The Cheapest Car Insurance in Oregon for April 2024

CIG offers the cheapest car insurance in Oregon, with an average annual rate of $1,156 for full coverage.
Ben Moore
By Ben Moore 
Updated
Edited by Lacie Glover

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Auto insurance is an important purchase, but finding cheap car insurance in Oregon isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Oregon is CIG at $1,156 per year on average, or $96 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Oregon. Meanwhile, the average cost of full coverage car insurance in Oregon is $1,874 per year, or about $156 per month.

Minimum coverage in Oregon is $854 per year on average, but we found you can likely get a cheaper policy. For example, CIG offers the cheapest rates in Oregon at $537 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

NerdWallet also analyzed car insurance rates to find the cheapest options in Portland.

How we chose the cheapest companies in Oregon

NerdWallet’s editorial team analyzed car insurance rates from 18 auto insurers in Oregon and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 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.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Oregon where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best 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. Allstate: $7,330 per year, or about $611 per month.
  2. American Family: $3,764 per year, or about $314 per month.
  3. Country Financial: $3,167 per year, or about $264 per month.
  4. Dairyland: $5,376 per year, or about $448 per month.
  5. Encompass: $4,932 per year, or about $411 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. Allstate: $2,468 per year, or about $206 per month.
  2. American Family: $1,908 per year, or about $159 per month.
  3. Country Financial: $1,256 per year, or about $105 per month.
  4. Dairyland: $2,368 per year, or about $197 per month.
  5. Encompass: $2,310 per year, or about $193 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. Allstate: $3,711 per year, or about $309 per month.
  2. American Family: $3,336 per year, or about $278 per month.
  3. Country Financial: $2,297 per year, or about $191 per month.
  4. Dairyland: $3,249 per year, or about $271 per month.
  5. Encompass: $3,490 per year, or about $291 per month.

Cheapest auto insurance in Oregon for 20-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Oregon, here are the companies with the lowest average rates for minimum coverage:

  1. Allstate: $2,714 per year, or about $226 per month.
  2. American Family: $2,543 per year, or about $212 per month.
  3. Country Financial: $1,692 per year, or about $141 per month.
  4. Dairyland: $3,042 per year, or about $253 per month.
  5. Encompass: $3,035 per year, or about $253 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. Allstate: $3,682 per year, or about $307 per month.
  2. American Family: $3,200 per year, or about $267 per month.
  3. Country Financial: $1,897 per year, or about $158 per month.
  4. Dairyland: $3,187 per year, or about $266 per month.
  5. Encompass: $3,193 per year, or about $266 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. Allstate: $3,194 per year, or about $266 per month.
  2. American Family: $3,547 per year, or about $296 per month.
  3. Country Financial: $2,028 per year, or about $169 per month.
  4. Dairyland: $2,880 per year, or about $240 per month.
  5. Geico: $2,435 per year, or about $203 per month.

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 who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Allstate: $3,002 per year, or about $250 per month.
  2. American Family: $1,587 per year, or about $132 per month.
  3. Country Financial: $1,899 per year, or about $158 per month.
  4. Dairyland: $3,000 per year, or about $250 per month.
  5. Encompass: $1,987 per year, or about $166 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. Allstate: $1,248 per year, or about $104 per month.
  2. American Family: $982 per year, or about $82 per month.
  3. Country Financial: $688 per year, or about $57 per month.
  4. Dairyland: $1,351 per year, or about $113 per month.
  5. Encompass: $982 per year, or about $82 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. Allstate: $4,742 per year, or about $395 per month.
  2. American Family: $2,841 per year, or about $237 per month.
  3. Country Financial: $2,978 per year, or about $248 per month.
  4. Dairyland: $4,504 per year, or about $375 per month.
  5. Encompass: $2,947 per year, or about $246 per month.

Cheapest auto insurance in Oregon for 30-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Oregon, here are the companies with the lowest average rates for minimum coverage:

  1. Allstate: $1,404 per year, or about $117 per month.
  2. American Family: $1,154 per year, or about $96 per month.
  3. Country Financial: $915 per year, or about $76 per month.
  4. Dairyland: $1,959 per year, or about $163 per month.
  5. Encompass: $1,261 per year, or about $105 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. Allstate: $4,324 per year, or about $360 per month.
  2. American Family: $2,267 per year, or about $189 per month.
  3. Country Financial: $2,674 per year, or about $223 per month.
  4. Dairyland: $4,831 per year, or about $403 per month.
  5. Encompass: $2,954 per year, or about $246 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. Allstate: $4,220 per year, or about $352 per month.
  2. American Family: $2,329 per year, or about $194 per month.
  3. Country Financial: $2,818 per year, or about $235 per month.
  4. Dairyland: $3,947 per year, or about $329 per month.
  5. Encompass: $7,713 per year, or about $643 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. Allstate: $2,996 per year, or about $250 per month.
  2. American Family: $1,416 per year, or about $118 per month.
  3. Country Financial: $1,750 per year, or about $146 per month.
  4. Dairyland: $2,680 per year, or about $223 per month.
  5. Encompass: $1,987 per year, or about $166 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. Allstate: $1,248 per year, or about $104 per month.
  2. American Family: $861 per year, or about $72 per month.
  3. Country Financial: $642 per year, or about $54 per month.
  4. Dairyland: $1,227 per year, or about $102 per month.
  5. Encompass: $982 per year, or about $82 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. Allstate: $4,742 per year, or about $395 per month.
  2. American Family: $2,503 per year, or about $209 per month.
  3. Country Financial: $2,722 per year, or about $227 per month.
  4. Dairyland: $4,013 per year, or about $334 per month.
  5. Encompass: $2,947 per year, or about $246 per month.

Cheapest auto insurance in Oregon for 40-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Oregon, here are the companies with the lowest average rates for minimum coverage:

  1. Allstate: $1,404 per year, or about $117 per month.
  2. American Family: $1,007 per year, or about $84 per month.
  3. Country Financial: $851 per year, or about $71 per month.
  4. Dairyland: $1,805 per year, or about $150 per month.
  5. Encompass: $1,263 per year, or about $105 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. Allstate: $4,324 per year, or about $360 per month.
  2. American Family: $2,267 per year, or about $189 per month.
  3. Country Financial: $2,471 per year, or about $206 per month.
  4. Dairyland: $4,311 per year, or about $359 per month.
  5. Encompass: $2,954 per year, or about $246 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. Allstate: $4,220 per year, or about $352 per month.
  2. American Family: $2,329 per year, or about $194 per month.
  3. Country Financial: $2,581 per year, or about $215 per month.
  4. Dairyland: $3,479 per year, or about $290 per month.
  5. Encompass: $7,494 per year, or about $624 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 cheap auto 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. Allstate: $2,752 per year, or about $229 per month.
  2. American Family: $1,294 per year, or about $108 per month.
  3. Country Financial: $1,674 per year, or about $140 per month.
  4. Dairyland: $2,514 per year, or about $210 per month.
  5. Encompass: $1,841 per year, or about $153 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. Allstate: $1,150 per year, or about $96 per month.
  2. American Family: $800 per year, or about $67 per month.
  3. Country Financial: $633 per year, or about $53 per month.
  4. Dairyland: $1,166 per year, or about $97 per month.
  5. Encompass: $919 per year, or about $77 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. Allstate: $4,238 per year, or about $353 per month.
  2. American Family: $2,315 per year, or about $193 per month.
  3. Country Financial: $2,619 per year, or about $218 per month.
  4. Dairyland: $3,785 per year, or about $315 per month.
  5. Encompass: $2,735 per year, or about $228 per month.

Cheapest auto insurance in Oregon for 50-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Oregon, here are the companies with the lowest average rates for minimum coverage:

  1. Allstate: $1,365 per year, or about $114 per month.
  2. American Family: $934 per year, or about $78 per month.
  3. Country Financial: $838 per year, or about $70 per month.
  4. Dairyland: $1,684 per year, or about $140 per month.
  5. Encompass: $1,183 per year, or about $99 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. Allstate: $4,261 per year, or about $355 per month.
  2. American Family: $2,086 per year, or about $174 per month.
  3. Country Financial: $2,387 per year, or about $199 per month.
  4. Dairyland: $3,985 per year, or about $332 per month.
  5. Encompass: $2,727 per year, or about $227 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. Allstate: $3,881 per year, or about $323 per month.
  2. American Family: $2,096 per year, or about $175 per month.
  3. Country Financial: $2,464 per year, or about $205 per month.
  4. Dairyland: $3,268 per year, or about $272 per month.
  5. Encompass: $7,072 per year, or about $589 per month.

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 car 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. Allstate: $2,678 per year, or about $223 per month.
  2. American Family: $1,290 per year, or about $108 per month.
  3. Country Financial: $1,614 per year, or about $134 per month.
  4. Dairyland: $2,452 per year, or about $204 per month.
  5. Encompass: $1,796 per year, or about $150 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. Allstate: $1,145 per year, or about $95 per month.
  2. American Family: $811 per year, or about $68 per month.
  3. Country Financial: $627 per year, or about $52 per month.
  4. Dairyland: $1,147 per year, or about $96 per month.
  5. Encompass: $926 per year, or about $77 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. Allstate: $4,160 per year, or about $347 per month.
  2. American Family: $2,310 per year, or about $192 per month.
  3. Country Financial: $2,541 per year, or about $212 per month.
  4. Dairyland: $3,744 per year, or about $312 per month.
  5. Encompass: $2,666 per year, or about $222 per month.

Cheapest auto insurance in Oregon for 60-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Oregon, here are the companies with the lowest average rates for minimum coverage:

  1. Allstate: $1,359 per year, or about $113 per month.
  2. American Family: $952 per year, or about $79 per month.
  3. Country Financial: $831 per year, or about $69 per month.
  4. Dairyland: $1,658 per year, or about $138 per month.
  5. Encompass: $1,196 per year, or about $100 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. Allstate: $4,187 per year, or about $349 per month.
  2. American Family: $2,086 per year, or about $174 per month.
  3. Country Financial: $2,332 per year, or about $194 per month.
  4. Dairyland: $3,956 per year, or about $330 per month.
  5. Encompass: $2,668 per year, or about $222 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. Allstate: $3,827 per year, or about $319 per month.
  2. American Family: $2,096 per year, or about $175 per month.
  3. Country Financial: $2,374 per year, or about $198 per month.
  4. Dairyland: $3,255 per year, or about $271 per month.
  5. Encompass: $6,811 per year, or about $568 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Oregon for 70-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. Allstate: $2,831 per year, or about $236 per month.
  2. American Family: $1,422 per year, or about $119 per month.
  3. Country Financial: $1,679 per year, or about $140 per month.
  4. Dairyland: $2,640 per year, or about $220 per month.
  5. Encompass: $2,020 per year, or about $168 per month.

Cheapest minimum coverage car insurance in Oregon for 70-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. Allstate: $1,198 per year, or about $100 per month.
  2. American Family: $896 per year, or about $75 per month.
  3. Country Financial: $702 per year, or about $58 per month.
  4. Dairyland: $1,213 per year, or about $101 per month.
  5. Encompass: $1,050 per year, or about $88 per month.

Cheapest auto insurance in Oregon for 70-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. Allstate: $4,346 per year, or about $362 per month.
  2. American Family: $2,538 per year, or about $212 per month.
  3. Country Financial: $2,693 per year, or about $224 per month.
  4. Dairyland: $3,957 per year, or about $330 per month.
  5. Encompass: $2,995 per year, or about $250 per month.

Cheapest auto insurance in Oregon for 70-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Oregon, here are the companies with the lowest average rates for minimum coverage:

  1. Allstate: $1,423 per year, or about $119 per month.
  2. American Family: $1,067 per year, or about $89 per month.
  3. Country Financial: $931 per year, or about $78 per month.
  4. Dairyland: $1,752 per year, or about $146 per month.
  5. Encompass: $1,360 per year, or about $113 per month.

Cheapest auto insurance in Oregon for 70-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. Allstate: $4,384 per year, or about $365 per month.
  2. American Family: $2,287 per year, or about $191 per month.
  3. Country Financial: $2,512 per year, or about $209 per month.
  4. Dairyland: $4,252 per year, or about $354 per month.
  5. Encompass: $2,991 per year, or about $249 per month.

Cheapest auto insurance in Oregon for 70-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. Allstate: $3,979 per year, or about $332 per month.
  2. American Family: $2,355 per year, or about $196 per month.
  3. Country Financial: $2,526 per year, or about $211 per month.
  4. Dairyland: $3,483 per year, or about $290 per month.
  5. Encompass: $7,054 per year, or about $588 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 three auto insurance options for 64 of the 70 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 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-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.

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