Cheap Car Insurance in Oregon
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If you’re a driver living in Oregon, you probably cover a lot of territory. Whether it’s your day-to-day commute or a weekend trip to the coast, you depend on your car to get you where you need to be. Making sure you and your vehicle are protected isn't optional, but you want the best value for your money when buying auto insurance.
With so many options, finding reliable information on cheap car insurance in Oregon can be tricky. We’ve compiled the following guide to help. We’ll mention which auto insurers offer lower prices, take a closer look at the insurance premiums other Oregon drivers are paying, and talk about ways you can save without sacrificing essential insurance coverage.
Top Affordable Car Insurance Providers in Oregon
While your specific circumstances will determine your personalized insurance rates, it still pays to know which auto insurers typically offer more competitive rates. Here’s a look at some of the largest car insurance companies in Oregon known for competitive pricing.
| Provider | Estimated Monthly Premium | Features and Advantages |
|---|---|---|
| State Farm | $100 - $140 | A solid choice for new drivers and those with good driving records, with available discounts for bundling home and auto insurance |
| Travelers | $90 - $125 | Competitively priced option for drivers with points on their record, discounts available for driver tracking |
| Country Financial | $110 - $150 | Offers competitive student discounts and discounts for multiple policies in one household |
It’s important to note that these are ballpark estimates of average monthly premiums across the best car insurance companies Oregon, based on available data and general trends in pricing. Your actual insurance premiums will be affected by things like your ZIP code, driving record, the types of coverage you choose, and any car insurance discounts you may qualify for. The best way to find high-value but affordable car insurance in Oregon is to do your homework and compare personalized quotes from different providers.
Breakdown of Average Car Insurance Rates in Oregon by City
Oregon’s a big state, and where you live will typically be a significant factor in determining your insurance premiums. Here’s a look at estimated average Oregon insurance rates across some major cities in the state and the reason they vary.
| City | Est. Monthly Premium | Key Factors |
|---|---|---|
| Portland | $130 - $170 | Higher traffic with urban density typically means higher accident rates |
| Eugene | $115 - $155 | A university population with moderate traffic |
| Salem | $110 - $150 | Balanced traffic within the state capital |
| Bend | $105 - $145 | A lower population density with less traffic |
Regional rate differences can come down to things like traffic density, local laws and speed limits, crime rates, and even how much it costs to have a vehicle repaired in that area. For example, drivers in Portland will have higher premiums simply because there are more cars on the road, which naturally leads to a higher chance of collisions.
How Driver Profiles Impact Insurance Costs
Who you are and how you drive are typically the biggest factors when it comes to your auto insurance costs. Insurance providers estimate how likely you are to file a claim and how much that claim might cost based on your driving history and personal demographic information.
- Your Age: Younger drivers will typically pay more for insurance because they have limited driving experience and a higher risk of filing claims.
- Your Driving Record: Any accidents, speeding tickets, or other traffic violations can make your insurance more expensive. Because these stay on your record for a while, those rates will likely remain higher for years.
- Your Credit Score: While it might not seem fair, your credit score can affect your premiums. Insurers have found that people with higher credit scores have a lower likelihood of filing claims, making them cheaper to insure.
- Your Vehicle: The type of car you drive plays a significant role in determining your monthly premium. Expensive cars, sports cars, or cars with higher rates of theft will cost more to insure. Safer cars, older cars, or cars with safety features such as driver-assisted braking and anti-theft systems will be cheaper to insure.
- How Much You Drive: Being on the road less often means you’re less exposed to risk. While not all providers offer lower premiums for fewer miles driven, you may qualify for usage-based car insurance discounts.
Money-Saving Tips for Oregon Drivers
One of the best ways to make sure you’re getting the best deal on Oregon car insurance is to compare prices and shop around. Insurance rates are always changing, so don’t just renew your insurance policy automatically. Compare quotes from multiple insurers every six months or so, or whenever you have a significant life event (like adding a teen driver to your policy or before buying a new car), to get cheap auto insurance in Oregon.
In car insurance, a higher deductible means lower premiums. Opting for a higher deductible on your collision or comprehensive coverage can result in significantly lower insurance premiums. Just be sure you’ll be able to comfortably afford the deductible in the event that you need to file a claim.
Likewise, while you’ll want full coverage for newer vehicles, an older car that’s paid off or has lower market value may not need comprehensive coverage. Whatever you decide, ask your provider for coverage that meets Oregon car insurance coverage requirements mandated by the Oregon Department of Insurance for bodily injury, property damage, and personal injury protection.
Car insurers typically offer an array of car insurance discounts. Ask your provider about benefits like a multi-policy discount, which can apply when bundling your auto insurance with homeowners or renters insurance. Many insurers also have safe driver discounts, and some providers, like Progressive Insurance, offer good student discounts to teen drivers who maintain a good GPA.
Liberty Mutual and other insurance providers give discounts for active duty military, veterans, and their families, as well as low-mileage discounts for drivers who don’t use their cars often. If your vehicle has safety features like anti-theft devices, driver-assisted braking, or a dash cam, you may also qualify for discounts and low-cost car insurance in Oregon.
Compare Custom Car Insurance Quotes Today
Your available insurance options can vary considerably, and the best way to get the right insurance coverage at the best price is to compare your options. Getting a custom comparison is always free with EverQuote.
Insurance prices are changing every day, so be sure you have the best value. Start comparing car insurance quotes now to find low-cost auto insurance in Oregon that fits your needs and budget.
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.