Best Car Insurance in Oregon
To rank the best car insurance providers in Oregon, our team collected many data points on providers in the state. These were in the categories of reputation, availability, coverage, cost and customer experience. We consider industry ratings from sources like AM Best, J.D. Power and the Better Business Bureau (BBB) plus customer review analysis and more.
Compare Oregon Auto Insurance
Below, you can compare our top picks for Oregon car insurance side by side:
| Best Car Insurance in Oregon | Our Score | Reputation | Availability | Coverage | Cost | Customer Experience |
| 1. State Farm | 9.4 | 10 | 9.8 | 9.2 | 9.3 | 9.3 |
| 2. Travelers | 9.5 | 9 | 10 | 9.8 | 9.8 | 8.7 |
| 3. Country Financial | 8.9 | 8.8 | 8.1 | 8.9 | 9.7 | 8.4 |
| 4. USAA | 9.2 | 8.9 | 8 | 9.5 | 9.7 | 8.9 |
| 5. Geico | 9.1 | 9.7 | 10 | 8.4 | 9.1 | 8.8 |
*Our research team considers nationwide factors when rating providers. The ranking order of providers in this table is specific to car insurance in Oregon.
Customer Experience
Customer experience is one of the most important factors when choosing an auto insurance policy. Cheap rates and good add-ons are nice to have, but customer experience encompasses how insurance agents treat policyholders and how the claims process goes.
To rate customer experience, we conducted a secret shopping analysis of insurance companies. We also surveyed nearly 7,000 insurance customers on their experiences with major providers and included average ratings from the survey in our methodology. Our team analyzed customer reviews and complaints on platforms like the BBB as well.
Best Car Insurance Companies in Oregon
Now we’ll take a detailed look at our Oregon car insurance recommendations. The J.D. Power scores below come from the J.D. Power 2023 U.S. Auto Insurance Study℠, which surveyed policyholders on their satisfaction with their insurers’ billing process, claims, interactions, policy offerings and price and broke down ratings by region. For this article, we look at results from the Northwest region, which includes Idaho, Montana, Oregon, Washington and Wyoming. The minimum- and full-coverage rates below apply to 35-year-old drivers with good credit scores and clean driving records.
#1 State Farm: Best Customer Experience
J.D. Power score: 821/1,000
AM Best financial strength rating: A++
BBB rating: C-
State Farm is one of the cheapest car insurance companies in the state with minimum-coverage rates of $46 per month and full-coverage rates of $101 per month.
Cheapest coverage in Oregon
High scores on J.D. Power surveys
Good discounts and programs for teen drivers
Read more: State Farm Insurance Review
Coverage
State Farm offers all the standard car insurance options (as do all our top picks):
State Farm also offers a few add-ons:
- Car rental and travel expense: This option covers a rental car during a claim up to a limit plus food and lodging if you have an accident over 50 miles from home.
- Emergency road service: This covers things like battery jump-start and spare tire installation if you get stuck on the side of the road.
- Rideshare coverage: This covers you when you’re signed into a rideshare app and waiting to accept a trip (regular car insurance doesn’t cover this).
Looking at usage-based insurance, the company’s Drive Safe & Save™ program can award discounts based on good driving habits. Young drivers can also use the Steer Clear® app to get a discount after completing educational modules.
Reputation
State Farm has a positive reputation from the majority of industry sources, which is why we gave it our Best Customer Experience award. It has a high financial strength rating from AM Best and performs well on three J.D. Power studies:
These results show that the majority of customers have a positive experience with the company. That said, State Farm has a C- rating on the BBB because of the number of unresolved complaints at this time.
#2 Travelers: Best for Most Drivers
J.D. Power score: Not ranked
AM Best financial strength rating: A++
BBB rating: A
Travelers offers affordable full-coverage rates of $116 per month in Oregon.
IntelliDrive® usage-based program
Good add-on coverage options
High financial strength rating
Below-average 2023 J.D. Power scores for shopping experience and claims
Read more: Travelers insurance review
Coverage
Travelers offers some add-ons beyond the standard coverage options, including roadside assistance, rideshare coverage and rental car reimbursement. Other options include:
- New car replacement: Replaces your car with a new model if it’s under five years old
- Accident forgiveness: Keeps your rates from raising after one car accident within a specific period
- Loan/lease gap insurance: Pays what you owe on your auto loan if it’s above your vehicle’s value in the event of a total loss
If you’re a good driver, you can try Travelers’ IntelliDrive usage-based program to earn a discount. This program tracks braking, acceleration, speed, distracted driving and the time of day.
Reputation
We gave Travelers our Best for Most Drivers award in our nationwide review of the industry because it has well-rounded coverage options for many driver profiles. It’s also known for resolving complaints quickly on the BBB so it has an A rating. It also has a high financial strength score from AM Best, which shows it can cover claims easily. That said, the company scored below average in the J.D. Power Auto Insurance Study and Auto Claims Satisfaction Study.
#3 Country Financial: Best for High-Risk Drivers
J.D. Power score: Not rated
AM Best financial strength rating: A+
BBB rating: A-
Country Financial is a midsize insurer that offers low minimum-coverage rates of $48 per month in Oregon. Because it’s affordable and offers helpful add-ons for those who’ve gotten into accidents, it’s a good option for high-risk Oregon drivers.
Cheap minimum-coverage rates
13 car insurance discounts
Not large enough to rank on every single J.D. Power study
Coverage
Country Financial offers a few add-ons we’ve mentioned above, like roadside assistance and rental car coverage. Its rental car reimbursement provides up to $800 during a covered claim. The add-on can also cover food and lodging if you get into an accident over 100 miles from home.
Other add-ons from Country Financial include:
- The Keeper®: This is the company’s new car replacement option. It covers a new car if your car is totaled as long as the repair damage is greater than the new car’s price.
- Personal effects coverage: This covers up to $800 of your personal items if they are stolen.
- Windshield replacement: This option covers glass separately from comprehensive coverage so you don’t have to pay a deductible.
- Umbrella liability: This provides extra liability coverage for serious accidents or lawsuits.
Country Financial DriverIQ® program tracks acceleration, braking, cornering and phone usage and can award discounts for safe driving.
Reputation
Country Financial isn’t large enough to rank on all J.D. Power surveys — though it does hold fourth place in the Auto Claims Satisfaction Study. It also boasts an A- rating from the BBB. The reason for its less-than-perfect score is that there are just seven unresolved complaints at this time.
#4 USAA: Best for Military Members
J.D. Power score: 875/1,000
AM Best financial strength rating: A++
BBB rating: Not rated
USAA offers affordable minimum- ($48 per month) and full- ($117 per month) coverage rates for military members in Oregon.
Special discounts and programs for military members
Great ratings on J.D. Power studies
Not available to everyone
Read more: USAA insurance review
Coverage
Only military members, veterans and their families are eligible for USAA coverage. USAA offers a few extras besides the standard options, including roadside assistance and rental car coverage, which are common benefits with most companies.
A unique add-on it offers is car replacement assistance. This option can pay up to 20% over what your car is worth if it gets lost or stolen. USAA also offers umbrella insurance for claims that exceed your coverage limits or lawsuits.
You can try the SafePilot® usage-based program to save money based on your driving habits with USAA.
Reputation
Reputation is one of USAA’s strengths. The company frequently scores high on J.D. Power studies, even though it isn’t formally ranked because of its availability restrictions. Here are a few of USAA’s scores:
- 875/1,000 on the Auto Insurance Study for the Northwest (highest)
- 874/1,000 on the Insurance Shopping Study (second highest)
- 900/1,000 on the Auto Claims Satisfaction Study (third highest)
#5 Geico: Best for Budget-Conscious Drivers
J.D. Power score: 797/1,000
AM Best financial strength rating: A++
BBB rating: A-
Geico offers decent rates of $55 per month in Oregon for minimum coverage.
16 car insurance discounts
Offers mechanical breakdown insurance
A++ financial strength rating
Below-average J.D. Power ratings
Read more: Geico insurance review
Coverage
Geico doesn’t have as many add-ons as some other companies, but it offers something fairly unique: mechanical breakdown insurance (MBI). This option covers mechanical and electrical failures, like your air conditioning blowing warm air. Insurance normally doesn’t cover these types of things, but with MBI, Geico will. It works like an extended warranty, but you don’t have to sign a multi-year contract for a plan.
Like other companies, Geico offers roadside assistance and rental car coverage. You can also try the company’s usage-based program DriveEasy to save based on your driving habits.
Reputation
Geico’s A- rating on the BBB shows that it’s relatively proactive about resolving customer complaints. However, the company scored just below average on the three J.D. Power studies we used in our rating, including the Auto Insurance Study for the Northwest region. This means you might find slightly better service in Oregon from other companies on our list.
How To Find the Best Car Insurance in Oregon
Sifting through a dozen car insurance companies can be a daunting task, so here are a few ways to simplify the process.
Know Oregon’s Insurance Requirements
Oregon requires three types of coverage: liability, personal injury protection and uninsured motorist coverage. Here are the state minimum auto insurance coverage amounts:
- Liability: $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident and $20,000 of property damage liability coverage per accident
- PIP: $15,000 of personal injury protection per car accident
- Uninsured motorist: $25,000 of uninsured motorist bodily injury coverage per person and $50,000 of uninsured motorist bodily injury coverage per accident
Liability insurance covers the damage you may cause other drivers in an accident. PIP insurance covers your medical bills no matter who was at fault, and uninsured motorist coverage covers you if someone without insurance causes an accident or hit and run.
While this sounds like a lot, none of these coverages fix your vehicle. That’s what comprehensive and collision insurance are for.
Know What You’re Looking For
If you have an auto loan, you’ll need a full-coverage policy, or liability with comprehensive and collision coverage, to protect the vehicle. You still might want these coverages even if you own the car outright.
Besides standard coverage options, check out different insurance add-ons to see what you want. Maybe you want to have new car replacement insurance to cover the full cost of your new vehicle. Only some companies offer this. Or maybe you drive infrequently and want pay-per-mile coverage from a program like Allstate Milewise.
Knowing what you want makes it easier to cross off certain companies from your list.
Compare Insurance Companies
The last step is to compare insurance companies. Costs vary greatly depending on the provider, so it pays to compare at least three or four of them.
Average Cost of Car Insurance in Oregon
Our rate data shows average rates for minimum coverage are more expensive in Oregon than the national average, while full coverage is slightly less expensive. Good drivers in Oregon pay about $953 per year for minimum coverage, which is 52% higher than the national average of $627. On the other hand, Oregonians pay $1,925 per year for full coverage, which is lower than the national average of $2,008 by 4%.
This is most likely because Oregon has more minimum-coverage car insurance requirements than other places in the U.S. Many states simply require liability insurance, but Oregon requires PIP and uninsured motorist coverage. Oregon drivers can still find cheap car insurance by comparing multiple quotes.
Oregon Car Insurance Costs by City
The average cost of insurance varies depending on your ZIP code and town within Oregon. Generally speaking, rates are higher for more densely populated areas and areas with more vehicle theft. Below, you can see full-coverage rates for different cities in the state.
| City | Monthly Average | Annual Average |
| Corvallis | $94 | $1,124 |
| Albany | $95 | $1,142 |
| Medford | $95 | $1,144 |
| Grants Pass | $96 | $1,156 |
| Bend | $97 | $1,161 |
| Eugene | $97 | $1,162 |
| Springfield | $97 | $1,160 |
| Redmond | $100 | $1,200 |
| Keizer | $111 | $1,327 |
| McMinnville | $111 | $1,327 |
| Salem | $112 | $1,338 |
| Lake Oswego | $113 | $1,361 |
| Hillsboro | $115 | $1,382 |
| Bethany | $116 | $1,388 |
| Tigard | $116 | $1,395 |
| Beaverton | $117 | $1,409 |
| Aloha | $118 | $1,414 |
| Oregon City | $120 | $1,436 |
| Portland | $135 | $1,622 |
| Gresham | $138 | $1,659 |
Car Insurance Discounts in Oregon
Insurance companies offer different discount types and amounts, so you might find one provider is a better option than another for your particular situation. Some common discounts apply to good drivers, good students and bundling policies.
Good Driver Discount
If you have a good driving record, you should get a break on car insurance premiums. It just makes sense. Many companies give discounts for going a certain number of years without a speeding ticket, at-fault accident, DUI or other claim. For example, Geico offers a discount of 22% for going 5 years without an accident.
Good Student Discount
Being a responsible student and a responsible driver often go hand-in-hand. That’s why most companies offer discounts for students who maintain at least a B average. State Farm offers a large discount of up to 25% for good students.
Bundling and Multi-Vehicle Discounts
Most companies give you a discount for bundling. You can have different types of insurance from one company, like auto and homeowners, or insure multiple vehicles to get these discounts. Geico’s multi-policy discount varies but it offers 25% off for insuring multiple vehicles.
Best Oregon Car Insurance: The Bottom Line
State Farm is our top pick for the best car insurance in Oregon. It offers the cheapest car insurance rates for full and minimum coverage in the state, plus it has a good reputation for its customer service. That said, you might find another company that works better for your situation, so compare multiple car insurance quotes when you shop.
Best Auto Insurance in Oregon: FAQ
Here are some frequently asked questions about the best car insurance in Oregon.
Our data shows State Farm has the cheapest minimum-coverage rate of $46 per month and the cheapest full-coverage rate of $101 per month in Oregon.
Good drivers in Oregon pay about $79 per month for minimum coverage, which includes liability, personal injury protection and uninsured motorist coverage. Full-coverage car insurance costs about $160 in the state.
Minimum-coverage insurance in Oregon is more expensive than the national average because the state requires more types of coverage. You might also find higher rates if you live in a densely populated area of the state.
State Farm, USAA, Country Financial, Geico and Travelers offer affordable coverage for different drivers in Oregon. Compare multiple quotes to find the best option for you.
Our Methodology
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
- Industry standing (20% of total score): Our research team considered market share, ratings from industry experts and years in business when giving this score.
- Availability (10% of total score): Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
- Coverage (30% of total score): Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Cost and discounts (25% of total score): Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
- Customer experience (15% of total score): This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
Our credentials:
- 800 hours researched
- 45 companies reviewed
- 8,500+ consumers surveyed