The Ultimate Guide to Cheap Car Insurance in Oregon for 2022

Finding cheap car insurance in Oregon isn’t always an easy task. But luckily, it is entirely possible to obtain cheap car insurance as an Oregon driver. 

We’ve amassed all of the details you need to know about insurance requirements. Plus, how to find the cheapest car insurance in Oregon whether you are a teen, married, single, or retired driver. 

Let’s dive into what you need to know as you search for a cheap car insurance option in Oregon. 

These are the Cheapest Car Insurance Companies in Oregon for 2022

The average Oregon driver pays a little less than $1,000 a year for their car insurance, about 10% less than the national average rate. But that doesn’t mean there aren’t some serious savings still on the table. If you want to pay less for car insurance in Oregon, we’ve got you covered. Below, we’ve analyzed thousands of real-life car insurance quotes to find out which companies are offering the best rates for all types of Oregon drivers. Keep reading to find the company that’s right for you, your vehicle, and (most importantly) your wallet.

Cheapest Car Insurance for Teen Drivers in Oregon

Finding affordable car insurance for a teen driver is challenging. With limited experience as a driver, car insurance companies often charge considerably higher rates for teens. The good news is that Dairyland offers somewhat affordable car insurance for teen drivers. 

With Dairyland, the average teen driver pays $205 per month for car insurance.

Cheapest Car Insurance for Young Drivers in Oregon

Even if you aren’t a teenager anymore, shopping for car insurance as a young driver often leads to relatively high costs. If you are younger than 25 years old, you’ll be facing higher car insurance rates until your 25th birthday. But that doesn’t mean you should overpay for car insurance. 

As a young driver, Dairyland can offer some of the most affordable rates on the market. On average, drivers aged 18 to 24 pay an average of $165 per month for car insurance.

Cheapest Car Insurance for Retired Drivers in Oregon

After decades of more affordable car insurance rates, retired drivers will see their premiums start to increase slowly. The rising rates are a reflection of the increased risk insurance companies perceive in retired drivers. 

If you are 65 or older, you can still find affordable rates offered by some insurance providers. Here are the top two cheapest options. 

As a retired driver, you will find the lowest rates with Mile Auto with an average monthly premium of $54 per month. If Mile Auto doesn’t work out, then check out Answer Financial, which offers an average monthly premium of $56 per month. 

Cheapest Car Insurance for Married Drivers in Oregon

Wedding bells can ring in more than a happily ever after. After you’ve tied the knot, you might be surprised by the noticeable decrease in your auto insurance rates. 

If you are a married driver, here are the insurance companies that can offer the best rates. 

Again, Mile Auto offers the most affordable rates around from married drivers with an average monthly premium of $54 per month. The next most affordable options include Answer Financial at $68 per month, MetroMile at $74 per month, and Liberty Mutual at $91 per month. 

Cheapest Car Insurance for Single Drivers in Oregon

Single drivers across the nation pay a bit more than a married driver for car insurance. But being single doesn’t mean that you should overpay for your insurance. Instead, shopping around with the most affordable providers can lead to an option that suits your budget. 

Here are the top insurance companies to consider as a single driver in Oregon looking for cheap insurance. 

Mile Auto claims the top spot again for offering the cheapest car insurance rates for single drivers in Oregon with an average monthly rate of $65. Next, check out MetroMile at $75 per month, Answer Financial at $76 per month, and DirectGeneral at $81 per month. 

Cheapest Car Insurance for Men vs. Women in Oregon

On a national level, men typically have to pay more for car insurance. But that’s not the case in Oregon. Instead, men will find slightly lower rates than women when driving in the state. 

Cheap Car Insurance for Men in Oregon

As a male driver in Oregon, here’s where you’ll find the most affordable rates. 

As with other demographics, Mile Auto is offering the most affordable rates to male drivers with an average of $61 per month. After that, drivers can look at MetroMile at $70 per month, Answer Financial at $75 per month, and DirectGeneral at $82 per month. Finally, Liberty Mutual offers significantly more expensive rates, with an average of $88 per month for male drivers. 

Cheap Car Insurance Companies for Women in Oregon

Women drivers will pay slightly more than their male counterparts in Oregon. But don’t overpay! Check out the companies below for the best rates. 

At this point, you likely aren’t surprised that Mile Auto is offering the most affordable monthly premium with an average of $65 per month. But you’ll also find relatively affordable rates through Answer Financial at $76 per month, MetroMile at $78 per month, DirectGeneral at $80 per month, and Dairyland at $84 per month. 

Cheapest Car Insurance for Oregon Drivers with Spotty Records

If you have a spotty driving record, obtaining cheap car insurance is tricky. But some insurance companies are more willing to offer affordable than others. 

Cheap Car Insurance for Drivers with a Ticket on their Record

For drivers with a ticket on their record, you’ll find higher rates than other drivers on the road. But shopping around means you won’t overpay for a dark spot on your record. Here’s where to start your search. 

Mile Auto comes to the rescue by offering an average monthly premium of $73. That’s fairly affordable, especially if you have a ticket on your record. Other affordable options include Direct General at $87 per month, MetroMile at $89 per month, and Dairyland at $99 per month. 

Answer Financial ($101/month) and Liberty Mutual ($144/month) are considerably more expensive options.

Cheap Car Insurance for Drivers with Multiple Tickets on their Record

If you have more than one ticket on your record, then finding affordable premiums can be even more of a challenge. 

Luckily, some car insurance companies are willing to offer reasonable rates. Here’s where to look for cheap car insurance if you have multiple tickets on your record. 

Mile Auto should be the first stop in your search. The company offers drivers with multiple tickets on their record car insurance for an average of $75 per month. 

Answer Financial and Direct General are also two good options with average monthly premiums of $75 and $101, respectively. Although slightly more expensive, Dairyland is also a good option with an average monthly premium of $110. 

Cheap Car Insurance for Drivers with an Accident or Multiple Accidents on their Record

Whether you have one accident in your past or several, finding affordable car insurance can be a challenge. Unfortunately, insurance companies view drivers with a history of accidents as a higher risk. And with that increased risk comes increased insurance premiums. 

If you are searching for cheap car insurance with accidents in your past, the best option is to compare quotes from multiple providers. By taking a minute to compare all of your options, you can find the best possible rate for your situation. Let us help you start your search for the best deal now!

Cheapest Oregon State Minimum Coverage

Sticking to the absolute minimum state coverage requirements can help you save on your car insurance costs. If you are hunting for the cheapest possible option to satisfy your legal insurance requirements, here are the companies to consider. 

You can get state minimum coverage in Oregon for as low as $58 per month when you work with Mile Auto. The next most affordable options include MetroMile at $66 per month, Direct Auto at $74 per month, and Answer Financial at $74 per month. 

If you are looking for a rock bottom rate, don’t forget to consider any special discounts that you might qualify for. You might be able to save even more by bundling policies, being a safe driver, or choosing a vehicle with top safety features. 

Cheapest Full Coverage Car Insurance in Oregon

Opting for the minimum state coverage can lead to savings upfront. But if you have to use your insurance, you might be happy to have full coverage. Full coverage offers more financial protection in the event of an incident. 

Choosing full coverage means more expensive monthly premiums. But still, you should never have to overpay! These car insurance companies offer Oregon drivers the best rates on full insurance coverage. 

Once again, Mile Auto offers Oregon drivers a great deal with an average monthly premium of $82 for full coverage. Direct Auto is another option with a monthly average of $117, but that’s considerably more expensive. 

If you are looking for the most affordable coverage, take a minute to compare rates. That’s the best way to lock in the most affordable option. 

The Best Rated Car Insurance Companies in Oregon

The J.D. Power organization conducts a customer satisfaction survey to evaluate car insurance companies in each region. Every year, the ratings are determined on a 1,000 point scale. 

Oregon is included within the Northwest region for the survey. Below we’ve listed the best-rated companies from the survey that operate in the Beaver State. 

• USAA – 844 points
• State Farm – 844 points
• PEMCO Insurance – 835 points

Companies above this point scored higher than the regional average, which was 827. Below this point, companies scored lower than the average.

It is important to note that a rating below this point doesn’t mean that a company doesn’t offer affordable car insurance coverage. But it could mean that you won’t have a top customer service experience with companies below this point. 

• Allstate – 825 points
• American Family – 823 points
• GEICO – 821 points
• Progressive – 817 points
• Farmers – 813 points
• Safeco – 803 points

When shopping for the right car insurance, finding an affordable rate is critical. However, a great rate is not the only thing to keep in mind. You’ll also want to consider the reputation of the insurer. If an insurance company has a good reputation, you’ll likely find a smooth experience. 

Although no one wants to file a claim, a smooth process can make all the difference. With that, it is important to find a car insurance option that strikes a balance between budget and reputation. 

Oregon Car Insurance Discounts

As you search for the most affordable car insurance rates, don’t forget to look for any available discounts. You could tap into significantly lower car insurance premiums with the right discount. 

Oregon drivers will find various discounts based on their unique circumstances. But not all insurance companies offer the same discounts. With that, it is important to shop around with possible insurance discounts in mind to see what you may qualify for. 

Here are some common discounts to look for as you search for cheap car insurance in Oregon. 

• Customer loyalty discounts. If you are willing to stick with one insurance company for a long time, you might find a healthy customer loyalty discount offered to you are some point. But don’t forget that shopping around will likely lead to the best insurance rates. 

• Pay in full discount. Paying for your annual car insurance premium upfront is not an easy task for most budgets. But if you have the funds available, you could unlock a big discount by paying in advance. It never hurts to ask for this discount if you have the cash!

• Multi-policy discount. Most insurance shoppers need more than one type of insurance. After all, your vehicle is likely not the only asset that you need to protect. A few other types of insurance you might need include homeowners insurance, renter’s insurance, and life insurance. Bundling these policies could lead to big savings. 

• Multi-car insurance discounts. Have multiple cars to insure? A multi-car discount could result in a substantial discount.

• Light usage discount. Infrequent drivers can stop overpaying for car insurance with light usage discounts. As an infrequent driver, opting for a low based rate that increases with your mileage could be the right move. 

• Good driver discount. Those with a track record of safe driving can tap into a big discount. In most cases, you will have to submit to a temporary tracking system. But the temporary inconvenience could be worth up to a 40% discount.

• Defensive driver’s course discount. Even if you have a less than perfect driving record, a defensive driver course shows that you are serious about safe driving. Ask your insurance company if they offer this discount. Also, check that any course you take is approved before signing up to ensure you get your discount. 

• Vehicle safety discount. If you drive a vehicle with top-of-the-line safety features, that can lead to a discount. Check to see what safety features your car may have to qualify for a discount. 
• Good student discount. Some insurance companies will offer discounts to students with good grades. It is worth asking for more information from your insurance company if a driver on your policy is in school. 

Are you an Oregon driver that wants more information about the potential discounts you can pursue? Check out this full piece with all of the details you need to know. 

Compare Car Insurance Rates by Oregon Cities

The area you live in is one of the main factors that determine how much or how little you pay for car insurance. If your area has a high auto theft rate, you may pay more. If there is very little traffic on your way to work, you may end up paying less. To help you see how rates vary from city to city, check out our rate comparison table below.

Click on the name of each city in the table above to find detailed breakdowns on all the factors that go into calculating your monthly premium. Here, you’ll find all the information you need on how things like driving record, age, gender, vehicle make and model, and more will affect how much you pay for car insurance in each locality.

And if you want to jump right in and see how much you’ll pay, simply enter your ZIP code below and find your best rate in minutes!

Oregon Car Insurance Requirements

Liability coverage is mandatory in Oregon. In order to drive legally, you need to have:

• $25,000 in bodily injury liability per person and $50,000 per accident: Bodily injury liability pays for other people’s medical bills and other losses if they get hurt in an accident that’s your fault
• $20,000 in property damage liability: This pays for damage to other people’s property in an accident you cause
• $25,000 in uninsured motorist bodily injury liability per person and $50,000 per accident: Uninsured motorist (UM) coverage pays for injuries you and your passengers suffer in an accident caused by an uninsured or hit-and-run driver
• $15,000 in personal injury protection (PIP): PIP benefits can pay medical bills for you, your family members and other people covered on your policy, no matter who’s at fault in an accident

Without this minimum insurance, it is illegal to drive. If caught, you could face steep penalties. 

Oregon Car Insurance Penalties

If you’re on a tight budget, you might be tempted to skip buying insurance. Don’t do it! Oregon has serious penalties for driving uninsured. If you’re caught and convicted, you’ll have to pay a fine of at least $130. But that fine could be up to $1,000. 

In addition to the penalty, your license will be suspended for a year unless you buy SR-22 insurance.

SR-22 insurance is no fun. It’s a special, more expensive form of car insurance for high-risk drivers. In Oregon, you’ll have to carry it for three years after being convicted of driving without insurance.

So don’t drive uninsured because you can’t find affordable Oregon car insurance. We can help you find cheap quotes in just minutes. Let’s go!

Oregon Vehicle Registration Fees and Other Costs

If you’re in the market for a new or used car, you’ll need to budget for more than just the vehicle’s sticker price. You’ll be on the hook for basic DMV fees like title, license plate, and registration fees no matter where and how you purchase your new car, truck or SUV, as well as buying a new car insurance policy for your car. But some buyers will find themselves with additional fees such as sales tax, documentation fees, personal property tax, emissions and inspection fees, hybrid and electric vehicle fees, lien recording fees and a slew of other costs.

Check out Compare.com’s comprehensive vehicle costs breakdown to make sure you account for all the added fees you might be on the hook for when buying a car in Oregon.

Oregon Auto Insurance FAQs

What car insurance is required in Oregon?

Oregon requires drivers to obtain a certain level of liability coverage to drive legally. 

As a driver in Oregon, you’ll need to have at least $25,000 in bodily injury liability per person and $50,000 per accident; $20,000 in property damage liability; $25,000 in uninsured motorist bodily injury liability per person and $50,000 per accident; and finally $15,000 in personal injury protection.

Of course, this is just a minimum. As a driver, you may decide to opt for full coverage. Ultimately, full coverage will provide more financial protection in the event of an accident. 

How much is car insurance in Oregon?

On average, Oregon drivers pay $81 per month for car insurance. However, your unique driving record and location will greatly impact your car insurance rates. 

The best way to secure a great rate is to compare quotes across multiple insurance providers. With a quick comparison, you can lock in the best possible rates for your situation. 

What happens if you drive without car insurance in Oregon?

Driving without insurance might seem like the only solution if you don’t have room in your budget for this cost. But choosing to drive without insurance in Oregon is illegal. Not only is it illegal to drive without insurance, but it can also be incredibly expensive. 

If you are caught driving without insurance in Oregon, you could be fined anywhere from $130 to $1,000. Plus, deal with a full year of having a suspended license. You can get back on the road sooner. But you’ll have to pay for SR-22 insurance, which is an extremely expensive form of insurance that you’ll have to carry for three years. 

Ultimately, driving without insurance can lead to expensive penalties. Try shopping around for the state minimum coverage to find an option that fits in your budget. 

Does Oregon require full coverage insurance?

No, Oregon doesn’t require full coverage. But you will have to purchase liability insurance to drive within the state legally.