Fact CheckedNerdy takeaways
State Farm has the cheapest car insurance in Oregon, with an average rate of $105 per month and $1,266 per year for full coverage.
In Oregon, full coverage car insurance costs an average of $182 per month or $2,187 per year for someone with a good driving record.
We can show you expected rates in Oregon based on coverage, age, driving history and credit, but you’ll need to compare quotes from a few insurers for your exact rates.
The cheapest car insurance in Oregon, at a glance
These are median rates from NerdWallet's September 2026 analysis, but your rate will vary based on your personal information, location and insurance provider. Not all companies offer policies in every state.
NerdWallet’s editors analyzed rates for 16 auto insurers in Oregon to find which company has the cheapest car insurance for different driving profiles.
Although Liberty Mutual is one of the largest insurers in the country, it’s not included in our analysis because it doesn’t make its rates data public.
For more detailed information about how we found the cheapest car insurance companies in Oregon, please check our full methodology at the bottom of this page.
Strict editorial guidelines to ensure fairness and accuracy in our coverage.
Thorough rating guidelines for evaluating auto insurance companies.
More than 120 million rates analyzed by our team of specialists.
More than 130 insurance companies analyzed in all 50 states and Washington D.C.
You can trust the prices we show because our data analysts eliminate outliers and inaccuracies in pricing data. We look at rates from every ZIP code in a state where coverage is offered and data is available. And we change only one variable at a time when comparing rates for different coverage amounts, ages and backgrounds. That means you can easily see how each factor affects pricing.
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Cheapest car insurance in Oregon for full coverage
State Farm has the cheapest car insurance in Oregon for full coverage, with an average rate of $105 per month or $1,266 per year.
What full coverage is: Having full coverage means you have all of the insurance that Oregon requires, plus comprehensive and collision coverage. Full coverage helps pay for damage to your own car, regardless of fault, after a crash, vehicle theft and most types of damage.
Who needs it: You’ll likely need full coverage if you’re paying off a car loan or you drive a lease. If you own your car outright it’s still a good idea to consider full coverage if you couldn’t afford to replace your car by yourself after a crash.
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| State Farm | 4.8/5 | $105 |
| California Casualty | 2.9/5 | $127 |
| Kemper | 3.0/5 | $145 |
| CIG | 3.3/5 | $157 |
| Progressive | 4.8/5 | $158 |
Rates refreshed September 2026.
More Nerdy Perspective
Auto insurance rates have risen in Oregon over the past three years, according to our historical data. Even if you’re a good driver, it’s likely that your rates will go up in the long term because of factors beyond anyone’s control (like rising costs of car repairs and lawsuits against insurers). Try comparing quotes while shopping or renewing a policy, it’s the best way to fight higher rates.
Auto insurance rates have risen in Oregon over the past three years, according to our historical data. Even if you’re a good driver, it’s likely that your rates will go up in the long term because of factors beyond anyone’s control (like rising costs of car repairs and lawsuits against insurers). Try comparing quotes while shopping or renewing a policy, it’s the best way to fight higher rates.
Andrew HurstLead Writer & Licensed Insurance ProCheapest car insurance in Oregon for minimum coverage
California Casualty has the cheapest car insurance in Oregon for minimum coverage, with an average rate of $38 per month or $451 per year.
What minimum coverage is: At a minimum, a car insurance policy in Oregon must cover your injuries, the injuries and property damage you cause to others and the damage uninsured drivers cause you.
Who needs it: Car insurance is the easiest and least expensive way to drive legally in Oregon. Most people need more coverage than what Oregon requires, since a basic policy isn't likely to cover all the damage a serious accident might cause.
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| California Casualty | 2.9/5 | $38 |
| State Farm | 4.8/5 | $43 |
| CIG | 3.3/5 | $58 |
| GEICO | 5.0/5 | $61 |
| Travelers | 4.9/5 | $66 |
Rates refreshed September 2026.
Oregon requires three types of car insurance .
Liability insurance: Covers the injuries and damage that you cause to other people and their property.
Uninsured motorist coverage: Covers the injuries and property damage that another driver causes to you when they don’t have insurance to pay for it themselves.
Personal injury protection: Helps you to pay for your injuries, hospital stays and surgeries, as well as some lost wages, after a crash — even if you’re at fault.
Oregon has fairly low minimum insurance limits compared to other states. Per crash, a minimum policy covers up to:
$25,000 of liability coverage for every person you injure.
$50,000 of liability coverage, regardless of the number of people injured.
$20,000 of liability coverage for property damage.
Equal amounts of uninsured motorist coverage.
$15,000 of personal injury protection.
Minimum coverage probably wouldn’t cover all of the injuries that you cause to others in a serious crash. A policy with more coverage could help you avoid having to pay for all of the costs of injuries and property damage by yourself.
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Cheapest car insurance in Oregon's largest cities
The cost of car insurance can change depending on where in Oregon you live. Car insurance usually costs more in cities than it does in the rural parts of the state, since cities have more crowded roads and may see more crime than rural areas.
If you’re thinking about moving, estimate what your rates could be. Your rates might change even if you move to another part of the same city or town. You don’t want to be surprised by higher insurance premiums right after you settle into your new home.
Below are the cheapest insurers in Eugene for a 35-year-old driver as of our September 2026 analysis.
Category Cheapest Company Median annual rate Clean driving history State Farm $1,266 After a DUI State Farm $1,787 After an accident State Farm $1,616 After a speeding ticket State Farm $1,428 Having poor credit CIG $2,307 Category Cheapest Company Median annual rate Clean driving history California Casualty $472 After a DUI State Farm $778 After an accident State Farm $706 After a speeding ticket State Farm $615 Having poor credit CIG $961 Rates refreshed September 2026.
Below are the cheapest insurers in Portland for a 35-year-old driver as of our September 2026 analysis.
Category Cheapest Company Median annual rate Clean driving history State Farm $1,626 After a DUI State Farm $2,255 After an accident State Farm $2,087 After a speeding ticket State Farm $1,828 Having poor credit CIG $3,107 Category Cheapest Company Median annual rate Clean driving history California Casualty $705 After a DUI CIG $1,167 After an accident State Farm $949 After a speeding ticket State Farm $922 Having poor credit CIG $1,354 Rates refreshed September 2026.
Below are the cheapest insurers in Salem for a 35-year-old driver as of our September 2026 analysis.
Category Cheapest Company Median annual rate Clean driving history State Farm $1,463 After a DUI State Farm $2,063 After an accident State Farm $1,876 After a speeding ticket State Farm $1,636 Having poor credit CIG $2,789 Category Cheapest Company Median annual rate Clean driving history California Casualty $620 After a DUI State Farm $965 After an accident State Farm $879 After a speeding ticket State Farm $757 Having poor credit CIG $1,302 Rates refreshed September 2026.
Rates refreshed September 2026.
Cheapest car insurance in Oregon by age
Your age gives insurance companies an idea of how likely you are to make a claim. Car insurance is most expensive for teens and drivers in their 20s, but it gets easier to find cheap rates as you get older.
Below are the cheapest car insurance rates in Oregon across different age groups. All rates are for people with clean driving records and good credit.
State Farm has the cheapest car insurance for young drivers in Oregon, with an average rate of $240 per month or $2,877 per year for full coverage.
It’s hardest to find cheap car insurance while you’re in your teens and 20s. Comparing rates is key for younger drivers to find coverage. Your car insurance will be a lot cheaper if you join an existing policy, like a parent's or guardian's, instead of getting your own.
Company NerdWallet rating Median monthly rate State Farm 4.8/5$240 California Casualty 2.9/5$249 CIG 3.3/5$254 Progressive 4.8/5$282 Kemper 3.0/5$312 These are median rates for 20-year-old drivers who get their own standalone policy, according to our September 2026 analysis. A driver who’s added to an existing policy may have cheaper rates.
State Farm has the cheapest car insurance for millennials in Oregon, with an average rate of $107 per month or $1,286 per year for full coverage.
The cost of car insurance is often much cheaper for 30-year-olds than it is for younger drivers. If you’re a good driver but still having trouble finding coverage that you can afford at this age, consider usage-based insurance. You’ll get the same coverage as traditional car insurance, but your rates will depend in part on your driving habits and how many miles you drive.
Company NerdWallet rating Median monthly rate State Farm 4.8/5$107 California Casualty 2.9/5$133 Kemper 3.0/5$151 Progressive 4.8/5$160 CIG 3.3/5$165 These are median rates for 30-year-old drivers, according to our September 2026 analysis.
State Farm has the cheapest car insurance for Gen X drivers in Oregon, with an average rate of $102 per month or $1,228 per year for full coverage.
You’ll likely be able to find cheap car insurance from a few companies once you’re in your late 40s and 50s. If you’re no longer paying off an auto loan and your insurance needs have changed, you might want to drop your policy’s full coverage to lower your premiums. That said, this is only an option if your car’s value is less than the cost to insure it.
Company NerdWallet rating Median monthly rate State Farm 4.8/5$102 California Casualty 2.9/5$120 Kemper 3.0/5$133 Progressive 4.8/5$136 CIG 3.3/5$145 These are median rates for 50-year-old drivers, according to our September 2026 analysis.
State Farm has the cheapest car insurance for senior drivers in Oregon, with an average rate of $101 per month or $1,215 per year for full coverage.
Car insurance is usually cheaper for senior-age drivers than any other age group. Your rates should stay low in your 60s as long as you have a clean driving record and good credit. You can expect to start paying more for coverage once you’re in your 70s, however.
Company NerdWallet rating Median monthly rate State Farm 4.8/5$101 California Casualty 2.9/5$121 Kemper 3.0/5$130 Progressive 4.8/5$142 CIG 3.3/5$146 These are median rates for 70-year-old drivers, according to our September 2026 analysis.
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Cheapest car insurance in Oregon by driving record
Your car insurance rates may cost more than average if you have a driving violation on your record. Even though insurers may consider you a high-risk driver, you may still be able to find relatively cheap insurance from some companies. What you pay will depend on the violation and other personal details.
State Farm has the cheapest car insurance in Oregon after a speeding ticket, with an average rate of $119 per month or $1,425 per year for full coverage.
A speeding ticket can lead to more expensive car insurance, but not always. It’s possible your rates won’t change at all after your first ticket. If your rates did go up after you were pulled over for speeding, shop around to see if another company is offering you cheaper car insurance.
Company NerdWallet rating Median monthly rate State Farm 4.8/5$119 California Casualty 2.9/5$177 Kemper 3.0/5$180 CIG 3.3/5$188 Nationwide 4.8/5$199 Rates refreshed September 2026.
State Farm has the cheapest car insurance in Oregon after an at-fault accident, with an average rate of $134 per month or $1,607 per year for full coverage.
Being involved in an at-fault accident will almost always make it harder to find cheap car insurance. Your rates may stay higher for three to five years after your accident, but they should come down as long as you continue to drive safely.
Company NerdWallet rating Median monthly rate State Farm 4.8/5$134 CIG 3.3/5$201 California Casualty 2.9/5$214 Kemper 3.0/5$222 Progressive 4.8/5$231 Company NerdWallet rating Median monthly rate State Farm 4.8/5$55 CIG 3.3/5$65 California Casualty 2.9/5$71 Travelers 4.9/5$90 Progressive 4.8/5$102 Rates refreshed September 2026.
State Farm has the cheapest car insurance in Oregon after a DUI, with an average rate of $148 per month or $1,776 per year for full coverage.
A DUI can lead to car insurance that's much more expensive. While the average cost of car insurance in Oregon is $2,187 for someone with a clean driving record, rates for that same driver jump to $3,832 following a DUI.
Company NerdWallet rating Median monthly rate State Farm 4.8/5$148 Progressive 4.8/5$193 CIG 3.3/5$218 California Casualty 2.9/5$243 Travelers 4.9/5$258 Company NerdWallet rating Median monthly rate State Farm 4.8/5$61 CIG 3.3/5$73 California Casualty 2.9/5$81 Progressive 4.8/5$86 Travelers 4.9/5$100 Rates refreshed September 2026.
If you aren’t able to get car insurance on your own because of a DUI or something else on your record, you might be able to get a policy through the Automobile Insurance Plan of Oregon. The AIPO isn’t a company, but it works to connect drivers with insurance companies in the state.
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Cheapest car insurance in Oregon by credit history
Oregon, like most states, allows insurance companies to consider your credit-based insurance score when setting rates. If you build your credit, you might be able to raise your credit-based insurance score and get cheaper car insurance.
CIG has the cheapest car insurance in Oregon for drivers with poor credit, with an average rate of $220 per month or $2,634 per year for full coverage.
Company NerdWallet rating Median monthly rate CIG 3.3/5$220 Nationwide 4.8/5$234 California Casualty 2.9/5$247 Progressive 4.8/5$253 Encompass 3.1/5$264 Company NerdWallet rating Median monthly rate California Casualty 2.9/5$82 CIG 3.3/5$88 GEICO 5.0/5$92 Progressive 4.8/5$117 Nationwide 4.8/5$122 Rates refreshed September 2026.
State Farm has the cheapest car insurance in Oregon for drivers with good credit, with an average rate of $105 per month or $1,266 per year for full coverage.
Company NerdWallet rating Median monthly rate State Farm 4.8/5$105 California Casualty 2.9/5$127 Kemper 3.0/5$145 CIG 3.3/5$157 Progressive 4.8/5$158 Rates refreshed September 2026.
Cheapest car insurance in Oregon for military families
Full coverage
$101 /month
Min. coverage
$38 /month
USAA offers auto insurance to active military, veterans, certain federal employees and their families only.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
More than expected
Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, & WY.
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. USAA also writes policies for some government employees.
Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest three auto insurance options for 63 of the 70 driver profiles we examined.
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.Oregon Driver & Motor Vehicle Services. Minimum Insurance Requirements. Accessed Sep 18, 2026.
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 2023 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.
We analyzed rates for drivers 20 to 70 years old in 10-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.
