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Who Has the Cheapest Car Insurance for Teenagers 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 17, 2019

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It’s hard to avoid all the catchy advertisements from car insurance companies like Allstate and State Farm that make promises of huge savings, so you just need to select the one with the best jingle, right?

Unfortunately, it’s just not that easy, as there are a lot of unknowns like if you are a woman or a man, if you are single or married, and your age, that all help calculate your car insurance rates. We know insurance is not everyone’s favorite topic, but in this article we will cover the best ways to maintain low rates and will hopefully give you a good start in finding the cheapest car insurance.

When shopping for cheaper car insurance for teen drivers, one of the many criteria that is looked at to help calculate the amount you pay for auto insurance is where you call home in Oregon. Areas with more people or higher crime rates like Gresham, Lake Oswego, and Oregon City likely pay more, whereas areas with less traffic congestion and claims get the luxury of paying less.

The table below displays the more expensive cities in Oregon for teenagers to purchase auto insurance in.

How much does auto insurance cost in Oregon?
Rank City Premium Per Year
1 Gresham $1,606
2 Portland $1,544
3 Lake Oswego $1,406
4 Aloha $1,405
5 Oregon City $1,402
6 Forest Grove $1,388
7 Hillsboro $1,380
8 Beaverton $1,370
9 Newberg $1,364
10 Woodburn $1,359
11 Tualatin $1,338
12 Tigard $1,336
13 McMinnville $1,325
14 West Linn $1,322
15 Keizer $1,311
16 Salem $1,306
17 Bend $1,224
18 Redmond $1,223
19 Roseburg $1,196
20 Grants Pass $1,180
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Information shown are comparative as vehicle location can change rates noticeably.

Everyone has different tastes in autos, and the style of vehicle driven is one of the main factors that determines the availability of cheaper coverage for teenagers. Vehicles with higher performance characteristics, poor safety ratings, or a history of substantial liability claims will cost much more to insure than safer, lower-performance models.

The lists below shows coverage prices for a handful of the most affordable vehicles to insure in Oregon.

Insurance Rates for Popular Cars in Oregon
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LS $3,252 $1,626 $271
Ford Focus SEL 4-Dr Sedan $3,396 $1,698 $283
Ford Fusion Hybrid 4-Dr Sedan $4,144 $2,072 $345
Honda Civic GX 4-Dr Sedan $3,598 $1,799 $300
Hyundai Elantra GLS Touring Station Wagon $2,740 $1,370 $228
Nissan Altima 2.5 S 4-Dr Sedan $3,424 $1,712 $285
Toyota Camry Hybrid $3,720 $1,860 $310
Toyota Corolla XRS $3,450 $1,725 $288
Volkswagen Jetta LE 4-Dr Sedan $3,252 $1,626 $271
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Above prices assume single female driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oregon minimum liability limits. Discounts applied include safe-driver, and claim-free. Price information does not factor in specific zip code location which can affect auto insurance rates significantly.

Insurance Rates for Popular SUVs and Crossovers in Oregon
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura MDX with Tech/Entertainment 4WD $3,476 $1,738 $290
Acura RDX AWD $2,942 $1,471 $245
Chevrolet Traverse LT AWD $2,968 $1,484 $247
Ford Escape XLS 2WD $2,740 $1,370 $228
Ford Explorer Limited AWD $3,278 $1,639 $273
GMC Acadia SLT AWD $3,278 $1,639 $273
Honda CR-V EX 2WD $2,740 $1,370 $228
Honda Fit Sport VSA $2,720 $1,360 $227
Honda Pilot EX-L 4WD $3,278 $1,639 $273
Jeep Grand Cherokee Laredo 2WD $3,252 $1,626 $271
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $3,426 $1,713 $286
Toyota 4Runner SR/5 4WD $2,968 $1,484 $247
Toyota Highlander 2WD $3,078 $1,539 $257
Toyota RAV4 Limited 4WD $3,252 $1,626 $271
Volvo XC90 3.2 2WD $3,450 $1,725 $288
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Data rating is based on single female driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oregon minimum liability limits. Discounts applied include claim-free, and safe-driver. Information does not factor in specific garaging location which can modify insurance rates greatly.

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Auto Insurance Rates for Popular Pickup Trucks in Oregon
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 2WD $4,094 $2,047 $341
Chevrolet Silverado LT Extended Cab 2WD $3,522 $1,761 $294
Dodge Ram 3500 Mega Cab Laramie 2WD $3,678 $1,839 $307
Dodge Ram Crew Cab Laramie 2WD $3,746 $1,873 $312
Ford F-150 XL Super Cab 2WD $3,050 $1,525 $254
Ford F-350 Super Cab Cabela Package 4WD $4,514 $2,257 $376
GMC Canyon SLE Regular Cab 2WD $3,050 $1,525 $254
GMC Sierra 2500HD SLE Extended Cab 4WD $3,450 $1,725 $288
GMC Sierra SLT Extended Cab 4WD $3,450 $1,725 $288
Toyota Tundra SR/5 Double Cab 4WD $3,548 $1,774 $296
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Premium data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oregon minimum liability limits. Discounts applied include claim-free, and safe-driver. Estimates do not factor in specific garaging location which can change prices noticeably.

Should you buy full coverage?

Finding the cheapest auto insurance for teenagers in Oregon is important to most drivers, and one great way to lower the cost of insurance is to only buy liability insurance. The information below shows the comparison of yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes no violations or claims, $250 deductibles, drivers are not married, and no additional discounts are factored in.

If we average the cost for all age groups, comp and collision coverage costs an extra $1,682 per year over and above liability only. That amount may make you wonder if you should buy full coverage. There is no clear-cut formula for excluding comp and collision coverage, but there is a broad guideline. If the yearly cost of full coverage is more than around 10% of replacement cost minus your deductible, then you may need to consider dropping full coverage.

For example, let’s pretend your vehicle’s settlement value is $10,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $9,000 after paying your policy deductible. If you are paying in excess of $900 annually to have full coverage, then it might be time to consider dropping full coverage.

The example below illustrates how your deductible choice can impact premium costs when trying to find cheap insurance for teenagers. The premiums assume a married female driver, full physical damage coverage, and no discounts are taken into consideration.

In the chart above, a 30-year-old driver could lower rates by $252 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $382 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old example, could lower their rates $542 or even more by using a higher deductible.

When insureds make the decision to increase the deductibles on their policy, it will be required to have enough funds in savings to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Auto insurance rates are higher with tickets and accidents

The obvious way to maintain the cheapest auto insurance for teenagers in Oregon is to be a careful driver and avoid accidents and traffic violations. The information below shows how traffic citations and at-fault fender-benders can raise annual premium costs for different categories of driver ages. The price estimates are based on a married female driver, comp and collision included, $500 deductibles, and no policy discounts are applied.

The data charted above shows the average cost of car insurance in Oregon per year with a clean driving record and no accidents is $1,161. Factor in two speeding tickets and the average cost rises to $1,644, an increase of $482 each year. Now add two accidents along with the two speeding tickets and the yearly cost of auto insurance for teenagers increases to an average of $3,528. That’s an increase of $2,367, or $197 per month, just for not driving carefully!

Why are you paying too much for Oregon car insurance?

Oregon auto insurance rates are calculated based on many things that can increase the cost of a policy. Getting older, getting married, or getting a couple of tickets can trigger changes in premium that can now make some companies more affordable than others. Not only may your situation change, but auto insurance companies modify rates multiple times each year to adjust for unexpected claims or profits. An extended period of higher than normal claims may cause increased policy costs, while long-term profits may cause more affordable Oregon car insurance rates.

The graph below shows the company with the cheapest car insurance in Oregon for a 45-year-old female driver with a clean driving record, no accidents, and excellent credit. If we compare prices based on her current situation, Grange has the lowest car insurance rates in Oregon at $694 per year. This is $784 less than the average premium paid by Oregon drivers of $1,478. Country, Oregon Mutual, Travelers, and USAA are the remaining best Oregon auto insurance companies.

Let’s now give the driver from above a claim surcharge, a lower credit rating, and a few traffic violations. Due to the fact that every insurance company has a different process for setting prices, getting updated rate quotes may now present a different set of the cheapest car insurance companies in Oregon as shown below.

Amica now has the best price on car insurance in Oregon with GEICO, Country, Allied, and Mutual Enumclaw completing the list. This example proves why it is critical to shop around to find the most economical insurance rates for teenagers. Auto insurance prices are influenced by many different factors and can change substantially, so the most economical company the last time you shopped your coverage around may now be quite expensive.

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