2021 Best Cheap Car Insurance in Oregon


Car insurance is a legal requirement in most states, including Oregon. But with so many insurance providers out there, finding the best car insurance in Oregon isn’t always easy. Here’s a closer look at which companies offer the cheapest rates for some of the most common driver profiles.

  • Cheapest for typical drivers: State Farm
  • Cheapest for drivers with prior accidents: State Farm
  • Cheapest for drivers with prior speeding tickets: State Farm
  • Cheapest for young drivers: COUNTRY Financial
  • Cheapest for senior drivers: Geico
  • Cheapest for drivers looking for minimum coverage: Geico
  • Cheapest for drivers with poor credit: COUNTRY Financial

Cheapest for typical drivers: State Farm

A typical 35-year-old female driver with a clean record pays about $1,785 annually for Oregon auto insurance, while a 35-year-old male with a clean record pays just $1,742 per year. State Farm beats both these averages by a considerable margin, charging both men and women an average annual premium of $1,298.

The following insurers are also among the best car insurance companies in Oregon for typical drivers:

  • Nationwide, where female drivers pay about $1,349 per year on average, and male drivers pay about $1,299 per year
  • COUNTRY Financial, where, regardless of gender, drivers pay about $1,387 per year for Oregon auto insurance

Cheapest for drivers with prior accidents: State Farm

A single accident drives up the average cost of Oregon auto insurance to $2,616 per year. But customers with an accident who choose State Farm can get the same coverage for just $1,678 per year.

These companies also offer cheap car insurance quotes in Oregon to drivers with accident histories:

  • Oregon Mutual Insurance, where these drivers pay about $1,781 per year
  • American Family, which charges drivers with one accident $1,993 per year on average

Cheapest for drivers with prior speeding tickets: State Farm

Drivers with one speeding ticket pay about $2,174 for Oregon auto insurance. But once again, State Farm offers these drivers a much more affordable rate. In this case, its average annual premium is just $1,424.

These insurers also offer cheap auto insurance in Oregon to drivers with speeding tickets:

  • Oregon Mutual Insurance, where these drivers pay about $1,462 per year on average
  • Geico, which charges drivers with one speeding ticket an average annual premium of $1,722

Cheapest for young drivers: COUNTRY Financial

Young drivers face some of the highest Oregon auto insurance premiums, with an average rate of about $4,682 per year. But COUNTRY Financial offers teen drivers coverage for a more reasonable $1,852 per year. (This is based on the profile of an 18-year-old male driver with a clean record.)

Teens can also get affordable car insurance in Oregon from these companies:

  • State Farm, where the average annual Oregon auto insurance premium for an 18-year-old driver is $3,089
  • Geico, which charges these drivers $3,440 per year on average

Cheapest for senior drivers: Geico

Senior drivers only pay about $1,599 per year for Oregon auto insurance. But those who go with Geico score an even better rate — about $947 per year on average.

These insurers also offer low-cost car insurance in Oregon to drivers 65 and older:

  • Nationwide, where the average annual premium for a 65-year-old driver is $1,124 per year
  • State Farm, where these drivers pay about $1,194 per year for car insurance

Cheapest for drivers looking for minimum coverage: Geico

Cheap liability car insurance in Oregon runs drivers about $827 per year. That’s not too bad, but drivers who choose Geico can get that same coverage for a much more wallet-friendly $489 per year.

Minimum Oregon auto insurance is also pretty reasonable with the following companies:

  • Progressive, where drivers pay about $589 per year for minimum coverage
  • State Farm, which charges about $628 per year for state minimum coverage

Cheapest for drivers with poor credit: COUNTRY Financial

COUNTRY Financial also stands out for drivers with poor credit. Its average annual premium of $1,812 for these drivers is much lower than the state average of $2,762.

Here are a few other insurers that offer decent Oregon auto insurance rates to drivers with bad credit:

  • Oregon Mutual Insurance, where these drivers pay about $2,038 per year
  • Geico, where drivers with poor credit pay about $2,078 per year on average

Average car insurance in Oregon compared to the national average

There isn’t a simple answer to the question, “How much is car insurance in Oregon?” It depends on the driver, where they live, the type of vehicle, their accident history, and more. Here’s a table showing how the state average rates for a few common driver profiles compare to the national average.



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