Best Car Insurance in Oregon for August 2025

Jerry Summary

Geico offers the best car insurance in Oregon, according to Jerry’s editorial analysis, thanks to its strong financial strength rating and minimal customer complaints. Pemco Insurance earns an honorable mention due to its high customer satisfaction. You can get the best car insurance in Oregon by comparing quotes from multiple insurance companies.

Jerry’s editorial team thoroughly evaluated 29 auto insurance companies to find the best car insurance in Oregon. Jerry’s star ratings are based on factors like financial strength ratings, complaints to state regulators and customer satisfaction.

These are the best car insurance companies in Oregon:

• Geico: Best car insurance overall.
• Pemco Insurance: Honorable mention.

If you need cheap car insurance in Oregon, be sure to compare quotes from multiple insurers to get the best rate.

• Why you can trust Jerry’s editorial content

  Jerry’s editorial content is created, edited and fact-checked by licensed insurance agents, automotive professionals and experienced journalists. Facts are thoroughly researched, independently verified and routinely updated. Our editorial team is independent, meaning our content is free from partner influence. All insights drawn from Jerry’s proprietary customer auto insurance quotes data provide unique, real-world guidance.

Best car insurance in Oregon overall: Geico

5.0

Jerry’s Score

Our Take

Geico 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.

4.7

Jerry’s Score

Our Take

Nationwide auto insurance rewards loyalty and good driving behavior. The insurer offers a mileage-based policy that may help those who don’t frequently travel far save on premium costs.

4.7

Jerry’s Score

Our Take

Allstate car insurance allows drivers to tailor their policies based on their needs and driving habits, however customer service scores are below average.

4.6

Jerry’s Score

Our Take

Progressive offers customizable car insurance policies with many discount opportunities. Though the insurer is ranked below average in customer satisfaction by J.D. Power, Jerry customers give Progressive high marks.

4.6

Jerry’s Score

Our Take

Farmers Insurance offers customizable policies with many discount opportunities, and Jerry customers gave it a moderately high score.

4.6

Jerry’s Score

Our Take

American Family has few customer complaints and offers customizable policies with plenty of ways to save, but scored below average in a J.D. Power customer satisfaction study.

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

Anchor General offers the best full coverage car insurance rates in Oregon, according to Jerry’s data analysis, with an average cost of $161 per month.

Below are the best full coverage car insurance options in Oregon, according to quotes for real Jerry customers.

Choosing the best full coverage car insurance often comes down to the insurance company itself. Beyond just the policy details, consider how reliable and supportive the insurer is when you need them most. Companies with strong customer service, efficient claims processes and positive reviews from drivers are the best choice. Be sure to research customer experiences and read car insurance reviews to help you feel confident in the company you go with.

Best car insurance for teen drivers in Oregon

Geico offers the best car insurance rates for teen drivers in Oregon, according to Jerry’s data analysis, with an average cost of $253 per month.

Here are the best car insurance rates for teens in Oregon.

The best car insurance for a teen driver often comes from companies that reward good habits. Many insurers offer discounts for teens who maintain good grades, complete driver safety courses or opt into telematics programs that track safe driving behaviors. Choosing a policy that encourages responsible driving not only helps keep a teen safe on the road, but should also keep the policy more affordable over time.

Learn more: How much is car insurance for a 16-year-old?

Best car insurance for young drivers under 25 in Oregon

Geico offers the best car insurance rates for young drivers in Oregon, according to Jerry’s data analysis, with an average cost of $212 per month.

Below are the best options for drivers under 25 in Oregon, according to quotes for real Jerry customers.

Young drivers under 25 can benefit from policies that reward safe and responsible behavior, since younger drivers are viewed as risky to insure. Many insurers offer discounts for maintaining a clean driving record, completing driver education courses or opting into telematics programs that monitor driving habits. Choosing a policy that encourages and recognizes good driving can not only improve safety on the road but also potentially lower premiums over time.

Learn more: Car insurance for college students

Best car insurance for seniors in Oregon

National General offers the best car insurance rates for drivers over 65 in Oregon, with an average cost of $141 per month, according to Jerry’s data analysis.

These are the best car insurance companies in Oregon for drivers over 65.

Drivers over 65 can find the best car insurance by choosing a policy that aligns with their driving habits. Seniors who don’t drive many miles can consider pay-per-mile car insurance, which can be a more affordable option for people who rarely drive. Many insurers also offer discounts to seniors who complete a defensive driving course, which not only sharpens driving skills but can also lower rates.

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:

1. 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.
2. 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.
3. 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.

MEET OUR EXPERTS

Ben Moore

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.

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Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

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