Rating: 4.4 stars out of 5
4.4 Bankrate Score
JD Power: 832 AM Best: A++

Average annual premium

$ 1,234 for full coverage
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Why Geico made our list: In addition to some of the lowest average rates on our list, Geico has one of the longest lists of discounts in the industry which may help you offset the cost of your policy. You might save for being a federal employee, a safe driver or a member or certain organizations, like alumni groups. Geico also has a highly-rated and easy-to-use mobile app for digital policy management. However, keep in mind that the company doesn’t offer certain coverage options such as gap insurance.

Who Geico may be good for: If you're a young driver with a tight budget or someone who wants to spend as little as possible on your Oregon car insurance, Geico could be a good pick. 

Read full Geico Insurance review

Best for military-focused coverage

Rating: 4.3 stars out of 5
4.3 Bankrate Score
JD Power: 883 AM Best: A++

Average annual premium

$ 1,155 for full coverage
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Why USAA made our list: Year after year, USAA consistently receives high scores for delivering exceptional customer service. Its average full coverage premium is far lower than Oregon’s average, and policyholders may earn discounts for being a good student, insuring a new car or garaging your vehicle on a military base. Note that USAA only sells insurance to current military members, veterans and their immediate family members, so you may not be eligible for coverage. 

Who USAA may be good for: if you are stationed at Camp Rilea, Umatilla or any Oregon military installation, USAA may be a good fit for you. It may also be worth considering if a member of your immediate family is either an active-duty member of the military or a veteran.

Read full USAA Insurance review

Best for local offices

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 839 AM Best: A++

Average annual premium

$ 993 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why State Farm made our list: As the largest car insurance provider in the U.S., State Farm is a popular car insurance choice for Oregon drivers seeking low rates and a wide variety of discount options. State Farm also stands out for its two safe driving programs: Drive Safe & Save for adults and Steer Clear for drivers under 25. However, the provider has a higher-than-baseline amount of customer complaints per the National Association of Insurance Commissioners (NAIC), so drivers with customer service at top-of-mind may want to do further research before making the switch.

Who State Farm may be good for: State Farm could be a great option for drivers seeking low rates without sacrificing service, especially if you prefer to work with an in-person agent. 

Read full State Farm Insurance review

Best for drivers with high-risk incidents

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 819 AM Best: A+

Average annual premium

$ 1,498 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why Progressive made our list: Progressive earned a high Bankrate Score for its customizable policies and comprehensive mobile app. It has an extensive list of potential discounts, including homeowner, automatic payments and the Snapshot telematics program. Progressive came in slightly below the segment average in the J.D. Power study, but its mobile app is rated highly by both Google Play and iOS users. Potential policyholders looking for cheap rates may want to note that Progressive's average rates are slightly above the state average in Oregon for both full and minimum coverage. 

Who Progressive may be good for: Unlike some companies, Progressive is often willing to write policies for high-risk drivers. If you have an infraction such as a DUI or at-fault accident on your record, consider quoting with the company to see if they might have coverage available for you. 

Read full Progressive Insurance review

Best for policy customization

Rating: 4 stars out of 5
4 Bankrate Score
JD Power: Not rated AM Best: A++

Average annual premium

$ 1,128 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why Travelers made our list: Travelers has competitive average rates and stood out for its unique endorsements. Potential add-ons include rental coverage, new car replacement and gap insurance. The company's discount list is extensive, and includes some easy-to-earn discounts such as a continuous insurance and early quote, as well as some more unique options, like hybrid and electric car discounts. Unfortunately, Travelers is not ranked by J.D. Power for customer satisfaction in the Northwest region, and it came in below average in the 2022 Auto Claims Satisfaction Study

Who Travelers may be good for: Travelers' policies may be a good choice for drivers looking to customize their policy with endorsements beyond standard coverage options. The carrier may also appeal to drivers of electric and hybrid cars as it offers a potential discount for these eco-friendly vehicles. 

Read full Travelers Insurance review

How Bankrate chose the best car insurance companies in Oregon

Bankrate chose the best car insurance in Oregon through an extensive process that began by comparing average rates collected by Quadrant Information Services. The insurance editorial team assessed each company based on their coverage options, discounts and digital tool availability. Third-party customer satisfaction rankings from J.D. Power and financial strength ratings from AM Best and Standard & Poor's were also considered. After assessing all data, each company was given a Bankrate Score. 

The better a carrier performed in each category, the higher its overall Bankrate Score for a total score of 5.0 out of 5.0 points. This brief overview of each carrier could be useful during your research, and may help you more effectively compare insurers.

How much is car insurance in Oregon?

The average cost of car insurance in Oregon is $1,415 per year for full coverage. This is quite a bit less than the national average full coverage premium of $2,014 per year. Minimum coverage car insurance in Oregon averages $616 annually, which is slightly less expensive than the national average of $622. Compared to nearby states, Oregon’s average full coverage car insurance rates are cheaper than California, which averages $2,291 per year, but more expensive than Washington, which is $1,410 per year.

Full coverage car insurance rates in Oregon could be less expensive than the national average for a few reasons. Oregon has a relatively low population density, which could contribute to less crowded roadways. The state also does not have particularly high crime rates and average highway infrastructure conditions.

Average annual premium for minimum coverage in Oregon Average annual premium for full coverage in Oregon
$616 $1,415

How to find the best car insurance in Oregon

The best car insurance for you will depend on your needs and preferences. The following steps may help you nail down what considerations to make before choosing a provider.

Consider minimum insurance requirement in Oregon

Most states have minimum liability insurance requirements, including Oregon. In Oregon, drivers are required to purchase bodily injury and property damage liability, personal injury protection and uninsured motorist coverage. The exact coverage amounts you need can be found on the Oregon Department of Transportation website

Consider lender requirements

If you lease or finance your vehicle, your lender may require you to purchase full coverage insurance rather than just the minimum liability insurance required by the state. Additionally, you may want to consider gap insurance. This common optional coverage type for new vehicles pays the difference between what you owe on the vehicle and its value if your car gets totaled or is stolen and unrecoverable.

Consider your individual needs

Your unique life events often affect your auto insurance rate. For instance, will you have to add a teen driver to your car insurance? Average rates for teen drivers can be high, but some providers offer discounts for good students that could help decrease your teen’s auto insurance rate. Do you have a DUI conviction? You may want to look into insurers who offer options for high-risk drivers. Speaking with a licensed insurance agent may help you identify any special considerations you may want to take into account when choosing coverage.

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Written by
Mary Van Keuren
Insurance Contributor

Mary Van Keuren has written for insurance domains such as Bankrate, Coverage.com, and The Simple Dollar for the past five years, specializing in home and auto insurance. She has also written extensively for consumer websites including Reviews.com and Slumber Yard. Prior to that, she worked as a writer in academia for several decades.

Edited by Insurance Editor
Reviewed by Director of corporate communications, Insurance Information Institute