The Cheapest Car Insurance in Oregon for 2022

NerdWallet analyzed auto insurance rates to find you the cheapest car insurance in Oregon for a variety of ages and driving histories.
Dec 9, 2021

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Auto insurance is an important purchase, but finding cheap car insurance in Oregon isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in Oregon is $1,383 per year, or about $115 per month, according to NerdWallet’s analysis. Minimum coverage in Oregon is $681 per year on average, but we found you can likely get a cheaper policy. For example, State Farm offers the cheapest rates in Oregon at $435 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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Cheapest car insurance company overall in Oregon

$75/month

5.0

NerdWallet rating 

Cheapest for minimum coverage

$36/month

5.0

NerdWallet rating 

Cheapest for young drivers

QBE

$124/month

Not yet rated.

Cheapest for drivers with poor credit

Oregon Mutual

$75/month

Not yet rated.

How we chose the cheapest companies in Oregon

NerdWallet’s editorial team analyzed car insurance rates from 18 auto insurers in Oregon and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 Toyota Camry L. 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.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find 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:

  1. QBE: $1,486 per year, or about $124 per month.

  2. State Farm: $1,845 per year, or about $154 per month.

  3. American Family: $1,953 per year, or about $163 per month.

  4. CIG: $1,978 per year, or about $165 per month.

  5. Travelers: $2,047 per year, or about $171 per month.

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:

  1. QBE: $655 per year, or about $55 per month.

  2. Travelers: $783 per year, or about $65 per month.

  3. CIG: $860 per year, or about $72 per month.

  4. Geico: $861 per year, or about $72 per month.

  5. State Farm: $865 per year, or about $72 per month.

Cheapest auto 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:

  1. Geico: $1,020 per year, or about $85 per month.

  2. CIG: $1,229 per year, or about $102 per month.

  3. QBE: $1,306 per year, or about $109 per month.

  4. Travelers: $1,414 per year, or about $118 per month.

  5. Country Financial: $1,584 per year, or about $132 per month.

Cheapest auto 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:

  1. Travelers: $1,002 per year, or about $84 per month.

  2. QBE: $1,048 per year, or about $87 per month.

  3. CIG: $1,105 per year, or about $92 per month.

  4. State Farm: $1,146 per year, or about $96 per month.

  5. Geico: $1,154 per year, or about $96 per month.

Cheapest auto 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.

  1. Travelers: $1,132 per year, or about $94 per month.

  2. QBE: $1,187 per year, or about $99 per month.

  3. CIG: $1,315 per year, or about $110 per month.

  4. State Farm: $1,459 per year, or about $122 per month.

  5. Geico: $1,462 per year, or about $122 per month.

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Cheapest 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 with clean driving records may get the lowest rates from these companies:

  1. State Farm: $923 per year, or about $77 per month.

  2. QBE: $941 per year, or about $78 per month.

  3. Oregon Mutual: $1,001 per year, or about $83 per month.

  4. Nationwide: $1,096 per year, or about $91 per month.

  5. Travelers: $1,177 per year, or about $98 per month.

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:

  1. State Farm: $439 per year, or about $37 per month.

  2. Geico: $465 per year, or about $39 per month.

  3. QBE: $488 per year, or about $41 per month.

  4. Travelers: $498 per year, or about $42 per month.

  5. Oregon Mutual: $521 per year, or about $43 per month.

Cheapest auto 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 full coverage:

  1. Oregon Mutual: $1,353 per year, or about $113 per month.

  2. Geico: $1,477 per year, or about $123 per month.

  3. Nationwide: $1,533 per year, or about $128 per month.

  4. QBE: $1,662 per year, or about $138 per month.

  5. CIG: $1,724 per year, or about $144 per month.

Cheapest auto 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 full coverage:

  1. State Farm: $1,200 per year, or about $100 per month.

  2. Oregon Mutual: $1,251 per year, or about $104 per month.

  3. American Family: $1,360 per year, or about $113 per month.

  4. Travelers: $1,551 per year, or about $129 per month.

  5. CIG: $1,620 per year, or about $135 per month.

Cheapest auto 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 full coverage.

  1. State Farm: $1,505 per year, or about $125 per month.

  2. Oregon Mutual: $1,655 per year, or about $138 per month.

  3. Travelers: $1,703 per year, or about $142 per month.

  4. American Family: $1,730 per year, or about $144 per month.

  5. CIG: $1,791 per year, or about $149 per month.

Cheapest 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:

  1. State Farm: $908 per year, or about $76 per month.

  2. Oregon Mutual: $921 per year, or about $77 per month.

  3. QBE: $961 per year, or about $80 per month.

  4. Nationwide: $1,044 per year, or about $87 per month.

  5. Travelers: $1,068 per year, or about $89 per month.

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:

  1. State Farm: $443 per year, or about $37 per month.

  2. Geico: $458 per year, or about $38 per month.

  3. Travelers: $481 per year, or about $40 per month.

  4. Oregon Mutual: $487 per year, or about $41 per month.

  5. QBE: $516 per year, or about $43 per month.

Cheapest auto 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 full coverage:

  1. Oregon Mutual: $1,275 per year, or about $106 per month.

  2. Geico: $1,454 per year, or about $121 per month.

  3. Nationwide: $1,464 per year, or about $122 per month.

  4. QBE: $1,590 per year, or about $132 per month.

  5. CIG: $1,593 per year, or about $133 per month.

Cheapest auto 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 full coverage:

  1. State Farm: $1,182 per year, or about $98 per month.

  2. Oregon Mutual: $1,194 per year, or about $100 per month.

  3. American Family: $1,220 per year, or about $102 per month.

  4. CIG: $1,465 per year, or about $122 per month.

  5. Travelers: $1,500 per year, or about $125 per month.

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

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

  1. State Farm: $1,483 per year, or about $124 per month.

  2. American Family: $1,541 per year, or about $128 per month.

  3. Oregon Mutual: $1,589 per year, or about $132 per month.

  4. CIG: $1,623 per year, or about $135 per month.

  5. Travelers: $1,650 per year, or about $138 per month.

Cheapest 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 the best cheap car 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:

  1. Oregon Mutual: $853 per year, or about $71 per month.

  2. State Farm: $892 per year, or about $74 per month.

  3. Nationwide: $972 per year, or about $81 per month.

  4. QBE: $1,002 per year, or about $84 per month.

  5. Travelers: $1,043 per year, or about $87 per month.

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:

  1. Geico: $422 per year, or about $35 per month.

  2. State Farm: $439 per year, or about $37 per month.

  3. Oregon Mutual: $450 per year, or about $38 per month.

  4. Travelers: $469 per year, or about $39 per month.

  5. CIG: $532 per year, or about $44 per month.

Cheapest auto 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 full coverage:

  1. Oregon Mutual: $1,169 per year, or about $97 per month.

  2. Geico: $1,303 per year, or about $109 per month.

  3. Nationwide: $1,365 per year, or about $114 per month.

  4. CIG: $1,550 per year, or about $129 per month.

  5. Mutual of Enumclaw: $1,624 per year, or about $135 per month.

Cheapest auto 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 full coverage rates:

  1. American Family: $1,132 per year, or about $94 per month.

  2. Oregon Mutual: $1,137 per year, or about $95 per month.

  3. State Farm: $1,162 per year, or about $97 per month.

  4. CIG: $1,422 per year, or about $118 per month.

  5. Travelers: $1,463 per year, or about $122 per month.

Cheapest auto 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 full coverage.

  1. American Family: $1,422 per year, or about $118 per month.

  2. State Farm: $1,459 per year, or about $122 per month.

  3. Oregon Mutual: $1,521 per year, or about $127 per month.

  4. CIG: $1,575 per year, or about $131 per month.

  5. Travelers: $1,608 per year, or about $134 per month.

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Cheapest 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 auto 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:

  1. State Farm: $846 per year, or about $70 per month.

  2. Oregon Mutual: $894 per year, or about $74 per month.

  3. Nationwide: $912 per year, or about $76 per month.

  4. Travelers: $960 per year, or about $80 per month.

  5. QBE: $976 per year, or about $81 per month.

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:

  1. State Farm: $417 per year, or about $35 per month.

  2. Geico: $429 per year, or about $36 per month.

  3. Travelers: $446 per year, or about $37 per month.

  4. Oregon Mutual: $459 per year, or about $38 per month.

  5. CIG: $518 per year, or about $43 per month.

Cheapest auto 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 full coverage:

  1. Oregon Mutual: $1,221 per year, or about $102 per month.

  2. Nationwide: $1,280 per year, or about $107 per month.

  3. Geico: $1,312 per year, or about $109 per month.

  4. CIG: $1,490 per year, or about $124 per month.

  5. QBE: $1,528 per year, or about $127 per month.

Cheapest auto 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 full coverage:

  1. State Farm: $1,101 per year, or about $92 per month.

  2. American Family: $1,126 per year, or about $94 per month.

  3. Oregon Mutual: $1,215 per year, or about $101 per month.

  4. CIG: $1,373 per year, or about $114 per month.

  5. Travelers: $1,412 per year, or about $118 per month.

Cheapest auto 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 full coverage.

  1. State Farm: $1,382 per year, or about $115 per month.

  2. American Family: $1,415 per year, or about $118 per month.

  3. CIG: $1,519 per year, or about $127 per month.

  4. Travelers: $1,553 per year, or about $129 per month.

  5. Progressive: $1,556 per year, or about $130 per month.

Cheapest car insurance for military families

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 29 of the 48 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 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

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.

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