The Cheapest Car Insurance Oregon Has To Offer

Literally the best cheap Oregon car insurance guide ever.

4/26/202313 min read

Guide to the Cheapest Car Insurance Oregon Has to Offer

Oregon Car Insurance Requirements: A Quick Overview

Oregon law mandates that every driver must carry a minimum level of car insurance coverage. This includes:

Bodily Injury Liability: $25,000 per person and $50,000 per accident
Property Damage Liability: $20,000 per accident
Personal Injury Protection (PIP): $15,000 per person
Uninsured Motorist Bodily Injury: $25,000 per person and $50,000 per accident

Meeting these requirements is essential, but savvy drivers can optimize their coverage to secure even more affordable rates.

Top Providers of Affordable Car Insurance in Oregon

Several insurance providers offer competitive rates and comprehensive coverage for Oregon drivers. Here are our top five picks:

State Farm: With its extensive network of agents and a reputation for excellent customer service, State Farm is a popular choice for Oregon drivers. They offer a range of discounts, including safe driver and multi-policy options, to help you save on your premiums.
GEICO: Known for their competitive rates, GEICO provides coverage for Oregon drivers with a variety of discounts, including military and federal employee options. Their user-friendly online platform makes managing your policy and filing claims simple.
Progressive: Progressive offers competitive pricing and customizable coverage options for Oregon drivers. They also have a robust online platform and mobile app for managing your policy and submitting claims.
Allstate: Allstate offers comprehensive coverage and a wide range of discounts for Oregon drivers. Their local agents can help you find the best policy for your needs, and their Drivewise program rewards safe driving habits.
Nationwide: Nationwide provides reliable coverage and numerous discounts for Oregon drivers. They offer a variety of coverage options, including accident forgiveness and vanishing deductibles, to help you tailor your policy to your specific needs.

Tips for Finding the Best Rates on Oregon Car Insurance

Bundle Your Policies

Insurers often offer discounts if you purchase multiple policies, such as home and auto insurance, from the same provider. Bundling can result in substantial savings on your premiums.

Improve Your Credit Score

Your credit score can impact your car insurance rates. Maintaining a good credit score demonstrates to insurers that you're a responsible individual, which can lead to lower premiums.

Take Advantage of Discounts

Insurance companies offer various discounts to reward safe driving habits, customer loyalty, and more. Be sure to inquire about any discounts you may be eligible for, such as good driver, student, or military discounts.

Increase Your Deductible

Raising your deductible can lower your monthly premium. However, it's essential to ensure you can afford the higher deductible in the event of an accident.

Compare Quotes from Multiple Providers

Shopping around and comparing quotes from different insurance companies can help you find the best rates and coverage for your needs. Take the time to gather and evaluate quotes from multiple providers before making a decision.

Comprehensive Coverage: Protecting Your Vehicle Beyond the Minimum

While Oregon law requires specific minimum coverage levels, comprehensive coverage can provide additional protection for your vehicle. Comprehensive coverage protects against damage from non-collision events such as theft, vandalism, fire, and natural disasters. Adding comprehensive coverage to your policy can provide peace of mind and financial security in the event of unforeseen circumstances.

Uninsured and Underinsured Motorist Coverage: Safeguarding Your Interests

Although Oregon law mandates minimum insurance coverage, some drivers may be uninsured or underinsured. Uninsured and underinsured motorist coverage can protect you and your passengers if you're involved in an accident with a driver who lacks sufficient coverage. This coverage can help cover medical expenses, lost wages, and other damages resulting from an accident with an uninsured or underinsured driver.

Cheapest for 20-year-old drivers

Cheapest full coverage car insurance in Oregon for 20-year-olds

QBE: $1,793 per year, or about $149 per month.
CIG: $1,861 per year, or about $155 per month.
State Farm: $2,172 per year, or about $181 per month.
Country Financial: $2,347 per year, or about $196 per month.
American Family: $2,584 per year, or about $215 per month.

Cheapest minimum coverage car insurance in Oregon for 20-year-olds

QBE: $743 per year, or about $62 per month.
CIG: $754 per year, or about $63 per month.
State Farm: $996 per year, or about $83 per month.
Country Financial: $1,117 per year, or about $93 per month.
Geico: $1,393 per year, or about $116 per month.

Cheapest auto insurance in Oregon for 20-year-olds with poor credit

CIG: $1,082 per year, or about $90 per month.
QBE: $1,498 per year, or about $125 per month.
Geico: $1,855 per year, or about $155 per month.
Country Financial: $2,095 per year, or about $175 per month.
Progressive: $2,401 per year, or about $200 per month.

Cheapest auto insurance in Oregon for 20-year-old drivers with one speeding ticket

CIG: $859 per year, or about $72 per month.
QBE: $993 per year, or about $83 per month.
State Farm: $1,119 per year, or about $93 per month.
Country Financial: $1,507 per year, or about $126 per month.
Geico: $1,702 per year, or about $142 per month.

Cheapest auto insurance in Oregon for 20-year-old drivers with one at-fault crash

CIG: $952 per year, or about $79 per month.
QBE: $994 per year, or about $83 per month.
State Farm: $1,304 per year, or about $109 per month.
Country Financial: $1,677 per year, or about $140 per month.
Progressive: $1,903 per year, or about $159 per month.

Cheapest auto insurance in Oregon for 20-year-old drivers after a DUI

CIG: $1,137 per year, or about $95 per month.
QBE: $1,327 per year, or about $111 per month.
State Farm: $1,495 per year, or about $125 per month.
Progressive: $1,731 per year, or about $144 per month.
Country Financial: $1,795 per year, or about $150 per month.

Cheapest for 30-year-old drivers

Cheapest full coverage car insurance in Oregon for 30-year-olds

State Farm: $970 per year, or about $81 per month.
QBE: $1,131 per year, or about $94 per month.
CIG: $1,222 per year, or about $102 per month.
Country Financial: $1,473 per year, or about $123 per month.
Oregon Mutual: $1,577 per year, or about $131 per month.

Cheapest minimum coverage car insurance in Oregon for 30-year-olds

State Farm: $441 per year, or about $37 per month.
CIG: $493 per year, or about $41 per month.
QBE: $565 per year, or about $47 per month.
Country Financial: $655 per year, or about $55 per month.
California Casualty: $744 per year, or about $62 per month.

Cheapest auto insurance in Oregon for 30-year-olds with poor credit

CIG: $1,706 per year, or about $142 per month.
QBE: $2,013 per year, or about $168 per month.
Oregon Mutual: $2,166 per year, or about $180 per month.
State Farm: $2,381 per year, or about $198 per month.
Country Financial: $2,415 per year, or about $201 per month.

Cheapest auto insurance in Oregon for 30-year-old drivers with one speeding ticket

State Farm: $496 per year, or about $41 per month.
CIG: $543 per year, or about $45 per month.
QBE: $805 per year, or about $67 per month.
Country Financial: $876 per year, or about $73 per month.
Oregon Mutual: $915 per year, or about $76 per month.

Cheapest auto insurance in Oregon for 30-year-old drivers with one at-fault crash

State Farm: $1,250 per year, or about $104 per month.
CIG: $1,557 per year, or about $130 per month.
QBE: $1,620 per year, or about $135 per month.
Oregon Mutual: $1,990 per year, or about $166 per month.
Country Financial: $2,092 per year, or about $174 per month.

Cheapest auto insurance in Oregon for 30-year-old drivers after a DUI

State Farm: $1,419 per year, or about $118 per month.
CIG: $1,709 per year, or about $142 per month.
American Family: $2,026 per year, or about $169 per month.
Progressive: $2,151 per year, or about $179 per month.
Country Financial: $2,202 per year, or about $184 per month.

Cheapest for 40-year-old drivers

Cheapest full coverage car insurance in Oregon for 40-year-olds

Drivers in Oregon with clean driving records may want to think about the following companies, which had the lowest average rates:

State Farm: $952 per year, or about $79 per month.
CIG: $1,135 per year, or about $95 per month.
QBE: $1,153 per year, or about $96 per month.
Country Financial: $1,358 per year, or about $113 per month.
Oregon Mutual: $1,447 per year, or about $121 per month.

Cheapest minimum coverage car insurance in Oregon for 40-year-olds

Drivers in Oregon who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

State Farm: $442 per year, or about $37 per month.
CIG: $484 per year, or about $40 per month.
QBE: $596 per year, or about $50 per month.
Country Financial: $610 per year, or about $51 per month.
Geico: $754 per year, or about $63 per month.

Cheapest auto insurance in Oregon for 40-year-olds with poor credit

Drivers with poor credit in Oregon can check out the following insurers with the lowest average rates for full coverage:

CIG: $1,594 per year, or about $133 per month.
QBE: $1,926 per year, or about $160 per month.
Oregon Mutual: $2,037 per year, or about $170 per month.
Country Financial: $2,218 per year, or about $185 per month.
State Farm: $2,334 per year, or about $194 per month.

Cheapest auto insurance in Oregon for 40-year-old drivers with one speeding ticket

State Farm: $500 per year, or about $42 per month.
CIG: $532 per year, or about $44 per month.
Country Financial: $814 per year, or about $68 per month.
Oregon Mutual: $863 per year, or about $72 per month.
QBE: $876 per year, or about $73 per month.

Cheapest auto insurance in Oregon for 40-year-old drivers with one at-fault crash

State Farm: $1,229 per year, or about $102 per month.
CIG: $1,421 per year, or about $118 per month.
QBE: $1,711 per year, or about $143 per month.
American Family: $1,897 per year, or about $158 per month.
Oregon Mutual: $1,898 per year, or about $158 per month.

Cheapest auto insurance in Oregon for 40-year-old drivers after a DUI

State Farm: $1,396 per year, or about $116 per month.
CIG: $1,562 per year, or about $130 per month.
American Family: $1,794 per year, or about $150 per month.
Country Financial: $2,017 per year, or about $168 per month.
Progressive: $2,041 per year, or about $170 per month.

Cheapest for 50-year-old drivers

Cheapest full coverage car insurance in Oregon for 50-year-olds

State Farm: $925 per year, or about $77 per month.
CIG: $1,101 per year, or about $92 per month.
QBE: $1,208 per year, or about $101 per month.
Country Financial: $1,308 per year, or about $109 per month.
American Family: $1,329 per year, or about $111 per month.

Cheapest minimum coverage car insurance in Oregon for 50-year-olds

State Farm: $438 per year, or about $36 per month.
CIG: $477 per year, or about $40 per month.
Country Financial: $602 per year, or about $50 per month.
QBE: $662 per year, or about $55 per month.
Geico: $693 per year, or about $58 per month.

Cheapest auto insurance in Oregon for 50-year-olds with poor credit

Drivers with poor credit in Oregon can check with the following companies, which showed the lowest average rates for full coverage:

CIG: $1,547 per year, or about $129 per month.
Oregon Mutual: $1,862 per year, or about $155 per month.
QBE: $1,997 per year, or about $166 per month.
Country Financial: $2,148 per year, or about $179 per month.
State Farm: $2,270 per year, or about $189 per month.

Cheapest auto insurance in Oregon for 50-year-old drivers with one speeding ticket

State Farm: $492 per year, or about $41 per month.
CIG: $523 per year, or about $44 per month.
Country Financial: $803 per year, or about $67 per month.
Oregon Mutual: $812 per year, or about $68 per month.
Geico: $869 per year, or about $72 per month.

Cheapest auto insurance in Oregon for 50-year-old drivers with one at-fault crash

State Farm: $1,195 per year, or about $100 per month.
CIG: $1,377 per year, or about $115 per month.
American Family: $1,735 per year, or about $145 per month.
Oregon Mutual: $1,804 per year, or about $150 per month.
Country Financial: $1,883 per year, or about $157 per month.

Cheapest auto insurance in Oregon for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

State Farm: $1,357 per year, or about $113 per month.
CIG: $1,513 per year, or about $126 per month.
American Family: $1,642 per year, or about $137 per month.
Progressive: $1,867 per year, or about $156 per month.
Country Financial: $1,938 per year, or about $162 per month.

Cheapest for 60-year-old drivers

Cheapest full coverage car insurance in Oregon for 60-year-olds

State Farm: $858 per year, or about $72 per month.
CIG: $1,046 per year, or about $87 per month.
QBE: $1,173 per year, or about $98 per month.
Country Financial: $1,265 per year, or about $105 per month.
American Family: $1,325 per year, or about $110 per month.

Cheapest minimum coverage car insurance in Oregon for 60-year-olds

State Farm: $405 per year, or about $34 per month.
CIG: $465 per year, or about $39 per month.
Country Financial: $598 per year, or about $50 per month.
QBE: $643 per year, or about $54 per month.
Geico: $693 per year, or about $58 per month.

Cheapest auto insurance in Oregon for 60-year-olds with poor credit

CIG: $1,470 per year, or about $122 per month.
QBE: $1,858 per year, or about $155 per month.
Oregon Mutual: $1,945 per year, or about $162 per month.
Country Financial: $2,092 per year, or about $174 per month.
State Farm: $2,108 per year, or about $176 per month.

Cheapest auto insurance in Oregon for 60-year-old drivers with one speeding ticket

State Farm: $455 per year, or about $38 per month.
CIG: $509 per year, or about $42 per month.
Country Financial: $797 per year, or about $66 per month.
Oregon Mutual: $845 per year, or about $70 per month.
Geico: $870 per year, or about $72 per month.

Cheapest auto insurance in Oregon for 60-year-old drivers with one at-fault crash

State Farm: $1,107 per year, or about $92 per month.
CIG: $1,317 per year, or about $110 per month.
American Family: $1,731 per year, or about $144 per month.
Country Financial: $1,847 per year, or about $154 per month.
QBE: $1,882 per year, or about $157 per month.

Cheapest auto insurance in Oregon for 60-year-old drivers after a DUI

State Farm: $1,258 per year, or about $105 per month.
CIG: $1,446 per year, or about $120 per month.
American Family: $1,636 per year, or about $136 per month.
Progressive: $1,806 per year, or about $150 per month.
Country Financial: $1,878 per year, or about $156 per month.

Cheapest for 70-year-old drivers

Cheapest full coverage car insurance in Oregon for 70-year-olds

State Farm: $915 per year, or about $76 per month.
CIG: $1,087 per year, or about $91 per month.
QBE: $1,250 per year, or about $104 per month.
Country Financial: $1,331 per year, or about $111 per month.
American Family: $1,459 per year, or about $122 per month.

Cheapest minimum coverage car insurance in Oregon for 70-year-olds

State Farm: $436 per year, or about $36 per month.
CIG: $487 per year, or about $41 per month.
Country Financial: $665 per year, or about $55 per month.
QBE: $724 per year, or about $60 per month.
Geico: $794 per year, or about $66 per month.

Cheapest auto insurance in Oregon for 70-year-olds with poor credit

CIG: $1,523 per year, or about $127 per month.
QBE: $1,911 per year, or about $159 per month.
Country Financial: $2,231 per year, or about $186 per month.
State Farm: $2,248 per year, or about $187 per month.
Nationwide: $2,472 per year, or about $206 per month.

Cheapest auto insurance in Oregon for 70-year-old drivers with one speeding ticket

State Farm: $491 per year, or about $41 per month.
CIG: $536 per year, or about $45 per month.
Country Financial: $888 per year, or about $74 per month.
Geico: $1,001 per year, or about $83 per month.
Nationwide: $1,104 per year, or about $92 per month.

Cheapest auto insurance in Oregon for 70-year-old drivers with one at-fault crash

State Farm: $1,185 per year, or about $99 per month.
CIG: $1,386 per year, or about $116 per month.
American Family: $1,943 per year, or about $162 per month.
Country Financial: $2,006 per year, or about $167 per month.
Nationwide: $2,121 per year, or about $177 per month.

Cheapest auto insurance in Oregon for 70-year-old drivers after a DUI

State Farm: $1,347 per year, or about $112 per month.
CIG: $1,527 per year, or about $127 per month.
American Family: $1,824 per year, or about $152 per month.
Country Financial: $2,005 per year, or about $167 per month.
Progressive: $2,219 per year, or about $185 per month.

Frequently Asked Questions about Oregon Car Insurance Laws

1. What are the minimum car insurance requirements in Oregon?

Oregon requires all drivers to carry the following minimum levels of insurance coverage:

Bodily Injury Liability: $25,000 per person and $50,000 per accident
Property Damage Liability: $20,000 per accident
Personal Injury Protection (PIP): $15,000 per person
Uninsured Motorist Bodily Injury: $25,000 per person and $50,000 per accident

These minimum requirements ensure that drivers have financial responsibility in the event of an accident.

2. What is Bodily Injury Liability coverage?

Bodily Injury Liability coverage protects you if you're found responsible for an accident that results in injuries to other parties. This coverage pays for medical expenses, lost wages, and other related costs incurred by the injured parties. The minimum requirement in Oregon is $25,000 per person and $50,000 per accident.

3. What is Property Damage Liability coverage?

Property Damage Liability coverage pays for damage you cause to another person's property while operating your vehicle. This includes damage to other vehicles, buildings, and public property. The minimum requirement in Oregon is $20,000 per accident.

4. What is Personal Injury Protection (PIP)?

Personal Injury Protection (PIP) is a form of no-fault insurance that covers medical expenses, lost wages, and other related costs for you and your passengers, regardless of who is at fault in an accident. In Oregon, drivers are required to carry a minimum of $15,000 in PIP coverage per person.

5. What is Uninsured Motorist Bodily Injury coverage?

Uninsured Motorist Bodily Injury coverage protects you and your passengers if you're involved in an accident with an uninsured driver. This coverage pays for medical expenses and lost wages resulting from the accident. The minimum requirement in Oregon is $25,000 per person and $50,000 per accident.

6. Is Underinsured Motorist coverage required in Oregon?

No, underinsured motorist coverage is not required in Oregon. However, it's a valuable coverage option that can protect you if you're involved in an accident with a driver who has insufficient insurance to cover your expenses.

7. What are the penalties for driving without insurance in Oregon?

Driving without insurance in Oregon can result in penalties, including fines, license suspension, and vehicle impoundment. Fines can range from $130 to $1,000, depending on the circumstances. Repeat offenders may face higher fines, longer license suspensions, and vehicle impoundment.

8. How is fault determined in an Oregon car accident?

Oregon operates under a modified comparative negligence system. This means that fault in an accident can be shared among multiple parties, and each party's percentage of fault determines their financial responsibility for damages. If you're found to be more than 50% at fault for an accident, you may be unable to recover damages from the other party.

9. How does Oregon's Personal Injury Protection (PIP) coverage work?

Oregon's PIP coverage provides no-fault benefits for medical expenses, lost wages, and other related costs incurred by you and your passengers after an accident, regardless of who is at fault. PIP benefits are paid by your own insurance company and can be accessed without having to file a claim against another driver's insurance.

10. Can I sue the other driver if I'm injured in an accident in Oregon?

Yes, you can sue the other driver if you're injured in an accident in Oregon. However, you must first exhaust your PIP benefits and meet specific thresholds, such as incurring over $5,000 in medical expenses