10 Best Auto Insurance Companies in Oregon for 2025
The best auto insurance companies in Oregon are State Farm, The Hartford, and Geico. Oregon car insurance rates start at $45 per month. Safe drivers in Oregon can save up to 30%. The top Oregon car insurance companies have local agents for dependable claims help and meeting drivers' needs statewide.
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Insurance Content Creator
Lia Vergin develops both video and written content across all lines of insurance, with a primary focus on auto, home, and life coverage. She is dedicated to helping consumers better understand and navigate their insurance options. Driven by a passion for saving money and finding great deals, she is committed to creating clear, engaging, and practical content that empowers readers to make confident...
Lia Vergin
Managing Editor
Daniel S. Young began his professional career as chief editor of The Chanticleer, a Jacksonville State University newspaper. He also contributed to The Anniston Star, a local newspaper in Alabama. Daniel holds a BA in Communication and is pursuing an MA in Journalism & Media Studies at the University of Alabama. With a strong desire to help others protect their investments, Daniel has writt...
Daniel S. Young
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Michelle Robbins
Updated November 2025
The best auto insurance companies in Oregon are State Farm, The Hartford, and Geico. Geico car insurance in Oregon starts at $45 per month.
- State Farm leads Oregon car insurance for local claims support
- Geico’s minimum coverage starts at just $45 per month
- Oregon drivers save up to 40% with discounts and safe driving
State Farm stands out for its consistent pricing and trusted service through local agents in offices across the state.
The Hartford is among the best auto insurance companies in Oregon for seniors with AARP memberships.
Top 10 Companies: Best Auto Insurance in Oregon| Company | Rank | Claims Satisfaction | A.M. Best | Best for |
|---|---|---|---|---|
 | #1 | 648 / 1,000 | A++ | Local Agents |
 | #2 | 645 / 1,000 | A+ | Bundling Policies |
 | #3 | 631 / 1,000 | A++ | Budget Rates |
 | #4 | 626 / 1,000 | A | Custom Policies |
 | #5 | 625 / 1,000 | A+ | Usage Based |
 | #6 | 621 / 1,000 | A+ | Claims Satisfaction |
 | #7 | 620 / 1,000 | A | Safe Drivers |
 | #8 | 607 / 1,000 | A+ | High-Risk Drivers |
 | #9 | 581 / 1,000 | A++ | Discount Variety |
 | #10 | 578 / 1,000 | A | Bundling |
Oregon drivers can lower their insurance rates with competitive usage-based, anti-theft, and multi-policy discounts from these top companies.
If you’re looking for coverage to drive legally in Oregon, enter your ZIP code to compare cheap auto insurance quotes near you.
Cheapest Auto Insurance in Oregon
In Oregon, car insurance costs vary depending on your provider and coverage type. Geico offers the lowest rates, starting at $45 for minimum coverage and $101 for full coverage.
If you’re with State Farm or Progressive, you’ll pay around $50 for minimum and just over $100 for full coverage. Many drivers choose State Farm car insurance in Oregon for steady pricing and local agent support.
Oregon Auto Insurance Monthly Rates by Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $58 | $128 |
| $52 | $115 |
| $53 | $116 |
| $45 | $101 |
| $54 | $117 |
| $55 | $118 |
| $49 | $111 |
| $50 | $109 |
| $57 | $120 |
| $51 | $108 |
Oregon insurance minimums require personal injury protection, which is why rates are higher than in other states.
If you’re comparing medical coverage too, our guide to the best health insurance companies in Oregon highlights affordable plans for individuals and families statewide.
How Age Changes Oregon Auto Insurance Rates
Auto insurance costs in Oregon vary significantly by age. Younger drivers, especially 18-year-olds, pay the most.
Allstate averages $171 a month, while Geico offers a lower $121 (Learn More: Cheap Auto Insurance for Teens).
Oregon Auto Insurance Monthly Rates by Age| Company | Age: 18 | Age: 25 | Age: 35 | Age: 45 |
|---|---|---|---|---|
| $171 | $99 | $88 | $58 |
| $125 | $70 | $72 | $52 |
| $154 | $91 | $67 | $53 |
| $121 | $64 | $88 | $45 |
| $157 | $92 | $65 | $54 |
| $135 | $76 | $68 | $55 |
| $150 | $66 | $63 | $49 |
| $128 | $73 | $64 | $50 |
| $140 | $80 | $70 | $57 |
| $158 | $87 | $57 | $51 |
By age 25, rates drop sharply, with Geico around $64 a month and Progressive close behind at $66 monthly.
Geico car insurance in Oregon remains a popular choice among younger drivers due to its affordable rates and flexible coverage options.
Finding the right car insurance in Oregon means knowing your coverage needs, checking for discounts, and comparing multiple quotes before choosing a policy.
Jeff Root Licensed Insurance Agent
This clearly shows that as Oregon drivers gain experience, their monthly premiums decrease significantly across all insurers
Geico continues to lead in affordability across all age groups, while Allstate, Liberty Mutual, and Travelers remain on the higher end.
Where You Live Impacts Oregon Car Insurance Costs
Auto insurance rates in Oregon vary slightly by city, with most areas averaging between $60 and $64 per month for minimum coverage.
If you live in Portland, Eugene, or Salem, expect to pay slightly higher premiums due to heavier traffic and higher claim rates.
Smaller towns such as La Pine, Vernonia, and Prairie City generally see lower costs. Same with coastal and rural areas, although you may want to add comprehensive coverage for weather-related claims.
Overall, city drivers pay more due to higher traffic, accident risks, and population density, which also affects the cost of insurance for high-risk Oregon drivers.
Read More: At-Fault Accident: What it Means & How it Affects Insurance Rates
Your Driving Record & Oregon Auto Insurance Rates
In Oregon, your driving record plays a significant role in determining the cost of your car insurance. Drivers with clean records tend to receive the lowest rates, while those with accidents, tickets, or DUIs tend to see higher premiums.
Maintaining a clean driving record remains the best way to keep affordable coverage and lower your rates compared to the average cost of auto insurance in Oregon.
Oregon Auto Insurance Monthly Rates by Driving Record| Company | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| $58 | $84 | $144 | $60 |
| $52 | $68 | $108 | $66 |
| $53 | $95 | $109 | $68 |
| $45 | $59 | $95 | $47 |
| $54 | $83 | $138 | $61 |
| $55 | $72 | $113 | $58 |
| $49 | $87 | $143 | $62 |
| $50 | $67 | $81 | $63 |
| $57 | $91 | $122 | $65 |
| $51 | $107 | $136 | $64 |
Geico offers some of the most budget-friendly options for safe drivers, keeping rates competitive even after minor violations. In comparison, Allstate and Progressive tend to raise prices more sharply for serious offenses, such as DUIs.
Insurers such as State Farm and American Family remain relatively steady, making them a better fit for drivers with a few marks on their record.
How Credit Score Changes Oregon Car Insurance Rates
In Oregon, your credit score can make a noticeable difference in what you pay for car insurance each month. Maintaining good credit can lead to meaningful savings on your car insurance in Oregon, no matter which company you choose.
Drivers with excellent credit (typically 700 and above) pay the least, while those with poor credit see higher premiums.
Oregon Auto Insurance Monthly Rates by Credit Score| Company | Excellent (800+) | Good (670-799) | Fair (580-669) | Poor (<580) |
|---|---|---|---|---|
| $58 | $52 | $78 | $110 |
| $52 | $47 | $70 | $99 |
| $53 | $48 | $72 | $101 |
| $45 | $40 | $61 | $86 |
| $54 | $49 | $73 | $103 |
| $55 | $50 | $74 | $104 |
| $49 | $44 | $66 | $93 |
| $50 | $45 | $68 | $95 |
| $57 | $51 | $77 | $108 |
| $51 | $46 | $69 | $97 |
Geico consistently offers some of the most affordable rates across all credit tiers, with monthly costs ranging from around $45 for top credit scores to under $90 for lower ones.
In comparison, companies like Allstate and The Hartford tend to charge more as credit scores drop, reaching over $100 for drivers with poor credit.
Read More: These 3000 People Got Auto Insurance Right
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Meeting Oregon Auto Insurance Requirements
Oregon is an at-fault insurance state, which means the driver responsible for an accident is also responsible for covering the damages (Learn More: Auto Insurance Requirements by State).
To legally drive, every Oregon motorist must carry a minimum level of coverage to meet the state’s financial responsibility laws. Here’s what’s required:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $20,000 in property damage liability per accident
In addition to these, Oregon requires two more insurance policies that many states don’t require.
While these minimums keep you legal, they may not offer enough protection after a major crash or costly repair.
- $15,000 per person in personal injury protection (PIP), which
- $25,000 per person and $50,000 per accident in uninsured/underinsured motorist (UM/UIM) protecting you if you’re hit by someone without enough insurance.
Personal injury protection covers medical expenses and lost wages after an accident, no matter who caused it.
UM/UIM coverage protects you if you’re hit by someone with no insurance or not enough coverage.
Many drivers in Oregon choose higher limits or add options like collision and comprehensive coverage.
These extras can help cover damage from theft, weather, or accidents that go beyond basic liability.
Ways to Save on Oregon Auto Insurance
Most Oregon insurance companies offer multiple ways to lower monthly premiums through discounts and smart coverage choices.
Drivers can save by bundling home and auto policies, using anti-theft features, enrolling in usage-based programs, or maintaining clean driving records.
Top Auto Insurance Discounts in Oregon| Company | Anti-Theft | Bundling | Good Driver | Usage-Based |
|---|---|---|---|---|
| 10% | 25% | 25% | 40% |
| 25% | 25% | 25% | 20% |
| 10% | 20% | 30% | 30% |
| 25% | 25% | 26% | 25% |
| 35% | 25% | 20% | 30% |
| 5% | 20% | 40% | 40% |
| 25% | 10% | 30% | $231/yr |
| 15% | 17% | 25% | 30% |
| 10% | 5% | 15% | 20% |
| 15% | 13% | 10% | 30% |
Nationwide and Allstate lead with up to 40% savings through usage-based discounts like SmartRide and Drivewise.
Geico and American Family provide balanced savings options across different categories, while Liberty Mutual offers up to 35% off for anti-theft systems.
Beyond standard discounts, Oregon drivers can further cut costs with simple, practical steps.
Simple adjustments like these can make a noticeable difference in your car insurance costs each month while helping you stay protected.
- Maintain Good Credit: Insurers often factor credit scores into pricing. A higher score can lead to lower monthly premiums.
- Pay Premiums in Full: Paying every six or twelve months instead of monthly often qualifies for a paid-in-full discount.
- Opt for Paperless Billing or Auto-Pay: Choosing electronic statements or automatic payments can unlock easy, small savings.
- Complete a Defensive Driving Course: Taking a certified driving course may qualify you for additional discounts, especially if you’re a new or senior driver.
- Drive Fewer Miles: If you work from home or have a short commute, you may qualify for a low-mileage discount based on reduced driving risk.
Even if you have a less-than-perfect driving record, paying premiums in full and reducing your daily mileage can help lower Oregon insurance costs.
Always compare multiple companies to see which offers the best discounts and rates based on your unique driving profile.
Top Auto Insurance Providers in Oregon
Oregon car insurance is heavily influenced by several major insurers that offer cheap prices, reliable coverage, and easy-to-use mobile resources.
State Farm dominates Oregon auto insurance with a 29% market share. Notably, Progressive has a 25% share.
Geico holds 18% of the market, favored for its low rates and online tools, while Farmers and Allstate each capture 14%, appealing to drivers who value strong customer support and customizable options.
Oregon’s top auto insurance providers set the standard for reliability, claims service, and savings. Understanding how to compare auto insurance companies helps drivers recognize which offer the best mix of competitive pricing and dependable support.
#1 – State Farm: Top Overall Pick
Pros
- Personalized Support: As one of the best auto insurance companies in Oregon, State Farm offers hands-on service from local agents who understand regional driving needs.
- Reliable Claims Experience: Oregon drivers appreciate fast, in-person help during claims, with strong customer satisfaction ratings across the state.
- Consistent Value: Long-term policyholders benefit from annual coverage check-ins and steady pricing that rewards safe driving and loyalty.
Cons
- Slower Online Quotes: Some Oregon drivers find the quote process slower since State Farm relies heavily on in-person consultations.
- Fewer App-Based Discounts: Compared to other auto insurance companies in Oregon, digital savings programs are less robust. See our State Farm insurance review for more.
#2 – The Hartford: Best for Bundling Policies
Pros
- Strong Bundling Savings: Among the best auto insurance companies in Oregon, The Hartford offers sizable savings when combining auto and home policies.
- Tailored for Experienced Drivers: Its coverage options cater especially well to older and AARP members seeking dependable protection.
- Efficient Claims Process: Oregon drivers value its quick, organized claims response, particularly after severe weather or collision events.
Cons
- Higher Premiums: Younger drivers often pay more than older drivers do, even with the best auto insurance companies in Oregon.
- Limited Availability: Some programs aren’t available to all drivers. Based on our The Hartford insurance review, these offers mainly benefit AARP members.
#3 – Geico: Best for Budget Rates
Pros
- Lowest Average Rates: Being one of Oregon’s top auto insurance companies for frugal drivers, Geico charges about $45 per month for minimum coverage.
- Seamless Digital Experience: Its user-friendly app and online tools make managing policies fast and convenient.
- Transparent Pricing: Oregon drivers appreciate Geico’s honest quoting and billing.
Cons
- Less Local Support: Unlike some best auto insurance companies in Oregon, Geico lacks in-person agents for hands-on help.
- Limited Specialty Options: Fewer add-on coverages are available for drivers with unique vehicle or lifestyle needs, as noted in our Geico insurance review.
#4 – American Family: Best for Custom Policies
Pros
- Flexible Policy Options: As one of the best auto insurance companies in Oregon, American Family lets drivers tailor coverage to fit household and vehicle needs.
- Family-Focused Discounts: Oregon drivers often save through multi-vehicle and loyalty programs designed for family households.
- Local Agent Access: Its strong network of Oregon agents helps simplify coverage updates and claims.
Cons
- Slightly Higher Rates: Base premiums can be more expensive than other best auto insurance companies in Oregon for minimal coverage plans.
- Slower Claims Process: Some Oregon customers report longer wait times for claim resolution, as mentioned within our American Family insurance review.
#5 – Nationwide: Best for Usage Discounts
Pros
- SmartRide & SmartMiles: Nationwide stands out among the best car insurance companies in Oregon with its innovative pay-per-mile and safe-driving programs.
- Well-Rated Brand: It provides dependable financial backing and policy flexibility for Oregon drivers.
- Consistent Discounts: Safe and low-mileage drivers enjoy some of the state’s highest percentage savings.
Cons
- Credit Impact on Rates: Drivers with lower credit scores may pay higher premiums than those with better credit scores.
- Less Intuitive Quote System: Some users find the online quoting platform less user-friendly, as highlighted in our Nationwide insurance review.
#6 – Allstate: Best for Claims Satisfaction
Pros
- Strong Customer Benefits: The claims satisfaction guarantee gives Oregon policyholders added peace of mind.
- Drivewise Technology: Allstate ranks among the best auto insurance companies in Oregon for tech-based discounts that reward safe driving.
- Comprehensive Coverage Choices: Drivers have access to extensive add-ons like accident forgiveness and new car replacement.
Cons
- Higher Starting Rates: Premiums are often higher than competitors’ among the best auto insurance companies in Oregon.
- Discount Availability Varies: Savings programs differ by ZIP code, making pricing less predictable, as discussed along with our Allstate insurance review.
#7 – Farmers: Best for Safe Drivers
Pros
- Safe Driver Rewards: Farmers is one of the best auto insurance companies in Oregon for drivers with clean records, offering solid savings through its Signal app.
- Comprehensive Coverage Options: Oregon drivers can choose from a wide range of coverage types, including accident forgiveness and new car replacement.
- Strong Local Presence: Farmers also has local agents throughout Oregon who can offer the type of guidance that is often missing at larger insurers.
Cons
- Above-Average Premiums: Rates can be slightly higher compared to other best auto insurance companies in Oregon offering similar coverage.
- Discounts Vary by Area: Some discounts depend heavily on location, reducing consistency statewide, with regard to our Farmers insurance review.
#8 – Progressive: Best for High-Risk Drivers
Pros
- Snapshot Program: Progressive stands out among the best auto insurance companies in Oregon for rewarding safe driving with usage-based savings.
- Great for High-Risk Drivers: It’s a strong choice for Oregon drivers with tickets, accidents, or DUIs looking for affordable coverage.
- Easy Digital Experience: The online quote system and mobile app are among the most user-friendly in the industry.
Cons
- Rate Fluctuations: Prices can rise significantly after the initial term compared to other best auto insurance companies in Oregon.
- Customer Support Varies: Some Oregon policyholders report inconsistent experiences with claim handling, following our Progressive insurance review.
#9 – Travelers: Best for Discount Variety
Pros
- Good Discount Mix: It offers multiple savings opportunities for safe driving, bundling, and hybrid or electric vehicles.
- Customizable Plans: Travelers is one of the best auto insurance companies in Oregon for drivers who want flexible add-ons like gap coverage and roadside assistance.
- Strong Financial Stability: Oregon drivers value the company’s long history and A++ financial strength rating. Explore our Travelers insurance review for more insight.
Cons
- Higher Cost for Young Drivers: Rates for teen and inexperienced drivers can be higher than average among the best auto insurance companies in Oregon.
- Limited Online Features: Its digital tools are less advanced compared to tech-heavy competitors.
#10 – Liberty Mutual: Best for Bundling
Pros
- Bundle-Friendly Policies: Oregon customers benefit from combining home and auto for significant multi-policy discounts.
- Strong Anti-Theft Savings: Drivers can save up to 35% by installing vehicle safety systems. Explore our Liberty Mutual insurance review for details on these savings.
- Extensive Add-Ons: Liberty Mutual ranks among the best auto insurance companies in Oregon for optional coverages like accident forgiveness and new car replacement.
Cons
- Higher Full-Coverage Rates: Liberty Mutual’s premiums for full coverage often exceed those of other best auto insurance companies in Oregon.
- Mixed Customer Reviews: Some drivers report less consistent claim experiences compared to more service-focused insurers.
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Oregon’s Smart Choice for Auto Insurance
Choosing among the best auto insurance companies in Oregon, like State Farm, The Hartford, and Geico, gives drivers a smart balance of affordability and reliability.
With rates starting around $45 per month, these providers offer dependable coverage, helpful support, and savings that fit every driving need.
Oregon drivers save the most when they bundle home and auto insurance, keep a clean driving record, and review their coverage every year for better rates.
Melanie Musson Published Insurance Expert
Comparing quotes from Oregon’s top insurers helps you find a policy that fits your budget. Always get multiple auto insurance quotes to find the best deal.
To find out if you can get cheaper auto insurance rates, enter your ZIP code into our free quote tool to instantly compare prices from various companies near you.
Frequently Asked Questions
What is the best car insurance in Oregon?
State Farm, The Hartford, and Geico are the best auto insurance companies in Oregon. State Farm and Geico are the cheapest, while The Hartford has the best Oregon auto insurance for seniors.
What is the cheapest auto insurance in Oregon?
The best prices for Geico in Oregon are around $45 a month for the minimum policy. State Farm and Progressive claim the second-place position. Oregon car insurance costs all depend on your age, history as a driver, and the type of coverage.
What is the minimum auto insurance required in Oregon?
What are the car insurance limits in Oregon? To legally drive, you must carry at least $25,000 bodily injury per person, $50,000 per accident, $20,000 property damage, $15,000 PIP, and $25,000/$50,000 uninsured motorist coverage. These minimums protect you and others in case of an accident.
Do you need full coverage on a financed car in Oregon?
Yes. If your car is leased or financed, the lender needs to ensure their investment is covered in the event of loss or theft. For this reason, all lenders require comprehensive insurance. It is typically done that way in the event of a collision, such as when your car is backed into and you do not have the money.
Can someone drive my car if they are not on my insurance in Oregon?
Yes, as long as you’ve given permission, your liability coverage generally follows the car, not the driver. However, coverage can vary by policy, so check with your insurer to confirm if occasional drivers are included or if they need to be explicitly listed.
Why are some insurance companies leaving Oregon?
A few insurers have scaled back operations due to rising repair costs, weather-related claims, and regulatory limits on premium increases. These factors make it harder for insurers to manage losses, leading some to pause new auto policies rather than exit entirely.
Is Oregon a no-pay, no-play state?
Yes. Oregon is a no-pay, no-play state, which means uninsured drivers can’t claim compensation for non-economic damages, like pain and suffering, after an accident, even if they weren’t at fault. You must carry at least the state’s minimum liability insurance to be fully protected.
When did car insurance become mandatory in Oregon?
Car insurance became mandatory in Oregon in 1975 when the state passed laws requiring proof of financial responsibility. Since then, all registered drivers must carry at least the minimum liability and uninsured motorist coverage to drive legally.
How is fault determined in a car accident in Oregon?
Oregon uses a modified comparative negligence system, meaning fault is divided between drivers. If you’re more than 50% at fault, you can’t recover damages. Police reports, witness statements, and insurer investigations help determine responsibility after a crash.
What happens if I drive uninsured in Oregon?
Driving uninsured in Oregon is illegal and can result in fines, license suspension, and vehicle impoundment. The DMV may also require you to file an SR-22 certificate for up to three years, proving you have the required liability coverage.
How can I reduce my car insurance in Oregon?
How long after a car accident can you file a claim in Oregon?
What is the average cost of car insurance per month in Oregon?
Does car insurance follow the car or the driver in Oregon?
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