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 $120. In comparison, high-risk drivers pay an average of $149 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.
Who is a high-risk driver in Oregon?
Insurance companies may consider you a high-risk driver if you meet the following criteria:1
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.
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.2 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.
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.3 Insurify data shows the companies listed below are the cheapest insurance companies for Oregon drivers after a DUI.
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.4 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.
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:5
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.