Advertiser Disclosure

Best Cheap Car Insurance in Oregon for 2019

March 20, 2019
Auto Insurance, Insurance
At NerdWallet, we adhere to strict standards of editorial integrity to help you make decisions with confidence. Many or all of the products featured here are from our partners. Here’s how we make money.

If you’re looking for cheap car insurance in Oregon, your best bet is to shop around. There are enormous differences in rates depending on the company you choose. Your credit and whether you’ve had crashes also help determine which insurer is cheapest for you.

We gathered quotes from the largest insurers in the Beaver State and ranked the three cheapest options for various driver groups.

» FIND YOUR MATCH: Who’s the cheapest carrier for you?

Cheapest for good drivers

Geico had the cheapest rates we found in Oregon for this category, at $102 per month, on average. Country Financial and State Farm come in second and third, respectively, and not far behind Geico.

InsurerAverage priceGet your rate
*Country Financial is not rated because there is not enough data to evaluate it against larger companies.
3.5 NerdWallet rating

$1,221/year

$102/month



NerdWallet rating: Not rated*

$1,248/year

$104/month

4.0 NerdWallet rating

$1,276/year

$106/month

For this calculation, NerdWallet averaged rates for 40-year-old men and women with a clean driving record and good credit. With the exception of age, a large portion of drivers are closest to this profile, which carries standard "full coverage" insurance, including state-required coverage.

Cheapest for drivers with poor credit

Geico was the cheapest insurer we found for Oregon drivers with poor credit, at $156 per month, on average. Country and State Farm round out the cheapest three. One carrier we found had average rates for this group topping $600 per month, showing how much rates can vary.

InsurerAverage priceGet your rate
*Country Financial is not rated because there is not enough data to evaluate it against larger companies.
3.5 NerdWallet rating

$1,877/year

$156/month



NerdWallet rating: Not rated*

$1,989/year

$166/month

4.0 NerdWallet rating

$2,470/year

$206/month

Poor credit can have a bigger effect on car insurance premiums than even a DUI conviction or a recent accident. To calculate these figures, NerdWallet averaged rates for 40-year-olds with a clean driving record, poor credit as reported to their insurer, and standard "full coverage" insurance.

Cheapest for drivers with one at-fault crash

For Oregonians with a recent at-fault accident on record, American Family came up cheapest, at $130 per month, on average. State Farm and Country round out the list, with these three representing the only carriers showing average rates under $200 per month for this group.

InsurerAverage priceGet your rate
*Country Financial is not rated because there is not enough data to evaluate it against larger companies.
4.0 NerdWallet rating

$1,565/year

$130/month

4.0 NerdWallet rating

$1,662/year

$139/month


NerdWallet rating: Not rated*

$1,838/year

$153/month

To get these figures, we averaged rates for 40-year-olds with one recent at-fault crash and the typical "full coverage" insurance. Your rates will remain high for three to five years after you cause an accident or have a moving violation. If you fall into this category, be sure to shop for new insurance rates just after the three-year and five-year anniversaries of your infraction.

Cheapest for low-mileage drivers

For low-mileage drivers in Oregon, Geico was the cheapest in our test, at $93 per month, on average. State Farm and Country Financial also make the list.

InsurerAverage priceGet your rate
*Country Financial is not rated because there is not enough data to evaluate it against larger companies.
3.5 NerdWallet rating

$1,113/year

$93/month


4.0 NerdWallet rating

$1,138/year

$95/month


NerdWallet rating: Not rated*

$1,234/year

$103/month

Whether you're retired, work at home or often use public transportation, you may be able to get cheaper car insurance simply because you drive less. The rates above are for 40-year-olds with typical "full coverage" insurance and a clean driving record who drive 5,000 miles per year instead of the standard 12,000.

Honorable mentions: low-mileage drivers


NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Lacie Glover

NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Lacie Glover

Metromile and Milewise may be of interest to drivers who put relatively few miles on their cars. We can’t get rate estimates because these companies price policies differently from others: You’re charged a daily or monthly base rate, plus a per-mile rate each month. The less you drive, the less you pay. Don’t worry, an occasional road trip won’t break the bank — Milewise won’t charge for more than 150 miles per day and Metromile caps charges at 250 miles per day.

Cheapest for minimum coverage in Oregon

Drivers looking for bare-bones auto insurance in Oregon might want to get a quote from Geico, which had an average rate of $47 per month for minimum coverage. Country and State Farm also come in cheaper than competitors, each less than $60 monthly, on average.

InsurerAverage priceGet your rate
*Country Financial is not rated because there is not enough data to evaluate it against larger companies.
3.5 NerdWallet rating

$566/year

$47/month



NerdWallet rating: Not rated*

$684/year

$57/month

4.0 NerdWallet rating

$703/year

$59/month

We calculated these numbers by averaging rates for 40-year-old good drivers who have only the minimum mandatory insurance in their state. Such light coverage isn't typically recommended, since it might not cover all the bills resulting from a car accident, but it's better than nothing — especially if you can't afford much more.

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.

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 car insurance in Oregon, try NerdWallet’s comparison tool, which provides quotes from the state’s largest insurers.

Here’s a summary of where you’ll find the cheapest insurance in Oregon, by category:

Cheapest car insurance in Oregon

CategoryCheapest option
Good driversGeico
Drivers with poor creditGeico
Drivers with one at-fault crashAmerican Family
Low-mileage driversGeico
Minimum coverageGeico

Methodology

For our base-profile driver with good credit and a clean driving history, NerdWallet averaged rates from the largest insurers for 40-year-old men and women in 20 ZIP codes. The policy includes:

  • $100,000 bodily injury liability coverage per person.
  • $300,000 bodily injury liability coverage per crash.
  • $50,000 property damage liability coverage per crash.
  • $100,000 uninsured motorist bodily injury coverage per person.
  • $300,000 uninsured motorist bodily injury coverage per crash.
  • $15,000 personal injury protection.
  • Collision coverage with $1,000 deductible.
  • Comprehensive coverage with $1,000 deductible.

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

  • For drivers with poor credit, we adjusted the credit tier from “good” to “poor.”
  • For drivers with one at-fault crash, we added a single at-fault crash.
  • For low-mileage drivers, we adjusted the miles driven from 12,000 per year to 5,000.
  • For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.

We used a 2015 Toyota Camry in all cases. These are rates generated through Quadrant Information Services. Your own rates will be different.


Find the cheapest car insurance for you
See the cheapest insurers for you based on rates from large insurers in your state.
I am
in
looking to
for
In the past 3 years, I've had
.