PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
The Cheapest Car Insurance for Oregon Drivers
The Cheapest Car Insurance for Oregon Drivers
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Oregon.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Head of Insurance Operations
Edited by Lina Zhang, Lisenced Insurance Agent
What's on this page?
- How to find the cheapest car insurance quotes in Oregon
- Cheapest car insurance companies in Oregon
- Oregon Car Insurance Coverage Requirements
- Oregon Car Insurance Rating Factors
- How Do Different Factors Impact Your Car Insurance Costs in Oregon?
- Car Insurance for High-Risk Oregon Drivers
- Car Insurance for Oregon Drivers With DUI
- Car Insurance for Oregon Drivers With a Coverage Lapse
- Car Insurance for Oregon Drivers With a Low Credit Score
- Oregon Car Insurance Cost by Age
- Oregon Car Insurance by Car
- Is it cheaper to insure a new car or a used car?
- Oregon Insurance Cost by Zip Code
- How to lower the cost of car insurance in Oregon
- FAQs
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance quotes in Oregon
Here's the deal: there's no one-size-fits-all "cheapest" car insurance company out there. This is precisely why it's crucial to analyze
car insurance quotes
from multiple companies to ensure you pay the most economical price for the coverage you need.Every month, thousands of savvy
car insurance
shoppers in Oregon use the trusted broker
Jerry Insurance Agency to seamlessly compare prices and procure a policy.| Date | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
January 26, 2025 | State Auto | $120 | Ryan, 47 | Nissan Kicks SR | • 100,000/300,000 Liability • Comp / Collision |
January 25, 2025 | Travelers | $77 | Bradley, 35 | Buick Verano Convenience | • 50,000/100,000 Liability • Comp / Collision |
January 24, 2025 | Nationwide | $102 | Adrian, 37 | Honda Pilot Touring | • 250,000/500,000 Liability • Comp / Collision |
January 18, 2025 | Allstate | $159 | Adeline, 32 | Chrysler 200 S | • State Minimum Liability • Comp / Collision |
January 16, 2025 | National General | $303 | Rosalie, 47 | Chrysler 300 Touring | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Jan 26, 2025Cheapest car insurance companies in Oregon
Looking for the most budget-friendly car insurance company in Oregon? You’re in luck because Jerry carried out the most extensive survey in the nation on insurance shopping in the Beaver State.
Our survey reveals that when it comes to securing the most favorable car insurance rates, no single insurance company can definitively claim the title of the absolute best or cheapest option for every driver.
State Farm is often recognized for its competitive rates across a variety of driver profiles in Oregon, but customers we surveyed rated it just 4.4/5 for policy cost. Customers rated Infinity, Kemper, and AAA more highly for price—though overall ratings for Nationwide and Clearcover were also excellent at 5/5.
State Farm, Progressive, Farmers, Liberty Mutual, and Allstate dominate the majority of the insurance market in Oregon.
Let’s check out what real customers had to say about these companies.
| Insurance company | Date | City | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|---|
| Anchor General | January 28, 2025 | Clackamas, OR | 4 | "Have been with farmers for a few years and my insurance agents treat you like family and always look for the cheapest...(read more)" -Earl |
| Nationwide | January 25, 2025 | Portland, OR | 3 | "I had looked into Geico before and it was kind of expensive, I went for a different company and when I checked again ...(read more)" -Mitchell |
| AAA | January 21, 2025 | Portland, OR | 5 | "For me to live in Metro Atlanta, the rates are excellent and fair!" -Carrie |
| Anchor General | January 21, 2025 | Mcminnville, OR | 5 | "Communication, ease of use for their app, pricing, and great value are the reasons why 5 stars. " -Esther |
| Allstate | January 18, 2025 | Beaverton, OR | 4 | "I was grateful for the affordable rates and the perks for long term membership. I had a claim for a fender bender due...(read more)" -Dorothy |
Last Updated Jan 28, 2025
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Minimum car insurance requirements for liability and full coverage in Oregon
Under state law, all Oregon drivers must carry liability coverage, which includes bodily injury and property damage liability insurance. Depending on your circumstances, full coverage might be preferred to cover damage to your own vehicle.
Oregonians must also carry uninsured motorist bodily injury coverage as well as personal injury protection (PIP). Auto insurance companies will offer this coverage to you automatically.
Cheapest minimum liability coverage in Oregon
If you’re an Oregon driver, you must purchase at least the
state minimum car insurance requirements
for liability coverage before getting behind the wheel.In this state, the minimum required liability coverage levels are:
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $20,000 per accident.
These coverages can be summed up as 25/50/20.
Jerry has assisted many Oregon car owners in obtaining minimum liability coverage at reasonable rates.
Winifred (24 years old)
$130
per month
Bristol West
Adeline (62 years old)
$96
per month
Do you need more than the minimum liability insurance coverage in Oregon?
In Oregon, it is common for drivers to seek higher liability coverage than what is mandated by the state's minimum requirement of 30/60/25.
This is primarily because—if you cause an at-fault accident—paying for the costs of someone else’s medical expenses and car repairs could easily exceed the bare minimum limits. In other words, you’d be liable for anything above your policy’s coverage limits—and this could amount to thousands of dollars if the other party’s injuries were significant.
The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Cheapest full coverage Oregon auto insurance quotes
You can shield yourself from unexpected expenses by purchasing
full coverage car insurance
, which will cover the costs to repair or replace your own vehicle after an accident. - Collision coverage covers the cost of collision-related damage, like fixing or replacing a car
- Comprehensive coverage pays for non-collision incidents like if your vehicle is vandalized or stolen, according to the state consumer’s guide to auto insurance
If you have financed your car, your lender will mandate collision and comprehensive coverage to protect their investment.
| Insurance Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 50,000/100,000 Liability • Comp / Collision | Progressive | $118 | Lettie, 32 Independence, OR | Toyota Tacoma Double Cab |
• 100,000/300,000 Liability • Comp / Collision | Nationwide | $165 | Mattie, 47 | Nissan Kicks SR |
• State Minimum Liability • Comp / Collision | Clearcover | $78 | Elizabeth, 23 | Honda Civic EXL |
• 50,000/100,000 Liability • Comp / Collision | National General | $303 | Rosalie, 47 | Chrysler 300 Touring |
• 50,000/100,000 Liability • Comp / Collision | Mercury | $205 | Garrett, 36 | Infiniti M37 |
Last Updated Jan 24, 2025Average rates for minimum liability coverage and full coverage car insurance in Oregon
We’ve been tracking the numbers during our work with thousands of policyholders in Oregon.
Data shows that the average cost of minimum liability coverage is $171 per month or $2,047 per year. For full-coverage insurance in Oregon, the average cost is $257 per month.
| Insurance coverage | Average insurance cost (monthly) | Average insurance cost (yearly) |
|---|---|---|
State minimum coverage | $115 | $1,380 |
Full coverage | $127 | $1,524 |
On the one hand, average insurance rates can serve as a useful reference point for estimating your own insurance expenses. But every driver has a unique driving profile that will result in a unique premium based on factors like vehicle type, driving record, claims history, and demographic characteristics.
Cheapest uninsured motorist coverage quotes in Oregon
Oregon drivers must carry
uninsured motorist bodily injury protection
with limits that match the state liability limits—$25,000 per person and $50,000 per accident.Cheapest personal injury protection (PIP) quotes in Oregon
Drivers in Oregon must also carry at least $15,000 of
personal injury protection (PIP)
. That’s the limit per person involved in the accident, and PIP can cover medical expenses, lost wages, or even funeral expenses.Oregon car insurance: Additional coverages
In addition to collision, comprehensive coverage, uninsured motorist bodily injury, and PIP, Oregon drivers may also wish to purchase other important types of car insurance:
- Medical payments
- Towing and labor (aka roadside assistance)
- Rental reimbursement coverage
- New car replacement insurance
Did you recently finance a car? Consider
gap insurance
, which will cover the financial gap between the remaining loan amount and the actual worth of the vehicle in the event of a total loss.Do you rent or borrow, instead of owning your own car? Consider
non-owner car insurance in Oregon
. This follows you—the driver—no matter which car you’re driving. It gives you liability coverage for bodily injury and property damage you cause to others, but there’s no coverage for the vehicle you’re driving or your own injuries. How Do Different Factors Impact Your Car Insurance Costs in Oregon?
How Do Different Factors Impact Your Car Insurance Costs in Oregon?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Oregon currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Oregon:
Cheapest Oregon car Insurance after a driving violation
Your driving history carries substantial weight. Insurance companies thoroughly assess any previous violations—and if they identify a pattern of infractions, you’ll be labeled a
high-risk driver
and charged a higher rate.Cheapest car insurance for Oregon drivers with a speeding ticket
Not all speeding tickets are the same! There are various brackets: speeding 1-10 MPH, 11-20 MPH, 21-30 MPH, and over 30 MPH over the limit.
Every instance carries a minimum fine, and every speeding ticket can affect your car insurance rates. Jerry has assisted drivers with speeding violations on record with saving money on insurance.
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
Speeding 1-5 | Progressive | $211 | Ruth, 24 | • State Minimum Liability • Comp / Collision |
Speeding 6-10 | Travelers | $165 | Lizzie, 35 | • State Minimum Liability • Comp / Collision |
Speeding 11-15 | Safeco | $114 | Cameron, 35 | • State Minimum Liability |
Speeding 16-20 | Allstate | $192 | Blake, 23 Noti, OR | • State Minimum Liability • Comp / Collision |
Speeding 21+ | Progressive | $486 | Larry, 43 Columbia City, OR | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Jan 28, 2025Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Fast response to questions, problems solved quickly
John
Switching to National General was SO easy and it saved me over $100/month! I'm so glad I made the switch!
Courtney
Got a decent rate for my Tesla Model S from travelers
Kishore
Safeco has provided great service as my current carrier.
Marcus
How to find cheap Oregon auto insurance after a DUI
A
DUI in Oregon
is a serious violation and it will trigger extremely high rates for car insurance. Some companies may even refuse you coverage. To find a good rate for car insurance after a DUI in Oregon, it’s important to
shop around and compare rates
. Jerry has assisted many drivers with finding affordable rates after a DUI.
Travelers
Elsie (33 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$125
per month
Bristol West
Lily (51 years old)
DUI
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$147
per month
Oregon SR-22 insurance
Your insurance company must file an SR-22 certificate to prove that you have the minimum required coverage to be allowed on the road. There is a cost to file this form and you cannot file it yourself.
Here are some situations that might require SR-22 filing:
- You were caught driving without insurance
- You were part of ahit-and-run
- You owned an uninsured vehicle that was involved in an accident
- You failed to pay legal damages after an accident
Cheapest Oregon auto Insurance after an at-fault accident
Your car accident history has a significant influence on your car insurance rates.
Before offering you a rate, car insurance companies must determine your level of risk. The company carefully reviews your past accidents—especially the ones where you were found at fault. If you were involved in an at-fault accident recently, there's a high chance that your car insurance rates might shoot up.
| Accident Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
At Fault With Injury | Progressive | $330 | Harriett, 32 | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | Travelers | $153 | Verna, 35 | • State Minimum Liability • Comp / Collision |
Not At Fault | Travelers | $77 | Rachel, 34 | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | Safeco | $84 | Gordon, 34 | • 100,000/300,000 Liability • Comp / Collision |
At Fault With Injury | Nationwide | $137 | James, 49 Troutdale, OR | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Jan 25, 2025FAQ
Is Oregon a no-fault state?
No, Oregon is an at-fault state. This means that whoever was at fault in the accident is liable for the damages caused. In most cases, you can file against the other party’s policy to get compensation for your injuries and damages.
If the other party’s coverage is not enough to cover everything—or if the other driver was uninsured—you may need to file against your own policy.
This is one reason that Oregon requires drivers to carry PIP and uninsured motorist bodily injury protection. Your PIP will cover medical expenses immediately, no matter who caused the accident.
The bottom line: All Oregon drivers must carry PIP and uninsured motorist bodily injury protection, but the coverage may not be enough to protect you in the event of a serious accident. Take out as much of this coverage as you can afford.
Cheapest auto insurance after other violations in Oregon
Other infractions, like
reckless driving
and driving on a suspended license, can also contribute to the escalation of your car insurance expenses in Oregon.Jerry has helped customers with moving violations find affordable car insurance from reputable insurers.
| Violation | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Careless Driving | Progressive | $167 | Roxie, 45 | Hyundai Elantra GLS | • State Minimum Liability • Comp / Collision |
Defective Equipment | Bristol West | $75 | Nannie, 41 | Toyota Scion TC | • State Minimum Liability |
Driving on Sus. License | Travelers | $125 | Genevieve, 32 | Volkswagen Jetta SEL | • 50,000/100,000 Liability • Comp / Collision |
DUI | Safeco | $114 | Harriet, 30 | Jeep Patriot Sport | • State Minimum Liability • Comp / Collision |
Eluding Police | National General | $207 | Lucas, 25 | Toyota Corolla | • State Minimum Liability |
Failure to Obey Signal | Nationwide | $281 | Fanny, 22 | Dodge Nitro SXT | • State Minimum Liability • Comp / Collision |
Homicide | National General | $114 | Alma, 24 | Volvo V70 XC | • State Minimum Liability |
Illegal Turn | Bristol West | $138 | Peter, 24 | Lexus ES 300 | • State Minimum Liability |
Improper Passing | Mercury | $271 | James, 27 | Hyundai Veloster Turbo | • 50,000/100,000 Liability • Comp / Collision |
Leaving scene of an Accident/Hit and Run | Progressive | $171 | Derrick, 26 | Mercedes-Benz CLK 350 | • State Minimum Liability |
Racing/Drag Racing | Kemper | $243 | Garrett, 26 | Dodge Charger SE | • State Minimum Liability • Comp / Collision |
Seat Belt | Nationwide | $79 | Jason, 31 | Subaru Legacy 30TH Anniversary Outback | • State Minimum Liability • Comp / Collision |
Speeding 16-20 | Allstate | $192 | Steve, 23 Noti, OR | Acura RL | • State Minimum Liability • Comp / Collision |
Speeding Violation-Minor | Safeco | $69 | Ina, 26 | Chevrolet Suburban K1500 | • 100,000/300,000 Liability |
Suspension | Infinity | $163 | Michael, 32 | Ford Mustang | • State Minimum Liability • Comp / Collision |
Other Minor | Travelers | $95 | Fanny, 34 Aumsville, OR | Toyota 4runner Limited | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Jan 30, 2025Cheapest Oregon auto insurance based on insurance history
Did you know that your insurance history is a key factor when it comes to determining your car insurance rates? Whether you're presently insured or not can greatly impact the cost.
At Jerry, we've developed a system to ensure you stay in the loop. We’ll send you helpful payment reminders to notify you about upcoming payments or let you know that you’re late with a payment.
Most importantly, you can still find savings on a new policy if you are currently uninsured or have coverage lapses in your past.
Linnie (39 years old)
$91
per month
Bertie (33 years old)
Not Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$199
per month
Mark (46 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$165
per month
Travelers
Steve (31 years old)
$105
per month
Bristol West
Fanny (42 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$186
per month
National General
Alexander (32 years old)
$67
per month
Cheapest car insurance for Oregon drivers with poor credit
Drivers with unfavorable credit ratings often face higher premiums than those with good credit scores. Your credit rating doesn't necessarily reflect your driving capabilities, but insurance companies have found that drivers with lower credit scores tend to file more claims.
The state of Oregon allows insurers to use credit scores to calculate rates when issuing a new policy but not to increase rates or cancel policies.
In Oregon, poor credit drivers (under 550) pay about 70% more for car insurance than people with high credit scores (over 750).
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $100 | Delia, 34 | Buick Verano Convenience | • 50,000/100,000 Liability • Comp / Collision |
660 - 750 | Safeco | $135 | Francis, 67 | Jeep Renegade Latitude | • 50,000/100,000 Liability • Comp / Collision |
550 - 659 | Nationwide | $252 | Jim, 55 | Volkswagen Passat R-Line | • 100,000/300,000 Liability • Comp / Collision |
< 550 | National General | $119 | Floyd, 35 | Chrysler 300M | • State Minimum Liability |
Last Updated Jan 30, 2025Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
I always shared a good relationship with progressive
Jeffrey
The policy offered is about $40 cheaper than my previous car insurance carrier.
Tyler
I like this insurance a lot
Krista
I love this. I'm not paying and arm and a leg to keep my vehicle on the road
Eason
Cheapest Oregon car insurance by age
In every state, young drivers pay much higher prices for car insurance due to their lack of experience behind the wheel.
After the age of 25, rates begin to drop—until the age of 75, when they begin to rise again as risk increases due to the cognitive and physical decline associated with aging. The cheapest rates go to adults over the age of 25.
Cheapest Oregon car insurance for young drivers
Of all age groups, teens between 16 and 19 pay the highest prices for car insurance in Oregon. To protect these vulnerable drivers who are more likely to get into an accident—especially teen drivers who are driving a newer vehicle—full coverage auto insurance is a wise choice.
Gilbert (24 years old)
$274
per month
Bristol West
Eva (24 years old)
$95
per month
National General
Alma (23 years old)
$254
per month
Dairyland
Vernon (23 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$229
per month
Cheapest Oregon car insurance for senior drivers
In your mid-70s, you can expect your car insurance rates to start rising for two key reasons:
- Higher risk of accident
- Higher cost to recover from an accident
The reality is that older drivers are more likely to be involved in an accident. They’re also more vulnerable to injuries in an accident, which may trigger significant medical costs.
Travelers
Alice (66 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Creswell, OR
GMC Sierra K1500 SLE$75
per month
Bristol West
Myra (74 years old)
$85
per month
National General
Tom (66 years old)
$97
per month
How to find car insurance discounts in Oregon for your motor vehicle
The make and model of your vehicle is an important factor in determining your insurance rate. Every model has a unique cost of repair, set of safety features, and rate of theft.
Popular car models for Oregonians include:
- Ford F-150
- Dodge RAM 1500
- Toyota RAV4
- Toyota Tacoma
- Subaru Outback
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Toyota RAV4 Adventure | Progressive | $67 | Jimmy, 29 | • State Minimum Liability • Comp / Collision |
Last Updated Jan 30, 2025Is it cheaper to insure a new car or a used car?
In most cases, you’ll pay more to insure a newer car than an older car. Full coverage for a car older than 10 years is about $1,700, whereas a five-year-old car costs about $2,000 per year for the same coverage.
Safeco
Jared (38 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$62
per month
Travelers
Marvin (44 years old)
$72
per month
Cora (36 years old)
$116
per month
National General
Eddie (31 years old)
2004 Volvo V70 AWD Cross Countr
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$285
per month
How to find cheap car insurance in Oregon in your city
Your location is a key factor for insurance companies. It represents your risk of nasty weather, vulnerability to traffic accidents, the chance of auto theft, and other crime and traffic statistics that could affect your rate.
Rates can change a lot from one zip code to another, even if they’re right next door.
Jerry Insurance Agency helps find low rates for drivers across Oregon.
| City | Customer | Insurance Company | Premium (monthly) | Car | Insurance coverage |
|---|---|---|---|---|---|
| La Grande, OR | Winifred, 24 | Progressive | $130 | Jeep Cherokee Trailhawk | • State Minimum Liability • Comp / Collision |
| Gresham, OR | Blake, 48 | Allstate | $202 | Nissan Pathfinder S | • 100,000/300,000 Liability • Comp / Collision |
| Salem, OR | Grace, 58 | Safeco | $229 | Chevrolet Impala LS | • State Minimum Liability • Comp / Collision |
| Happy Valley, OR | Sue, 37 | Nationwide | $102 | Honda Pilot Touring | • 250,000/500,000 Liability • Comp / Collision |
| Salem, OR | Todd, 58 | National General | $533 | Nissan Sentra S | • State Minimum Liability • Comp / Collision |
| Salem, OR | Jeremy, 61 | Gainsco | $175 | Mitsubishi Mirage ES | • State Minimum Liability |
| Medford, OR | Samuel, 40 | Aspire Advantage | $249 | Chevrolet Malibu LS | • 15,000/30,000 Liability • Comp / Collision |
| Redmond, OR | Gerald, 24 | Dairyland | $165 | Toyota Corolla | • State Minimum Liability |
| Gresham, OR | Glen, 39 | Aspen | $93 | Dodge Journey SE | • 30,000/60,000 Liability |
| Portland, OR | Nelle, 37 | Kemper | $328 | Chevrolet Malibu LT | • State Minimum Liability • Comp / Collision |
| Portland, OR | Mabel, 43 | The General | $221 | KIA Optima LX | • State Minimum Liability • Comp / Collision |
| Lebanon, OR | Elsie, 33 | Anchor General | $121 | Nissan Altima SR | • 15,000/30,000 Liability |
Last Updated Jan 30, 2025How to lower the cost of car insurance in Oregon
If you’re looking to cut costs on car insurance, try one of these time-tested tips from Jerry’s team of experts:
- Compare quotes from multiple providers before buying or renewing.
- Increase your deductible for comprehensive and collision coverage.
- Bundle your auto policy with home or renter’s coverage to get a discount.
- Enroll in a state-approved driver training course.
- Remove collision and comprehensive coverage on an older vehicle.
- Drop duplicate coverages like towing and labor (if you already have AAA).
Why is car insurance so expensive in Oregon?
Car insurance in Oregon is expensive due to several key reasons:
- High rate of uninsured drivers (more than 11%)
- Natural disasters that could damage your vehicle
- High cost of car repairs
- High population density in some areas
FAQs
How much is car insurance in Oregon?
Rates vary from person to person, company to company. You should shop around to find the best rate for your unique situation. Compare quotes from multiple companies.
Can you get car insurance without a license in Oregon?
Yes—but it’s not an easy process. Most insurance companies will consider you high-risk if you need coverage but don’t have a valid license. Call around to see if your preferred insurers offer coverage for non-drivers.
Does insurance follow the car or the driver in Oregon?
In most cases,
car insurance policies follow the car
. There’s something called permissive use that allows you and people you permit to drive the car occasionally under your policy’s protection. If you or they get into an accident, your policy would kick in. But coverages can vary depending on whether the person lives with you full-time, whether they drive the vehicle regularly, or if the person who caused the accident has coverage.Non-owner coverage follows the driver, not the car, so it’s a great option for someone who rents or borrows a car frequently.
Is car insurance required in Oregon?
Yes. All Oregon drivers must carry 25/50/20 liability coverage with matching uninsured motorist bodily injury protection and $15,000 of PIP. Other coverage types are optional but helpful.
What is the cheapest car insurance in Oregon?
The cheapest car insurance in Oregon is usually minimum liability coverage—but finding the best rate can mean shopping around with multiple companies.
Car insurance discounts can also help reduce your annual premium. Good drivers may be eligible for a safe driver discount, for instance.
Why is car insurance so expensive in Oregon?
Car insurance in Oregon is cheaper than the national average—but factors like a high population density, lots of vehicle thefts, and its no-fault status can drive up rates.
Do you need insurance to register a car in Oregon?
Yes. Before you go to the DMV to
register your car
, find your insurance card and proof of ownership to satisfy the state’s requirements.What is the lowest form of car insurance?
Minimum liability coverage is the lowest form of car insurance in Oregon. Beware that it will not cover your vehicle damage or medical expenses after an at-fault accident, though.
Is insurance cheaper in Oregon?
Car insurance rates in Oregon are generally cheaper than the national average, although some cities in Oregon have a higher-than-average cost.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Expert Insurance Writer and Editor
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
15 Years Working in Insurance
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to Jerry’s rapid growth.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. Before founding YourMechanic, Lina served as an intellectual property attorney at Morrison & Foerster LLP and a postdoctoral biomedical researcher at Stanford University.
Lina is a member of the State Bar of California, and a licensed property and casualty insurance broker in all 50 states and Washington, D.C.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s Vice President Insurance Operations and a licensed insurance professional with 18 years of experience in the industry. Previously, Josh worked for 14 years at GEICO, most recently as Director of Insurance Sales, Service, and Underwriting in the Buffalo, New York region, where he doubled the size of the team to 950+ licensed associates. Josh Damico is a licensed insurance agent in 48 states. Josh has appeared on news channels like FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.