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Erin Gobler is a personal finance writer and journalist who has been writing for Compare.com since 2023. With more than five years of experience personal finance experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more.
Her work has been featured in major publications like Business Insider, Fox Business, and Time.
Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Oregon drivers pay an average of $127 per month for car insurance, compared to the national average of $150, according to Compare.com data.
Oregon’s affordable insurance rates may be due to its relatively low population density, according to the U.S. Census Bureau. This means it may experience less traffic congestion than more densely populated states.
If you’re shopping for cheaper car insurance in Oregon, keep reading to learn more about the state’s average rates, factors that can affect your premiums, and how to save money on insurance.
Mile Auto offers the lowest average rates in Oregon, at just $62 per month.
Oregon drivers pay an average of $98 per month for liability insurance and $156 for full coverage.
State law requires all Oregon drivers to have 25/50/20 liability insurance coverage limits, as well as PIP and uninsured motorist coverage.
Your location plays an important role in your auto insurance costs. While plenty of personal factors like your age and driving record affect your rates, auto insurance premiums can vary from state to state.
The table below breaks down the average monthly insurance premiums for various drivers and policy types in Oregon and how it compares to the overall average for all drivers, according to Compare.com data.
Driver/Coverage Type  | Average Monthly Premium |
|---|---|
| All Oregon drivers | $127 |
| State-minimum coverage | $98 |
| Full coverage | $156 |
| Teens | $256 |
| Seniors | $97 |
| Clean driving record | $127 |
| Recent ticket | $182 |
| Recent at-fault accident | $185 |
| DUI conviction | $210 |
| Poor credit | $147 |
Oregon drivers pay an average of $127 per month for car insurance. That breaks down to $98 per month for state-minimum coverage and $156 for full coverage.
Keep in mind that average rates are just that: averages. Premiums can vary widely based on your unique driving profile and insurance policy type, so the state’s average rates aren’t necessarily reflective of your final rate.
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Like almost every other U.S. state, Oregon requires all drivers to have car insurance. As an at-fault state, Oregon requires the person responsible for an accident to pay for the damages.
All drivers must have the following coverages, according to the Oregon Driver and Motor Vehicle Services Division:
$25,000 in bodily injury liability coverage per person
$50,000 in bodily injury liability coverage per accident
$20,000 in property damage liability coverage per accident
Additionally, Oregon requires all drivers to have at least $15,000 per person of personal injury protection (PIP). PIP pays for your own medical expenses if you have injuries from an accident, regardless of who’s at fault.
Drivers must also buy $25,000 per person and $50,000 per accident of uninsured motorist coverage, which applies when the at-fault driver doesn’t have liability insurance.
Purchasing liability insurance means you’ll meet Oregon’s minimum auto insurance requirements, but it still may not be enough to provide the coverage you truly need. The minimum requirements only protect other people’s property, not your own.
If you’re in an accident that injures you or damages your vehicle, your insurance won’t pay for your medical bills or repairs. And it won’t cover any liability damages that exceed your policy’s limits either. For this reason, experts typically recommend buying coverage above the state’s minimum limits.
Full coverage — which includes comprehensive and collision insurance — provides coverage for you and your vehicle. If you finance or lease your vehicle, your lender may even require you to have full coverage.
Regardless of the average insurance rates in Oregon, it’s possible to find ways to save on your premiums. Several companies offer rates that are well below the statewide average. In the table below, you can find the cheapest auto insurers in Oregon, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $62 |
| National General | $103 |
| Safeco | $106 |
| Root | $106 |
| Dairyland | $118 |
| Bristol West | $124 |
| Direct Auto | $126 |
| The General | $134 |
| Liberty Mutual | $145 |
| GAINSCO | $161 |
Mile Auto currently offers the cheapest average rates in Oregon, with an average monthly premium of just $62 per month, according to our research. In the next section, you can read a more detailed breakdown of the cheapest companies by top rating factors, including age, driving history, and credit profile.
While a handful of companies stand out as having the cheapest rates in Oregon and are a good starting point when you’re shopping, they may not be right for everyone. Your personal rates can vary widely based on factors like your age, driving record, ZIP code, and more.
To help you get an idea of which insurers may offer the cheapest rates, see the table below. It shows the cheapest companies and average rates for various demographics and coverages, according to Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Mile Auto | $62 |
| Full coverage | Mile Auto | $75 |
| Teens | Mile Auto | $132 |
| Seniors | Mile Auto | $45 |
| Drivers with a speeding ticket | Mile Auto | $81 |
| Drivers with an at-fault accident | Mile Auto | $85 |
| Drivers with a DUI | Mile Auto | $101 |
| Drivers with excellent credit | Mile Auto | $53 |
| Drivers with poor credit | Mile Auto | $73 |
The best way to get an accurate estimate of your rates is to shop around and compare quotes from several different companies. You can shop directly with multiple insurers, but insurance comparison sites are the best way to see rates from many companies at the same time.
For more help finding the cheapest rates, read the next section to learn about the cheapest insurance companies for various Oregon cities.
Compare personalized quotes from Oregon’s top insurers.
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Insurance premiums can still vary drastically from city to city. Factors like a city’s population, traffic patterns, crime rate, and more can influence premiums. More populated cities and those with higher crime rates results tend to have higher insurance premiums, while cities with safer roads and less crime may have lower rates.
The table below shows average premiums and the cheapest insurers for a few of Oregon’s largest cities, according to our data.
City | Citywide Average Monthly Premium | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|---|
| Portland | $161 | Mile Auto | $78 |
| Salem | $151 | Mile Auto | $73 |
| Eugene | $115 | Mile Auto | $56 |
Drivers in Portland — Oregon’s largest city — can find the cheapest rates with Mile Auto. The insurer charges an average monthly premium of $78, according to our data.
If you live in Portland, you might consider starting your search with this company. But if you live elsewhere in the state, you may find this insurer isn’t necessarily the cheapest. No matter where you live, it’s worth comparison shopping to find the best rate for you.
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There’s no single best insurance company that’s right for everyone, but we’ve narrowed down the options to three companies in Oregon. We chose the following companies based on a combination of average premiums, coverages available, and discounts in Oregon.
Keep reading to learn more about these companies to discover which may be the best fit for you.
Savings for low-mileage drivers
No required tracking/telematics devices
Fast and easy sign-up process
High rates for frequent drivers
Requires monthly odometer submissions
Relatively few coverage options
Mile Auto offers pay-per-mile auto insurance, which means your mileage dictates your monthly rate. You’ll pay a base rate plus an additional per-mile rate. For example, if you drive 300 miles with a base rate of $48 per month and a mileage rate of $0.08 per mile, you’d pay $72 for the month, according to Mile Auto. That’s lower than you’ll pay with many traditional insurers.
The company has a fast and easy sign-up process. Rather than tracking your driving like some other companies, Mile Auto asks you to submit a monthly photo of your odometer. It requires a bit of extra effort on your part but in exchange for more privacy.
Savings program for safe drivers
Diminishing deductibles and accident forgiveness available
Lifetime guarantee on repairs
High number of customer complaints
Below-average claims satisfaction
Not the lowest rates for full coverage
National General has some of the best rates for liability-only policies and offers even more ways to save. Its telematics program, DynamicDrive, offers a discount just for signing up and additional savings based on your driving habits.
Additionally, optional coverages like diminishing deductibles and accident forgiveness can help you save money over time. As an added bonus, National General offers a lifetime guarantee on all repairs made at one of its Gold Medal Repair Shops.
Many savings opportunities for safe drivers
Wide variety of available coverage options
Large network of local independent agents
Must connect with agent to get a quote
Below-average customer satisfaction
Fewer discounts than most companies
In addition to having some of the cheapest rates in Oregon, Safeco also has several ways for you to save on your premiums. First, you can get rewards like accident forgiveness, claims-free cash back, and diminishing deductibles for your policy. You can also sign up for Safeco’s RightTrack program and save money for your safe driving habits.
Safeco is also a great option if you prefer working with a local independent agent rather than simply calling a company’s national customer service line. But you’ll sacrifice some perks, such as online quotes and sign up.
Compare quotes side-by-side and lock in cheaper rates.
Taking advantage of discounts is one of the easiest ways to save money on your car insurance — and there’s a good chance you’ll qualify for at least a couple of them. Available discounts vary by insurance company and state, but many companies offer discounts for safe driving, vehicle safety features, bundled policies, and more.
In Oregon specifically, the law requires insurance companies to offer a discount to drivers age 55 and older who complete a motor vehicle accident prevention course approved by the state’s department of transportation.
The good news is that, whether you qualify for discounts or not, there are several other ways to save on your car insurance, which you can learn more about in the next section.
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As you’re preparing to shop for coverage, here are a few tips that can help you get cheap car insurance rates:
Choose the right coverages and limits. Reducing your coverage limits or eliminating certain coverages can lower your premiums. But it’s important to find the right balance — you still need to make sure you have enough coverage to protect yourself if you get into a serious accident.
Raise your deductible. Generally speaking, the higher your deductible, the lower your monthly premium — but the more you’ll have to pay out of pocket if you file a claim. Consider building an emergency fund to make sure you can cover the additional expense.
Drive safely. Maintaining a clean driving record is the best way to keep your insurance premiums as low as possible. It’ll also likely make you eligible for certain discounts such as a safe driver discount or telematics savings programs.
Improve your credit. Drivers with good credit tend to get the best insurance rates. If you have fair or poor credit, find ways to improve it before shopping for insurance.
Shop around for quotes. You can get the best rates by shopping around and comparing rates from multiple companies at each renewal to find the best rates.
Compare personalized quotes and get cheaper rates in minutes.
Before shopping for car insurance in Oregon, read answers to the most common questions to help you find the best rates.
Mile Auto currently has the cheapest rates in Oregon, with an average monthly premium of $62, according to our research.
But remember, it may not be the cheapest company for every driver. Since a wide array of factors can affect rates, the best way to find the cheapest company for you is by comparing quotes from as many as possible.
Car insurance in Oregon costs an average of $127 per month, according to our data. Drivers pay an average of $98 for liability-only coverage and $156 for full coverage.
The Subaru Forester is the cheapest car to insure in Oregon, according to Compare.com data. But because your personal characteristics play such an important role in determining your insurance premiums, driving a Forester doesn’t necessarily guarantee access to the best rates.
The average 16-year-old in Oregon pays $256 per month for car insurance, according to our data. Teen drivers tend to pay some of the highest insurance premiums of all age groups. Comparing multiple companies before buying a policy is key to getting the best deal.
U.S. Census Bureau, “Population Density of the 50 States, the District of Columbia, and Puerto Rico,” accessed January 7, 2024.
Oregon Driver & Motor Vehicle Services, “Insurance Requirements,” accessed January 7, 2024.
National Association of Insurance Commissioners, “National General Ins Co National Complaint Index Report,” accessed January 7, 2024.
J.D. Power, “2024 U.S. Auto Claims Satisfaction Study,” accessed January 7, 2024.
J.D. Power, “2024 U.S. Auto Insurance Study,” accessed January 7, 2024.
OregonLaws, “ORS 742.490 Premium reduction,” accessed January 7, 2024.
Insurance Information Institute, “How to save money on car insurance,” accessed January 7, 2024.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Erin Gobler is a personal finance writer and journalist who has been writing for Compare.com since 2023. With more than five years of experience personal finance experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more.
Her work has been featured in major publications like Business Insider, Fox Business, and Time.
Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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