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How Much is Auto Insurance in Oregon?

Enter your Oregon zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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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.

Enter your zip code below to view companies that have cheap auto insurance rates.

Rankings for the cheapest Oregon auto insurance companies
Rank Company Cost Per Year
1 Grange $694
2 Oregon Mutual $828
3 Country $831
4 USAA $941
5 Travelers $942
6 State Farm $1,071
7 Amica $1,159
8 Allied $1,167
9 GEICO $1,179
10 California Casualty $1,182
11 Mutual Enumclaw $1,212
12 Progressive $1,235
13 MetLife $1,327
14 21st Century $1,364
15 American Family $1,431
16 Encompass $1,574
17 Allstate $1,705
18 Farmers $1,954
19 Safeco $2,238
20 Liberty Mutual $2,433
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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.

Cheapest Vehicles to Insure in Oregon
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
Toyota Prius $1,031
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.

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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.

How much does auto insurance cost in Oregon?
Rank City Premium Per Year
1 Gresham $1,558
2 Portland $1,529
3 Lake Oswego $1,406
4 Aloha $1,405
5 Oregon City $1,402
6 Forest Grove $1,401
7 Beaverton $1,398
8 Keizer $1,365
9 Newberg $1,364
10 West Linn $1,362
11 Woodburn $1,359
12 Hillsboro $1,352
13 Salem $1,346
14 Tigard $1,336
15 McMinnville $1,325
16 Tualatin $1,312
17 Redmond $1,247
18 Bend $1,236
19 Roseburg $1,196
20 Albany $1,188
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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.

Top 15 Auto Insurance Companies in Oregon
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
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Data Source: Insure.com Best Car Insurance Companies

Get discount Oregon car insurance rates

Cheaper Oregon auto insurance for drivers in OregonAuto 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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