HomepageInsuranceCarThe Best Oregon Auto Insurance Companies

The Best Oregon Auto Insurance Companies

Fact-checked with HomeInsurance.com ​

Save money on auto coverage with our simple comparison tool.

Please enter a valid zip code

Click at least 2-3 companies to find the very best rate.

    Advertiser Disclosure

    Close icon.

    We are an independent publisher. Our reporters create honest, accurate, and objective content to help you make decisions. To support our work, we are paid for providing advertising services. Many, but not all, of the offers and clickable hyperlinks that appear on this site are from companies that compensate us. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. We strive to keep our information accurate and up-to-date, but some information may not be current. So, your actual offer terms from an advertiser may be different than the offer terms on this site. And the advertised offers may be subject to additional terms and conditions of the advertiser. All information is presented without any warranty or guarantee to you.

    Despite its unique insurance laws, drivers in Oregon enjoy relatively affordable car insurance rates. We considered factors such as price, customer satisfaction, and financial strength to compile a list of the best car insurance in Oregon. Each of the companies on our list has something unique to offer, and drivers are sure to find one that fits their needs. Three out of the four top providers for the state also have a nationwide reputation that earned them a spot in our list of the best car insurance companies in the U.S.

    The 4 Best Auto Insurance Companies in Oregon

    • Allstate: Best for online resources
    • Geico: Best for low prices
    • State Farm: Best for coverage options
    • USAA: Best for military families

    Compare the Best Car Insurance Companies in Oregon

    CompanyAverage Price for State Minimum* Average Price for Full Coverage* Reviews.com ScoreAM Best Financial StrengthJ.D. Power Overall Customer Satisfaction 
    Allstate$1,305.03$2,789.574A+810/1000
    Geico$742.60$1,835.024.6A++834/1000
    State Farm$1,075.81$2,254.764.4A++814/1000
    USAA$875.04$1,874.114.8A++883/1000

    Information accurate as of 11/10/2020

    * Data provided by Coverage.com

    Allstate

    Allstate

    Best for online resources

    Why we chose it

    Allstate offers some of the best online resources on the market, including a library of educational articles and a robust digital app.
    • 4/5 Reviews Score
    • $1,305.03* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 810** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Allstate offers some of the best online resources on the market, including a library of educational articles and a robust digital app.

    Pros

    • Excellent digital tools
    • Pay-per-mile insurance for those who don’t drive as much
    • “Allstate extras” like new car replacement and accident forgiveness

    Cons

    • Higher than average premiums
    • Average ratings for customer service
    Read More

    Discounts Available

    • Vehicle safety
    • Multi-policy
    • Early signing
    • Responsible payer
    • Smart student
    • New car
    • Auto-pay
    • Paperless billing
    • Full pay
    • Safe driving

    Types of Coverage Offered

    • Collision
    • Comprehensive
    • Liability
    • Medical payments
    • Uninsured & underinsured motorist
    • Sound system
    • Roadside assistance
    • Personal injury protection
    • Personal umbrella
    • Rental reimbursement

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Northwest region. Based on a 1,000-point scale.

    Further Reading on Allstate:

    Geico

    Geico

    Best for low prices

    Why we chose it

    Geico is well-known for its low prices, but it also has some of the best customer satisfaction and claims satisfaction in the industry.
    • 4.6/5 Reviews Score
    • $742.60 Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 834* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Geico is well-known for its low prices, but it also has some of the best customer satisfaction and claims satisfaction in the industry.

    Pros

    • Lowest average premiums
    • Top in customer and claims satisfaction
    • Online tools

    Cons

    • No gap coverage
    • Can be expensive for poor driving records or bad credit
    Read More

    Discounts Available

    • Vehicle equipment features
    • New vehicle
    • Good driver
    • Seat belt use
    • Defensive driving
    • Driver’s education course
    • Good student
    • Emergency deployment
    • Membership & employee
    • Military
    • Multi-vehicle
    • Multi-policy 

    Types of Coverage Offered

    • Liability
    • Medical payments
    • Uninsured & underinsured motorist
    • Collision
    • Comprehensive
    • Roadside assistance
    • Rental reimbursement
    • Mechanical breakdown

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Northwest region. Based on a 1,000-point scale.

    Further Reading on Geico:

    State Farm

    State Farm

    Best for coverage options

    Why we chose it

    State Farm is the biggest provider of auto insurance in Oregon in terms of market share and has some of the most robust coverage options.
    • 4.4/5 Reviews Score
    • $1,075.81 Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 814** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    State Farm is the biggest provider of auto insurance in Oregon in terms of market share and has some of the most robust coverage options.

    Pros

    • Rideshare coverage
    • Excellent financial strength
    • Above-average claims satisfaction

    Cons

    • Below-average overall customer satisfaction
    • Fewer discounts than other companies
    Read More

    Discounts Available

    • Drivewise
    • Steer Clear
    • Accident-free
    • Defensive driving
    • Student discounts
    • Driver training
    • Good driving
    • Vehicle safety features
    • Multi-car
    • Multiple-policy

    Types of Coverage Offered

    • Collision
    • Comprehensive
    • Liability
    • Rental and travel expense
    • Uninsured & underinsured motorist
    • Medical payments
    • Roadside assistance
    • Rideshare driver

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Northwest region. Based on a 1,000-point scale.

    Further Reading on State Farm:

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Northwest region. Based on a 1,000-point scale.

    USAA

    USAA

    Best for military families

    Why we chose it

    USAA offers affordable and top-rated auto insurance coverage for military members and their families.
    • 4.8/5 Reviews Score
    • $875.04 Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 883** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    USAA offers affordable and top-rated auto insurance coverage for military members and their families.

    Pros

    • Affordable rates
    • Top-rated customer satisfaction

    Cons

    • Only available to military families
    Read More

    Discounts Available

    • Safe driver
    • Defensive driving
    • Driver training
    • Good student
    • New vehicle
    • Multi-vehicle
    • Annual mileage
    • Vehicle storage
    • Family discount
    • Length of membership
    • Military installation
    • Full pay

    Types of Coverage Offered

    • Collision
    • Comprehensive
    • Liability
    • Personal injury protection
    • Extended benefits
    • Uninsured & underinsured motorist
    • Roadside assistance
    • Rental reimbursement
    • Accident forgiveness

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Northwest region. Based on a 1,000-point scale.

    Further Reading on USAA:

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Northwest region. Based on a 1,000-point scale.

    Further Reading on USAA:

    The average cost of car insurance in Oregon

    Car insurance prices in Oregon are relatively average — premiums in the state aren’t particularly high or low. Customers will pay an average of $578 for the state’s minimum liability coverage. For full coverage, the average cost is $1,281.

    There’s a lot that goes into determining the cost of car insurance. Your location can have a significant impact. Some states simply have higher insurance costs than others. Your location can also play a role in terms of weather and crime rate. Other determining factors include the driver’s age, credit score, driving history, and more.

    Top 3 Cheapest Car Insurance Companies in  Oregon

    CompanyAverage Annual Premium
    Geico$742.60
    Standard Fire Insurance Company$798.30
    Country Financial$857.10

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Car Insurance Companies in Oregon

    CompanyAverage Annual Premium
    Allstate$1,305.03
    Progressive$1,131.98
    Garrison Property & Casualty$1,095.60

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Cheapest Cities for Car Insurance in Oregon

    CityAverage Annual Premium*
    Baker City$630.66
    La Grande$652.17
    Ontario$671.23

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Cities for Car Insurance in Oregon

    CityAverage Annual Premium*
    Gresham$1,233.34
    Fairview$1,221.25
    Portland$1,193.57

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Car Insurance Add-Ons That Will Further Protect You 

    • Gap Coverage: In an event where 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/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, this coverage will 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 are guaranteed to stay the same after one accident.

    Guide to Oregon Car Insurance 

    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.

    Oregon Minimum Insurance Requirements

    Oregon requires that all drivers carry a minimum amount of insurance. Those who fail to do so can be subject to fines or suspension of their driver’s license. 

    First, because of its no-fault law, Oregon requires that all drivers carry personal injury protection with a limit of at least $15,000. The state also requires uninsured motorist coverage of $25,000 per person or $50,000 per crash for bodily injury. 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 coverage
    • $50,000 per accident bodily injury coverage
    • $20,000 per accident property damage coverage

    Oregon’s No-Fault Law

    Oregon is a no-fault state, which means that in the event of an accident, each person is responsible for covering their own medical bills. The person at-fault doesn’t cover the medical bills of other parties. Because of this law, Oregon also requires that drivers carry personal injury protection coverage, which will help pay their medical bills.

    Oregon Car Insurance FAQ 

    Methodology

    Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Oregon our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. 

    As for average pricing, we used Coverage.com’s data of car insurance in Oregon, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.

    About the Authors

    Erin Gobler is an insurance writer for Reviews.com. Over the past three years, she has covered personal finance topics such as insurance, banking, mortgages, and more. Her work has been featured in sites such as The Simple Dollar, Bankrate, and Coverage.com. She holds a bachelor’s degree in Journalism from the University of Wisconsin-Oskosh. Erin’s favorite Reviews.com article is the State Farm Renters Insurance Review.

    Table Of Contents