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Get the cheapest car insurance in Oregon

Best cheap car insurance in Oregon for 2021

The average annual cost of car insurance in Oregon is $1,300. Narrow down car insurers offering coverage in Oregon by roadside assistance, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
The AARP Auto Insurance Program from The Hartford
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
All 50 states except AK & HI
Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.

Compare up to 4 providers


Car insurance quick facts


Minimum liability requirements


Average annual car insurance cost

No time limit

Days to update your license

At-fault state

In at fault states, the driver who caused the accident pays for damages.

CompanyDirect premiums written (billions)Market share
State Farm$607,81119.8%
Liberty Mutual$262,8848.50%
COUNTRY Financial$112,6273.70%
American Family$89,3402.90%

Average car insurance costs in Oregon

When it comes to average annual insurance costs, Oregon comes in right around the 2017 national average, costing the typical driver about $1,300 a year. Michigan usually leads the pack with costs topping almost $2,400 a year, and Maine tends to cost the least — between $800 and $900 annually.

As a rule of thumb, the cheaper places in Oregon for car insurance tend to be small towns or outlying rural areas like Corvallis and Ashland.

On the other hand, car insurance rates in the Portland area tend to cost more, with the outlying suburbs of Happy Valley and Gresham averaging $1,400 to $1,600 a year for auto insurance coverage.

Which city has the cheapest car insurance in Oregon?

Of Oregon’s largest cities, Bend has the cheapest rates and Beaverton has the most expensive car insurance rates. Beaverton drivers could face rates 2 times more than Bend drivers.

Car insurance quotes in Beaverton

CompanyAnnual car insurance rate
American Family$1997

Car insurance quotes in Portland

CompanyAnnual car insurance rate
American Family$1868

Car insurance quotes in Bend

CompanyAnnual car insurance rate
American Family$1251

Car insurance quotes in Oregon City

CompanyAnnual car insurance rate
American Family$1762

Car insurance quotes in Eugene

CompanyAnnual car insurance rate
American Family$1589

State minimum requirements in Oregon

To legally drive in Oregon, you’ll need insurance that includes at least:

  • $25,000 for bodily injury, per person.
  • $50,000 for total bodily injury to others, per accident.
  • $20,000 for property damage, per accident.
  • $15,000 in personal injury protection (PIP) per person.
  • $25,000 in uninsured/underinsured motorist (UM/UIM) coverage per person.
  • $50,000 in uninsured/underinsured motorist (UM/UIM) coverage per accident.

When you’re shopping for coverage, you might see these numbers expressed as 25/50/20.

How does personal injury protection (PIP) work in Oregon?

PIP is required for all vehicles in Oregon except motorcycles. Some PIP policies come with a deductible up to a maximum of $250, while others will kick in immediately. Coverage extends up to two years after the accident.

PIP coverage in Oregon covers medical expenses, lost income and funeral expenses up to $5,000. You can also get coverage for other related expenses, such as transportation costs to visit physical therapy or childcare costs while hospitalized. Lost income coverage kicks in after missing 14 consecutive days of work and has a limit of up to 70% or $3,000 per month.

When you file a claim for PIP coverage, you’ll file through your own insurance as your primary coverage, regardless of who caused the accident. You might be asked to provide proof of these expenses when you make your claim.

Car insurance for high-risk drivers in Oregon

If you have trouble finding affordable coverage or if you’ve been denied coverage because you’re considered a high-risk driver, you can find options through the Western Association of Automobile Insurance Plans (WAAIP).

With this option, you’ll be assigned an affordable provider. Any additional risk you pose to the insurance provider is spread across the network of insurance companies that participate in the WAAIP.

Can I get SR-22 insurance in Oregon?

Yes, you can get SR-22 insurance in Oregon. SR-22 is a certificate you file with the state to prove you have the minimum liability insurance needed to hit the road. You might need this if you’re trying to reinstate your driving privileges after a suspension, if you were caught driving without car insurance or if you’re applying for a hardship or probationary permit.

Bottom line

Car insurance is a requirement for motorists in Oregon, so if you plan to drive in this state you’ll want to look into your options. By shopping around and using the tips in this article, you should be able to find affordable coverage that takes care of your car insurance needs.

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