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. 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. We’ve compiled average rate data for each company provided by Bankrate.com, as well as their customer satisfaction from J.D. Power and financial strength rating from AM Best, for easy comparison. While the average annual rates for these providers can give you a general idea of how premiums might compare by company, remember that your rates will differ based on a multitude of factors that will affect your quote.
| Average Annual Minimum Coverage Premium* | Average Annual Full Coverage Premium* | AM Best Rating 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. | J.D. Power** Customer Satisfaction Rating J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|---|
| Pin Allstate | $820 | $1,790 | A+ (Superior) | 825 | |
| Pin Geico | $575 | $1,355 | A++ (Superior) | 821 | |
| Pin State Farm | $527 | $1,093 | A++ (Superior) | 844 | |
| Pin USAA | $494 | $1,038 | A++ (Superior) | 884 |
Information accurate as of February 2022
*Data provided by Bankrate.com
**J.D. Power 2021 Auto Insurance Satisfaction Study rating for the Northwest region. Based on a 1,000-point scale. USAA is not officially rated due to eligibility restrictions.
Allstate
Best for Online Resources
WHY WE CHOSE IT
Why we chose it
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
- Below-average J.D. Power ratings for customer satisfaction for this region
STANDARD DISCOUNTS AVAILABLE
- Vehicle safety
- Multi-policy
- Early signing
- Responsible payer
- Smart student
OTHER POLICIES OFFERED
- Homeowners insurance
- Renters insurance
- Motorcycle insurance
Geico
Best for Discounts
WHY WE CHOSE IT
Why we chose it
Pros
- Competitive average premiums for minimum coverage
- Abundant discounts
- Exceptional AM Best financial strength rating
- Variety of online tools
Cons
- No gap insurance coverage
- Can be expensive for poor driving records or bad credit
- Below-average J.D. Power customer satisfaction ratings for this region
STANDOUT DISCOUNTS AVAILABLE
- Vehicle equipment features
- New vehicle
- Good driver
- Seat belt use
- Defensive driving
OTHER POLICIES OFFERED
- Homeowners insurance
- Renters insurance
- Boat insurance
State Farm
Best for Coverage Options
WHY WE CHOSE IT
Why we chose it
Pros
- Rideshare coverage offered
- Competitive rates for full and minimum coverage
- Excellent AM Best financial strength ratings
- Highest officially-ranked provider by J.D. Power for customer satisfaction in this region
Cons
- Fewer discounts than other companies
STANDARD DISCOUNTS AVAILABLE
- Drivewise
- Steer Clear
- Accident-free
- Defensive driving
- Student discounts
OTHER POLICIES OFFERED
- Homeowners insurance
- Renters insurance
- Condominium insurance
USAA
Best for Military-Focused Coverage
WHY WE CHOSE IT
Why we chose it
Pros
- Most affordable rates compared to the other top companies
- Highest J.D. Power scores for customer satisfaction for this region
Cons
- Eligibility restrictions
STANDARD 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
OTHER POLICIES OFFERED
- Homeowners insurance
- Umbrella insurance
- Mobile home insurance
* Data provided by Bankrate.com.
**J.D. Power 2021 Auto Insurance Satisfaction Study rating for the Northwest region. Based on a 1,000-point scale. USAA not officially rated due to eligibility restrictions.
The Average Cost of Car Insurance in Oregon
The average cost of car insurance in Oregon is $610 per year for minimum coverage and $1,346 per year for full coverage, according to 2021 data from Bankrate.com. This is slightly different from the national average cost of car insurance, which is $1,674 per year for full coverage and $565 per year for minimum 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.
Top 3 Cheapest Car Insurance Companies in Oregon
| Company | Average Annual Minimum Coverage Premium |
| Oregon Mutual | $414 |
| Travelers | $438 |
| QBE | $456 |
*Data provided by Bankrate.com.
Top 3 Most Expensive Car Insurance Companies in Oregon
| Company | Average Annual Minimum Coverage Premium |
| American Family | $699 |
| Allstate | $820 |
| State Farm | $1,018 |
*Data provided by Bankrate.com.
Top 3 Cheapest Cities for Car Insurance in Oregon
| City | Average Annual Minimum Coverage Premium |
| Baker City | $458 |
| Richland | $462 |
| Enterprise | $463 |
* Data provided by Bankrate.com.
Top 3 Most Expensive Cities for Car Insurance in Oregon
| City | Average Annual Minimum Coverage Premium |
| Maywood Park | $966 |
| Gresham | $930 |
| Fairview | $880 |
* Data provided by Bankrate.com.
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. 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.
The state also requires coverage of $25,000 per person, or $50,000 per crash, for uninsured/underinsured motorist 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 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.
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.
As for average pricing, we used Bankrate.com’s data of car insurance in Oregon, based on the profiles of a 40-year male and female. For full coverage, the details used were the following:
- $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
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
