- Car insurance in Oregon isn't incredibly expensive, but shopping around can help you save even more.
- GEICO gets the top rank in customer satisfaction, and State Farm is the most popular.
- State Farm is also the largest provider of car insurance in Oregon.
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Car insurance in Oregon is relatively affordable, with the average driver paying $877 per year for coverage according to the Insurance Information Institute. But, even though coverage is affordable in this West Coast state, there's still a lot to be saved by shopping around for coverage and comparing quotes.
Shopping around for your car insurance is the best way to make sure that you're getting the best rate for you. Car insurance companies base their premiums, or the amount you'll pay for coverage, on a variety of factors. Since each company weighs factors differently, getting one quote won't help you make sure you're getting the best possible price.
The most popular car insurance companies in Oregon
The following are the most popular car insurance companies in Oregon, based on the percentage of insured Oregon drivers who use them:
| Company | Market share (%) |
| State Farm | 18.83 |
| Progressive | 16.15 |
| GEICO | 10.38 |
| Farmers Insurance | 8.42 |
| Liberty Mutual | 8.28 |
| Allstate | 8.13 |
| USAA* | 6.43 |
| COUNTRY Financial | 3.75 |
| American Family Insurance | 3.39 |
| Travelers | 1.77 |
| Nationwide | 1.72 |
| PEMCO Mutual Insurance | 1.4 |
| The Hartford | 1.33 |
| Mutual of Enumclaw | 0.99 |
| Kemper | 0.98 |
| MetLife | 0.96 |
| Sentry | 0.8 |
| Oregon Mutual | 0.76 |
| CSAA | 0.63 |
| Amica | 0.54 |
*USAA is only for active military, veterans, and their families.
Data from S&P Global Intelligence
The best car insurance in Oregon based on customer satisfaction
Customer satisfaction with car insurance providers may factor into your decision. According to J.D. Power, a consumer research company that surveys customers, these are the top car insurance companies in the Northwest region (which includes Oregon):
- GEICO
- Pemco
- Region Average
- Progressive
- The Hartford
- Liberty Mutual
- Safeco
- State Farm
- Allstate
- Farmers
- Travelers
- American Family
The best cheap car insurance in Oregon based on credit score
Consumer Reports compiled car insurance pricing formulas from every insurance company in each state. It found that three companies offer the best prices for the typical single adult driver in Oregon in three different credit categories.
People with excellent FICO scores (800-850) can expect to see some of the lowest rates in Oregon, on average:
- Safeco car insurance: $819 per year
- USAA car insurance: $826 per year
- State Farm car insurance: $840 per year
Drivers with good credit, FICO scores 670-739, will find that their best options are USAA and State Farm, on average:
- USAA car insurance: $974 per year
- State Farm car insurance: $1,041 per year
- Safeco car insurance: $1,044 per year
Drivers with poor credit, FICO scores 300-579, will pay the most for car insurance coverage, on average. Here are the three most affordable companies for this credit range:
- American Family car insurance: $1,756 per year
- Allstate car insurance: $1,968 per year
- State Farm car insurance: $2,010 per year
The best car insurance for drivers with a clean record
For a driver in Oregon age 25 or older with no accidents and one vehicle, the following companies provide the best average rates:
| Company | Average monthly insurance premium |
| Bristol West | $66 |
| State Farm | $104 |
| Root | $108 |
| Travelers | $115 |
| Liberty Mutual | $119 |
| GEICO | $122 |
| Progressive | $129 |
| Allstate | $137 |
| Esurance | $150 |
| American Family | $150 |
| USAA* | $159 |
| Safeco | $193 |
| Farmers | $224 |
*USAA is only for active military, veterans, and their families.
Above data obtained from
The best car insurance for one or more accidents on record
For a driver in Oregon age 25 or older, with one or more accidents and one vehicle, the following companies provide the best average rates:
| Company | Average monthly insurance premium |
| Esurance | $104 |
| GEICO | $131 |
| Allstate | $132 |
| Bristol West | $145 |
| Farmers | $145 |
| Progressive | $173 |
Above data obtained from
Oregon car insurance rates by city
Below is the estimated average annual premium of auto insurance policies per household in Oregon's most populous cities:
| City | Average annual insurance premium |
| Portland | $1,365 |
| Salem | $1,320 |
| Eugene | $1,263 |
| Gresham | $1,326 |
| Hillsboro | $1,433 |
| Beaverton | $1,395 |
| Bend | $1,395 |
| Medford | $1,283 |
| Springfield | $1,243 |
| Corvallis | $1,281 |
| Albany | $1,340 |
| Aloha | $1,433 |
| Tigard | $1,427 |
| Keizer | $1,367 |
| Lake Oswego | $1,521 |
| Grants Pass | $1,150 |
| Oregon | $1,418 |
| McMinnville | $1,325 |
| Redmond | $1,342 |
| Tualatin | $1,442 |
| West Linn | $1,539 |
| Bethany | $1,637 |
| Woodburn | $1,285 |
| Wilsonville | $1,398 |
| Forest Grove | $1,340 |
| Newberg | $1,386 |
| Roseburg | $1,240 |
| Hayesville | $1,272 |
| Ashland | $1,274 |
| Sherwood | $1,546 |
| Milwaukie | $1,332 |
| Happy Valley | $1,600 |
| Klamath Falls | $1,246 |
| Altamont | $1,263 |
| Central Point | $1,312 |
| Hermiston | $1,270 |
| Lebanon | $1,247 |
| Oak Grove | $1,333 |
| Four Corners | $1,283 |
| Canby | $1,400 |
Data from S&P Global Intelligence
Who gets the best cheap car insurance in Oregon?
As the car insurance prices above show, drivers with the best credit scores will typically see the lowest cost of coverage in Oregon. But, that doesn't mean that you can't save if you don't have a perfect credit score.
Raising your credit score could help lower your car insurance costs. And, you can save by shopping around for coverage. Every car insurance company prices premiums according to different factors, so you'll want to see what types of coverage and rates multiple companies offer.
Get quotes from several companies and compare them to find your best cost for coverage. Look for the policy with the most coverage types and the highest limits for your budget. Also make sure to look at the deductible, or the amount you'll pay out of pocket if you get into an accident. Generally, the lower the premium, the higher the deductible. Look for a policy that has a low deductible, the most coverage, and the lowest premium to find your best deal.
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