Best Car Insurance in Oregon for 2025 [Review the Top 10 Companies Here]
The best car insurance Oregon are Progressive, Geico, and Farmers. Progressive takes the lead with its rates starting at $39 per month, providing value-conscious coverage for cost-conscious drivers. Geico offers low prices and discounts, while Farmers stands out for its safe driving rewards through the signal app.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Mar 17, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.
19,116 reviewsCompany Facts
Full Coverage in Oregon
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
2,903 reviewsCompany Facts
Full Coverage in Oregon
A.M. Best Rating
Complaint Level
Pros & Cons
2,903 reviewsThe best car insurance in Oregon is provided by Progressive, Geico, and Farmers, with the lowest rates beginning at $39 a month by Progressive.
Progressive suits cost-conscious drivers, while Geico offers competitive premiums and an easy-to-use mobile app. Farmers compensate safe drivers with the signal app and bundling discounts.
Our Top 10 Company Picks: Best Car Insurance in Oregon
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 10% | A+ | Tight Budgets | Progressive |
 | #2 | 25% | A++ | Affordable Rates | Geico |
 | #3 | 20% | A | Signal App | Farmers |
 | #4 | 17% | B | Teen Discounts | State Farm |
 | #5 | 25% | A+ | Agent Network | Allstate |
 | #6 | 25% | A | Quick Claims | Liberty Mutual |
 | #7 | 25% | A | Loyalty Rewards | American Family |
 | #8 | 13% | A++ | Unique Coverage | Travelers |
 | #9 | 10% | A++ | Military Savings | USAA |
 | #10 | 20% | A+ | Accident Forgiveness | Nationwide |
Use this car insurance guide to compare car insurance rates and find the best policy for your needs. Explore your car insurance options by entering your ZIP code and finding which companies have the lowest rates.
- Progressive offers top coverage with big discounts and perks
- Geico provides best car insurance in Oregon with a top-rated app
- Farmers rewards safe drivers with Signal and bundling discounts
#1 – Progressive: Best for Budget-Friendly Rates
Pros
- Low-Cost Plans: Progressive car insurance review indicates that the company provides cheap auto insurance in Oregon, with plans as low as $30/month.
- Savings for Safe Drivers: Oregon drivers can save up to 30% with the Snapshot® program by proving their safe driving practices.
- Personalized Protection: Progressive provides options such as collision, comprehensive, and affordable auto insurance in Oregon for different requirements.
Cons
- Increased Premiums for Risky Drivers: Drivers with a bad driving history, like accidents or DUIs, might pay higher premiums than others.
- Limited Local Agent Network: Progressive Car Insurance points out that the company has fewer direct agents in Oregon, which is less convenient for customers who prefer direct service.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
#2 – Geico: Best for Affordable Auto Insurance 
Pros
- Affordable Coverage: According to the Geico car insurance review, Geico offers Oregon motorists affordable policies from $30/month.
- Stable Financial Strength: The A++ rating from A.M. Best indicates that Geico provides stability to policyholders seeking auto insurance in Oregon.
- Convenient Mobile Access: Geico’s mobile app allows users to easily manage claims, access ID cards, and change policy information.
Cons
- Fewer Discounts for High-Risk Drivers: Unlike a few competitors, Geico offers few discounts for drivers with accidents, DUIs, or bad credit.
- Little In-Person Support: Those who prefer in-person help might find Geico’s absence of local agents in Oregon a hassle.
#3 – Farmers: Best for Safe Driving Discounts
Pros
- Signal® App Rewards Safe Oregon Drivers: Oregon policyholders who use the Farmers’ Signal® app can earn up to a 15% discount by showing safe driving.
- Extended Coverage for Specialized Vehicles: Farmers delivers Oregon car insurance specifically designed for classic, custom, and rideshare vehicles to provide extended coverage.
- Substantial Savings with Bundled Policies: Oregon citizens can reduce their expenses by as much as 20% by bundling home or renters coverage with average monthly car insurance.
Cons
- Higher Premiums Than Some Competitors: Compared to insurers like Geico and Progressive, Farmers’ average monthly car insurance rates in Oregon are typically higher unless discounts apply.
- Mobile App Performance Issues: Some Oregon customers report glitches with the Farmers app, impacting claim submissions and policy management in Farmers car insurance review.
#4 – State Farm: Best for Teen Driver Discounts
Pros
- Teen Discounted Coverage That’s Affordable: Families may save up to 25% on teen driver coverage through Steer Clear®, making cheap auto insurance in Oregon possible.
- Extended Agent Availability: State Farm’s wide presence throughout Oregon provides individualized service from local agents.
- Lower Premiums for Safe Drivers: Accident-free policyholders with clean records get accident-free discounts, reducing premiums over time.
Cons
- Higher Premiums for Risky Drivers: Individuals with bad credit or traffic tickets can be charged high rates, unlike some of its competitors.
- Lacks Sophisticated Digital Features: Unlike Geico or Progressive, the app is not as full-featured for claims and policy management in this State Farm car insurance review.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
#5 – Allstate: Best for Personalized Agent Support
Pros
- Widespread Agent Support: With a vast network of agents, Allstate car insurance review highlights how policyholders can easily access in-person assistance across the state.
- Protection from Premium Hikes: Oregon drivers can benefit from accident forgiveness, preventing rate increases after their first at-fault accident.
- Trustworthy Claims Experience: With more than average claims satisfaction, Allstate provides an efficient experience that earns high marks for Oregon car insurance.
Cons
- Costly Minimum Coverage Policies: Oregon motorists looking for basic state-mandated coverage could pay higher costs than other competitors based on Allstate’s market share.
- Possible Policy Cancellation Charges: You could face early termination penalties if you cancel an Allstate policy in Oregon before its term ends.
#6 – Liberty Mutual: Best for Fast Claims Processing
Pros
- Prompt Claims Settlement: Liberty Mutual car insurance review emphasizes the firm’s quick claims service, enabling Oregon motorists to return to the road without interruptions.
- Bundling Savings: Liberty Mutual provides cheap car insurance for Oregon motorists by bundling auto with home, renters, or life insurance for up to 25% savings.
- New Car Replacement Benefit: Liberty Mutual has a new car replacement policy for Oregon motorists, with you covered in case your vehicle is declared totaled during the first year or 15,000 miles.
Cons
- Higher Rates for Low Credit: Oregon motorists with low credit could pay higher premiums with Liberty Mutual, which might be more expensive than other options.
- Fewer Discounts for Violations: Oregon traffic violators can find it challenging to get inexpensive car insurance in Oregon quotes with Liberty Mutual since there are few discount possibilities.
#7 – American Family: Best for Loyalty Rewards
Pros
- Loyalty Benefits for Returning Customers: Staying with the American Family for many years unlocks rewards and discounts, establishing it as a top choice among insurance companies in Oregon.
- Full Policy Options: As pointed out in this American Family Car Insurance Review, drivers can access numerous covers, such as umbrella and classic car insurance.
- Savings for Safe Drivers: Oregon drivers with a clean driving record can receive up to 20% discounts through the Safe Driver Program.
Cons
- Expensive for New Clients: New policyholders in Oregon can discover that their first premiums are less affordable than those of certain other Oregon insurance providers.
- Less Advanced Digital Features: Online policy management tools are available, but they may not be as seamless as some competitors in this American Family car insurance review.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
#8 – Travelers: Best for Unique Coverage Options
Pros
- Personalized Coverage for Oregon Drivers: Travelers offers such as custom parts, rideshare drivers, and off-road vehicles, making it an ideal vehicle insurance choice.
- Various Payment Options: Oregonian consumers can make monthly, quarterly, or yearly payments for Travelers Car Insurance Review.
- Safety Feature Discounts: Cars with anti-theft, adaptive cruise control, and other safety features can earn discounts.
Cons
- Higher Premiums for Young Drivers: Travelers charge more for younger, less seasoned Oregon drivers, making vehicle insurance in Oregon expensive.
- Slower Claims Process: Some policyholders report delays in claim resolutions, which affects their satisfaction with Travelers car insurance review in Oregon.
#9 – USAA: Best for Military Savings
Pros
- Special Military Discounts: Oregon military families can receive a 30% premium discount. Therefore, USAA car insurance review is the perfect option for inexpensive and better coverage.
- Exceptional Customer Service: USAA is known for its exceptional service, offering an effortless experience for military drivers looking for dependable coverage.
- Flexible Coverage Plans: From minimum liability to full coverage, USAA has various plans to suit different budgets and requirements.
Cons
- Limited Eligibility: USAA is reserved for military personnel and their families, so others must seek Oregon insurance quotes from other providers.
- Expensive for High-Risk Drivers: If you have an accident or DUI record, you may find lower premiums elsewhere when comparing Oregon insurance quotes with competitors.
#10 – Nationwide: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Your initial at-fault accident will not increase your premium, keeping premiums low.
- Flexible Coverage: Nationwide Car Insurance Review offers rental car reimbursement, roadside assistance, and new car replacement.
- Safe Driver Discounts: Sign up for SmartRide® to save up to 30%, rewarding safe drivers for good driving habits.
Cons
- Limited Young Driver Discounts: Unlike some competitors, nationwide insurance companies may not offer the best deals for drivers under 25.
- Claims Processing Concerns: Some policyholders have reported that claim approvals and payouts take longer than expected.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Oregon Car Insurance and Coverage Rates
Oregon motorists can opt for cheap insurance, where minimum coverage is as low as $30 and full coverage Oregon car insurance is $153. Comparing companies such as Geico and State Farm ensures that cost and protection are balanced for quality coverage.
Oregon Car Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $78 | $153 |
| $54 | $106 |
| $57 | $111 |
| $47 | $93 |
| $71 | $141 |
| $56 | $111 |
| $39 | $78 |
| $38 | $75 |
| $49 | $97 |
| $30 | $58 |
Selecting minimum or full coverage makes a big difference. Full coverage protects against accidents, theft, and vandalism. Some insurers offer add-ons like roadside assistance. It is essential how to cancel gap insurance to save costs effectively.
Gap insurance covers the difference when your car is stolen or totaled. It is ideal for financed vehicles but will not be needed in the long term. Call your insurer or lender to drop it when your loan exceeds your vehicle’s value.
Oregon Car Insurance Best Discounts
Oregon drivers can save on insurance through discounts like drivewise and snapshot. Safe driving, vehicle safety features, and military benefits help. How to lower your car insurance cost starts here.
Car Insurance Discounts From the Top Providers in Oregon
| Insurance Company | Available Discounts |
|---|---|
| Drivewise, Early Signing, Safe Driving Club, FullPay Discount |
| KnowYourDrive, Generational Discount, Early Bird, Low Mileage |
| Signal, Responsible Driver, Affinity Discounts, Occupational Discount |
| Military, Emergency Deployment, Federal Employee, Anti-Lock Brakes |
| New Vehicle, Violation-Free, Paperless, Online Purchase Discount |
| SmartRide, Accident-Free, Defensive Driving, Farm Bureau Member Discount |
| Snapshot, Continuous Insurance, Homeowner, Online Quote Discount |
| Drive Safe & Save, Accident-Free, Steer Clear, Vehicle Safety Discount |
| IntelliDrive, Hybrid/Electric Vehicle, New Car, Continuous Coverage |
| Military-Specific Discounts, Storage Discount, Low Mileage, Family Legacy |
Bundling auto and home policies cuts costs by up to 29%. Paying in full and student discounts offer up to 25% off. Comparing providers and getting an insurance quote in Oregon helps secure savings.
Safe drivers get up to 31% off from insurers like Progressive. Avoiding accidents and taking defensive driving courses lower rates. Many companies reward long-term claim-free policyholders.
Oregon Auto Insurance Discounts
| Insurance Company | Safe Driver Discount | Bundling Discount | Good Driver Discount | Good Student Discount | Pay-in-Full Discount |
|---|---|---|---|---|---|
| 10% | 25% | 10% | 20% | 10% |
| 10% | 29% | 10% | 25% | 5% |
| 10% | 20% | 10% | 15% | 5% |
| 26% | 25% | 26% | 15% | 15% |
| 30% | 12% | 30% | 22% | 12% |
| 10% | 20% | 10% | 15% | 5% |
| 31% | 12% | 31% | 10% | 10% |
 | 25% | 17% | 25% | 25% | 5% |
| 23% | 13% | 23% | 8% | 7.5% |
| 30% | 10% | 30% | 15% | 5% |
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Minimum Coverage Requirement in Oregon
In Oregon, motorists are required to have 25/50/25 liability coverage to pay for injuries and property damage when at fault. Understanding how car insurance works is important since not meeting these minimums can result in a fine, suspension, or being considered a high-risk driver.
In addition to liability, Oregon mandates uninsured/underinsured motorist coverage and $15,000 PIP for medical expenses. Many prefer full coverage auto insurance in Oregon, which includes collision and comprehensive coverage for extra financial protection.
Progressive offers unique perks like accident forgiveness and custom parts coverage, making it a smart choice for Oregon drivers seeking extra protection.Jeff Root Licensed Insurance Agent
How car insurance works is that liability covers others’ damages but not yours. That’s why many drivers choose full coverage auto insurance in Oregon, ensuring their vehicle and medical costs are covered and offering peace of mind.
Getting the Best Car Insurance in Oregon
Oregon auto insurance is not just legal; it protects against unforeseen expenses. With so many choices, it only stands to reason to compare Oregon car insurance and locate the perfect mix of cost and coverage.
Adhere to these five fundamental steps to make the process easy and get the best deal on your insurance, saving you time, money, and effort in the process.
- Research the Best Insurance Companies: Begin by comparing the best insurers, such as Progressive, Geico, and Farmers. Compare their products, rates, and discounts to determine the best coverage for you.
- Know Your Coverage Needs: Oregon has minimum coverage, but you can add comprehensive collision coverage for enhanced protection.
- Compare Personalized Quotes: Get quotes from various providers and compare Oregon car insurance. This allows you to locate a personalized policy that best meets your needs and budget.
- Think About Customer Satisfaction: Review customer feedback and complaints to confirm the insurer has a reliable claims process. Excellent service is important when you need to make a claim.
- Lock in Savings and Complete Your Policy: Use any discounts, select the appropriate deductible, and combine policies if you can. Check your policy before you complete it to make sure it includes everything you require.
Within a few minutes of comparing Oregon car insurance and browsing car insurance rates by state, you can find a policy that meets your needs without emptying your wallet. Compare your options today for the best coverage at the best rate.
Best Oregon Car Insurance: Best Companies & Prices
Getting the best car insurance in Oregon requires comparison between companies based on price and coverage. Progressive offers rates that range from $39 a month, and Geico has competitive rates with a user-friendly app. Farmers rewards safe driving through Car Insurance with Telematics, which includes savings for driving habits.
To get affordable Oregon car insurance, bundle policies, keep a clean record, and use discounts. Minimum coverage starts at $30 monthly, while full coverage offers more. Ready to find affordable car insurance? Get started today by entering your ZIP code into our free comparison tool.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Frequently Asked Questions
What factors determine car insurance rates in Oregon?
Car insurance rates in Oregon depend on factors like driving history, coverage level, vehicle type, credit score, and location. Look at our factors that affect the price of car insurance for expanded insights.
How does Oregon’s minimum car insurance requirement protect drivers?
Oregon’s minimum liability coverage provides financial security for property damage and injuries in accidents for which the policyholder is responsible. Ready to find cheaper car insurance coverage? Enter your ZIP code to begin.
What is the difference between full coverage and minimum coverage in Oregon?
Full coverage includes liability, collision, and comprehensive protection, while minimum coverage meets only state-required liability limits. Choosing the minimum can lower Oregon auto insurance costs but may not provide enough protection.
Are there special car insurance discounts available in Oregon?
Oregon drivers can access discounts for safe driving, vehicle safety features, bundling policies, military service, and low annual mileage. Dive into our car maintenance expenses to gain a deeper insight.
Can Oregon drivers lower their car insurance costs without sacrificing coverage?
Yes, they can save through bundling policies, having a clean driving history, utilizing telematics applications, and obtaining discounts. All these methods enable Oregon auto insurance rates to be managed while solid coverage is maintained.
How does telematics-based insurance work in Oregon?
Telematics programs, such as Progressive’s Snapshot or Farmers’ Signal, monitor driving behaviors to help safe drivers save on their premiums. By driving responsibly, policyholders may lower their average car insurance cost in Oregon through these usage-based programs.
Does Oregon require uninsured motorist coverage?
Yes, Oregon law mandates uninsured and underinsured motorist coverage to protect drivers from losses caused by uninsured drivers. Explore our how the states rank on uninsured drivers for more insights.
What happens if an Oregon driver is caught without insurance?
Driving without insurance in Oregon can lead to fines, license suspension, SR-22 requirements, and higher future premiums. Shop for the best liability-only car insurance with our free quote comparison tool. Enter your ZIP code to begin.
How can Oregon drivers ensure they get the best insurance policy?
Comparing multiple insurance providers, reviewing policy options, and customizing coverage based on personal needs can help secure the best policy.
What should Oregon drivers do after a car accident to file a claim?
After an accident, drivers should document the scene, exchange information, notify their insurer, and file a claim as soon as possible. Read more in our Filing a car insurance claim after an accident.