Good news for Oregon drivers: Jerry’s latest data shows that liability coverage in the Beaver State averages about $129 per month. Oregon is an at-fault state with mandatory personal injury protection (PIP), which means insurers must price in both injury risk and medical coverage when setting premiums. In the past year we’ve helped 9,244 Oregonians lower their costs, and those who switch with Jerry save an average of $940 annually without giving up essential protection.
Jerry compares quotes from up to 11 trusted insurers in Oregon to help you build a policy and secure your best price in minutes.
Save on Oregon insurance with Jerry.
What Oregon drivers are paying right now
Insurance costs in Oregon are more dynamic than you might expect. PIP claims, repair costs, dense traffic in Portland, wildfire-related damage and even coastal travel patterns all influence what you pay. Two drivers with identical cars and clean records can still see very different premiums depending on where they live, from the Willamette Valley to Bend to the Rogue Valley.
Jerry tracks live quotes across Oregon to show you what drivers are actually paying today. Below are recent full coverage policies purchased through Jerry and their monthly prices.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Key takeaway: Check your rates regularly. In Oregon, everything from seasonal travel surges to medical cost trends can push your renewal price up or down.
4 smart ways Jerry helps Oregon drivers save on car insurance
Saving money isn’t just about finding the lowest sticker price. The best results come from understanding what actually shapes your Oregon premium and adjusting only what makes sense.
Jerry makes that easy by comparing real offers, surfacing discounts you may not know about and showing you exactly where you can get meaningful savings without compromising coverage.
Here are our top tips to help you spend less and worry less.
| How to save | Average Oregon driver savings |
|---|---|
| Compare quotes | 40% to 53% |
| Stack discounts | 21% to 31% |
| Pick the right deductible | 13% to 71%* |
| Avoid coverage lapses | 20% |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Oregon’s pricing varies dramatically between insurers. Heavy congestion on Portland freeways, rising repair costs, wildfire smoke claims and a high volume of small collisions in rainy conditions all influence how companies calculate risk. Since each insurer weighs these factors differently, your cheapest quote could easily be half the cost of your most expensive.
Comparing offers through Jerry is the quickest way to avoid overspending.
Here’s where Oregon drivers who saved most often switched after checking their rates with Jerry:
| Insurance carrier | Oregon drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 64% | 39% |
| The General | 14% | 32% |
| Bristol West | 7% | 25% |
| Gainsco | 7% | 2% |
| Root | 7% | 34% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Why it matters: Two drivers in the same city can pay very different rates depending on their ZIP code. Jerry shows you these differences instantly so you can choose confidently.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Most Oregon drivers qualify for several discounts, but insurers often overlook or fail to apply them automatically. Savings can come from safe-driver incentives, multi-policy bundles, hybrid-vehicle discounts, good-student credits and anti-theft devices, which are especially helpful in Portland where car theft rates run above national averages.
Jerry identifies the discounts you qualify for so savings don’t get missed.
Key takeaway: Stacking discounts often delivers more impact than adjusting your deductible.
Jerry Agent Tip 3: Pick the right deductible
Your deductible plays a major role in your premium. Oregon drivers face everything from wildfire debris damage to wet-weather collisions to high repair costs in urban areas, so choose a deductible you can comfortably afford if an unexpected claim comes up.
Here’s what Jerry drivers chose for their deductibles in the past year:
To find your ideal deductible:
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Review your car’s current value (Jerry updates this monthly).
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Pick an amount you can realistically cover out of pocket.
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Compare how each deductible level changes your rate in real time.
The Jerry difference: Jerry shows multiple deductible options instantly so you can choose the best balance of affordability and protection.
Jerry Agent Tip 4: Avoid a lapse in coverage
A gap in insurance coverage follows you for years. Jerry data shows that Oregon drivers who let their policy lapse pay 16% more on average once they reinstate coverage. That penalty applies even if the lapse was short.
The key is choosing a policy you can consistently maintain, not just one that’s cheapest on day one but unsustainable later. Jerry helps by showing you real-time pricing across multiple coverage levels so you can pick something that fits your monthly budget and keeps your history clean.
Once you’re covered, Jerry reminds you when to revisit your policy to keep costs competitive.
Based on drivers with no accidents or violations who saved with Jerry over the past 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Get personalized car insurance rates now.
How to get better coverage without overpaying
Oregon requires 25/50/20 liability, PIP, and uninsured motorist (UM/UIM) coverage. But minimum coverage won’t protect your own car.
Here are the coverage tiers you’ll see:
Minimum
$81 – $151/mo
Meets Oregon’s liability, UM/UIM and PIP requirements, but doesn’t cover your vehicle.
Preferred
$165 – $297/mo
Higher liability caps, lower deductibles and extras like towing or rental reimbursement mean maximum coverage.
Key takeaway: Start with your comfort level around risk and your car’s value. Jerry shows real-time pricing across all tiers so you can choose confidently.
The cheapest Oregon policy is liability with UM/UIM and PIP, but adding comprehensive pays off in a state with wildfire debris, high theft in metro areas and wet-weather collisions.
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Coverage definitions
Oregon insurance factors at a glance
Oregon’s premiums reflect the realities of a state with varied terrain, fast-changing weather and growing urban traffic. Insurers also factor in things like injury claim trends, theft rates and repair costs that continue to rise statewide.
Rain-related collisions
Frequent wet roads mean more fender-benders, making collision coverage valuable.
Wildfire smoke and debris
Comprehensive helps with damage from falling branches, ash and other storm remnants.
Urban theft exposure
Portland has some of the highest theft rates on the West Coast, increasing comprehensive demand.
Uninsured drivers
Around 15% of Oregon drivers are uninsured, so UM/UIM is essential.
Oregon Insurance After a Ticket, Accident or SR-22
Jerry ensures that one mistake doesn’t inflate your rate forever. That’s why we partner with insurers that evaluate your full history, not just your latest issue. As your record improves, we also send reminders and help you re-shop your coverage to potentially save even more.
If you got a ticket
Oregon assigns fines and penalties for speeding, distracted driving, improper passing and other moving violations. Even one ticket can increase your rate for several years, though some drivers may qualify for traffic school to reduce the penalty.
After a violation drops off your record, Jerry automatically checks for better rates.
Here are the average rate increases we’ve seen for Oregon drivers after a ticket:
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Speeding under 15: 9%
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Speeding over 15: 21%
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Failure to obey traffic sign: 27%
Based on Jerry customers with clean driving records and Jerry customers with one or more tickets who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
Oregon uses an at-fault system, meaning the responsible driver pays. An at-fault crash raises premiums by an average of 18%, typically for three to five years.
Jerry secures your best rate now and revisits your coverage once the accident clears.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $351 |
| At Fault With No Injury | $384 |
| At Fault With Injury | $449 |
Based on Jerry customers with clean records and those with one or more accidents who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
A DUI leads to steep penalties in Oregon, and insurance increases reflect that. You can expect your rate to rise substantially, often for several years.
Some insurers still offer comparatively reasonable pricing for high-risk drivers. Jerry identifies those carriers and helps you re-shop your policy as your record improves.
Here are the five cheapest insurers for Oregon drivers with a DUI:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $106 | Yes | |
| $175 | Yes | |
| $203 | Yes | |
| $251 | Yes | |
| $280 | Yes |
Based on Jerry customers with clean driving records and Jerry customers with one or more DUI convictions who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Oregon
Oregon may require an SR-22 after certain violations, uninsured crashes or suspensions. Select the SR-22 option in the Jerry app and we’ll show you only insurers that file them. Many charge around $25 per year for the filing.
Jerry can help you transition back to lower-cost carriers as soon as your record allows.
Car Insurance with Bad Credit
Oregon allows insurers to use credit-based insurance scores, and credit can significantly impact your rate. Still, avoiding violations, maintaining continuous coverage and selecting the right deductible often influence your final price just as much.
Jerry compares real quotes instantly so you can always secure your best rate.
Average rates in Oregon by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Drive with confidence
Oregon’s mix of rain-slicked roads, wildfire exposure, rising repair costs and growing city congestion means there’s no single cheapest policy for everyone. The right coverage is the one that fits your life behind the wheel.
Jerry makes it easy to build a policy tailored to Oregon. Whenever we think your price can improve, we’ll alert you and help guide you through the process of shopping for potentially lower rates.
Get Oregon quotes in as little as 2 minutes.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
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.
