The Cheapest Car Insurance in Oregon for July 2024
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Auto insurance is an important purchase, but finding cheap car insurance in Oregon isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.
The cheapest car insurance company in Oregon is QBE at $993 per year on average, or $83 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Oregon. Meanwhile, the average cost of full coverage car insurance in Oregon is $1,346 per year, or about $112 per month.
Did your rates go up? Auto insurance prices are on the rise in Oregon. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.
Minimum coverage in Oregon is $602 per year on average, but we found you can likely get a cheaper policy. For example, California Casualty offers the cheapest rates in Oregon at $318 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.NerdWallet also analyzed car insurance rates to find the cheapest options in Portland.
How we chose the cheapest companies in Oregon
NerdWallet’s editorial team analyzed car insurance rates from 18 auto insurers in Oregon and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2021 Toyota Camry LE. For minimum coverage, we looked at rates that reflect the minimum requirements in Oregon. For full coverage, we used the below coverage limits:
$100,000 bodily injury liability per person.
$300,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$100,000 uninsured motorist coverage per person.
$300,000 uninsured motorist coverage per accident.
Collision coverage with a $1,000 deductible.
Comprehensive coverage with a $1,000 deductible.
Cheapest for 20-year-old drivers
Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.
Cheapest full coverage car insurance in Oregon for 20-year-olds
Drivers in Oregon with clean driving records may want to consider the following companies, which had the lowest average rates:
- QBE: $1,619 per year, or about $135 per month.
- California Casualty: $1,695 per year, or about $141 per month.
- CIG: $1,731 per year, or about $144 per month.
- Travelers: $2,041 per year, or about $170 per month.
- Geico: $2,099 per year, or about $175 per month.
Cheapest minimum coverage car insurance in Oregon for 20-year-olds
Drivers in Oregon who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:
- California Casualty: $576 per year, or about $48 per month.
- QBE: $600 per year, or about $50 per month.
- Travelers: $663 per year, or about $55 per month.
- CIG: $732 per year, or about $61 per month.
- Geico: $792 per year, or about $66 per month.
Cheapest auto insurance in Oregon for 20-year-olds with poor credit
Drivers with poor credit in Oregon should look at the following insurers with the lowest average rates for minimum coverage:
- Geico: $1,053 per year, or about $88 per month.
- CIG: $1,068 per year, or about $89 per month.
- Travelers: $1,138 per year, or about $95 per month.
- California Casualty: $1,172 per year, or about $98 per month.
- QBE: $1,211 per year, or about $101 per month.
Cheapest auto insurance in Oregon for 20-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Oregon, here are the companies with the lowest average rates for minimum coverage:
- Travelers: $782 per year, or about $65 per month.
- QBE: $799 per year, or about $67 per month.
- CIG: $816 per year, or about $68 per month.
- California Casualty: $903 per year, or about $75 per month.
- Geico: $949 per year, or about $79 per month.
Cheapest auto insurance in Oregon for 20-year-old drivers with one at-fault crash
For drivers with a recent accident in Oregon, here are the companies with the lowest average rates for minimum coverage:
- QBE: $799 per year, or about $67 per month.
- Travelers: $838 per year, or about $70 per month.
- CIG: $892 per year, or about $74 per month.
- California Casualty: $1,143 per year, or about $95 per month.
- Progressive: $1,152 per year, or about $96 per month.
Cheapest auto insurance in Oregon for 20-year-old drivers after a DUI
The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.
- Travelers: $912 per year, or about $76 per month.
- CIG: $1,030 per year, or about $86 per month.
- QBE: $1,061 per year, or about $88 per month.
- Progressive: $1,088 per year, or about $91 per month.
- California Casualty: $1,314 per year, or about $110 per month.
Cheapest for 30-year-old drivers
By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.
Cheapest full coverage car insurance in Oregon for 30-year-olds
Drivers in Oregon who want their state's minimum coverage can check with the following companies, which had the lowest average rates:
- QBE: $985 per year, or about $82 per month.
- Oregon Mutual: $1,094 per year, or about $91 per month.
- California Casualty: $1,118 per year, or about $93 per month.
- CIG: $1,166 per year, or about $97 per month.
- Geico: $1,172 per year, or about $98 per month.
Cheapest minimum coverage car insurance in Oregon for 30-year-olds
Drivers in Oregon who want their state's minimum coverage can check with the following companies, which had the lowest average rates:
- California Casualty: $314 per year, or about $26 per month.
- Geico: $444 per year, or about $37 per month.
- QBE: $454 per year, or about $38 per month.
- Travelers: $454 per year, or about $38 per month.
- CIG: $530 per year, or about $44 per month.
Cheapest auto insurance in Oregon for 30-year-olds with poor credit
Drivers with poor credit in Oregon should consider the following companies with the lowest average rates for full coverage:
- Oregon Mutual: $1,488 per year, or about $124 per month.
- Geico: $1,566 per year, or about $130 per month.
- CIG: $1,645 per year, or about $137 per month.
- Kemper: $1,676 per year, or about $140 per month.
- QBE: $1,734 per year, or about $145 per month.
Cheapest auto insurance in Oregon for 30-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Oregon, here are the companies with the lowest average rates for minimum coverage:
- Travelers: $539 per year, or about $45 per month.
- Geico: $543 per year, or about $45 per month.
- California Casualty: $567 per year, or about $47 per month.
- CIG: $568 per year, or about $47 per month.
- Oregon Mutual: $596 per year, or about $50 per month.
Cheapest auto insurance in Oregon for 30-year-old drivers with one at-fault crash
For drivers in Oregon with a recent accident, here are the lowest average rate options for full coverage:
- Oregon Mutual: $1,370 per year, or about $114 per month.
- QBE: $1,406 per year, or about $117 per month.
- CIG: $1,472 per year, or about $123 per month.
- Travelers: $1,552 per year, or about $129 per month.
- Geico: $2,005 per year, or about $167 per month.
Cheapest auto insurance in Oregon for 30-year-old drivers after a DUI
For the cheapest auto insurance after a DUI, we found the following options for full coverage.
- CIG: $1,590 per year, or about $133 per month.
- Travelers: $1,669 per year, or about $139 per month.
- Progressive: $1,734 per year, or about $145 per month.
- Oregon Mutual: $1,807 per year, or about $151 per month.
- QBE: $2,002 per year, or about $167 per month.
Cheapest for 40-year-old drivers
Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.
Cheapest full coverage car insurance in Oregon for 40-year-olds
Drivers in Oregon with clean driving records may want to think about the following companies, which had the lowest average rates:
- QBE: $1,002 per year, or about $84 per month.
- Oregon Mutual: $1,014 per year, or about $85 per month.
- Travelers: $1,073 per year, or about $89 per month.
- California Casualty: $1,077 per year, or about $90 per month.
- CIG: $1,082 per year, or about $90 per month.
Cheapest minimum coverage car insurance in Oregon for 40-year-olds
Drivers in Oregon who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:
- California Casualty: $337 per year, or about $28 per month.
- Geico: $442 per year, or about $37 per month.
- Travelers: $443 per year, or about $37 per month.
- QBE: $475 per year, or about $40 per month.
- Oregon Mutual: $512 per year, or about $43 per month.
Cheapest auto insurance in Oregon for 40-year-olds with poor credit
Drivers with poor credit in Oregon can check out the following insurers with the lowest average rates for full coverage:
- Oregon Mutual: $1,408 per year, or about $117 per month.
- Geico: $1,529 per year, or about $127 per month.
- CIG: $1,530 per year, or about $128 per month.
- Kemper: $1,540 per year, or about $128 per month.
- QBE: $1,663 per year, or about $139 per month.
Cheapest auto insurance in Oregon for 40-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Oregon, here are the companies with the lowest average rates for minimum coverage:
- Geico: $531 per year, or about $44 per month.
- Travelers: $550 per year, or about $46 per month.
- CIG: $560 per year, or about $47 per month.
- Oregon Mutual: $566 per year, or about $47 per month.
- California Casualty: $607 per year, or about $51 per month.
Cheapest auto insurance in Oregon for 40-year-old drivers with one at-fault crash
For drivers with a recent accident living in Oregon, here are the companies with the lowest average rates for full coverage:
- Oregon Mutual: $1,314 per year, or about $110 per month.
- CIG: $1,342 per year, or about $112 per month.
- Travelers: $1,484 per year, or about $124 per month.
- QBE: $1,486 per year, or about $124 per month.
- Progressive: $1,950 per year, or about $163 per month.
Cheapest auto insurance in Oregon for 40-year-old drivers after a DUI
The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.
- CIG: $1,450 per year, or about $121 per month.
- Travelers: $1,601 per year, or about $133 per month.
- Progressive: $1,613 per year, or about $134 per month.
- Oregon Mutual: $1,738 per year, or about $145 per month.
- QBE: $2,125 per year, or about $177 per month.
Cheapest for 50-year-old drivers
Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.
Cheapest full coverage car insurance in Oregon for 50-year-olds
Drivers in Oregon with clean driving records may want to get quotes from these insurers, which had the lowest average rates:
- Oregon Mutual: $936 per year, or about $78 per month.
- California Casualty: $1,037 per year, or about $86 per month.
- QBE: $1,044 per year, or about $87 per month.
- Travelers: $1,045 per year, or about $87 per month.
- Geico: $1,045 per year, or about $87 per month.
Cheapest minimum coverage car insurance in Oregon for 50-year-olds
Drivers in Oregon who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:
- California Casualty: $330 per year, or about $28 per month.
- Geico: $405 per year, or about $34 per month.
- Travelers: $431 per year, or about $36 per month.
- Oregon Mutual: $472 per year, or about $39 per month.
- Progressive: $515 per year, or about $43 per month.
Cheapest auto insurance in Oregon for 50-year-olds with poor credit
Drivers with poor credit in Oregon can check with the following companies, which showed the lowest average rates for full coverage:
- Oregon Mutual: $1,290 per year, or about $108 per month.
- Kemper: $1,367 per year, or about $114 per month.
- Geico: $1,394 per year, or about $116 per month.
- CIG: $1,492 per year, or about $124 per month.
- Travelers: $1,706 per year, or about $142 per month.
Cheapest auto insurance in Oregon for 50-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Oregon, here are the companies with the lowest average rates for minimum coverage:
- Geico: $487 per year, or about $41 per month.
- Oregon Mutual: $532 per year, or about $44 per month.
- Travelers: $533 per year, or about $44 per month.
- CIG: $554 per year, or about $46 per month.
- California Casualty: $592 per year, or about $49 per month.
Cheapest auto insurance in Oregon for 50-year-old drivers with one at-fault crash
For drivers living in Oregon with a recent accident, here are the insurers with the lowest average full coverage rates:
- Oregon Mutual: $1,246 per year, or about $104 per month.
- CIG: $1,304 per year, or about $109 per month.
- Travelers: $1,446 per year, or about $121 per month.
- QBE: $1,660 per year, or about $138 per month.
- Geico: $1,802 per year, or about $150 per month.
Cheapest auto insurance in Oregon for 50-year-old drivers after a DUI
The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.
- CIG: $1,408 per year, or about $117 per month.
- Progressive: $1,513 per year, or about $126 per month.
- Travelers: $1,559 per year, or about $130 per month.
- Oregon Mutual: $1,662 per year, or about $139 per month.
- Mutual of Enumclaw: $1,977 per year, or about $165 per month.
Cheapest for 60-year-old drivers
Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.
Cheapest full coverage car insurance in Oregon for 60-year-olds
Drivers in Oregon with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:
- Travelers: $962 per year, or about $80 per month.
- Oregon Mutual: $984 per year, or about $82 per month.
- California Casualty: $988 per year, or about $82 per month.
- CIG: $1,016 per year, or about $85 per month.
- QBE: $1,018 per year, or about $85 per month.
Cheapest minimum coverage car insurance in Oregon for 60-year-olds
Drivers in Oregon who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:
- California Casualty: $320 per year, or about $27 per month.
- Geico: $410 per year, or about $34 per month.
- Travelers: $413 per year, or about $34 per month.
- Oregon Mutual: $480 per year, or about $40 per month.
- Progressive: $506 per year, or about $42 per month.
Cheapest auto insurance in Oregon for 60-year-olds with poor credit
Drivers with poor credit in Oregon can look at the following companies with the lowest average rates for full coverage:
- Kemper: $1,225 per year, or about $102 per month.
- Oregon Mutual: $1,346 per year, or about $112 per month.
- Geico: $1,399 per year, or about $117 per month.
- CIG: $1,438 per year, or about $120 per month.
- Travelers: $1,556 per year, or about $130 per month.
Cheapest auto insurance in Oregon for 60-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Oregon, here are the companies with the lowest average rates for minimum coverage:
- Geico: $492 per year, or about $41 per month.
- Travelers: $522 per year, or about $43 per month.
- CIG: $544 per year, or about $45 per month.
- Oregon Mutual: $552 per year, or about $46 per month.
- California Casualty: $573 per year, or about $48 per month.
Cheapest auto insurance in Oregon for 60-year-old drivers with one at-fault crash
For drivers with a recent accident living in Oregon, here are the companies with the lowest average rates for full coverage:
- CIG: $1,260 per year, or about $105 per month.
- Oregon Mutual: $1,336 per year, or about $111 per month.
- Travelers: $1,389 per year, or about $116 per month.
- QBE: $1,631 per year, or about $136 per month.
- Geico: $1,798 per year, or about $150 per month.
Cheapest auto insurance in Oregon for 60-year-old drivers after a DUI
The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.
- CIG: $1,362 per year, or about $114 per month.
- Progressive: $1,454 per year, or about $121 per month.
- Travelers: $1,494 per year, or about $125 per month.
- Oregon Mutual: $1,784 per year, or about $149 per month.
- Mutual of Enumclaw: $1,927 per year, or about $161 per month.
Cheapest for 70-year-old drivers
Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.
Cheapest full coverage car insurance in Oregon for 70-year-olds
Drivers in Oregon with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:
- Geico: $1,050 per year, or about $88 per month.
- CIG: $1,053 per year, or about $88 per month.
- Travelers: $1,061 per year, or about $88 per month.
- California Casualty: $1,091 per year, or about $91 per month.
- QBE: $1,109 per year, or about $92 per month.
Cheapest minimum coverage car insurance in Oregon for 70-year-olds
Drivers in Oregon who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:
- California Casualty: $386 per year, or about $32 per month.
- Geico: $418 per year, or about $35 per month.
- Travelers: $450 per year, or about $38 per month.
- CIG: $526 per year, or about $44 per month.
- Progressive: $564 per year, or about $47 per month.
Cheapest auto insurance in Oregon for 70-year-olds with poor credit
Drivers with poor credit in Oregon can look at the following companies with the lowest average rates for full coverage:
- Kemper: $1,300 per year, or about $108 per month.
- Geico: $1,432 per year, or about $119 per month.
- CIG: $1,488 per year, or about $124 per month.
- QBE: $1,683 per year, or about $140 per month.
- Oregon Mutual: $1,718 per year, or about $143 per month.
Cheapest auto insurance in Oregon for 70-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Oregon, here are the companies with the lowest average rates for minimum coverage:
- CIG: $564 per year, or about $47 per month.
- Geico: $575 per year, or about $48 per month.
- Travelers: $586 per year, or about $49 per month.
- State Farm: $683 per year, or about $57 per month.
- Oregon Mutual: $712 per year, or about $59 per month.
Cheapest auto insurance in Oregon for 70-year-old drivers with one at-fault crash
For drivers with a recent accident living in Oregon, here are the companies with the lowest average rates for full coverage:
- CIG: $1,325 per year, or about $110 per month.
- Travelers: $1,570 per year, or about $131 per month.
- Oregon Mutual: $1,720 per year, or about $143 per month.
- QBE: $1,917 per year, or about $160 per month.
- Mutual of Enumclaw: $1,925 per year, or about $160 per month.
Cheapest auto insurance in Oregon for 70-year-old drivers after a DUI
The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.
- CIG: $1,437 per year, or about $120 per month.
- Progressive: $1,633 per year, or about $136 per month.
- Travelers: $1,690 per year, or about $141 per month.
- Mutual of Enumclaw: $2,065 per year, or about $172 per month.
- State Farm: $2,281 per year, or about $190 per month.
Cheapest car insurance for military families
If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.
Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest three auto insurance options for 55 of the 70 driver profiles we examined.
Minimum auto insurance limits required in Oregon
Oregon requires drivers to carry liability insurance, uninsured motorist bodily injury coverage and personal injury protection.
Here are the minimum limits you must select for each coverage type:
$25,000 bodily injury liability per person.
$50,000 bodily injury liability per crash.
$20,000 property damage liability per crash.
$25,000 uninsured motorist bodily injury per person.
$50,000 uninsured motorist bodily injury per crash.
$15,000 personal injury protection.
Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.
Uninsured motorist coverage will cover expenses from injuries or damage after an accident with a driver who doesn’t have car insurance. Underinsured motorist coverage will cover the same expenses if you’re hit by a driver with some car insurance, but not enough to cover all costs from the crash.
Personal injury protection will cover your medical bills and expenses if you’re injured in a car crash, up to your policy limits, no matter whose fault it was. Depending on your state, PIP may also pay for:
Lost wages if you’re unable to work due to injuries from an accident.
Services you can no longer perform, like house cleaning or child care, because of your injuries.
Funeral costs if an accident-related injury leads to death.
A small death benefit as a cash payout.
See our guide to car insurance requirements by state for a detailed breakdown of how these coverages work and to learn about optional coverage types you might want to add, such as collision and comprehensive.
Alternative car insurance for high-risk drivers
If you’re denied car insurance on the voluntary market because of DUIs, at-fault crashes or other reasons, you can seek coverage through the Automobile Insurance Plan of Oregon.
For more help getting a great deal on insurance in Oregon, try NerdWallet’s car insurance comparison tool, which provides quotes from the state’s largest insurers.
For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.
For full coverage policies, we used the following coverage limits:
$100,000 bodily injury liability per person.
$300,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$100,000 uninsured motorist coverage per person.
$300,000 uninsured motorist coverage per accident.
Collision coverage with a $1,000 deductible.
Comprehensive coverage with a $1,000 deductible.
In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.
We used a 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.
We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.
We used the same assumptions for all other driver profiles, with the following exceptions:
For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.
For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.
For drivers with a DUI, we added a single drunken driving violation that happened six months ago.
We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.
These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.
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