Find the Best Car Insurance Quotes & Options in Oregon
The average cost of car insurance in Oregon currently is $1,211 per year. This is exactly $100 less than the current national average of $1,311 per year. So, since Oregon's drivers can save a bit on their car insurance in comparison, it should be easier to get a comprehensive policy that includes more than the state's bare minimum coverages. Having a more complete car insurance policy can help drivers get reimbursed after a disaster.
An Oregon independent insurance agent can help you put together the exact kind of car insurance policy you need. They'll get you set up with all the coverage required. But up first, here's an extensive breakdown of car insurance in Oregon.
Best Car Insurance Companies in Oregon
Skipping ahead to just the best car insurance companies in Oregon when you need the right coverage is the way to go. Don't waste your time looking through dozens of car insurance carriers when you don't have to. We've put together a list of only the top Oregon car insurance carriers, and broken it down by category and type, including the best for minimum liability coverage, full coverage, young drivers, drivers with accident histories, and the best overall. Here are our top picks for Oregon car insurance.
- Best Oregon car insurance company overall: Travelers
- Best Oregon car insurance company for minimum liability: Travelers
- Best Oregon car insurance company for full coverage: Travelers
- Best Oregon car insurance company for young drivers: Country Financial
- Best Oregon car insurance company for married drivers: Country Financial
- Best Oregon car insurance company for accident history: Country Financial
An Oregon independent insurance agent can help you get set up with car insurance from one of these top-rated local carriers.
Best Oregon Car Insurance Company Overall: Travelers
Our winner for the best Oregon car insurance company overall goes to Travelers. Travelers offers tons of insurance options, an extensive history of excellent financial strength, positive customer feedback, tons of discounts, and 24/7 claims reporting. A "full coverage" auto insurance policy from Travelers starts at just $1,128 annually in Oregon.
Founded in 1853, Travelers is among the oldest insurance carriers in the nation. Travelers offers its policies through a network of independent insurance agents. The insurance carrier's independent agent network is about 13,500 agents strong and extends through the United States, Canada, the United Kingdom, and Ireland.
Travelers' impressive history and massive reach led to a reputation as a reliable and stable company. AM Best, the leading global credit rating agency monitoring the insurance industry, gives Travelers the highest possible rating of "A++" in terms of financial strength.
| Average Monthly Insurance Cost: Full Coverage Policy | Average Annual Insurance Cost: Full Coverage Policy |
| $94 | $1,128 |
Best Oregon Car Insurance Company for Minimum Liability: Travelers
Our winner for the best Oregon car insurance company for minimum liability coverage only goes to Travelers. Drivers who are only interested in satisfying the state's minimum coverage requirements can easily get a policy from this carrier. A minimum liability-only car insurance policy from Travelers starts at about $472 per year in Oregon.
| Average Monthly Insurance Cost: Minimum Liability | Average Annual Insurance Cost: Minimum Liability |
| $39 | $472 |
Best Oregon Car Insurance Company for Full Coverage: Travelers
Our winner for the best Oregon car insurance company for full coverage goes to Travelers. Though "full coverage" is not an insurance industry term, customers often use it when looking for a policy that includes liability coverage as well as extras like collision and comprehensive. A full coverage auto policy from Travelers starts at about $94 per month in Oregon.
| Average Monthly Insurance Cost: Full Coverage Policy | Average Annual Insurance Cost: Full Coverage Policy |
| $94 | $1,128 |
Best Oregon Car Insurance Company for Young Drivers: Country Financial
Our winner for the best Oregon car insurance company for young drivers is Country Financial. Country Financial provides the most affordable coverage for teen drivers in the entire state. A car insurance policy for teens from Country Financial starts at about $102 per month for minimum coverage and $199 per month for full coverage in Oregon.
Founded in 1925, Country Financial has nearly a century's worth of experience behind it. The carrier offers many types of insurance for individuals and businesses. Coverage is currently only offered in 19 states.
Country Financial owns Country Life Insurance Company as well as its subsidiary, Country Investors Life Assurance Company. These carriers together currently have more than $70 billion of insurance in force. Country Financial has also been ranking on the Fortune 1000 list consistently for nearly 20 years. AM Best gives Country Financial an "A+" or excellent rating for financial strength.
| Average Monthly Insurance Cost: Families with Teen Drivers | Average Annual Insurance Cost: Families with Teen Drivers |
| $199 | $2,388 |
| Average Monthly Insurance Cost: Minimum Coverage for Teen Drivers | Average Annual Insurance Cost: Minimum Coverage for Teen Drivers |
| $102 | $1,224 |
Best Oregon Car Insurance Company for Married Couples: Country Financial
Our winner for the best Oregon car insurance company for married drivers is Country Financial. Country Financial provides the most affordable coverage for married drivers in the state. Car insurance rates for married drivers in Oregon from Country Financial start at about $180 (or $90 per car) per month.
| Average Monthly Insurance Cost: Married Drivers | Average Annual Insurance Cost: Married Drivers |
| $180 | $2,160 |
Best Oregon Car Insurance Company for Accident History: Country Financial
Our winner for the best Oregon car insurance company for drivers with accidents on their records is Country Financial. Country Financial provides the most affordable coverage for drivers with an accident history in the state. In Oregon, a car insurance policy for drivers with prior incidents on record starts at about $153 through Country Financial.
| Average Monthly Insurance Cost: Drivers with Poor Records | Average Annual Insurance Cost: Drivers with Poor Records |
| $153 | $1,836 |
Oregon Car Insurance Requirements
Like all states, Oregon has its own set of requirements for car insurance. If a driver fails to provide proof of car insurance, they can face state penalties like fines, jail time, or worse. Here are the minimum state-required types of car insurance in Oregon.
- Bodily injury liability: In Oregon, this coverage is required in the amounts of $25,000 per person and $50,000 per accident. Coverage pays the costs of medical treatment to another driver and their passengers after an accident you're at fault for.
- Property damage liability: In Oregon, this coverage is required in the amount of $20,000 per accident. Coverage pays the costs of repairs to a third party's personal property, like a vehicle, fences, etc., if you damage it with your car.
- Uninsured motorist coverage: In Oregon, this coverage is required in the amount of $25,000 per person and $50,000 per accident. Coverage pays for damage to your vehicle or medical treatments if another driver causes a collision and doesn't have any or enough insurance of their own.
- Personal injury protection: In Oregon, this coverage is required in the amount of $15,000. Coverage can pay for your own medical expenses after an accident you're at fault for.
Optional car insurance in Oregon:
- Rental car reimbursement: Coverage can pay for a rental vehicle after a covered accident.
- Roadside assistance: Coverage can pay for towing and other roadside services if you break down on the side of the road.
- Gap coverage: Coverage can pay the difference between what your vehicle is worth and what you owe on your remaining vehicle loan after a collision.
- Comprehensive: Coverage can pay for costs after incidents other than collision, including incidents with large animals, windshield breaks, and more.
- Collision: Pays for damage to your car from a collision with another driver, regardless of fault.
An Oregon independent insurance agent can help you select the kinds of car insurance you need for your policy.
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Average Cost of Car Insurance in Oregon
Oregon's current average cost of car insurance is $1,211 per year, which is a bit less than the national average of $1,311. Oregon overall ranks number 30 in the country for most expensive car insurance rates. Keep in mind that car insurance prices are impacted by a number of different factors, including your car insurance company, the coverages you buy, your driving record, your credit score, etc. Full coverage in Oregon starts at about $94 per month from more affordable carriers like Travelers.
Average Oregon Car Insurance Costs by City
The cost of a car insurance policy is also impacted by the city you live in due to local crime rates, local traffic rates, the town's risk of severe weather, local car prices, and more. Drivers in Bend pay only about $944 annually for car insurance, which is the lowest average cost in the state. But drivers in Portland pay about $1,581 annually for car insurance, which is the highest average cost in the state by far.
Finding Car Insurance Discounts in Oregon
Your car insurance costs can come down considerably after applying a couple of discounts. The discounts offered for car insurance vary by carrier, but there are some that are commonly offered by most insurance companies. Keep in mind that your Oregon independent insurance agent will be on the lookout for these common car insurance discounts for you:
- Student driver discounts: Applied to drivers who live in households with a student driver.
- Military discounts: Applied to active or even retired military members.
- Safe driver discounts: Applied to drivers who have a clean track record with no accidents or traffic violations over the past few years.
- Anti-theft devices: Applied to drivers who have vehicles equipped with anti-theft devices that increase security, such as an alarm.
- Paperless billing: Applied to drivers who sign up for paperless billing statements.
- Other discounts: Applied if a driver belongs to a certain organization such as a union, group, or the government, or is a teacher, they may earn an additional discount on car insurance premiums.
An Oregon independent insurance agent can add any discounts you qualify for to your coverage to help you save the most money possible.
How to Find the Best Car Insurance Quote in Oregon
An Oregon independent insurance agent is your greatest ally when it comes to finding the best Oregon car insurance quote. A local agent can browse car insurance policies from tons of different carriers for you. Afterward, they'll give you only the best options in terms of quality and cost. Independent insurance agents in Oregon make it extremely simple to obtain the best car insurance quote.
How to File a Car Insurance Claim in Oregon
Filing a car insurance claim in Oregon is a process that only involves a few steps. Though your agent can handle claims for you, you can also follow this simple guide. Keep these few easy steps in mind if you ever have to file an Oregon car insurance claim:
- Report it ASAP: Car accidents must be reported to the cops ASAP, ideally from the scene.
- Seek medical treatment: Any injured parties must get the medical attention they deserve right away, too.
- Call your independent insurance agent: An Oregon independent insurance agent can handle the entire claims process for you if you prefer.
- Schedule a rental car: If you're in need of a rental car while yours undergoes repairs, you'll arrange for that with your carrier.
- Schedule an adjuster visit: Last, it's time to schedule a visit with an adjuster from your car insurance company to evaluate your vehicle's damage and claim amount.
An Oregon independent insurance agent can call your carrier directly and file your car insurance claim for you. But if you prefer to take matters into your own hands, follow this easy guide to report your claim.
How does your city measure up to the national average?
National average time spent commuting 26.9 Min
National average car thefts per 1,000 2.3 Year
National average car insurance cost $1,311 Year
| City | Commute time (min) | Auto theft rate / 1,000 | Annual insurance cost |
| Albany | 20.8 | 1.76 | $1,165 |
| Beaverton | 25.2 | 2.02 | $1,244 |
| Bend | 16.1 | 1.05 | $944 |
| Corvallis | 16.8 | 1.2 | $998 |
| Eugene | 18.6 | 3.5 | $1,185 |
| Grants Pass | 14.9 | 3.28 | $1,279 |
| Gresham | 29.9 | 9.42 | $1,294 |
| Hillsboro | 23.8 | 1.9 | $1,208 |
| Keizer | 22.4 | 1.55 | $1,228 |
| Lake Oswego | 24.9 | 1.15 | $1,093 |
| Medford | 16.5 | 4.34 | $1,199 |
| Portland | 26.5 | 9.71 | $1,581 |
| Salem | 22.9 | 4.79 | $1,411 |
| Springfield | 21 | 2.66 | $1,173 |
| Tigard | 24.9 | 2.07 | $1,201 |
Popular Questions about Oregon Car Insurance
In Oregon, the annual average cost of car insurance is $1,211, or about $100.92 per month.
What your Oregon car insurance covers depends on the coverages you select when you buy your policy. However, you'll need at least bodily injury liability, property damage liability, personal injury protection, and uninsured motorist coverage.
Oregon requires all drivers to carry at least these types and amounts of car insurance:
- $25,000 of bodily injury liability per person
- $50,000 of bodily injury liability per accident
- $20,000 of property damage liability
- $25,000 of uninsured motorist coverage per person
- $50,000 of uninsured motorist coverage per accident
- $15,000 of personal injury protection
Yes, you cannot register a car in Oregon without providing proof of car insurance.
Our research found that Travelers and Country Financial are the best car insurance companies in Oregon currently. These carriers were selected based on coverage rates, discount options, policies offered, customer reviews, financial strength ratings, and more.
Yes, you can purchase a car and get car insurance without having a license in Oregon.
A reported 12.7% of Oregon drivers are uninsured, which is slightly less than the current national average of 13%.
No, Oregon is actually an "at-fault" or "tort" state when it comes to car insurance, meaning the at-fault driver is required to pay for the damage to another party and their property after an accident.
Driving without car insurance in Oregon can lead to fines of $265, and if it's taken to court, drivers can be ordered to pay between $135 and $1,000 additional. Driver's license and registration can also be suspended, and your vehicle may face impoundment. The reinstatement fee for a driver's license is $75.
No, Oregon is not one of the few states that allows you to self-insure your car. Car insurance must be purchased through a carrier.