Cheap Auto Insurance in Oregon for 2025 (Cash Savings With These 10 Companies)
The best providers of cheap auto insurance in Oregon are State Farm, Progressive, and Country Financial. State Farm offers rates as low as $38/month. Progressive and Country Financial stand out for their reasonable rates, excellent customer service, and strong Oregon auto insurance policy options.
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UPDATED: Jan 31, 2025
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442 reviewsThe top providers of cheap auto insurance in Oregon are State Farm, Progressive, and Country Financial, with State Farm offering rates as low as $38 per month. These companies combine affordable pricing, reliable coverage, and strong customer service.
State Farm is known for its competitive rates and a large network of agents across Oregon. Progressive and Country Financial also offer solid coverage with extra perks.
Our Top 10 Company Picks: Cheap Auto Insurance in Oregon
| Company | Rank | Monthly Rate | A.M.Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $38 | B | Reliable Service | State Farm |
 | #2 | $39 | A+ | Broad Coverage | Progressive |
 | #3 | $40 | A+ | Customer Service | Country Financial |
 | #4 | $47 | A++ | Budget-Friendly | Geico |
 | #5 | $49 | A++ | Safe Drivers | Travelers |
 | #6 | $54 | A | Family Savings | American Family |
 | #7 | $56 | A+ | Full Protection | Nationwide |
 | #8 | $57 | A | Flexible Plans | Farmers |
 | #9 | $71 | A | Personalized Plans | Liberty Mutual |
 | #10 | $78 | A+ | Custom Coverage | Allstate |
Comparing these top providers for cheap car insurance rates in Oregon helps you find the best policy. Find the best auto insurance company in OR by entering your ZIP code into our free quote tool.
- OR drivers enjoy affordable auto insurance with various discounts
- Our top insurers are State Farm, Progressive, and Country Financial
- State Farm has the cheapest rates starting at $38 per month
#1 – State Farm: Top Overall Pick
Pros
- Strong Customer Support: State Farm boasts excellent service and is quick to help drivers file claims and answer questions about Oregon auto insurance.
- Low Rates: State Farm has some of the cheapest auto insurance in Oregon, with rates as low as $38 per month.
- Vast Agent Network: Oregon drivers enjoy an impressive network of local insurance agents.
Cons
- Limited Bundling Discounts: State Farm offers discounts, but Oregon drivers may find better savings with other providers’ bundling options.
- Limited Coverage for High-Risk Drivers: Drivers with complex driving history may find fewer coverage options. Read this State Farm auto insurance review for more.
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#2 – Progressive: Best for Broad Coverage
Pros
- Diverse Coverage: Progressive offers various auto insurance options in Oregon like new car replacement and gap insurance.
- Financial Stability: Progressive, as noted in this Progressive auto insurance review, has an A+ rating from A.M. Best, making it a reliable company.
- Safe Driver Discounts: Drivers with a clean record can save, making it a solid choice for cheap car insurance in Oregon.
Cons
- Higher Premiums for Young Drivers: New drivers may face higher rates, making auto insurance in Oregon more expensive.
- Limited In-Person Support: Progressive’s online focus may not suit drivers in Oregon seeking in-person help.
#3 – Country Financial: Best for Customer Service
Pros
- Exceptional Customer Support: Country Financial has responsive customer service agents, making it one of the preferred choices for Oregon car insurance customers.
- Affordable Premiums: For $40 per month, Country Financial offers relatively affordable Oregon car insurance rates.
- Savings Through Bundling: Combining home and auto policies allows significant savings, making it an excellent option according to Country Financial auto insurance reviews.
Cons
- Limited Customization Options: Country Financial may lack the extensive coverage options that some drivers in Oregon need.
- Poorer User Experience: The website and app may not be as user-friendly as competitors’ platforms for managing auto insurance in Oregon.
#4 – Geico: Best for Budget-Friendly Rates
Pros
- Affordable Rates: At $47 per month, Geico has some of the low-cost car insurance in Oregon, making it a very affordable choice.
- User-Friendly Tools: Geico’s mobile app and website enable drivers to easily manage their policies, as Geico auto insurance reviews suggest.
- Multi-Vehicle Discounts: Drivers in Oregon who own several cars can save money with Geico.
Cons
- Limited Agent Support: Geico is mainly online, which might not be to the liking of some drivers who would prefer personal contact.
- Higher Premiums for Custom Coverage: Those who require much coverage may find Geico more expensive than Oregon auto insurance companies.
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#5 – Travelers: Best for Safe Drivers
Pros
- Safe Driving Rewards: Travelers offer discounts for safe drivers through the IntelliDrive program, reducing auto insurance premiums in Oregon.
- Financial Strength: Our Travelers auto insurance review shows the company has an A++ rating, ensuring reliable payouts for Oregon policyholders.
- Bundling Discounts: Drivers can get cheap auto insurance in Oregon by bundling auto and home policies through Travelers.
Cons
- Limited Local Offices: Travelers auto insurance indicates fewer physical locations in Oregon, which may limit in-person service in smaller areas like Salem.
- Higher Premiums for High-Mileage Drivers: Auto insurance in Oregon may be more expensive for drivers with long commutes due to increased risk.
#6 – American Family: Best for Family Savings
Pros
- Family Discounts: Auto insurance in Oregon can be cheaper by adding multiple vehicles on the same policy.
- Roadside Assistance: Auto insurance in Oregon includes roadside assistance which can help with unexpected situations like flat tires, dead batteries, or running out of gas.
- Customer Satisfaction: Our American Family auto insurance review highlights the company’s excellent claims service, easing the claim filing process.
Cons
- Expensive Minimum Coverage: At $54 per month, American Family is slightly more expensive than other providers for low-cost vehicle insurance in Oregon.
- Limited Options for Rideshare Drivers: Oregon drivers who work for Uber or Lyft may find fewer coverage options with American Family.
#7 – Nationwide: Best for Full Protection
Pros
- Extensive Coverage Options: Our Nationwide auto insurance review highlights a range of choices like rental reimbursement and accident forgiveness, making it a strong option for auto insurance in Oregon.
- Vanishing Deductible: Nationwide auto insurance allows Oregon drivers to reduce their deductible over time through safe driving.
- Strong Financial Rating: With a rating of A+, Nationwide ensures good coverage and safe payouts to drivers, and it is one of the best options for car insurance in Oregon.
Cons
- Higher Quotes: At $56 monthly, car insurance rates in Oregon are more expensive with Nationwide than elsewhere.
- Limited Discounts for Older Vehicles: Drivers with older cars may find fewer savings options, as Nationwide offers limited discounts for these vehicles.
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#8 – Farmers: Best for Flexible Plans
Pros
- Flexible Payment Options: Farmers’s flexible plans make it easy for car owners to manage their finances, making it a great option for those looking for auto insurance in Oregon.
- Exclusive Savings for Teachers: Oregon teachers can get special discounts when they choose Farmers, according to Farmers auto insurance reviews.
- Coverage Add-ons: Farmers offers add-ons like equipment coverage, which appeals to drivers seeking comprehensive protection with their Oregon auto insurance.
Cons
- Higher Premiums: At $57 per month, Farmers is more expensive than the cheapest insurance in Oregon, which may not suit budget-conscious drivers.
- Limited Digital Tools: Farmers’ online tools are less advanced than those from insurers offering the cheapest insurance in Oregon.
#9 – Liberty Mutual: Best for Personalized Plans
Pros
- Customizable Coverage for Oregon Drivers: Our Liberty Mutual auto insurance review shows Oregon residents can tailor their policies to meet individual needs.
- Accident Forgiveness: With Liberty Mutual’s accident forgiveness program, Oregon drivers can avoid premium increases after their first at-fault accident.
- Multi-Vehicle Discount: Families can save on auto insurance in Oregon by insuring multiple vehicles with Liberty Mutual.
Cons
- Higher Premiums for Basic Coverage: At $71 per month, Liberty Mutual’s minimum coverage may not be the cheapest Oregon auto insurance option.
- Limited Local Agent Availability: Liberty Mutual has fewer in-person agents in Oregon, which could be inconvenient for drivers who prefer face-to-face service.
#10 – Allstate: Best for Custom Coverage
Pros
- Comprehensive Coverage Options: Our Allstate auto insurance review highlights the company’s customizable policies like new car replacement and rental reimbursement, which are ideal for Oregon drivers.
- Cash-Back Rewards for Safe Driving: Drivers in Oregon can earn cash-back rewards through Allstate’s safe driving program.
- Local Agent Network: Allstate’s extensive network of local agents provides personalized service for auto insurance in Oregon.
Cons
- Higher Premiums: At $78 monthly, Allstate is not the cheapest Oregon auto insurance option.
- Limited Discounts for Teen Drivers: Families with teenage drivers may find better savings elsewhere.
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Oregon Car Insurance Coverage and Rates
State Farm, Progressive, and Country Financial offer some of the most cheap auto insurance in Oregon, with State Farm providing the lowest rates at $38 for minimum coverage and $75 for full coverage.
Oregon Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $78 | $153 |
| $54 | $106 |
| $40 | $84 |
| $57 | $112 |
| $47 | $93 |
| $71 | $141 |
| $56 | $111 |
| $39 | $78 |
| $38 | $75 |
| $49 | $97 |
Progressive follows with rates starting at $39 and $78 per month for minimum and full coverage. Country Financial offers a good option with a minimum coverage of $40 per month and full coverage of $84 per month. These providers are excellent choices for those looking to lower their average car insurance costs in Oregon.
Oregon’s car insurance rates are among the lowest in the nation, with the average annual cost to operate a car at $2,204—31% less than the national average.
High-risk drivers may face higher rates, but by keeping a clean driving record, it’s possible to find affordable coverage. Factors like no sales tax and low licensing fees help make auto insurance in Oregon cost-effective for most drivers.
Best Oregon Car Insurance Discounts
Finding the best cheap auto insurance in Oregon is simple, with discounts from top providers. Companies like Geico, State Farm, and American Family offer savings for safe driving, bundling, and using an anti-theft device discount.
Auto Insurance Discounts From the Top Provider in Oregon
| Insurance Company | Available Discounts |
|---|---|
| Anti-Lock Brakes, New Car, Good Payer, Smart Student, Early Signing |
| Early Bird, Bundling, Defensive Driver, Good Student, Auto Safety |
| Multi-Vehicle, Good Student, Defensive Driver, Legacy Customer, Paperless Billing |
| Good Student, Anti-Theft, Multi-Vehicle, Homeowner, Senior Driver |
| Anti-Theft, Defensive Driver, Federal Employee, Seat Belt Use, New Vehicle |
| Bundling, Paperless, Safe Driver, Online Purchase, Vehicle Safety |
| Bundling, Safe Driver, Paperless, Accident-Free, SmartRide (usage-based) |
| Snapshot, Homeowner, Good Student, Paperless, Continuous Coverage |
| Drive Safe, Multi-Vehicle, Good Student, Steer Clear, Anti-Theft |
| Bundling, Good Student, Hybrid Car, New Car, Homeowner |
Programs like Progressive’s Snapshot and Nationwide’s SmartRide reduce premiums based on driving habits. These options can lower your car insurance Oregon cost while maintaining comprehensive coverage.
Telematics programs and multi-vehicle policies provide savings of up to 30%. Good student discounts and anti-theft devices also help reduce premiums significantly.
Oregon Report Card: Auto Insurance Discounts
| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Telematics Programs | A | 30% | State Farm, Geico, Allstate, Progressive, Farmers |
| Multiple Vehicles | A | 25% | State Farm, Allstate, Geico, Progressive, Farmers, Liberty Mutual, American Family, Nationwide, Travelers |
| Accident-Free | A | 25% | State Farm, Allstate, Geico, Progressive, Farmers, Liberty Mutual, American Family, Nationwide, Travelers |
| Good Student | A | 21% | State Farm, Allstate, Geico, Progressive, Farmers, Liberty Mutual, American Family, Nationwide, Travelers |
| Multiple Line | A- | 13% | State Farm, Allstate, Geico, Progressive, Farmers, Liberty Mutual, American Family, Nationwide, Travelers |
| Driver Training | B+ | 10% | State Farm, Allstate, Geico, Progressive, Farmers, Liberty Mutual, American Family, Nationwide, Travelers |
| Occupational | B+ | 7% | State Farm, Allstate, Geico, Progressive, Farmers, Liberty Mutual, American Family, Nationwide, Travelers |
| Pay-in-Full | B | 10% | State Farm, Allstate, Geico, Progressive, Farmers, Liberty Mutual, American Family, Nationwide, Travelers |
To find cheap auto insurance in Oregon, compare policies and use available discounts. This approach ensures affordable coverage and reduces the cost of your car insurance in Oregon.
Largest Car Insurance Companies in Oregon
State Farm dominates Oregon’s car insurance market with a 21.28% share, followed by Progressive at 12.71%. Other major players include Liberty Mutual, Geico, and Allstate, offering a range of premium options.
| Company Name | Total Direct Premiums Written | Loss Ratio | Market Share |
|---|---|---|---|
| Allstate Insurance | $237,418 | 54.12% | 8.14% |
| American Family Insurance | $91,870 | 66.64% | 3.15% |
| Country Insurance & Financial Service Group | $104,849 | 58.75% | 3.60% |
| Farmers Insurance | $275,252 | 54.10% | 9.44% |
| Geico | $260,828 | 70.56% | 8.95% |
| Liberty Mutual Group | $261,291 | 67.77% | 8.96% |
| Nationwide | $68,651 | 71.56% | 2.35% |
| Progressive | $370,678 | 62.08% | 12.71% |
| State Farm | $620,489 | 59.83% | 21.28% |
| USAA | $164,064 | 77.08% | 5.63% |
| State Total | $2,915,364 | 63.23% | 100.00% |
Progressive and Country Financial provides competitive rates for those seeking cheap auto insurance in Oregon. It’s essential to compare rates and loss ratios, as these indicate how effectively insurers manage claims.
Although USAA has a higher loss ratio, it is still affordable for military families. Knowing each company’s performance is essential, whether you are looking for cheap Oregon auto insurance or full coverage.
Oregon Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Average Claim Size | A | High claims, well-managed costs |
| Traffic Density | B | Moderate congestion, some delays |
| Weather-Related Risks | B | Rain and snow create risks |
| Vehicle Theft Rate | C | Higher thefts in certain areas |
| Uninsured Drivers Rate | D | Many drivers lack insurance coverage |
Oregon also faces challenges such as high vehicle theft and uninsured driver rates. Considering UM/UIM auto insurance coverage is essential for protection against these risks, especially in a state with moderate traffic and weather-related challenges.
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Driving Safely in Oregon
Auto insurance in Oregon is influenced by vehicle theft, road fatalities, and EMS response times. These elements and driving history impact insurance premiums across the state.
Oregon Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Beaverton | 1,500 | 1,200 |
| Bend | 1,000 | 800 |
| Eugene | 2,500 | 2,000 |
| Hillsboro | 1,200 | 1,000 |
| Medford | 1,000 | 900 |
| Portland | 10,000 | 8,000 |
| Salem | 3,000 | 2,400 |
Portland has the highest accident and claim rates in Oregon, with 10,000 accidents and 8,000 claims annually. Smaller cities like Bend and Medford report fewer incidents, affecting local cheapest Oregon car insurance rates.
Common claims include rear-end collisions (30%, $6,000), junction accidents (20%, $10,000), and single-car accidents (20%, $15,000). Parked auto damage and auto insurance vandalism coverage claims account for 15% and 10% of claims, with costs ranging from $3,000 to $4,000.
5 Most Common Auto Insurance Claims in Oregon
| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Rear-End Collisions | 30% | $6,000 |
| Intersection Collisions | 20% | $10,000 |
| Single-Car Accidents | 20% | $15,000 |
| Parked Car Damage | 15% | $4,000 |
| Vandalism | 10% | $3,000 |
Knowing these helps Oregonian drivers make informed decisions and choose proper coverage while managing premium costs.
How to Find the Cheapest Car Insurance Companies in Oregon
Securing affordable, cheap auto insurance in Oregon is easy if you know where to look. Follow these steps to get the best coverage at the lowest price.
- Compare Providers: Compare rates from insurers like State Farm, Progressive, and Country Financial to find the best auto insurance rates in Oregon.
- Maximize Discounts: Look for discounts such as the good student discount, multi-vehicle, and anti-theft savings to lower your Oregon car insurance cost.
- Choose Coverage Wisely: Based on your budget, choose between minimum or full coverage to keep costs low while staying protected.
- Use Telematics Programs: Progressive’s Snapshot or Nationwide’s SmartRide offers safe driving discounts and reduces premiums.
- Prioritize Customer Service: Select the best customer service company to ensure seamless claims and an easy experience with affordable auto insurance in Oregon.
By comparing providers, using discounts, and considering telematics programs, you can find the average Oregon car insurance costs while getting the coverage you need.
Minimum Coverage Requirements in Oregon
Oregon’s at-fault system holds the responsible driver financially liable for damages, including vehicle repairs and medical expenses. Minimum coverage, such as bodily injury liability insurance, is required for protection.
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The state requires $25,000 for bodily injury or death of one person, $50,000 for total injury or death, and $20,000 for property damage. Additional coverage includes $15,000 in personal injury protection (PIP) and $25,000 per person/$50,000 per accident in uninsured motorist coverage.
State Farm offers the cheapest car insurance in Oregon at a monthly rate as low as $38, backed by strong customer service and a proven track record of claims handling.
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To save, find cheap auto insurance in Oregon that meets these requirements. Liability coverage protects only the other party, so consider adding collision or comprehensive insurance for complete protection.
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Top Affordable Auto Insurance Options in Oregon
Oregon residents can find cheap auto insurance in Oregon from leading providers like State Farm, Progressive, and Country Financial. These companies offer competitive pricing along with discounts, such as safe driver discount for those with clean records.
While the average car insurance in Oregon depends on factors like location and driving history, there are plenty of affordable options available. By comparing quotes and coverage, drivers can secure the best value tailored to their needs. Use our free comparison tool to see what auto insurance quotes look like in your area.
Frequently Asked Questions
How do I get cheap auto insurance in Oregon?
You can get cheap auto insurance in Oregon by comparing quotes, utilizing discounts, and considering telematics programs like Progressive’s Snapshot for potential savings. Read more in our Progressive Snapshot program review.
How much does auto insurance cost in Oregon?
The average cost of auto insurance in Oregon is $2,204 annually, which is 31% lower than the national average. Get cheap auto insurance coverage today with our quote comparison tool.
What are the cheapest auto insurance providers in Oregon?
State Farm, Progressive, and Country Financial offer some of Oregon’s most affordable auto insurance. State Farm’s minimum coverage starts at just $38 per month.
What discounts are available for auto insurance in Oregon?
Discounts in Oregon include safe driver, bundling, anti-theft, and telematics-based discounts from programs like Progressive’s Snapshot and Nationwide’s SmartRide. Get more info in our Tesla telematics program review.
What is the lowest coverage for auto insurance in Oregon?
Oregon mandates $25,000 for bodily injury per person, $50,000 total, $20,000 for property damage, and $15,000 for PIP and uninsured motorist coverage. The average cost of car insurance in Oregon depends on coverage levels and driving history.
What’s the best way to compare car insurance quotes in Oregon?
You can compare the best Oregon auto insurance quotes using online quote tools and get reviews about coverage options, discounts, and customer service ratings from the best providers.
Are there any telematics programs available for auto insurance in Oregon?
Oregon drivers can use telematics programs like Progressive’s Snapshot and Nationwide’s SmartRide, which offer discounts based on driving behavior. Get familiar with the minimum car insurance requirements.
What is the best auto insurance company in Oregon?
State Farm is the top overall auto insurance company in Oregon due to its competitive rates and strong customer service. Progressive and Country Financial are also top options.
Does Oregon have high car insurance rates?
No, Oregon’s car insurance rates are below the national average, with the average annual premium being 31% lower than the U.S. average. Find your cheapest auto insurance quotes by entering your ZIP code into our free comparison tool.
What factors influence auto insurance rates in Oregon?
Factors affecting Oregon auto insurance rates include your driving history, vehicle type, location, and risk factors like theft and accident rates in your area. Learn the factors that affect your car insurance premiums.