Cheapest Auto Insurance in Oregon (2025)

Known for its breathtaking coastlines and misty forests, Oregon is home to the country’s first scenic highway, the “King of Roads.” Drivers in the Beaver State pay relatively cheap rates for car insurance. With an overall average of $120 per month, Oregon residents pay less than the national average of $144 per month.

Oregon has a population density of 44.1 people per square mile, which may partially account for the low average car insurance rates.1 Drivers in areas with fewer people have lower risks of having car accidents and facing property damage.

Here’s what you need to know about finding the cheapest auto insurance in Oregon, including tips to help you find the best deals.

Cheapest car insurance companies in Oregon

Insurance quotes from different companies can vary depending on your driving record, vehicle type, age, credit history, location, and more. When shopping around for coverage, you don’t want to pick an insurance policy based solely on cost. You need to consider your coverage needs, driver profile, and more.

The table below shows three of the best insurance companies offering cheap car insurance rates in Oregon.

Best insurer for low-mileage drivers: Mile Auto

Best insurer for the military community: USAA

Best insurer for teen drivers: State Farm

How to get the cheapest car insurance in Oregon

Insurance companies take into account several factors when setting car insurance rates, including your driving history, ZIP code, marital status, age, credit, and even the type of car you drive.

Here are a few tips to help you find cheap car insurance in Oregon:

• Maintain a clean driving record. Traffic violations and accidents can cause your premiums to increase significantly. Drivers with clean records tend to pay the lowest average rates.

• Ask about discounts. Insurance companies may offer discounts for installing anti-theft devices, taking a defensive driver course, or bundling your home and auto insurance. Insurers also commonly offer discounts for safe drivers and good students.

• Shop around. Don’t settle for the first quote you get. Comparison shop to find coverage that fits your budget.2

Low-cost car insurance in Oregon

Oregon doesn’t have a low-income car insurance program. If you’re a driver looking for low-cost car insurance in Oregon, you should make sure you’re comparing car insurance quotes every time your policy renews. This allows you to get a good idea of how much you’re paying and whether you might save more money by switching to another car insurance company. Insurers are constantly changing how they calculate risk, and the company that previously had the best deal for you may no longer be the cheapest option.

Cheapest liability-only car insurance quotes in Oregon: Mile Auto

Liability insurance pays for damages or injuries you cause others in an accident, but it doesn’t cover damage to your own car.3 Liability-only car insurance at the state-mandated minimum is typically the cheapest option available.

The table below shows the companies offering the cheapest liability-only car insurance in Oregon.

Cheapest full-coverage car insurance quotes in Oregon: Mile Auto

Full-coverage car insurance provides liability coverage plus comprehensive and collision coverages, which cover damage to your vehicle from accidents and incidents like theft, vandalism, or falling tree branches. You may need full coverage if you finance or lease your car, drive an expensive vehicle, or just want more vehicle protection.

The following table shows the insurance companies offering the cheapest full-coverage car insurance in Oregon.

Car insurance requirements in Oregon

Like most other states, Oregon requires drivers to carry a minimum amount of insurance to legally operate a vehicle in the state. In addition to liability coverage, Oregon drivers also need minimum amounts of personal injury protection (PIP) and uninsured motorist coverage.

Here are the specific minimum limits Oregon drivers need to meet:4

While your policy has to at least meet the legal minimums, you might choose to carry higher limits, full-coverage car insurance, or the following coverage options to feel more secure on the road:

Cheapest car insurance companies in OR for drivers with an incident

In car insurance lingo, “incidents” refer to events involving your vehicle that could increase your risk profile when insurance companies consider your driving record. Incidents include at-fault accidents, speeding tickets, driving under the influence (DUI), and other moving violations.5

Insurers view past incidents as predictors of future behavior, so they typically increase rates for drivers with one or more incidents on their records. On average, Oregon drivers with a past incident pay $149 per month.

Cheapest car insurance quotes for drivers with a speeding ticket: Mile Auto

When you get a speeding ticket, you’ll have to face the cost of the ticket and higher car insurance premiums. Auto insurers view drivers with speeding tickets as more likely to have future accidents and file claims, and this increased risk leads to higher premiums.

The overall average cost of car insurance for Oregon drivers with a speeding ticket is $168 per month. Find cheap average quotes from top Oregon insurers below.

Cheapest car insurance quotes for drivers with an at-fault accident: Mile Auto

When you have an at-fault car accident, you may file an expensive claim with your auto insurer. Insurance companies increase your insurance rates to offset these costs. You may also lose any safe-driving discounts on your policy.

Drivers in Oregon with an at-fault accident pay $160 per month for car insurance, on average. Here’s a look at the insurance companies in Oregon offering the most competitive quotes for drivers with an at-fault accident on their record.

Cheapest car insurance quotes for drivers with a DUI: Mile Auto

A DUI is one of the most serious offenses a driver can commit. Because driving under the influence of drugs or alcohol significantly increases the likelihood of an accident, auto insurers view people with a past DUI as high-risk drivers.

The average cost of car insurance for Oregon drivers with a DUI is $147 per month. Here’s a look at some of the insurance companies offering competitive quotes for drivers with a DUI.

Cheapest car insurance quotes for seniors: Mile Auto

Your age can affect how much you pay for car insurance. Drivers in their mid-30s start to enjoy lower insurance rates due to growing driving experience and a lower propensity for risky behavior. This trend of decreasing rates typically continues for drivers throughout their 40s, 50s, and 60s.

However, drivers 70 and older often see insurance rates increase again as age-related changes in vision, slower reaction times, and various health conditions associated with aging put them at greater risk of having an accident.

Senior drivers in Oregon pay an average of $99 per month for car insurance. Here are some of the most affordable insurance companies for senior drivers in Oregon.

Cheapest car insurance quotes for teens: Mile Auto

Teen drivers pay some of the highest rates for car insurance due to their inexperience behind the wheel and tendency toward risky driving behaviors. Fortunately, you can qualify for lower rates in different ways, including joining your parents’ existing policy, driving a safe and reliable vehicle, maintaining good grades, and completing a defensive driving course.

The overall average cost of car insurance for teen drivers in Oregon is $246. In the table below, you can find budget-friendly options for teen drivers in Oregon.

Oregon car insurance quotes by credit tier

The state of Oregon allows insurance companies to use credit-based insurance scores to evaluate the risk of insuring a driver and determine rates, but only for new customers. Insurance companies operating in Oregon can’t cancel or choose not to renew a customer’s policy due to their credit.6

Insurance companies use credit history to predict how likely you are to file a claim. Drivers with good or excellent credit tend to pay the lowest rates, while people with poor credit pay higher rates.

Below is a table showing the average monthly full-coverage premiums in Oregon for drivers by credit tier.

Car insurance rates across Oregon cities

Weather events, traffic patterns, and vehicle crime rates in your city give car insurance companies an idea of how likely you are to file a claim. That’s why your city and ZIP code significantly affect your car insurance rate. Check out the table below for an idea of how much drivers in different cities in Oregon pay for car insurance.