Cheap Auto Insurance in Oregon 2023

Oregon is the 20th most-expensive state for car insurance, with average rates of $235 per month, according to our data. The average rate for car insurance in the Beaver State resembles the national average rate of $233 per month and is similar to the rates in both Colorado and Missouri. Every year, the Oregon DMV registers around 1.8 million vehicles.^[1] To locate the most affordable car insurance in Oregon that meets your insurance needs, you should compare quotes with multiple auto insurers.

Best cheap car insurance in Oregon: Travelers

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Travelers

Best Cheap Car Insurance in Oregon

Many car insurance companies in Oregon have cheap auto insurance rates. Mile Auto and Travelers offer the most affordable rates, with average monthly quotes of $93 and $109, respectively. State Farm and Progressive are also examples of providers with some of the best rates. Here’s a look at cheap car insurance in Oregon.

Learn More: Best Car Insurance Companies

Insurify Composite Score (ICS)

To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists weigh multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include J.D. Power ratings, Consumer Reports customer satisfaction surveys and customer complaints, mobile app reviews, user-generated company reviews, and financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch.

Minimum car insurance requirements in Oregon

Oregon requires insurance for all motor vehicles operated or parked on state roadways. You must carry proof of insurance in your car at all times and have it available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Oregon^[2] are:

• $25,000 per person and $50,000 per accident for bodily injury: As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Oregon is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $20,000 per accident for property damage: If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $15,000 per accident for PIP: Personal injury protection, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

• $25,000 per person and $50,000 per accident for uninsured/underinsured motorist bodily injury: Uninsured and underinsured motorist coverage pay for costs caused by a driver with little or no insurance after a car accident. In Oregon, this coverage applies to bodily injury caused by uninsured drivers.

Oregon DMV information

Oregon Driver & Motor Vehicle Services offers a variety of important services for drivers in the state.^[3] Many can be completed online, including license and vehicle registration renewal, accessing sold vehicle reports, and license replacements. In-person appointments for other services are also available at more than 60 offices throughout Oregon.

Public transportation in Oregon

The Oregon Public Transportation Division works to support local and regional public transportation services.^[4] While Oregon doesn’t have a statewide public transportation system, many cities have their own services to help residents get around. Portland, for example, maintains the TriMet, a transportation network that includes buses, light-rail, and commuter rail.

Tips for getting cheap car insurance in Oregon

Comparing quotes from multiple auto insurers is the most reliable tactic for finding cheap car insurance in Oregon. Here are a few other common ways to save money on your individual car insurance premium:

• Bundle two or more insurance policies.

• Increase your deductible.

• Use all available discounts.

• Complete a safe driver course.

Liability-only vs. full-coverage insurance in Oregon

If you live in Oregon, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Each state sets its own minimums for how much liability insurance it requires drivers to carry. Liability-only insurance can make sense if:

• You have a low-value vehicle.

• You can afford to repair or replace your car out of your own pocket.

• Getting the cheapest insurance possible is your top priority.

For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive pays for damages caused by events out of your control, like vandalism, weather, and animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.

You may also opt for full coverage if:

• You have a high-value vehicle.

• You wouldn’t be able to afford to repair or replace your car out of pocket.

• Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.

Here’s a look at the cheapest auto insurance in Oregon by policy type.

How your driving history affects Oregon car insurance rates

Your driving history is the factor that most influences your car insurance costs. Good drivers — whose records are free of serious traffic violations like speeding tickets or reckless driving — tend to get the best car insurance rates in Oregon. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.

Here’s a look at average monthly quotes for the cheapest car insurance in Oregon based on driving and accident history.

See More: High-Risk Car Insurance Oregon

See More: SR-22 Car Insurance Oregon

SR-22 insurance in Oregon

If you’ve committed a serious traffic violation in Oregon, like a DUI or reckless driving, the state will require you to get an SR-22 — a form that proves you’ve met the minimum car insurance requirements in the state. These are some of the insurance companies that issue SR-22s in Oregon.

How credit scores affect Oregon car insurance quotes

Many states use credit scores to determine car insurance rates. Generally, people with excellent or good credit scores can qualify for lower car insurance premiums than people with average or poor credit scores. But Oregon restricts how insurers can use credit. The state prohibits auto insurers from raising rates at policy renewal due to credit scoring.^[5] They also can’t cancel or refuse to renew a policy because of your credit.

See More: Bad Credit Car Insurance Oregon

How your city affects Oregon insurance quotes

Car insurance rates vary greatly depending on where you live in Oregon. If you’re a resident of a larger city like Portland, for example, you’ll likely pay more for an auto policy than someone who lives in a rural city such as Sisters or Cottage Grove. The table below shows car insurance quotes in Oregon’s most populous cities.

How your age affects your Oregon car insurance rates

Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older.

The following table gives a high-level view of how age can affect insurance rates.

Quotes for younger drivers

Multiple other factors influence how much drivers in each age group will pay for car insurance. Some will increase rates for one age group more than another, while others will impact all age groups evenly.

The following table compares how different insurance factors affect average monthly rates for drivers younger than 30. Travelers offers the lowest average rates for liability and full coverage car insurance at just $86 and $127 per month, respectively.

Quotes for middle-aged drivers

The following table compares how different insurance factors affect average monthly rates for drivers between 30 and 59 — the age group that earns some of the cheapest average premiums in Oregon. Middle-aged drivers with an accident earn low average rates of $105 with Mile Auto, $107 with Travelers, and $130 with National General.

Quotes for senior drivers

The following table compares how different insurance factors affect average monthly rates for drivers 59 and older. Find affordable rates from Travelers, National General, Mile Auto, and more. On average, senior drivers in Oregon pay between $140 and $155 per month for auto insurance coverage. 

Oregon car insurance FAQs

Insurify Insights

How Oregon Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Oregon below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Oregon drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Ford F-Series Pickup

Most Popular Car in Oregon

#10

State with the Most Speeding Tickets Rank

#10

State with the Moving Violations Rank

#16

State with the Most DUIs Rank

#5

State with the most Suspended Licenses

• Accidents in Oregon

  While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Oregon is the #13 state in the country for drivers with an at-fault accident on their driving record.

  • Rank among states: #13
  • Percent of drivers in Oregon with an accident: 9.9%
• DUIs in Oregon

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Oregon is the #16 state in the country for drivers with a prior drunk driving conviction.

  • Rank among states: #16
  • Percent of drivers in Oregon with a DUI: 1.8%
• Reckless Driving in Oregon

  Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Oregon is the #12 state in the country for drivers with a reckless driving offense on record.

  • Rank among states: #12
  • Percent of drivers in Oregon with a reckless driving offense: 1.7%
• Rude Driving in Oregon

  The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Oregon is the #14 state in the country for drivers with a rude driving violation on record.

  • Rank among states: #14
  • Percent of drivers in Oregon with a rude driving violation: 2%
• Speeding in Oregon

  Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Oregon is the #10 state in the country for drivers with a speeding ticket on record.

  • Rank among states: #10
  • Percent of drivers in Oregon with a speeding ticket: 10.9%
• Failure to Yield Rates in Oregon

  Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Oregon is the #14 state in the country for drivers with a failure to yield violation on record.

  • Rank among states: #14
  • Percent of drivers in Oregon with a failure to yield violation: 0.2%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.