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Best & Cheapest Oregon Car Insurance as Rated by Customers in 2020

4.67 ★★★★★
4579 customer reviews
rated their claim's experience positively
4.64 ★★★★★
104 customer reviews
rated their claim's experience positively
4.19 ★★★★★
461 customer reviews
rated their claim's experience positively
4.13 ★★★★★
16886 customer reviews
rated their claim's experience positively
4.09 ★★★★★
2059 customer reviews
rated their claim's experience positively
4.03 ★★★★★
7149 customer reviews
rated their claim's experience positively
3.96 ★★★★★
1333 customer reviews
rated their claim's experience positively
3.93 ★★★★★
746 customer reviews
rated their claim's experience positively
3.90 ★★★★★
144 customer reviews
rated their claim's experience positively
3.89 ★★★★★
143 customer reviews
rated their claim's experience positively
3.78 ★★★★★
163 customer reviews
rated their claim's experience positively
3.74 ★★★★★
545 customer reviews
rated their claim's experience positively
3.74 ★★★★★
149 customer reviews
rated their claim's experience positively
3.69 ★★★★★
90 customer reviews
rated their claim's experience positively
3.58 ★★★★★
239 customer reviews
rated their claim's experience positively
3.15 ★★★★★
87 customer reviews
rated their claim's experience positively
3.08 ★★★★★
295 customer reviews
rated their claim's experience positively
2.16 ★★★★★
133 customer reviews
rated their claim's experience positively
1.78 ★★★★★
56 customer reviews
rated their claim's experience positively

Finding the right Oregon car insurance company is important. Before you choose a company, you’ll want to make sure it treats its policyholders well. Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Oregon. With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Oregon car insurance companies.

In the table above, you can sort through all the Oregon car insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers. Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Oregon car insurance rankings.

Interested in learning more about one of these Oregon car insurance companies? You can visit the company’s profile page to find out what additional coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.

On this page:

Who offers the cheapest teen car insurance rates in Oregon?

State Farm offers the cheapest car insurance option for female teen drivers while Geico is the cheapest for male teen drivers in Oregon on average. This is based on average rates for the five largest auto insurance companies in Oregon.

Company Female teen rates Male teen rates
Farmers Insurance Group $4,210 $4,266
Geico $1,677 $1,618
Progressive $2,588 $2,699
Safeco Insurance $3,758 $3,880
State Farm Insurance Company $1,445 $1,697

These rates are based on profiles for 18-year-old male and female drivers in Oregon. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Oregon will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest car insurance rates for a married couple in Oregon?

Geico offers the cheapest car insurance rates for married couples in Oregon on average when compared with the other most popular car insurance companies in the state.

Company Married couple rates
Farmers Insurance Group $2,082
Geico $1,517
Progressive $1,541
Safeco Insurance $2,132
State Farm Insurance Company $1,783

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Oregon will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest senior car insurance rates in Oregon?

Among top five largest insurers in Oregon, Progressive provides the cheapest car insurance rates for male and female senior drivers on average.

Company Female senior rates Male senior rates
Farmers Insurance Group $839 $939
Geico $927 $945
Progressive $726 $749
Safeco Insurance $1,012 $1,152
State Farm Insurance Company $825 $825

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Oregon will differ. Rate data is provided by Quadrant Information Services.

10 Cheapest areas in Oregon for car insurance

Where you live is a large factor that helps determine your car insurance rates. In Oregon, car insurance rates are cheaper in some areas of the state. In the table below, you can see the top 10 cheapest areas in Oregon for car insurance based on average rates for single adults.

Area Car insurance rates
La Grande $1,172
Ontario $1,180
Nyssa $1,183
Union $1,183
Vale $1,185
Baker City $1,186
Central Point $1,188
Cove $1,191
North Powder $1,191
Gold Hill $1,194

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Oregon will differ. Rate data is provided by Quadrant Information Services.

10 Most expensive areas in Oregon for car insurance

When looking at the average car insurance rates in Oregon, the most expensive area of the state for car insurance is Gresham. The table below displays the top 10 most expensive areas in Oregon for car insurance based on average rates for a single adult.

Area Car insurance rates
Gresham $1,695
Fairview $1,670
Happy Valley $1,644
Troutdale $1,629
Damascus $1,628
Portland $1,618
Sandy $1,609
Boring $1,596
Colton $1,595
Eagle Creek $1,588

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Oregon will differ. Rate data is provided by Quadrant Information Services.

Minimum car insurance coverage and limits in Oregon

Unlike many other states, Oregon requires drivers to have additional coverages beyond just liability. On top of bodily injury and property damage liability, Oregon requires drivers to purchase personal injury protection (PIP), as well as uninsured motorist bodily injury.

The personal injury protection ensures that you and your passengers are covered for medical bills resulting from an accident, regardless of fault, for up to two years after the accident. In states without PIP, drivers and passengers injured in an accident caused by someone else sometimes don’t get medical payments for an extended period of time because the case ends up in court. In Oregon, you don’t have to worry about that, thanks to PIP coverage.

Oregon’s PIP minimum is $15,000, but like the minimums for the other required coverages, you should consider purchasing higher limits to better protect yourself in the event of a costly accident.

Oregon state minimum requirements:

Liability:

  • Bodily injury — $25,000 per person
  • Bodily injury — $50,000 per accident
  • Property damage — $20,000 per accident

Personal injury protection:

  • $15,000 per person

Bodily injury caused by an uninsured motorist:

  • $25,000 per person
  • $50,000 per accident

Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.

Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.

The required uninsured motorist coverage is similar to bodily injury liability coverage, but instead of covering injuries sustained by the other vehicle’s driver, it protects you and your passengers. This coverage kicks in when an accident is caused by a driver who either doesn’t have insurance or has insufficient coverage.

While uninsured motorist bodily injury is required, uninsured motorist property damage is optional. It would cover you if your car was damaged in an accident caused by an uninsured driver. In Oregon, 12.7 percent of drivers are uninsured, according to 2015 data from the Insurance Information Institute. This is the 21st highest percentage in the country.

How car insurance rates are calculated in Oregon

When searching and comparing quotes from the best auto insurance companies in Oregon, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How to save money on your car insurance in Oregon

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best Oregon car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How Clearsurance rates and ranks the best car insurance companies in Oregon

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

  • Price
  • Customer Service
  • Claim service
  • Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Car insurance guide

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.