Car Insurance for High-Risk Drivers in Oregon (2025)
High-risk drivers in Oregon pay more for car insurance than people with clean driving records, but you can take steps to lower your insurance rates.
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Your car insurance company may consider you a high-risk driver if you have a history of traffic violations or limited driving experience. Oregon drivers with a clean driving record pay an average monthly rate of $115. In comparison, high-risk drivers pay an average of $142 per month.
As a high-risk driver, you may struggle to find affordable car insurance, as insurance companies view you as more likely to file a claim. But buying auto insurance is essential — it allows you to drive legally and protects you financially.
Quick Facts
High-risk drivers in Oregon pay 29% more on average for car insurance than drivers with a clean record.
State Farm, Progressive, and Travelers rank among the best car insurance companies for high-risk drivers in Oregon.
Improving your driving record, taking a defensive driving course, and comparing quotes can help you find cheaper car insurance in Oregon as a high-risk driver.
Who is a high-risk driver in Oregon?
Insurance companies may consider you a high-risk driver if you meet the following criteria:[?]
History of traffic violations: A car accident, speeding ticket, or DUI on your record can make finding affordable car insurance more challenging.
Limited driving history: If you have a limited driving history, insurance companies view you as risky to insure. That’s one of the reasons teen drivers pay high rates for auto insurance.
Poor credit: In Oregon, insurers can consider your credit when determining car insurance rates. A poor credit history can lead to higher premiums.
Living in a high-risk area: Living in an area with high theft or vandalism rates can also make you a high-risk driver.
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Best Oregon auto insurance companies for high-risk drivers
Along with your driving history, insurance companies consider factors such as your age and gender, your ZIP code, and your car’s make and model when determining your premium. The following companies rank among the best Oregon auto insurance companies for high-risk drivers.
State Farm: Best for teens
Progressive: Best for customizable coverage
Travelers: Best for driver forgiveness
Cheapest car insurance in Oregon with an at-fault accident
If you file a claim for an at-fault accident, your insurance rates will most likely increase, and those higher rates could stay with you for up to three years.[?] Insurance companies raise your rates to account for the increased possibility of future claims. The table below lists the best insurers for Oregon drivers with one at-fault accident on their record, according to Insurify data.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company  | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Mile Auto | $95 | $114 |
| State Farm | $97 | $122 |
| Sun Coast | $102 | $244 |
| USAA | $116 | $147 |
| GEICO | $119 | $150 |
| National General | $124 | $219 |
| Bristol West | $136 | $257 |
| Root | $144 | $225 |
| Dairyland | $145 | $335 |
| Safeco | $145 | $205 |
| COUNTRY Financial | $149 | $189 |
| The General | $151 | $252 |
| Direct Auto | $163 | $277 |
| American Family | $167 | $211 |
| Nationwide | $174 | $220 |
| Allstate | $192 | $242 |
| GAINSCO | $206 | $414 |
| Farmers | $226 | $287 |
| Liberty Mutual | $230 | $284 |
| Travelers | $281 | $355 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance in Oregon with a DUI
A DUI on your record is a serious infraction, and just one will cause your insurance rates to skyrocket. The Oregon Driver and Motor Vehicle Services Division states that 40% of all traffic deaths are the result of impaired drivers.[?] Insurify data shows the companies listed below are the cheapest insurance companies for Oregon drivers after a DUI.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Sun Coast | $89 | $213 |
| Mile Auto | $94 | $112 |
| State Farm | $98 | $123 |
| USAA | $115 | $146 |
| GEICO | $120 | $151 |
| National General | $123 | $218 |
| Bristol West | $136 | $258 |
| Root | $143 | $224 |
| Dairyland | $144 | $334 |
| The General | $144 | $241 |
| COUNTRY Financial | $146 | $185 |
| Safeco | $146 | $206 |
| Direct Auto | $158 | $267 |
| American Family | $166 | $210 |
| Nationwide | $173 | $218 |
| Allstate | $191 | $241 |
| GAINSCO | $211 | $424 |
| Farmers | $226 | $286 |
| Liberty Mutual | $227 | $281 |
| Travelers | $278 | $352 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest auto insurance in Oregon with a speeding ticket
Even a single speeding ticket can cause your insurance rates to increase. Speeding is a form of reckless driving, which increases the risk and severity of car crashes.[?] Insurers raise your premiums after a ticket to account for this risk. The table below shows the cheapest insurers for drivers with a speeding ticket, according to Insurify data.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Mile Auto | $89 | $106 |
| State Farm | $96 | $121 |
| Sun Coast | $102 | $243 |
| USAA | $115 | $145 |
| National General | $120 | $212 |
| GEICO | $125 | $157 |
| Bristol West | $133 | $252 |
| Safeco | $140 | $198 |
| Dairyland | $141 | $326 |
| Root | $149 | $234 |
| The General | $150 | $249 |
| COUNTRY Financial | $153 | $194 |
| Direct Auto | $155 | $263 |
| American Family | $166 | $210 |
| Nationwide | $173 | $218 |
| Allstate | $192 | $241 |
| GAINSCO | $198 | $398 |
| Farmers | $224 | $283 |
| Liberty Mutual | $225 | $277 |
| Travelers | $279 | $352 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
How to find cheaper car insurance for high-risk drivers in Oregon
High-risk drivers generally pay more for car insurance, but you can take steps to reduce these costs:[?]
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How to improve your driving record in Oregon
If you’re a high-risk driver, improving your driving record is one of the best ways to lower your car insurance costs. These tips can get you started:
Take a defensive driving course. Many insurance companies offer discounts to people who take a defensive driving course. Oregon also offers eligible drivers the Traffic School Diversion Program, which can remove minor traffic violations from your record.
Focus on good driving habits. The best way to improve your driving record is to obey traffic laws, drive at or below the speed limit, and avoid distractions while driving.
Oregon high-risk drivers insurance FAQs
Being labeled a high-risk driver can be stressful, but even with violations on your record, you can find ways to save on insurance. This additional information may help.
What makes you a high-risk driver in Oregon?
In Oregon, a high-risk driver has a history of traffic violations, like speeding tickets, at-fault accidents, or DUIs. Insurers also consider drivers in areas with high theft or vandalism rates and people with a limited driving history as high-risk.
How long will insurers consider you a high-risk driver?
How long you’re considered a high-risk driver depends on your driving history and your insurance company’s policies. Minor driving infractions can stay on your record for three to five years, and more serious offenses can remain for five years or longer.
What is an SR-22, and how do you get one?
An SR-22 is a certificate showing that you meet the state’s minimum liability coverage requirements. Your insurance company will file this form for you with the Oregon DMV.
What is the cheapest insurance company for Oregon high-risk drivers?
The cheapest insurance company for Oregon high-risk drivers is Mile Auto, but that doesn’t mean it’ll be the cheapest company for you. Compare multiple quotes and coverage options to get the best rates.
How much does high-risk auto insurance cost in Oregon?
In Oregon, high-risk auto insurance costs an average of $111 per month for liability-only coverage and $173 for full coverage.
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