Our top choices for car insurers in Oregon were assessed based on their ability to provide comprehensive, personalized insurance coverage to drivers. The top five auto insurance companies that made our list all offer financial stability, a diverse range of policies and endorsements, and relatively decent customer service compared to industry averages.
While we took premium costs into consideration, it’s impossible to say which one has the cheapest car insurance for all Oregon drivers, because each policy is unique and reflects a variety of factors specific to driver and automobile. Although we offer some average premium costs below, remember that your own circumstances will differ.
The Five Best Car Insurance Companies in Oregon
|Allstate||American Family||Geico||State Farm||USAA|
|Our review||Our review||Our review||Our review||Our review|
|AM Best Financial Strength Rating||A+||A||A++||A++||A++|
|J.D. Power 2019 Overall Customer Satisfaction Score (Northwest Region)||3/5||4/5||3/5||3/5||5/5|
|Avg. Annual Premium||$1,504||$780||$556||$607||$515|
|Compare rates||Compare rates||Compare rates||Compare rates||Compare rates|
Quadrant car insurance rate data as of 07/01/2019.
- Good selection of discounts
- “Allstate extras” like new car replacement and accident forgiveness
- Pay-per-mile insurance for those who don’t drive as much
- Higher-than-average premiums
- Average ratings for financial strength and customer service
Allstate’s includes fairly standard discounts — like an anti-theft device and good student discount — plus options for new drivers and those with safe driving habits.
Unique discounts such as the Drivewise program save you money while giving personalized driving feedback, and Milewise cuts the premium costs for seniors and others who don’t drive very much. Allstate’s premiums were higher than our other choices, but discounts can compensate in some cases.
Allstate has other standout extras including new car replacement insurance. Since your car depreciates continually, an accident that totals your newish car could leave you owing money on a loan even after your insurance payout. With this coverage however, Allstate ensures you can actually replace your car with a new one.
Allstate has an average reputation for customer service, scoring 3 out of 5 with J.D. Power and landing in the middle of the pack. J.D. Power In addition, AM Best gives it an “A+” rating for financial security.
American Family is a growing company (it recently purchased highly-ranked Ameriprise Auto and Home Insurance), which is good because it’s currently only available in less than half the U.S. For this reason, you’ll want to check and see if it’s offered in your area.
American does offer some significant benefits, such as a broad range of discount opportunities that can bring your premiums down below the average. Although it earned an “A” ranking from AM Best, indicating financial stability, this was marginally lower than the others on our list.
On the other hand, it scores quite well with consumer rating organizations such as J.D. Power, which gave it a 4/5 rating, landing it just under USAA. We also liked the company’s focus on community programming and support.
- Low premiums
- Online tools
- Decent discounts
- Mediocre customer service
As its popular commercials indicate, Oregon drivers can save 15% or more on car insurance. Geico’s rates are some of the lowest we looked at and ratings indicate that this financially-solid company would be able to pay out in any circumstances.
Geico has some nice elements for consumers on its user-friendly website, such as a coverage calculator, car insurance comparison, and even a cheap gas locator tool. It’s fairly simple to make a claim online, and you can also find estimates and repair locations near you via the website.
Geico’s discounts are solid, catering to student drivers, military, federal employees, and seniors. Additional discounts for safety equipment, a new vehicle discount, good driver, and multi-vehicle discounts are also offered.
There’s nothing outstanding about its customer service though, with average rankings across the board. J.D. Powers gives it a ⅗ rating, landing Geico in the middle of the pack when it comes to consumer relations.
- Excellent financial strength
- Strong nationwide 24/7 coverage
- Solid website with good informational blog
- Customer service not highly-ranked
- Not as many discounts as some companies
As the largest auto insurer in the country, State Farm has the capability to provide coverage and service to almost all drivers. You can file claims easily online at the company’s website, and if you’re an insurance newbie, you may find the Simple Insights blog a useful compendium of information.
Financially, State Farm is also at the top of our list — it earned the highest rating possible, A++, from AM Best. What this means to you is that the company is financially sound enough that it will be able to meet all claims no matter how bad the economy gets or what other circumstances come into play.
It’s worth noting that State Farm receives average customer service rankings from J.D. Power, and although it features all the basic types of discounts and endorsements, it is otherwise not especially outstanding in any other aspects of customer experience.
- Great rates
- Excellent customer service
- Financially solid
- Only available for military families
USAA is at the top of just about every ranking for customer service and financial stability. Its rates are highly competitive and the coverage is top-notch. It also has an innovative online community to help you find quick answers to your questions and connect with others like yourself.
There’s just one catch: the company only services members of the military, their families, and veterans. If you fit in that category, you would be well served by working with the company for your insurance needs.
Even if you are military, we recommend getting quotes from several insurers. USAA’s discount offerings aren’t as plentiful compared to other providers on our list, so if saving money is your primary concern, you may find a more suitable offer elsewhere.
The Cheapest Car Insurance Companies in Oregon
|Car Insurance Companies||Average Annual Premium|
|American Family Insurance||$780|
Quadrant car insurance rate data as of 07/01/2019.
Car Insurance by Credit Rating
|Credit Tier Rating||Average Annual Premium|
|Average Across Credit Rating Tiers||$1,028|
Quadrant car insurance rate data as of 07/01/2019.
These rates are a sample set meant only for general comparison. Your own premium will vary. Learn how we tested rates for the cheapest car insurance companies below.
Top 3 Cheapest Companies
- USAA: $515
- GEICO: $556
- State Farm: $607
Top 3 Most Expensive Companies
- Allstate: $1,504
- Metropolitan Insurance: $1,368
- Travelers: $1,062
As you can see by the broad range of rates we’ve listed here, car insurance costs in Oregon can vary greatly. Although our averages are based on general driver and car profiles, please note that your own price may be different.
The best way to get an accurate idea of the cost of your coverage is to request a quote. Many companies have online quote tools which are a good first step, but you could also call your local office and talk to an experienced rep who may find discounts for you that the online tool missed.
Guide to Oregon Car Insurance
It’s illegal in Oregon to drive without car insurance, and the penalties for multiple violations can result in severe consequences, such as the loss of your license. Here are some of the things you should consider when buying car insurance in Oregon.
Oregon Minimum Liability
Oregon’s minimum insurance requirements are 25/50/20 for liability coverage. This shorthand notation means that the state requires the following minimums in bodily injury and property damage liability:
- $25,000 per person for bodily injuries to others in an accident;
- $50,000 per accident for bodily injury to others; and
- $20,000 per accident for damage to property belonging to others.
Oregon also requires you to have $15,000 of personal injury protection, or PIP, which covers the costs of your own or you passengers’ injuries in the event of a car accident, even if they have no insurance. Finally, you’re required to have uninsured motorist coverage of 25/50 — $25,000 per person and $50,000 per accident for bodily injury — if you are involved in a crash with someone who is uninsured.
Consider purchasing more than minimum coverage
Although your goal may be to save as much money as possible on your car insurance in Oregon, we recommend that you consider purchasing more than the required minimums. For example, that $15,000 PIP won’t go very far if you are severely injured and require extended hospitalization.
While you may save a nominal amount up front on a cheap premium, it may leave you short of adequate coverage in the event of an accident.
Consider collision, comprehensive, and other extra insurance
Aside from state-mandated minimums, there are other options that are worth looking at when selecting add-ons.
Probably the most important is collision insurance, which will cover repairs to your car in an accident. If you have an older car that might not be worth fixing if damaged, you can skip this. But if your car is newer, it’s worth it to avoid the hassle of buying a new car (and potentially losing money in the deal) if your car is severely damaged.
Comprehensive insurance is another popular choice, covering damage to your car from vandalism, hail or wind damage, fallen trees, and other non-accident-related causes. If you routinely park on the street or in a busy area, this might be a good idea.
Many companies now have special coverage if you drive for Uber or Lyft, policies that have amendments covering sound systems, roadside assistance coverage, and other needs that may be of importance to you.
How We Found the Best Oregon Car Insurance Companies
Using the methodology created for our Best Car Insurance Companies review, we started with the dozen largest insurance companies in Oregon by market share. We looked at their consumer satisfaction rankings with J.D. Power, Consumer Reports, and the Better Business Bureau, and at financial strength through each company’s rating with A.M. Best and Standard & Poor’s, to be sure that the companies are solid enough financially to pay their claims in any circumstances.
We worked with Quadrant Information Services to provide data on auto insurance rates by company and credit score. Quadrant makes this information available using rate data insurers that are required to file with state Departments of Insurance. Rates are based on sample profiles created by Reviews.com for comparative purposes.
We explored each company’s website to get a sense of the customer experience and looked carefully at discounts and additional coverages, which allow you to customize your policy to work best in your own circumstances. We also reviewed the public reputation of the companies.
Oregon Car Insurance Companies FAQ
What are average auto insurance costs in Oregon?
According to the Insurance Information Institute, the average cost for car insurance in Oregon is $877.09. This puts it in 21st among all the states.
How much car insurance do I need in Oregon?
The state minimums are 25/50/20, with $15,000 personal injury protection and 25/50 for uninsured motorist liability. We recommend that you purchase more than the minimum to adequately protect yourself.
Does my insurance cover me if I drive for Uber?
It depends on the provider’s special coverage options. The only way to know for sure is to call your company and speak to a knowledgeable rep. Most rideshare companies provide some insurance for their drivers, but it’s a good idea to augment that with a rider on your own policy.