Last Updated on January 1, 2026

Oregon car insurance is often cheaper than full coverage in many states, but rates still vary widely by city, ZIP code, and driving history. A driver in Portland may pay a very different premium than a driver in Bend or Medford—even with the same vehicle and coverage.

Recent rate data puts the average cost of car insurance in Oregon at about $2,121 per year for full coverage and $841 per year for minimum coverage. Full coverage in Oregon is lower than the national average in many studies, but minimum coverage can be close to (or slightly above) the U.S. average depending on the dataset and driver profile.

If you want a quick benchmark for what drivers pay nationally, see the rest of the United States—then compare that to your own Oregon quotes.

Key Takeaways

1. Oregon Full Coverage Is Often Below National Full Coverage: Recent averages put Oregon around $2,121/year for full coverage and about $841/year for minimum coverage, but your ZIP code and driving record matter most.
2. Oregon Requires PIP and Uninsured Motorist Coverage: Minimum insurance isn’t just liability—Oregon also requires $15,000 PIP and 25/50 uninsured motorist bodily injury coverage.
3. Driving Uninsured Can Trigger Fines and SR-22 Filings: Driving uninsured is typically a Class B traffic violation with fines up to $1,000, and Oregon may require SR-22 proof of coverage afterward.
4. Biggest Savings Usually Come From Comparing Quotes: Shopping 3+ insurers with the same limits and deductibles—and stacking discounts—can save Oregon drivers hundreds per year.

Average Cost of Car Insurance in Oregon

Averages are helpful for context, but your actual rate depends on your age, vehicle, claims history, coverage limits, deductibles, and even your neighborhood.

*These averages are meant for comparison only. Your quote may be higher or lower.

Top 10 Auto Insurance Companies in Oregon

The best car insurance company in Oregon depends on what you value most—lowest price, best claims experience, local agents, or strong discounts. Start by comparing quotes from several of the insurers below.

1) USAA

USAA is frequently one of the best-value options for eligible military members and their families. It often combines strong customer satisfaction with competitive pricing. If you qualify, start here: USAA auto insurance policy cost.

2) State Farm

State Farm has a strong footprint in Oregon and a large agent network. It can be a solid option if you like working with an agent and want predictable coverage choices.

3) GEICO

GEICO is popular for online shopping, straightforward quoting, and frequent discount opportunities. If you’re comparing carriers, it’s also worth reading whether you can really save 15% by switching to GEICO so you know what to expect from marketing vs. real-world savings.

4) Progressive

Progressive is often competitive for a wide range of drivers and can be a strong option if you’re shopping after a ticket, need flexible coverage add-ons, or want to consider usage-based programs.

5) Travelers

Travelers is a strong nationwide option with many coverage add-ons and bundling opportunities. It can be especially appealing if you want to pair auto with homeowners or renters insurance.

6) PEMCO

PEMCO is a well-known regional insurer in the Pacific Northwest. It can be a great quote to compare if you prefer a more regional approach versus a massive national carrier.

7) Country Financial

Country Financial can be a strong choice for drivers who value working with an agent and want coverage tailored to their situation—especially outside major metro areas.

8) Oregon Mutual

Oregon Mutual Insurance Company is an Oregon-based insurer that offers auto and other lines through agents. It’s worth comparing if you prefer a local carrier and want to explore bundling discounts.

9) Grange

Grange is another carrier many drivers compare for a balance of coverage options and pricing. It can be a good “middle of the pack” quote to include as a reference point.

10) California Casualty

California Casualty is known for serving certain professional groups and affinity programs. If you qualify through your profession or association, it can be worth checking for group-based discounts.

Oregon Minimum Car Insurance Requirements

Oregon drivers must carry liability coverage at all times. At a minimum, your policy must include bodily injury liability coverage and property damage liability coverage, plus Oregon’s required personal injury protection (PIP) and uninsured motorist coverage.

Oregon DMV minimum insurance limits include:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per crash
• $20,000 property damage liability per crash
• $15,000 personal injury protection (PIP) per person
• $25,000 / $50,000 uninsured motorist bodily injury coverage (per person / per crash)

You can review the current minimums directly with the Oregon DMV here: Oregon DMV insurance requirements.

Optional Coverages Worth Considering in Oregon

Minimum coverage keeps you legal—but it may not protect your own vehicle or your finances in a serious crash. Many Oregon drivers add (or upgrade) coverage like:

• Collision: Helps pay to repair your car after a crash (even if you’re at fault).
• Comprehensive: Helps cover theft, vandalism, glass damage, animal collisions, hail, and falling objects.
• Higher liability limits: Often the best “value” upgrade to protect savings and income.
• Rental reimbursement and roadside assistance: Helpful if your car is in the shop after a covered claim.

Driving Without Insurance in Oregon

Driving without insurance in Oregon can get expensive fast. Beyond fines, you may face license and registration consequences, and a coverage lapse can make future premiums much higher.

Common consequences can include:

• Class B traffic violation fines: The presumptive fine for a Class B violation is commonly around $265, but the court can impose a higher fine (up to $1,000) depending on circumstances.
• SR-22 requirement: Oregon may require an SR-22 filing after a conviction for driving uninsured or after certain uninsured accidents (details below).
• Vehicle-related consequences: You may face a vehicle registration suspension, and in some cases your car could be impounded.

If you’re insured but didn’t have proof on you, Oregon law may allow the court to dismiss the charge if you provide valid proof of coverage by the deadline. Learn more about what typically happens here: ticket for no proof of insurance.

SR-22 Insurance in Oregon

An SR-22 is not a separate insurance policy. It’s a certificate your insurance company files with the DMV to prove you’re carrying coverage that meets Oregon’s requirements.

Oregon DMV explains when an SR-22 may be required (including driving uninsured convictions, certain crashes while uninsured, DUII, and hardship permits). You can read the official overview here: Oregon DMV SR-22 information.

Important Update for 2026

Starting January 1, 2026, Oregon shortened the SR-22 requirement for a driving uninsured conviction (ORS 806.010) from three years to one year. However, uninsured accidents can still trigger different requirements, and some situations may still require a longer SR-22 period.

If you’re unsure how long you’ll need it in your situation, this guide explains the ranges and what can extend the requirement: how long does an SR-22 last?

One key rule: avoid any lapse. An insurance lapse during an SR-22 requirement can trigger a suspension and restart the reinstatement process.

If you’re having trouble getting approved with standard insurers, you may need a carrier that specializes in high-risk policies. For example, some drivers consider providers like The General, depending on eligibility and pricing in Oregon.

How Tickets and Claims Affect Oregon Car Insurance Rates

Insurers don’t treat violations and claims the same way. Two drivers with the same ticket can get two very different price increases depending on their prior record and the insurer’s underwriting rules.

Car Insurance in Oregon With DUI

A DUI can cause one of the largest premium increases you’ll ever see. Some carriers may also require SR-22 filings. If you’re trying to understand the typical impact, see how much insurance goes up after a DUI.

Car Insurance in Oregon With At-Fault Accidents

At-fault accidents usually raise rates at renewal, especially if there were injuries or significant damage. If you’ve been claim-free for years, check whether your insurer offers accident forgiveness, which can help reduce the impact of a first qualifying accident.

Not every fender bender needs to become an insurance claim. Here’s a practical guide on whether you need to get insurance involved after a small accident.

Car Insurance in Oregon With Speeding Tickets

One minor speeding ticket may have a smaller impact than a DUI or at-fault crash, but repeated violations can make you look high-risk. The best “discount” is time—keeping a clean driving record is one of the most reliable ways to keep premiums from jumping.

Car Insurance in Oregon for Young Drivers

Drivers under 25 typically pay more because insurers view them as statistically riskier. Premiums often trend down as you gain experience—many drivers notice meaningful improvement around this milestone: do car insurance rates drop at age 25?

Car Insurance in Oregon With Poor Credit

Many insurers use a credit-based factor when pricing policies. If your score is dragging your premium up, shop more than usual—some companies weigh credit more heavily than others. Learn how it works here: what is my car insurance score?

How to Get Cheaper Car Insurance in Oregon

If your premium feels too high, try these proven moves before cutting coverage too aggressively:

• Compare 3+ quotes with the same coverage limits and deductibles.
• Raise deductibles if you can afford the out-of-pocket cost after a claim.
• Bundle policies (auto + renters/home) for multi-policy discounts.
• Ask about telematics or low-mileage programs if you drive less.
• Review coverage annually—a move, a new car, or a shorter commute can change everything.

FAQs on Car Insurance in Oregon

Conclusion: How to Find the Best Auto Insurance in Oregon

Finding the best auto insurance in Oregon comes down to matching the right coverage to your budget and risk—then comparing multiple companies to find the best price for that exact policy.

Shop around at least once per year (or at renewal), keep continuous coverage, and use discounts strategically. Those three habits alone can save Oregon drivers hundreds over time.