Key Takeaways
- Bristol West, Dairyland, Safeco and Progressive offer some of the cheapest car insurance in Oregon.
- The average cost of minimum coverage in Oregon is around $180 per month.
- Compare quotes from multiple insurers to find cheap car insurance in Oregon.
If you’re looking for cheap car insurance in Oregon, consider insurers like Bristol West, Dairyland, Safeco and Progressive. These companies were among the cheapest options in the state, according to real quotes for Jerry customers.
Here are more affordable insurers in Oregon for both minimum and full coverage, plus by age, driving history and credit score.
To find the best car insurance in Oregon, compare car insurance quotes from multiple insurers.
Cheap liability car insurance in Oregon
Here are the most affordable car insurance companies in Oregon for minimum coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $101 | $1,210 |
| Progressive | $160 | $1,922 |
| Dairyland | $175 | $2,100 |
| Gainsco | $184 | $2,209 |
| National General | $199 | $2,394 |
| Bristol West | $205 | $2,463 |
| The General | $208 | $2,492 |
| Kemper | $236 | $2,831 |
| Root | $241 | $2,890 |
Car insurance requirements in Oregon
These are Oregon’s minimum car insurance requirements:
- Liability for bodily injury and property damage includes $25,000 per person, $50,000 per crash for injuries to others, and $20,000 per crash for damage to others’ property.
- Personal injury protection of $15,000 per person.
- Uninsured motorist coverage of $25,000 per person and $50,000 per crash for bodily injuries caused by an uninsured driver.
Cheap full coverage car insurance in Oregon
Here are the most affordable insurers in Oregon for full coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Trexis | $122 | $1,468 |
| Progressive | $198 | $2,380 |
| Safeco | $208 | $2,492 |
| Aspire Advantage | $230 | $2,756 |
| Gainsco | $293 | $3,514 |
| Dairyland | $338 | $4,056 |
| Root | $344 | $4,123 |
| National General | $355 | $4,263 |
| Mendota | $372 | $4,461 |
| Kemper | $377 | $4,521 |
If you have a loan or lease on your vehicle, the lender will require
Average car insurance costs for young drivers in Oregon
Below are the average costs of car insurance in Oregon for drivers between 18 and 24.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $351 | $4,212 |
| 21-24 | $368 | $4,419 |
Cheap liability car insurance in Oregon for a 20-year-old
These are the cheapest car insurance companies in Oregon for 20-year-olds with minimum coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Dairyland | $250 | $2,997 |
| Progressive | $272 | $3,268 |
| Root | $290 | $3,477 |
| The General | $339 | $4,066 |
| Bristol West | $342 | $4,103 |
Cheap full coverage in Oregon for a 20-year-old
These are the cheapest car insurance companies in Oregon for 20-year-olds with full coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $286 | $3,428 |
| Root | $435 | $5,224 |
| Dairyland | $483 | $5,800 |
| Gainsco | $517 | $6,200 |
| The General | $556 | $6,672 |
Average auto insurance costs for mature drivers in Oregon (25-54)
Below are the average costs of car insurance for drivers in Oregon between the ages of 25 to 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $278 | $3,336 |
| 35-44 | $212 | $2,550 |
| 45-54 | $222 | $2,662 |
Cheapest liability car insurance in Oregon for a 35-year-old
Here are the most affordable insurers in Oregon for 35-year-olds with minimum coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $89 | $1,068 |
| Safeco | $90 | $1,083 |
| Gainsco | $103 | $1,237 |
| Progressive | $108 | $1,293 |
| The General | $144 | $1,724 |
Cheapest full coverage in Oregon for a 35-year-old
Here are the most affordable insurers in Oregon for 35-year-olds with full coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $168 | $2,018 |
| Safeco | $216 | $2,591 |
| Gainsco | $243 | $2,918 |
| Bristol West | $276 | $3,312 |
| Dairyland | $278 | $3,338 |
Average car insurance costs for older drivers in Oregon (55+)
Below are the average costs of car insurance for drivers in Oregon 55 and older.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $173 | $2,077 |
| 65+ | $185 | $2,220 |
Cheapest liability car insurance in Oregon for a 65-year-old
These are the cheapest car insurance companies in Oregon for 65-year-olds with minimum coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $137 | $1,645 |
| National General | $156 | $1,867 |
| Bristol West | $171 | $2,053 |
| Dairyland | $172 | $2,059 |
| The General | $208 | $2,492 |
Cheapest full coverage in Oregon for a 65-year-old
Here are the most affordable insurers in Oregon for 65-year-olds with full coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $174 | $2,091 |
| Bristol West | $224 | $2,690 |
| Gainsco | $232 | $2,788 |
| The General | $277 | $3,324 |
| Dairyland | $287 | $3,442 |
Cheapest car insurance in Oregon by driving history
Your driving history affects how much you pay for an auto insurance policy. If you have a clean record, you’ll likely pay less than a driver with a violation like a speeding ticket or at-fault accident.
Cheap car insurance for drivers with clean records in Oregon
Below are the cheapest auto insurers in Oregon for drivers with clean driving records.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Anchor General | $70 | $846 |
| Aspire Advantage | $84 | $1,003 |
| Trexis | $122 | $1,468 |
| Safeco | $151 | $1,814 |
| Progressive | $156 | $1,874 |
Cheapest car insurance with a speeding ticket in Oregon
Here are the most affordable insurers in Oregon for those with a speeding ticket, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $185 | $2,225 |
| Safeco | $209 | $2,505 |
| Gainsco | $241 | $2,897 |
| Root | $253 | $3,034 |
| The General | $282 | $3,384 |
Cheapest car insurance after an at-fault accident with no injury in Oregon
These are the cheapest car insurance companies in Oregon for drivers with an at-fault accident with no injury, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $136 | $1,634 |
| Safeco | $204 | $2,449 |
| Progressive | $207 | $2,486 |
| Gainsco | $234 | $2,810 |
| Dairyland | $267 | $3,202 |
Cheapest auto insurance after an at-fault accident with injury in Oregon
These are the cheapest car insurance companies in Oregon for drivers with an at-fault accident with injury, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $178 | $2,138 |
| Gainsco | $225 | $2,701 |
| National General | $295 | $3,542 |
| Dairyland | $327 | $3,926 |
| Bristol West | $343 | $4,121 |
Cheapest car insurance with a DUI in Oregon
These are the cheapest car insurance companies in Oregon for drivers with a DUI, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Mercury | $76 | $912 |
| Progressive | $131 | $1,576 |
| Dairyland | $145 | $1,738 |
| Kemper | $174 | $2,082 |
| Safeco | $183 | $2,196 |
Average auto insurance costs for Oregon drivers with other violations
Below are average car insurance costs in Oregon for other driving violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $352 | $4,227 |
| Cell Phone | $211 | $2,537 |
| Defective Equipment | $307 | $3,687 |
| Driving on Sus. License | $173 | $2,074 |
| Eluding Police | $254 | $3,044 |
Cheapest auto insurance for low credit scores in Oregon
Oregon drivers with low credit scores will likely have more expensive insurance costs than those with higher scores. Below are the most affordable insurers in Oregon for drivers with a credit score below 550.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Anchor General | $70 | $838 |
| Aspire Advantage | $98 | $1,179 |
| Progressive | $185 | $2,223 |
| Safeco | $196 | $2,354 |
| Gainsco | $219 | $2,630 |
Learn more: How a credit-based insurance score works
How to find cheap car insurance in Oregon
Compare quotes from multiple insurers to find the cheapest car insurance policy. Your current insurer may have been the most affordable when you bought your policy, but you can’t be certain unless you compare rates at least once a year.
You can also try these tips to lower your auto insurance costs:
- Ask your insurer about discounts you qualify for.
- Install a telematics app on your phone.
- Improve your credit score.
- Pay your policy in full.
- Bundle your home and car insurance policies with the same company.
More: Best car insurance companies
Factors that affect car insurance costs in Oregon
How much you pay for coverage depends on a variety of factors, including your:
- ZIP code.
- Driving history.
- Vehicle’s year, make, and model.
- Claims history.
- Car usage and miles driven.
- Deductible amount.
More: How car insurance rates are calculated
Methodology
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.
