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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.
Averages are helpful for context, but your actual rate depends on your age, vehicle, claims history, coverage limits, deductibles, and even your neighborhood.
| Policy Type | Oregon Average Annual Premium* |
|---|---|
| Minimum Coverage | $841 |
| Full Coverage | $2,121 |
*These averages are meant for comparison only. Your quote may be higher or lower.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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 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:
You can review the current minimums directly with the Oregon DMV here: Oregon DMV insurance requirements.
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:
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:
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.
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.
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.
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.
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.
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.
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.
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?
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?
If your premium feels too high, try these proven moves before cutting coverage too aggressively:
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.
