Fact CheckedNerdWallet’s editors analyzed rates for 15 insurers in Oregon to find which one has the cheapest car insurance. But while Oregon has cheaper car insurance than most other states, that doesn’t mean you’ll get cheap rates from every company.
Your driving record, age, location and more all affect what you pay for car insurance. These factors will also influence where you’ll find your best deal on coverage.
The cheapest car insurance companies in Oregon, at a glance
These are the cheapest average rates from some of the largest car insurers in Oregon. We separated our comparisons by:
Coverage type
Full coverage | State Farm, $111 per month
Minimum coverage | California Casualty, $33 per month
Driving record
Speeding ticket | State Farm, $125 per month
At-fault accident | State Farm, $142 per month
DUI | Progressive, $134 per month
Driver age
Young drivers | Progressive, $225 per month
Millennial drivers | Progressive, $112 per month
Gen X drivers | Progressive, $97 per month
Senior drivers | State Farm, $106 per month
Credit-based insurance score
Good credit | State Farm, $111 per month
Poor credit | Kemper, $147 per month
These are median rates. For details on how our sample driver’s insurance coverage, driving record, age and credit score change throughout this analysis, check out our methodology.
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Cheapest car insurance in Oregon by coverage type
The type and amount of coverage you have affects your car insurance rates. More coverage generally means higher rates, but more insurance also gives you a better chance of not having to pay hundreds or even thousands of dollars after an unexpected accident.
Don’t assume you won’t be able to afford a strong insurance policy. Shopping around and comparing quotes from multiple companies before you buy could help you find the cheapest car insurance for whatever coverage that you need.
State Farm has the cheapest car insurance in Oregon for full coverage, with an average rate of $111 per month or $1,336 per year.
You’ll likely be required to have full coverage if you’re paying off a car loan or you drive a lease. Full coverage includes all of the insurance that Oregon requires, plus comprehensive and collision coverage. With full coverage, your car is covered from most types of damage, including weather, water damage, animals and theft.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| State Farm | $1,336 | $111 |
| Progressive | $1,338 | $111 |
| California Casualty | $1,423 | $119 |
| CIG | $1,754 | $146 |
| Kemper | $1,761 | $147 |
California Casualty has the cheapest car insurance in Oregon for minimum coverage, with an average rate of $33 per month or $400 per year.
A basic policy in Oregon comes with liability insurance, which helps pay for the injuries and property damage that you cause to others. Oregon also requires personal injury protection. This pays for part of the cost of your medical care after an accident, even one you caused.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| California Casualty | $400 | $33 |
| State Farm | $545 | $45 |
| CIG | $604 | $50 |
| Progressive | $660 | $55 |
| GEICO | $719 | $60 |
- Minimum car insurance 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.
Rates refreshed January 2026.
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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.
- Eugene
Below are the cheapest insurers in Eugene for a 35-year-old driver as of our January 2026 analysis.
Category Cheapest Company Median annual rate Clean driving history Progressive $1,191 After a DUI Progressive $1,408 After an accident Progressive $1,652 After a speeding ticket Progressive $1,492 Having poor credit Kemper $1,676 Category Cheapest Company Median annual rate Clean driving history California Casualty $422 After a DUI CIG $701 After an accident CIG $614 After a speeding ticket CIG $588 Having poor credit CIG $820 Rates refreshed January 2026.
- Portland
Below are the cheapest insurers in Portland for a 35-year-old driver as of our January 2026 analysis.
Category Cheapest Company Median annual rate Clean driving history Progressive $1,667 After a DUI Progressive $1,981 After an accident Progressive $2,306 After a speeding ticket Progressive $2,047 Having poor credit Kemper $2,246 Category Cheapest Company Median annual rate Clean driving history California Casualty $631 After a DUI CIG $988 After an accident CIG $866 After a speeding ticket CIG $826 Having poor credit CIG $1,150 Rates refreshed January 2026.
- Salem
Below are the cheapest insurers in Salem for a 35-year-old driver as of our January 2026 analysis.
Category Cheapest Company Median annual rate Clean driving history California Casualty $1,524 After a DUI Progressive $1,860 After an accident State Farm $1,968 After a speeding ticket State Farm $1,728 Having poor credit Kemper $1,916 Category Cheapest Company Median annual rate Clean driving history California Casualty $554 After a DUI CIG $952 After an accident CIG $841 After a speeding ticket CIG $799 Having poor credit CIG $1,116 Rates refreshed January 2026.
Rates refreshed January 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.
- Cheapest for young drivers
Progressive has the cheapest car insurance for young drivers in Oregon, with an average rate of $225 per month or $2,694 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 Median annual rate Median monthly rate Progressive $2,694 $225 California Casualty $2,783 $232 CIG $2,850 $238 State Farm $3,058 $255 Kemper $3,233 $269 Company Median annual rate Median monthly rate CIG $830 $69 California Casualty $877 $73 Progressive $1,142 $95 Travelers $1,248 $104 State Farm $1,268 $106 These are median rates for 20-year-old drivers who get their own standalone policy, according to our January 2026 analysis. A driver who’s added to an existing policy may have cheaper rates.
- Cheapest for millennial drivers
Progressive has the cheapest car insurance for millennials in Oregon, with an average rate of $112 per month or $1,345 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 Median annual rate Median monthly rate Progressive $1,345 $112 State Farm $1,358 $113 California Casualty $1,487 $124 CIG $1,842 $154 Kemper $1,849 $154 Company Median annual rate Median monthly rate California Casualty $395 $33 State Farm $548 $46 CIG $610 $51 Progressive $632 $53 GEICO $719 $60 These are median rates for 30-year-old drivers, according to our January 2026 analysis.
- Cheapest for Gen X drivers
Progressive has the cheapest car insurance for Gen X drivers in Oregon, with an average rate of $97 per month or $1,160 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 Median annual rate Median monthly rate Progressive $1,160 $97 State Farm $1,302 $108 California Casualty $1,344 $112 Kemper $1,512 $126 CIG $1,614 $135 Company Median annual rate Median monthly rate California Casualty $401 $33 State Farm $548 $46 Progressive $565 $47 CIG $596 $50 GEICO $650 $54 These are median rates for 50-year-old drivers, according to our January 2026 analysis.
- Cheapest for senior drivers
State Farm has the cheapest car insurance for senior drivers in Oregon, with an average rate of $106 per month or $1,277 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 Median annual rate Median monthly rate State Farm $1,277 $106 Progressive $1,282 $107 California Casualty $1,354 $113 Kemper $1,436 $120 CIG $1,628 $136 Company Median annual rate Median monthly rate California Casualty $441 $37 State Farm $547 $46 CIG $604 $50 Progressive $666 $56 Travelers $774 $65 These are median rates for 70-year-old drivers, according to our January 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.
- Cheapest after a speeding ticket
State Farm has the cheapest car insurance in Oregon after a speeding ticket, with an average rate of $125 per month or $1,502 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 Median annual rate Median monthly rate State Farm $1,502 $125 Progressive $1,752 $146 Kemper $1,943 $162 California Casualty $1,968 $164 CIG $2,105 $175 Company Median annual rate Median monthly rate California Casualty $599 $50 State Farm $614 $51 CIG $646 $54 Progressive $773 $64 GEICO $922 $77 Rates refreshed January 2026.
- Cheapest after an at-fault accident
State Farm has the cheapest car insurance in Oregon after an at-fault accident, with an average rate of $142 per month or $1,702 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 Median annual rate Median monthly rate State Farm $1,702 $142 Progressive $1,863 $155 CIG $2,258 $188 California Casualty $2,411 $201 Kemper $2,674 $223 Company Median annual rate Median monthly rate CIG $678 $57 State Farm $704 $59 California Casualty $754 $63 Progressive $889 $74 Travelers $1,085 $90 Rates refreshed January 2026.
- Cheapest after a DUI
Progressive has the cheapest car insurance in Oregon after a DUI, with an average rate of $134 per month or $1,609 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 $2,120 for someone with a clean driving record, rates for that same driver jump to $4,013 following a DUI.
Company Median annual rate Median monthly rate Progressive $1,609 $134 State Farm $1,878 $156 CIG $2,442 $204 California Casualty $2,742 $229 Travelers $3,079 $257 Company Median annual rate Median monthly rate CIG $753 $63 Progressive $759 $63 State Farm $782 $65 California Casualty $865 $72 Travelers $1,204 $100 Rates refreshed January 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.
- Cheapest for poor credit
Kemper has the cheapest car insurance in Oregon for drivers with poor credit, with an average rate of $147 per month or $1,761 per year for full coverage.
Company Median annual rate Median monthly rate Kemper $1,761 $147 Progressive $2,242 $187 CIG $2,444 $204 California Casualty $2,736 $228 Nationwide $3,103 $259 Company Median annual rate Median monthly rate California Casualty $850 $71 CIG $908 $76 GEICO $1,082 $90 Progressive $1,183 $99 Kemper $1,200 $100 Rates refreshed January 2026.
- Cheapest for good credit
State Farm has the cheapest car insurance in Oregon for drivers with good credit, with an average rate of $111 per month or $1,336 per year for full coverage.
Company Median annual rate Median monthly rate State Farm $1,336 $111 Progressive $1,338 $111 California Casualty $1,423 $119 CIG $1,754 $146 Kemper $1,761 $147 Company Median annual rate Median monthly rate California Casualty $400 $33 State Farm $545 $45 CIG $604 $50 Progressive $660 $55 GEICO $719 $60 Rates refreshed January 2026.
Cheapest car insurance in Oregon for military families
USAA
- High customer satisfaction ratings.
- One-stop shop for insurance as well as banking and investing products.
- Policies available in all states and Washington, D.C.
- Available only to military families, veterans and some federal employees.
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 five auto insurance options for 65 of the 70 driver profiles we examined.
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.
