The best cheap car insurance in Oregon

  • Car insurance in Oregon isn't incredibly expensive, but shopping around can help you save even more.
  • GEICO gets the top rank in customer satisfaction, and State Farm is the most popular.
  • State Farm is also the largest provider of car insurance in Oregon.
  • Check out our partner Savvy — a free tool that lets you compare car insurance quotes in minutes  »

Car insurance in Oregon is relatively affordable, with the average driver paying $877 per year for coverage according to the Insurance Information Institute. But, even though coverage is affordable in this West Coast state, there's still a lot to be saved by shopping around for coverage and comparing quotes.

Shopping around for your car insurance is the best way to make sure that you're getting the best rate for you. Car insurance companies base their premiums, or the amount you'll pay for coverage, on a variety of factors. Since each company weighs factors differently, getting one quote won't help you make sure you're getting the best possible price.

The most popular car insurance companies in Oregon

The following are the most popular car insurance companies in Oregon, based on the percentage of insured Oregon drivers who use them:

Company Market share (%)
State Farm 18.83
Progressive 16.15
GEICO 10.38
Farmers Insurance 8.42
Liberty Mutual 8.28
Allstate 8.13
USAA* 6.43
COUNTRY Financial 3.75
American Family Insurance 3.39
Travelers 1.77
Nationwide 1.72
PEMCO Mutual Insurance 1.4
The Hartford 1.33
Mutual of Enumclaw 0.99
Kemper 0.98
MetLife 0.96
Sentry 0.8
Oregon Mutual 0.76
CSAA 0.63
Amica 0.54

*USAA is only for active military, veterans, and their families.

Data from S&P Global Intelligence

The best car insurance in Oregon based on customer satisfaction

Customer satisfaction with car insurance providers may factor into your decision. According to J.D. Power, a consumer research company that surveys customers, these are the top car insurance companies in the Northwest region (which includes Oregon):

  1. GEICO
  2. Pemco
  3. Region Average
  4. Progressive
  5. The Hartford
  6. Liberty Mutual
  7. Safeco
  8. State Farm
  9. Allstate 
  10. Farmers
  11. Travelers
  12. American Family

The best cheap car insurance in Oregon based on credit score

Consumer Reports compiled car insurance pricing formulas from every insurance company in each state. It found that three companies offer the best prices for the typical single adult driver in Oregon in three different credit categories.

People with excellent FICO scores (800-850) can expect to see some of the lowest rates in Oregon, on average:

  • Safeco car insurance: $819 per year
  • USAA car insurance: $826 per year
  • State Farm car insurance: $840 per year

Drivers with good credit, FICO scores 670-739, will find that their best options are USAA and State Farm, on average:

  • USAA car insurance: $974 per year
  • State Farm car insurance: $1,041 per year
  • Safeco car insurance: $1,044 per year

Drivers with poor credit, FICO scores 300-579, will pay the most for car insurance coverage, on average. Here are the three most affordable companies for this credit range:

  • American Family car insurance: $1,756 per year
  • Allstate car insurance: $1,968 per year
  • State Farm car insurance: $2,010 per year

The best car insurance for drivers with a clean record

For a driver in Oregon age 25 or older with no accidents and one vehicle, the following companies provide the best average rates:

Company Average monthly insurance premium 
Bristol West $66
State Farm $104
Root $108
Travelers $115
Liberty Mutual $119
GEICO $122
Progressive $129
Allstate $137
Esurance $150
American Family $150
USAA* $159
Safeco $193
Farmers $224

*USAA is only for active military, veterans, and their families.

Above data obtained from Savvy, based on 1,273 policyholders in the state of Oregon

The best car insurance for one or more accidents on record

For a driver in Oregon age 25 or older, with one or more accidents and one vehicle, the following companies provide the best average rates:

Company Average monthly insurance premium 
Esurance $104
GEICO $131
Allstate $132
Bristol West $145
Farmers $145
Progressive $173

Above data obtained from Savvy, based on 1,273 policyholders in the state of Oregon

Oregon car insurance rates by city

Below is the estimated average annual premium of auto insurance policies per household in Oregon's most populous cities:

City Average annual insurance premium 
Portland $1,365
Salem $1,320
Eugene $1,263
Gresham $1,326
Hillsboro $1,433
Beaverton $1,395
Bend $1,395
Medford $1,283
Springfield $1,243
Corvallis $1,281
Albany $1,340
Aloha $1,433
Tigard $1,427
Keizer $1,367
Lake Oswego $1,521
Grants Pass $1,150
Oregon $1,418
McMinnville $1,325
Redmond $1,342
Tualatin $1,442
West Linn $1,539
Bethany $1,637
Woodburn $1,285
Wilsonville $1,398
Forest Grove $1,340
Newberg $1,386
Roseburg $1,240
Hayesville $1,272
Ashland $1,274
Sherwood $1,546
Milwaukie $1,332
Happy Valley $1,600
Klamath Falls $1,246
Altamont $1,263
Central Point $1,312
Hermiston $1,270
Lebanon $1,247
Oak Grove $1,333
Four Corners $1,283
Canby $1,400

Data from S&P Global Intelligence

Who gets the best cheap car insurance in Oregon?

As the car insurance prices above show, drivers with the best credit scores will typically see the lowest cost of coverage in Oregon. But, that doesn't mean that you can't save if you don't have a perfect credit score.

Raising your credit score could help lower your car insurance costs. And, you can save by shopping around for coverage. Every car insurance company prices premiums according to different factors, so you'll want to see what types of coverage and rates multiple companies offer. 

Get quotes from several companies and compare them to find your best cost for coverage. Look for the policy with the most coverage types and the highest limits for your budget. Also make sure to look at the deductible, or the amount you'll pay out of pocket if you get into an accident. Generally, the lower the premium, the higher the deductible. Look for a policy that has a low deductible, the most coverage, and the lowest premium to find your best deal.

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