The best car insurance in Oregon comes from providers with high financial strength ratings and few complaints. According to Jerry’s editorial analysis, Geico is the best car insurance company in Oregon overall. Here’s what to know about the best insurers in the state.
If you need cheap car insurance in Oregon, be sure to compare quotes from multiple insurers to get the best rate.
Best car insurance in Oregon overall: Geico
5.0Jerry’s ScoreOur TakeGeico car insurance includes many policy discounts and is available in all 50 states. This is a solid option for good drivers seeking a stable insurer.
Why it’s the best: Geico receives 5 stars from Jerry due to its superior financial strength rating and few customer complaints.
Oregon drivers can get a discount for being a safe driver or insuring a student with good grades. You may also get a discount if you opt into Geico’s telematics program, DriveEasy, and practice safe driving behavior. Drivers over 50 who complete a qualifying defensive driving course may also get a discount.
Geico’s highly rated mobile app lets drivers manage their policy, access ID cards, request roadside assistance, estimate vehicle repairs costs and request a quote. You can also get a quote in person from Geico agents across the state, including Eugene and Portland.
More of the best Oregon insurers
The following companies are also among the best car insurance providers in Oregon.
Honorable mention: Pemco Insurance
While not yet rated by Jerry, Pemco Insurance was ranked No. 1 out of 11 insurers for overall customer satisfaction in the Northwest region, according to J.D. Power’s 2024 Auto Insurance Study. This study ranks insurance companies based on factors like cost and consumer trust.
Oregon drivers can customize a Pemco auto policy with rental reimbursement and roadside assistance, plus coverage for custom equipment, pets and key replacement. If you’re insured by Pemco for at least five years without an accident, your premium won’t increase after your first accident or ticket.
Pemco offers a multitude of discounts to Oregon customers, including savings for:
- Bundling policies.
- Being a customer for at least one year.
- Driving fewer than 8,000 miles per year.
- Owning a home, mobile home or condo.
- Insuring a new vehicle no older than five model years.
- Paying your premium in full.
- Working for a school, college or university.
- Full-time students aged 16 to 24, with a GPA of 3.0 or higher.
- Students away at school without a car.
- Drivers 55 or older who take a certified defensive driving course.
- Being insured by Pemco on someone else’s policy and switching to your own Pemco auto policy.
- Enrolling in Pemco’s telematics program, Pemcodomoter, and practicing safe driving habits.
Best full coverage car insurance in Oregon
Below are the best full coverage car insurance options in Oregon, according to quotes for real Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Trexis | $122 |
| Progressive | $198 |
| Safeco | $207 |
| Aspire Advantage | $230 |
| Gainsco | $296 |
Best car insurance for teen drivers in Oregon
Here are the best car insurance rates for teens in Oregon.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Dairyland | $280 |
| Root | $288 |
| Progressive | $337 |
| Bristol West | $374 |
| The General | $411 |
Learn more: How much is car insurance for a 16-year-old?
Best car insurance for young drivers under 25 in Oregon
Below are the best options for drivers under 25 in Oregon, according to quotes for real Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Safeco | $157 |
| Progressive | $294 |
| Root | $338 |
| Dairyland | $340 |
| Gainsco | $350 |
Learn more: Car insurance for college students
Best car insurance for seniors in Oregon
These are the best car insurance companies in Oregon for drivers over 65.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Progressive | $132 |
| Safeco | $154 |
| Gainsco | $186 |
| The General | $188 |
| Bristol West | $189 |
Learn more: Car insurance for seniors
How to get the best car insurance in Oregon
Follow these tips to find the best car insurance in Oregon:
- Determine your coverage needs. Each person has a unique financial situation, so determine how much car insurance you need to protect your wallet. For example, full coverage pays for damage to your own car, up to its market value. If you drive a new vehicle, you probably need full coverage. If you lease or finance your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
- Research insurance companies. Sites like Jerry collect customer reviews and formally review insurers so that you can check their reputations and know what to expect before buying a policy.
- Compare quotes. Once you’ve narrowed your search to a few companies, get quotes from all of them, and be sure you use the same coverage limits when shopping. This will show you which insurer offers the cheapest car insurance for the coverage you need.
Methodology
Jerry’s team of car insurance experts has assessed more than 50 car insurers and rated dozens of them using information like their financial strength, consumer complaints, pricing and online reputation. We chose the best insurers by reviewing their star ratings, state availability, coverage customizations and discount offerings.
We regularly fact-check and update insurer reviews and ratings, and reassess our star ratings annually. This list is subject to change as insurers’ offerings and our methodology for assessing them evolve.
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
