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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: Apr 11, 2025
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19,116 reviews19,116 reviews
3,072 reviews3,072 reviewsProgressive, Geico, and Farmers offer the best car insurance in Oregon. Progressive offers the lowest rates, starting at $39 a month.
Progressive suits cost-conscious drivers, while Geico offers competitive premiums and an easy-to-use mobile app.
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 |
Farmers compensate safe drivers with the signal app and bundling discounts. Use this car insurance guide to compare car insurance rates and find the best policy for your needs.
Progressive offers top coverage, Geico leads in Oregon with a great app, and Farmers rewards safe drivers.
Explore your car insurance options by entering your ZIP code and finding which companies have the lowest rates.
Compare Quotes From Top Companies and Save
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Compare Quotes From Top Companies and Save
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Compare Quotes From Top Companies and Save
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Compare Quotes From Top Companies and Save
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Oregon motorists can opt for cheap insurance, where minimum coverage is as low as $30 a month, and full coverage Oregon car insurance is $153 a month. 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 drivers can save on insurance through discounts like Drivewise and Snapshot. Safe driving, vehicle safety features, and military benefits help. Learn more: How to lower your car insurance costs
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% |
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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.
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.
Within a few minutes of comparing Oregon car insurance and 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.
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 reward 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 better protection.
Ready to find affordable car insurance? Get started today by entering your ZIP code into our free comparison tool.
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.
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.
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.
Oregon drivers can access discounts for safe driving, vehicle safety features, bundling policies, military service, and low annual mileage. Explore car maintenance expenses for more insights.
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.
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 get lower rates than the average car insurance cost in Oregon through these usage-based programs.
Yes, Oregon law mandates uninsured and underinsured motorist coverage to protect drivers from losses caused by uninsured drivers. Explore how the states rank on uninsured drivers for more insights.
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.
Comparing multiple insurance providers, reviewing policy options, and customizing coverage based on personal needs can help secure the best policy.
After an accident, drivers should document the scene, exchange information, notify their insurer, and file a claim as soon as possible. Read how to file a car insurance claim after an accident.
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