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Best car insurance in Oregon for 2024

Updated Jun 01, 2024
The best car insurance companies in Oregon for 2024 include Geico, USAA and State Farm.
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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.

Best car insurance companies in Oregon

Based on data collected by Quadrant Information Services, drivers in the Beaver State pay an average of $780 for state-mandated minimum coverage and $1,904 for full coverage. However, your insurance quotes are likely to vary based on an assortment of 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 looked at third-party scores for customer service from the 2023 J.D. Power Auto Insurance Study and financial strength ratings from AM Best. We also considered each insurance company’s range of coverage options, available discounts and digital tool capabilities. Ultimately, Geico, Progressive, State Farm, USAA and Travelers stood out from the rest.

Insurance company
Bankrate Score
Info
Average full coverage rate Average min coverage rate
4.4
Rating: 4.4 stars out of 5
$1,579
$565
4.4
Rating: 4.4 stars out of 5
$1,357
$626
4.3
Rating: 4.3 stars out of 5
$1,994
$795
4.2
Rating: 4.2 stars out of 5
$1,500
$552
4.2
Rating: 4.2 stars out of 5
$1,263
$502

Geico

Best for discounts

Geico

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$132/mo

Avg. full coverage premium

$1,579/yr

Customer satisfaction

797/1,000

Progressive

Best for drivers with high-risk incidents

Progressive

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$113/mo

Avg. full coverage premium

$1,357/yr

Customer satisfaction

807/1,000

State Farm

Best for local offices

State Farm

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$166/mo

Avg. full coverage premium

$1,994/yr

Customer satisfaction

821/1,000

USAA

Best for military-focused coverage

USAA

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$125/mo

Avg. full coverage premium

$1,500/yr

Customer satisfaction

875/1,000

Travelers

Best for policy customization

Travelers

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$105/mo

Avg. full coverage premium

$1,263/yr

Customer satisfaction

Not rated

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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.

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Why you can trust Bankrate

Read our full methodology

To help Oregon drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

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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.

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.

Related content:

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Answer a few questions to see personalized rates from top carriers in Oregon

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.

How much is car insurance in Oregon?

The average cost of car insurance in Oregon is $1,904 per year for full coverage. This is quite a bit less than the national average full coverage premium of $2,311 per year. Minimum coverage car insurance in Oregon averages $780 annually, which is slightly more expensive than the national average of $640. Compared to nearby states, Oregon’s average full coverage car insurance rates are cheaper than California, which averages $2,667 per year, but more expensive than Washington, which is $1,582 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 is home to average highway infrastructure conditions.

City Avg. annual full coverage premium Avg. savings vs. state average

Estimate your car insurance cost in Oregon

As we’ve discussed, everything from your age to your driving history can affect your car insurance cost in Oregon. So, instead of just talking about it objectively, let’s crunch some numbers. By inputting some data about your profile, our Bankrate car insurance calculator will give you an estimate for your monthly car insurance costs.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

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Why we're asking
Methodology

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze June 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 are based on a single, 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.

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46
years of industry expertise
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122
carriers reviewed
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ZIP codes examined
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1.2M
quotes analyzed
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