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
In Oregon, minimum liability insurance offers a simple and budget-conscious way to stay in compliance with state driving laws. This coverage takes care of the financial responsibilities if you cause harm to others or damage property in an accident. It doesn’t provide benefits for your own repairs, making it most suitable for low-risk drivers or older vehicles. Oregon residents can often find better rates by comparing plans from different insurance providers.
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 | $1,212 |
Progressive | $161 | $1,933 |
Dairyland | $174 | $2,089 |
Gainsco | $183 | $2,195 |
National General | $198 | $2,381 |
The General | $208 | $2,494 |
Bristol West | $210 | $2,518 |
Kemper | $232 | $2,787 |
Root | $243 | $2,919 |
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
Finding reasonably priced full coverage car insurance in Oregon means looking for a policy that’s both thorough and cost-effective. Full coverage typically includes liability, collision and comprehensive coverage which covers risks like accidents, wildfire damage, theft and rain-related incidents. This level of protection is often smart if your car holds significant value.
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 | $207 | $2,484 |
Safeco | $214 | $2,573 |
Aspire Advantage | $230 | $2,756 |
Gainsco | $294 | $3,528 |
Dairyland | $342 | $4,098 |
Root | $342 | $4,108 |
National General | $361 | $4,332 |
Mendota | $372 | $4,461 |
The General | $379 | $4,550 |
If you have a loan or lease on your vehicle, the lender will require
Average car insurance costs for young drivers in Oregon
Young drivers in Oregon generally face steeper insurance rates because insurers view inexperience as a liability. Navigating wet roads and traffic can be particularly challenging for new drivers. However, young drivers may benefit from discounts tied to defensive driving classes or good grades in school.
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 | $354 | $4,244 |
21-24 | $370 | $4,437 |
Cheap liability car insurance in Oregon for a 20-year-old
In Oregon, liability-only insurance is often the go-to choice for 20-year-olds looking to meet requirements without overspending. This plan is particularly useful when a driver’s car doesn’t justify comprehensive coverage. It keeps things simple, legal and more affordable for young drivers.
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 | $229 | $2,751 |
Progressive | $271 | $3,257 |
Root | $290 | $3,477 |
The General | $337 | $4,039 |
Bristol West | $360 | $4,321 |
Cheap full coverage in Oregon for a 20-year-old
A 20-year-old in Oregon might choose full coverage to protect their car from risks like rain-related accidents or theft. This policy type provides reassurance when driving through unpredictable environments and it’s a practical solution for young people who depend on their vehicle daily.
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 | $328 | $3,941 |
Root | $435 | $5,224 |
Dairyland | $486 | $5,827 |
Gainsco | $517 | $6,200 |
The General | $556 | $6,672 |
Average auto insurance costs for mature drivers in Oregon (25-54)
In Oregon, experienced drivers often enjoy reduced insurance premiums due to their history of careful driving. Navigating everything from city congestion to mountain roads takes experience, which insurers use as a factor. Lower risk profiles come from years of accident-free driving and that consistent performance often leads to meaningful savings.
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 | $277 | $3,321 |
35-44 | $218 | $2,618 |
45-54 | $225 | $2,695 |
Cheapest liability car insurance in Oregon for a 35-year-old
A 35-year-old in Oregon could opt for liability-only insurance if their car’s value has diminished and they’ve been driving without issue for years. They may appreciate the cost savings that come from a more minimal policy that meets state requirements without adding financial burden.
Here are the most affordable insurers in Oregon for 35-year-olds with minimum coverage policies, according to real car insurance quotes for Jerry customers.
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
---|---|---|
Aspire Advantage | $89 | $1,068 |
Safeco | $90 | $1,083 |
Gainsco | $106 | $1,271 |
Progressive | $108 | $1,293 |
The General | $137 | $1,646 |
Cheapest full coverage in Oregon for a 35-year-old
A 35-year-old in Oregon could go for full coverage to guard against things like high value cars, traffic accidents and weather related issues. From rainy commutes to weekend hikes, comprehensive protection covers a range of scenarios. It’s a dependable option for keeping their car safe across all conditions.
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 | $172 | $2,066 |
Safeco | $216 | $2,591 |
Gainsco | $243 | $2,918 |
Dairyland | $259 | $3,106 |
Bristol West | $264 | $3,165 |
Average car insurance costs for older drivers in Oregon (55+)
Older drivers might notice rising premiums due to challenges like foggy weather and busy metro areas. Age can affect response time and peripheral vision — two key factors in accident prevention. Insurers take these variables seriously when adjusting policy rates and that shift helps balance long-term driving experience with current health factors.
Below are the average costs of car insurance for senior drivers in Oregon 55 and older.
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
---|---|---|
55-64 | $175 | $2,101 |
65+ | $186 | $2,238 |
Cheapest liability car insurance in Oregon for a 65-year-old
Oregon retirees may favor liability-only policies when they drive less and keep their vehicles longer. With fewer miles logged, the added cost of full protection may not feel worthwhile. This minimalist plan keeps drivers covered without stretching finances and is a common move for those shifting into a slower pace of life.
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 | $163 | $1,961 |
Dairyland | $174 | $2,093 |
Bristol West | $193 | $2,312 |
The General | $208 | $2,495 |
Cheapest full coverage in Oregon for a 65-year-old
For a 65-year-old in Oregon, full coverage insurance offers protection from rainy weather and traffic risks. Avoiding sudden repair expenses can be vital to preserving retirement funds. Many seniors continue to use their vehicles regularly and value the comprehensive protection full coverage provides.
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 | $170 | $2,042 |
Gainsco | $232 | $2,788 |
Bristol West | $234 | $2,807 |
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, at-fault accident or other citation.
Cheap car insurance for drivers with clean records in Oregon
Drivers with clean records in Oregon often enjoy lower insurance costs and more policy options. It shows that you consistently follow laws and avoid hazards and insurers interpret this as a sign of reduced risk.
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 | $86 | $1,032 |
Trexis | $122 | $1,468 |
Safeco | $153 | $1,841 |
Progressive | $158 | $1,895 |
Cheapest car insurance with a speeding ticket in Oregon
Speeding tickets in Oregon can be viewed as indicators of unsafe driving. Even a single violation might lead to a policy change and insurers take each ticket seriously when evaluating renewals.
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 | $186 | $2,235 |
Safeco | $217 | $2,601 |
Gainsco | $238 | $2,856 |
The General | $268 | $3,215 |
Root | $268 | $3,220 |
Cheapest car insurance after an at-fault accident with no injury in Oregon
In Oregon, being at fault in a property-damage accident still affects your insurer’s view of you. These events are considered signs of possible future claims and they may influence your premium and coverage terms. Even non-injury incidents are recorded and reviewed.
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 | $205 | $2,463 |
Progressive | $220 | $2,641 |
Gainsco | $232 | $2,784 |
Dairyland | $271 | $3,252 |
Cheapest auto insurance after an at-fault accident with injury in Oregon
An accident causing injury in Oregon where you’re found at fault is considered a major concern. It reflects serious liability exposure for insurers and these situations usually result in stricter terms or increased rates.
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
|
---|---|---|
Safeco | $98 | $1,177 |
Progressive | $161 | $1,930 |
Gainsco | $225 | $2,701 |
National General | $284 | $3,403 |
Bristol West | $284 | $3,408 |
Cheapest car insurance with a DUI in Oregon
A DUI offense seriously damages your driving profile in the eyes of insurers. It indicates a high degree of risk that companies must account for. Premiums are typically raised, and policy choices reduced. Additionally, the impact of a DUI lasts long beyond the violation itself.
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 |
Safeco | $155 | $1,856 |
Dairyland | $160 | $1,914 |
National General | $164 | $1,970 |
Average auto insurance costs for Oregon drivers with other violations
Other driving violations in Oregon, such as distracted driving or failure to obey signs, can add up quickly. These actions create patterns that insurers don’t ignore and a growing record can lead to policy restrictions.
Below are average car insurance costs in Oregon for other driving violations.
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
---|---|---|
Careless Driving | $348 | $4,177 |
Cell Phone | $211 | $2,537 |
Defective Equipment | $307 | $3,687 |
Driving on Sus. License | $189 | $2,270 |
Eluding Police | $254 | $3,044 |
Cheapest auto insurance for low credit scores in Oregon
Oregon limits how credit scores can be used in car insurance decisions. Drivers are more likely to be assessed based on driving record and vehicle use and financial status has less influence on premiums than in other states.
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 | $113 | $1,360 |
Progressive | $189 | $2,269 |
Safeco | $196 | $2,354 |
Gainsco | $222 | $2,670 |
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 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.