How Much is Auto Insurance in Oregon?
Enter your Oregon zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 19, 2019
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The words “affordable” and “insurance” really shouldn’t be used together, in particular when comparison shopping for the lowest insurance rates in Oregon. To help control this cost, let’s start the ball rolling by going over some of the factors that have an effect on car insurance prices, and see if you can lower the price of the next policy you buy.
Determining which companies offer the cheapest auto insurance rates in Oregon will involve a bit more work in order to find the most economical policy. Each insurer has their own formula for filing rates in each state, so we will examine the auto insurance companies that tend to be cheaper in Oregon.
|Rank||Company||Cost Per Year|
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Grange may offer some of the best car insurance rates in Oregon at around $694 annually. Oregon Mutual, Country, USAA, and Travelers are also some of the most economical Oregon insurance companies.
As shown in the rates above, if you are insured with USAA and switched to Oregon Mutual, you may see savings of around $113. Customers with Travelers might save as much as $114 a year, and State Farm policyholders might lower prices by up to $243 a year.
If you want to find out if you’re overpaying, click here to start your free quote or quote prices from the following companies.
Enter your zip code below to view companies that have cheap auto insurance rates.
Bear in mind that those premiums are averages across all insureds and vehicles and and are not calculated with a price discount in Oregon. So the car insurance company that fits your situation best may not even be included in the list above. That underscores the importance of why you need to get quotes using your own individual information.
The make and model of vehicle needing coverage is a large consideration in finding economical car insurance in Oregon. Vehicles with high performance features, poor safety features, or a track record of large liability claims will cost much more to insure than more economical and safe models.
The next list illustrates auto insurance rates for a handful of the cheapest automobiles to buy coverage for.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V LX 4WD||$813|
|Honda Accord EX-L 4-Dr Sedan||$893|
|Ford Escape XLS 4WD||$895|
|Subaru Outback 3.6R Premium||$987|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$996|
|Ford F-150 SVT Raptor Super Cab 4WD||$987|
|Kia Forte LX 4-Dr Sedan||$992|
|Subaru Forester XT Limited Edition W/Navigation AWD||$996|
|Ford Focus SES 4-Dr Sedan||$1,004|
|Dodge Grand Caravan CV||$1,025|
|Ford Explorer XLT 4WD||$1,030|
|Chevrolet Traverse LTZ 2WD||$1,040|
|Nissan Altima Hybrid 4-Dr Sedan||$1,046|
|Jeep Wrangler Unlimited Sahara 2WD 4-Dr||$1,052|
|Honda Odyssey EX W/Rear Entertainment||$1,055|
|Toyota RAV4 Sport 4WD||$1,057|
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Oregon minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rate information does not factor in vehicle location which can change premiums substantially.
Based on these rates, you can expect cars like the Honda CR-V, Honda Accord, Ford Escape, and Subaru Outback will definitely be the most budget-friendly vehicles to insure for drivers in Oregon.
For drivers in Oregon, one of the more important criteria that are looked at to determine auto insurance rates is where your residence is in Oregon. Cities with larger populations or higher claim trends like Gresham, Lake Oswego, and Oregon City will most likely have higher rates, whereas areas with less congestion have the luxury of auto insurance in Oregon.
The following table ranks the most expensive cities in Oregon to buy an auto insurance policy in.
|Rank||City||Premium Per Year|
|Find Cheaper Rates Go|
Rate information is comparative as the vehicle garaging location can alter rates significantly.
Difference between full coverage and liability only rates
Saving money on auto insurance is important to most vehicle owners, and one way to pay lower rates for insurance in Oregon is to buy only liability coverage. The diagram below compares car insurance costs with and without full coverage. The premium estimates are based on no accidents or driving violations, $1,000 deductibles, drivers are not married, and no policy discounts are applied.
If averaged for all ages, comprehensive and collision coverage on your policy costs an additional $1,345 per year more than buying just liability insurance. A very common question is if paying for full coverage is worth it. There is no definitive guideline to stop buying physical damage insurance, but there is a guideline you can consider. If the yearly cost of full coverage is more than around 10% of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s assume your vehicle’s book value is $9,500 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $8,500 after the policy deductible has been paid. If you are paying in excess of $850 a year for your policy with full coverage, then it might be time to consider dropping full coverage.
There are some cases where eliminating full coverage is not a good plan. If you haven’t satisfied your loan, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not drop full coverage.
Buying coverage from a highly-rated car insurance provider can be a challenge considering how many companies there are in Oregon. The information in the lists below can help you select which companies to look at buying from. These ratings are only made up of companies that insure vehicles nationwide, so companies that only write business in Oregon or surrounding areas are not included in this list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Get discount Oregon car insurance rates
Auto insurance companies that offer auto insurance in Oregon could also offer premium discounts that could lower prices by as much as 40% or more if you can meet the requirements. Large auto insurance companies and a selection of discounts include:
- GEICO offers discounts for multi-vehicle, federal employee, multi-policy, emergency military deployment, defensive driver, and air bags.
- MetLife offers premium reductions for multi-policy, good student, good driver, accident-free, and claim-free.
- Progressive may include discounts for continuous coverage, multi-vehicle, online quote discount, good student, and multi-policy.
- Travelers policyholders can earn discounts including multi-car, early quote, save driver, student away at school, and new car.
- SAFECO offers discounts including bundle discounts, anti-lock brakes, drive less, multi-car, and accident prevention training.
- AAA may offer discounts for multi-car, education and occupation, pay-in-full, anti-theft, multi-policy, good driver, and good student.
The illustration below compares auto insurance rates with and without discounts applied to the premium. The data assumes a female driver, no violations or accidents, Oregon state minimum liability limits, full coverage, and $1,000 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with vehicle safety, safe-driver, claim-free, marriage, homeowner, and anti-theft discounts applied. When drivers take advantage of discounts, the amount saved on auto insurance in Oregon is 28% or $384.
Here’s why you should compare rates often
Oregon auto insurance rates are calculated based on many things that control the price of coverage. Simply improving your credit, moving across town, or getting a driving violation can produce rate changes that can now make some companies more affordable than competitors. Additionally, companies file new rates every year to reflect underwriting profits or losses. A period of increased losses may result in price increases, while a lower level of claims may cause cheaper Oregon car insurance rates.
The chart below shows the company with the cheapest car insurance in Oregon for a 45-year-old female driver with no violations or accidents, and good credit. If we look at prices based on her current risk profile, Grange may have the most affordable car insurance rates in Oregon at $715 per year. This is $763 less than the average price paid by Oregon drivers of $1,478. Oregon Mutual, Country, Travelers, and USAA are the remaining cheapest Oregon auto insurance companies.
In this example, we will give the driver from the above example a claim, a lower credit rating, and a few traffic violations. Because each insurer has their own unique process for setting rates, comparing quotes may now present a significantly different list of the cheapest Oregon car insurance companies as shown below.
Oregon Mutual now has the best price on car insurance in Oregon with Country, Amica, Allied, and GEICO completing the list. This example demonstrates why it is important to compare lots of rates to find the lowest auto insurance quotes in Oregon.
Insurance prices are calculated by many things and can decrease or increase without notice, so the best price three years ago may now be quite expensive.
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