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The Cheapest Car Insurance in Oregon for December 2024

Here is the cheapest car insurance in Oregon according to NerdWallet's analysis.

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.Updated Dec 1, 2024 · 4 min read
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Nerdy takeaways

  • QBE offers the cheapest full coverage in Oregon, with an average rate of $1,242 per year according to NerdWallet's December 2024 analysis.

  • Full coverage in Oregon costs an average of $1,976 per year, or $165 per month.

  • If you want the cheapest policy possible, get minimum coverage. The average cost of minimum coverage in Oregon is $868 per year, or $72 per month.

Auto insurance is an important purchase, but finding cheap car insurance in Oregon isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

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Keep reading to find the cheapest car insurance in Oregon for different driver profiles and coverage types among:

Cheap car insurance in Oregon

Here's the cheapest full coverage car insurance in Oregon for 35-year-old drivers with different driving records.

CategoryCheapest companyMedian annual rate
Clean driving historyQBE$1,242
After a DUICIG$1,996
After an accidentCIG$1,846
After a speeding ticketOregon Mutual$1,682
Having poor creditKemper$1,715

The cheapest car insurance company in Oregon is QBE at $1,242 per year on average, or $104 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Oregon. Meanwhile, the average cost of full coverage car insurance in Oregon is $1,976 per year, or about $165 per month.

Minimum coverage in Oregon is $868 per year on average, but we found you can likely get a cheaper policy. For example, California Casualty offers the cheapest rates in Oregon at $384 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

🤓Nerdy Tip

Did your rates go up? Auto insurance prices are on the rise in Oregon. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.

NerdWallet also analyzed car insurance rates to find the cheapest options in Portland.

How we chose the cheapest companies in Oregon

NerdWallet’s editorial team analyzed car insurance rates from 18 auto insurers in Oregon and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2022 Toyota Camry LE. For minimum coverage, we looked at rates that reflect the minimum requirements in Oregon. For full coverage, we used the below 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 coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

  • Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Oregon where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheap auto insurance in Oregon for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Oregon for 20-year-olds

Drivers in Oregon with clean driving records may want to consider the following companies, which had the lowest average rates:

CompanyMedian annual rateMedian monthly rate
QBE$2,056$171
CIG$2,272$189
California Casualty$2,767$231
Kemper$3,137$261
Progressive$3,676$306

Cheapest minimum coverage car insurance in Oregon for 20-year-olds

Drivers in Oregon who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

CompanyMedian annual rateMedian monthly rate
QBE$720$60
CIG$830$69
California Casualty$836$70
Progressive$1,196$100
Travelers$1,270$106

Cheapest car insurance in Oregon for 20-year-olds with poor credit

Drivers with poor credit in Oregon should look at the following insurers with the lowest average rates for minimum coverage:

CompanyMedian annual rateMedian monthly rate
CIG$1,218$102
QBE$1,459$122
Geico$1,693$141
California Casualty$1,697$141
Progressive$2,002$167

Cheapest car insurance in Oregon for 20-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Oregon, here are the companies with the lowest average rates for minimum coverage:

CompanyMedian annual rateMedian monthly rate
CIG$918$77
QBE$954$80
California Casualty$1,091$91
Progressive$1,467$122
Travelers$1,574$131

Cheapest car insurance in Oregon for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Oregon, here are the companies with the lowest average rates for minimum coverage:

CompanyMedian annual rateMedian monthly rate
QBE$954$80
CIG$990$83
California Casualty$1,382$115
Progressive$1,471$123
Travelers$1,711$143

Cheapest car insurance in Oregon for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

CompanyMedian annual rateMedian monthly rate
CIG$1,146$96
QBE$1,268$106
Progressive$1,373$114
California Casualty$1,589$132
Travelers$1,902$158
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Cheap auto insurance in Oregon for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Oregon for 30-year-olds

Drivers in Oregon seeking full coverage auto insurance can check with the following companies, which had the lowest average rates:

CompanyMedian annual rateMedian monthly rate
QBE$1,231$103
California Casualty$1,496$125
CIG$1,536$128
Oregon Mutual$1,670$139
Kemper$1,801$150

Cheapest minimum coverage car insurance in Oregon for 30-year-olds

Drivers in Oregon who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

CompanyMedian annual rateMedian monthly rate
California Casualty$379$32
QBE$546$46
CIG$610$51
State Farm$665$55
Geico$673$56

Cheapest car insurance in Oregon for 30-year-olds with poor credit

Drivers with poor credit in Oregon should consider the following companies with the lowest average rates for minimum coverage:

CompanyMedian annual rateMedian monthly rate
California Casualty$806$67
CIG$915$76
Geico$1,013$84
QBE$1,045$87
Oregon Mutual$1,120$93

Cheapest car insurance in Oregon for 30-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Oregon, here are the companies with the lowest average rates for minimum coverage:

CompanyMedian annual rateMedian monthly rate
California Casualty$566$47
CIG$650$54
State Farm$747$62
QBE$757$63
Oregon Mutual$860$72

Cheapest car insurance in Oregon for 30-year-old drivers with one at-fault crash

For drivers in Oregon with a recent accident, here are the lowest average rate options for minimum coverage:

CompanyMedian annual rateMedian monthly rate
CIG$685$57
California Casualty$716$60
QBE$764$64
State Farm$863$72
Progressive$941$78

Cheapest car insurance in Oregon for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for minimum coverage.

CompanyMedian annual rateMedian monthly rate
CIG$763$64
Progressive$808$67
California Casualty$818$68
State Farm$970$81
QBE$1,053$88

Cheap auto insurance in Oregon for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Oregon for 40-year-olds

Drivers in Oregon with clean driving records may want to think about the following companies, which had the lowest average rates:

CompanyMedian annual rateMedian monthly rate
QBE$1,252$104
CIG$1,414$118
California Casualty$1,424$119
Oregon Mutual$1,542$129
Kemper$1,665$139

Cheapest minimum coverage car insurance in Oregon for 40-year-olds

Drivers in Oregon who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

CompanyMedian annual rateMedian monthly rate
California Casualty$403$34
QBE$568$47
CIG$604$50
Geico$659$55
State Farm$670$56

Cheapest car insurance in Oregon for 40-year-olds with poor credit

Drivers with poor credit in Oregon can check out the following insurers with the lowest average rates for minimum coverage:

CompanyMedian annual rateMedian monthly rate
California Casualty$859$72
CIG$905$75
Geico$992$83
QBE$1,003$84
Oregon Mutual$1,080$90

Cheapest car insurance in Oregon for 40-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Oregon, here are the companies with the lowest average rates for minimum coverage:

CompanyMedian annual rateMedian monthly rate
California Casualty$602$50
CIG$642$54
State Farm$753$63
Oregon Mutual$814$68
QBE$837$70

Cheapest car insurance in Oregon for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Oregon, here are the companies with the lowest average rates for minimum coverage:

CompanyMedian annual rateMedian monthly rate
CIG$673$56
California Casualty$760$63
QBE$837$70
State Farm$869$72
Progressive$923$77

Cheapest car insurance in Oregon for 40-year-old drivers after a DUI

The cheapest minimum coverage auto insurance we found for drivers with a DUI came from the following companies.

CompanyMedian annual rateMedian monthly rate
CIG$750$63
Progressive$791$66
California Casualty$870$72
State Farm$977$81
QBE$1,171$98

Cheap auto insurance in Oregon for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Oregon for 50-year-olds

Drivers in Oregon with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

CompanyMedian annual rateMedian monthly rate
QBE$1,301$108
California Casualty$1,348$112
CIG$1,377$115
Oregon Mutual$1,418$118
Kemper$1,477$123

Cheapest minimum coverage car insurance in Oregon for 50-year-olds

Drivers in Oregon who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

CompanyMedian annual rateMedian monthly rate
California Casualty$385$32
CIG$598$50
Geico$604$50
Progressive$619$52
QBE$634$53

Cheapest car insurance in Oregon for 50-year-olds with poor credit

Drivers with poor credit in Oregon can check with the following companies, which showed the lowest average rates for minimum coverage:

CompanyMedian annual rateMedian monthly rate
California Casualty$823$69
CIG$896$75
Geico$910$76
Oregon Mutual$976$81
Kemper$998$83

Cheapest car insurance in Oregon for 50-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Oregon, here are the companies with the lowest average rates for minimum coverage:

CompanyMedian annual rateMedian monthly rate
California Casualty$573$48
CIG$636$53
State Farm$742$62
Oregon Mutual$766$64
Geico$768$64

Cheapest car insurance in Oregon for 50-year-old drivers with one at-fault crash

For drivers living in Oregon with a recent accident, here are the insurers with the lowest average minimum coverage rates:

CompanyMedian annual rateMedian monthly rate
CIG$665$55
California Casualty$722$60
State Farm$856$71
Progressive$889$74
Oregon Mutual$904$75

Cheapest car insurance in Oregon for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for minimum coverage.

CompanyMedian annual rateMedian monthly rate
Progressive$733$61
CIG$740$62
California Casualty$826$69
State Farm$963$80
Travelers$1,186$99
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Cheap auto insurance in Oregon for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Oregon for 60-year-olds

Drivers in Oregon with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

CompanyMedian annual rateMedian monthly rate
California Casualty$1,253$104
QBE$1,270$106
CIG$1,318$110
Kemper$1,326$111
Oregon Mutual$1,492$124

Cheapest minimum coverage car insurance in Oregon for 60-year-olds

Drivers in Oregon who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

CompanyMedian annual rateMedian monthly rate
California Casualty$357$30
CIG$586$49
Progressive$597$50
Geico$612$51
State Farm$615$51

Cheapest car insurance in Oregon for 60-year-olds with poor credit

Drivers with poor credit in Oregon can look at the following companies with the lowest average rates for minimum coverage:

CompanyMedian annual rateMedian monthly rate
California Casualty$766$64
CIG$882$74
Geico$921$77
Kemper$923$77
Oregon Mutual$986$82

Cheapest car insurance in Oregon for 60-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Oregon, here are the companies with the lowest average rates for minimum coverage:

CompanyMedian annual rateMedian monthly rate
California Casualty$529$44
CIG$622$52
State Farm$691$58
Progressive$776$65
Geico$782$65

Cheapest car insurance in Oregon for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Oregon, here are the companies with the lowest average rates for minimum coverage:

CompanyMedian annual rateMedian monthly rate
CIG$654$55
California Casualty$666$56
State Farm$797$66
Progressive$877$73
Oregon Mutual$940$78

Cheapest car insurance in Oregon for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for minimum coverage.

CompanyMedian annual rateMedian monthly rate
Progressive$713$59
CIG$722$60
California Casualty$761$63
State Farm$895$75
Travelers$1,146$96

Cheap auto insurance in Oregon for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Oregon for 70-year-olds

Drivers in Oregon with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

CompanyMedian annual rateMedian monthly rate
California Casualty$1,353$113
CIG$1,370$114
QBE$1,380$115
Kemper$1,402$117
Progressive$1,601$133

Cheapest minimum coverage car insurance in Oregon for 70-year-olds

Drivers in Oregon who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

CompanyMedian annual rateMedian monthly rate
California Casualty$422$35
CIG$606$51
State Farm$659$55
Progressive$678$57
QBE$698$58

Cheapest car insurance in Oregon for 70-year-olds with poor credit

Drivers with poor credit in Oregon can look at the following companies with the lowest average rates for minimum coverage:

CompanyMedian annual rateMedian monthly rate
California Casualty$896$75
CIG$908$76
Kemper$1,071$89
QBE$1,098$92
Geico$1,100$92

Cheapest car insurance in Oregon for 70-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Oregon, here are the companies with the lowest average rates for minimum coverage:

CompanyMedian annual rateMedian monthly rate
CIG$645$54
California Casualty$689$57
State Farm$740$62
Progressive$918$77
Geico$945$79

Cheapest car insurance in Oregon for 70-year-old drivers with one at-fault crash

For drivers with a recent accident living in Oregon, here are the companies with the lowest average rates for minimum coverage:

CompanyMedian annual rateMedian monthly rate
CIG$679$57
State Farm$855$71
California Casualty$868$72
Progressive$1,046$87
Travelers$1,215$101

Cheapest car insurance in Oregon for 70-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for minimum coverage.

CompanyMedian annual rateMedian monthly rate
CIG$755$63
Progressive$885$74
State Farm$961$80
California Casualty$994$83
Travelers$1,340$112

Cheapest car insurance for military families in Oregon

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 58 of the 70 driver profiles we examined.

Minimum auto insurance limits required in Oregon

Oregon requires drivers to carry liability insurance, uninsured motorist bodily injury coverage and personal injury protection.

Here are the minimum limits you must select for each coverage type:

  • $25,000 bodily injury liability per person.

  • $50,000 bodily injury liability per crash.

  • $20,000 property damage liability per crash.

  • $25,000 uninsured motorist bodily injury per person.

  • $50,000 uninsured motorist bodily injury per crash.

  • $15,000 personal injury protection.

Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.

Uninsured motorist coverage will cover expenses from injuries or damage after an accident with a driver who doesn’t have car insurance. Underinsured motorist coverage will cover the same expenses if you’re hit by a driver with some car insurance, but not enough to cover all costs from the crash.

Personal injury protection will cover your medical bills and expenses if you’re injured in a car crash, up to your policy limits, no matter whose fault it was. Depending on your state, PIP may also pay for:

  • Lost wages if you’re unable to work due to injuries from an accident.

  • Services you can no longer perform, like house cleaning or child care, because of your injuries.

  • Funeral costs if an accident-related injury leads to death.

  • A small death benefit as a cash payout.

See our guide to car insurance requirements by state for a detailed breakdown of how these coverages work and to learn about optional coverage types you might want to add, such as collision and comprehensive.

Alternative car insurance for high-risk drivers

If you’re denied car insurance on the voluntary market because of DUIs, at-fault crashes or other reasons, you can seek coverage through the Automobile Insurance Plan of Oregon.

For more help getting a great deal on insurance in Oregon, try NerdWallet’s car insurance comparison tool, which provides quotes from the state’s largest insurers.

METHODOLOGY

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following 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 coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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