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Best Cheap Car Insurance in Oregon for 2018

Auto Insurance, Insurance

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 these driver groups:

Good drivers

Young drivers

Drivers with one at-fault crash

Drivers with poor credit

Retired drivers

Low-mileage drivers

ALSO IN THE ARTICLE

Minimum car insurance

Alternative car insurance for high-risk drivers

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

Cheapest for good drivers

For drivers with no DUIs, at-fault crashes or moving violations.


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price

  • $945/year

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price

  • $1,170/year

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price

  • $1,214/year

The average rate for good drivers among the three cheapest companies in Oregon was about $1,110 per year. Country Financial led the field with a price tag of $945 per year.

To help lower rates even more, make sure you take advantage of your clean record by shopping around and checking into discounts for good drivers, such as those for having no accidents for multiple years.

Cheapest for young drivers

For drivers in their early 20s.


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price

  • $786/year

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price

  • $930/year

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price

  • $1,036/year

Drivers in their early 20s can usually get by with less coverage than older drivers who have more assets to protect from lawsuits. We factored this lower coverage into our analysis, which is why rates for this group were slightly lower from top to bottom than prices for 30-year-old good drivers.

Geico notched the cheapest car insurance in Oregon for this group at $786 per year, or about $65 a month. Country Financial and State Farm rounded out the cheapest options.

Cheapest for drivers with one at-fault crash


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price

  • $1,584/year

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price

  • $1,724/year

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price

  • $2,123/year

Causing a car accident with damage or injuries means you can expect a rate increase at renewal time. For example, Country Financial’s average quote of $1,584 for this group was $639 higher than its price for drivers of the same age with no crashes.

But having accidents on your record is no reason to settle for the first quote you get. There was about a $2,500 price difference between the lowest and highest rates among the state’s largest insurers. Drivers with checkered records have just as much to gain as other shoppers by comparing rates from several companies.

Cheapest for drivers with poor credit

For drivers placed in the “Poor Credit” tier.


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price

  • $1,648/year

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price

  • $1,799/year

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price

  • $1,937/year

Insurers in most states, including Oregon, can use your credit as a predictor of future claims and could charge higher rates if you have poor credit.

Country Financial delivered the cheapest car insurance in Oregon for this group in our analysis, at $1,648 per year. Prices topped $7,000 per year in our analysis, so if your credit history is poor it can pay enormously to compare rates.

Cheapest for retired drivers

For drivers in their mid-to-late 60s who no longer use their cars for commuting.


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. NerdWallet

price

  • $765/year

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price

  • $934/year

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price

  • $984/year

We researched rates for retirees who drove half as many annual miles as other groups and found fairly affordable prices. Country Financial led the way with an average quote of $765 per year, which comes to roughly $64 a month. State Farm and American Family were the next cheapest options, respectively.

Older Oregonians might be entitled to some extra savings, too. The state requires insurers to provide a discount to drivers age 55 and older who complete an accident-prevention course approved by the Oregon Department of Transportation. You can find a list of approved courses here.

Cheapest for low-mileage drivers

For drivers who travel under 5,000 miles or less per year.

If you’re spending less time in the car than the typical driver — whether you work from home, commute in a carpool or mostly use public transit — consider shopping around for auto insurance.

Oregon is among the seven states served by Metromile, a San Francisco-based company offering pay-per-mile coverage. Particularly if you’re an excellent driver, chances are good you’ll save compared to drivers who log the standard number of annual miles with a mainstream insurer.

Minimum car insurance requirements 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 driversCountry Financial
Young driversGeico
Drivers with one at-fault crashCountry Financial
Drivers with poor creditCountry Financial
Retired driversCountry Financial
Low-mileage driversMetromile

Methodology

For most categories, NerdWallet averaged rates from the largest insurers for 30-year-old men and women in 10 ZIP codes and with the following coverage limits:

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

We used a 2014 Toyota Camry in all cases. Our sample retired driver was age 67 and drove 50% fewer annual miles than other groups. Our sample young driver was 22 and carried the minimum required coverage. These are sample rates generated through Quadrant Information Services. Your own rates will be different.


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