Finding the best car insurance in Oregon might take some research, but Reviews’ comparison of top companies may make things easier. When reviewing insurance companies, we considered factors that are often a priority – such as price, customer satisfaction, and financial strength – to compile a list of the best car insurance companies in Oregon. Each carrier has something unique to offer, and drivers may have an easier time determining which one might fit their insurance needs. For Oregon shoppers, it’s also smart to consult the state’s Auto Insurance Rate Comparison and Complaint Index to see how companies stack up locally before you compare quotes. Each of the top four providers for the state also have a nationwide reputation that earned the providers a spot in our list of the best car insurance companies in the U.S.

The 4 Best Auto Insurance Companies in Oregon

To narrow down our list of the best car insurance companies in Oregon, we analyzed dozens of carriers for factors such as affordability, customer support, policy coverage options, and discounts, as well as financial strength ratings. Below are some of the best carriers we found for Oregon drivers to explore: 

• Allstate: Best for Online Resources
• Geico: Best for Discounts
• State Farm: Best for Coverage Options
• USAA: Best for Military-Focused Coverage

Compare the Best Car Insurance Companies in Oregon

In the table below, Reviews chose these car insurance companies as “best,” based on our assessment of available metrics. The figures shown reflect earlier datasets; since then, Oregon premiums have risen, and recent 2025 analyses typically place statewide averages around $1,600–$1,900 per year for full coverage and about $600–$700 per year for minimum coverage, depending on methodology and driver profile. See current Oregon cost updates from Bankrate, NerdWallet, The Zebra, and Insurify. While averages can give you a general idea of how premiums differ by company, your rate will vary based on numerous factors that affect your quote.

Information note: The comparison below includes historical data. For current Oregon averages and rankings, see 2025 updates from Bankrate, NerdWallet, and Oregon’s DFR rate comparison.

*Data sources include Bankrate; see current Oregon averages. Methodologies vary by source.

**J.D. Power 2024 U.S. Auto Insurance Study regional results (Northwest). Based on a 1,000-point scale. USAA is not officially ranked due to eligibility restrictions.

Allstate

Geico

State Farm

USAA

* Data sources include Bankrate; see current Oregon averages. Methodologies vary by source.

**J.D. Power 2024 U.S. Auto Insurance Study regional results (Northwest). Based on a 1,000-point scale. USAA not officially ranked due to eligibility restrictions.

The Average Cost of Car Insurance in Oregon

In 2025, recent estimates place Oregon’s average car insurance costs at roughly $1,600–$1,900 per year for full coverage and about $600–$700 per year for minimum coverage, depending on the source, driver profile and coverage selections. Multiple analyses — including Bankrate and NerdWallet — indicate Oregon remains below the national average for full coverage.

There’s a lot that goes into determining the cost of car insurance, and your location is one factor that can have a significant impact on rates. Some states simply have higher insurance costs than others based on a variety of contributing risks. Other determining factors may include driver age, credit score, driving history, and marital status, among other factors. Rates have risen significantly since 2021 due to higher claim severity and repair costs; the BLS Consumer Price Index shows large year-over-year increases in the motor vehicle insurance index through 2024–2025. Oregon’s minimum required coverages (liability 25/50/20, PIP $15,000, and UM/UIM 25/50) also influence “minimum coverage” pricing.

Top 3 Cheapest Car Insurance Companies in Oregon

*Historical sample data; for current 2025 Oregon comparisons, use the state’s DFR Auto Insurance Rate Comparison and recent analyses from Bankrate and NerdWallet.

Top 3 Most Expensive Car Insurance Companies in Oregon

*Historical sample data; for current 2025 Oregon comparisons, use the state’s DFR Auto Insurance Rate Comparison and recent analyses from Bankrate and NerdWallet.

Top 3 Cheapest Cities for Car Insurance in Oregon

* Historical sample data; for current 2025 city differences, recent sources show smaller college/tech markets (e.g., Corvallis, Bend, Albany) trending below the state average for full coverage. See Bankrate, NerdWallet, The Zebra and Forbes Advisor.

Top 3 Most Expensive Cities for Car Insurance in Oregon

* Historical sample data; for current 2025 city differences, Portland- area cities (e.g., Portland, Gresham) typically trend highest for full coverage. See Bankrate, NerdWallet, The Zebra and Forbes Advisor.

Oregon Car Insurance Requirements

Oregon requires that all drivers carry a minimum amount of insurance. Failure to meet this requirement can mean fines or suspension of your driver’s license. Statutory minimums are set in Oregon law; see ORS 806.070, ORS 742.520, and ORS 742.502. What goes into Oregon’s car insurance requirements?

Even though Oregon is an at-fault state, it still requires that all drivers carry personal injury protection with a limit of at least $15,000 (ORS 742.520). 

The state also requires coverage of $25,000 per person, or $50,000 per crash, for uninsured/underinsured motorist bodily injury. By default, UM/UIM limits equal your bodily injury liability limits unless you elect lower limits in writing, not below 25/50 (ORS 742.502). Finally, like many states, Oregon requires that all drivers carry liability insurance.

Minimum liability required in the state of Oregon is divided as follows:

• $25,000 per person bodily injury liability coverage
• $50,000 per accident bodily injury liability coverage
• $20,000 per accident property damage liability coverage

Key Things to Know About Car Insurance in Oregon 

Regardless of where you live, it’s essential that you find out the unique insurance laws in your state. Like many places, Oregon has unique laws surrounding the type of insurance you must carry and who is responsible for covering certain damages. Before you buy, review Oregon’s rate comparison and complaint index to compare companies in your city and for your driver profile.

Car Insurance Coverage Options

• Gap Coverage: If you total your car but still have a car loan, gap coverage will ensure you aren’t on the hook for paying if your loan amount exceeds your car’s actual value.
• Uninsured or Underinsured Motorist: It’s usually the case that whoever causes an accident pays for the property damage. But if you’re in an accident and the person at-fault doesn’t have insurance or doesn’t have enough insurance, these coverage types could help cover your costs.
• Rideshare: If you participate in ridesharing services, you may need special insurance coverage. Few companies offer rideshare coverage, so be sure to choose wisely if you’re considering using your car to earn some extra income.
• Accident Forgiveness: You can generally expect your insurance rates to increase after an accident. But with optional accident forgiveness coverage, your rates might stay the same after one accident.

Frequently Asked Questions

Methodology

Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers. 

For average pricing context, we referenced recent 2025 datasets from multiple independent sources — including Bankrate, NerdWallet, The Zebra and Insurify — and we encourage readers to cross-check Oregon’s DFR Auto Insurance Rate Comparison. In those studies, “full coverage” typically models liability limits similar to:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

Minimum coverage reflects Oregon’s legal minimums. Our base-profile drivers typically own a late‑model sedan, commute five days a week and drive about 12,000 miles annually. 

These are sample rates and should only be used for comparative purposes.

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