Cheap Car Insurance in Oregon

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Finding cheap car insurance in Oregon

Looking for cheap car insurance in Oregon? We've compiled average premiums by company and city so you can see how rates compare. 

Because prices can vary considerably by company, it's important to compare quotes if you're looking for cheap car insurance in Oregon. We looked at premiums reported by EverQuote users in Oregon for large insurance companies. The prices below reflect one driver with a good driving record insuring one vehicle. 

Company
(Click to see reviews)
Average monthly premium
USAA $107.50
State Farm $111
Geico $117
Farmers $117
American Family $122
Nationwide $124
Progressive $126
Allstate $128
Source: EverQuote. See full methodology below.


The best way to find a good deal is to get quotes from multiple companies. Also keep in mind that the cheapest car insurance company in Oregon for you when you have a good driving record might not be the cheapest if you have accidents, claims and tickets. 

Oregon car insurance rates after a speeding ticket

Accidents, claims and tickets for moving violations can all lead to a rate increase at renewal time. We looked at premiums reported by EverQuote users in Oregon who had a speeding ticket on their records vs. drivers with clean records. The average increase was 43%. 

But just because you have a less-than-perfect driving record doesn't mean you can't potentially get a better price by shopping around.

Speeding and phone use while driving can lead to accidents, claims and tickets. Here’s a look at how much Oregon drivers are speeding and using their phones while driving.


Oregon car insurance rates by city

We also analyzed Oregon car insurance rates reported by EverQuote users around the state. Drivers in Eugene reported paying the lowest premiums among the cities we looked at.

City Average monthly premium
Eugene $106
Beaverton $124
Portland $127
Salem $132
Source: EverQuote. See full methodology below.

How to get cheap car insurance in Oregon

You'll typically get the best rates by comparing prices among multiple insurance companies and keeping a clean driving record.

Also:

  • Ask your insurance agent to review the possible auto insurance discounts. There's usually a good discount for buying auto and homeowners insurance from the same company.
  • Increase the deductible on comprehensive and collision coverage, if you buy them. The deductible is the amount subtracted from an insurance claim check.
  • Improve your credit. Insurers often use a credit-based insurance score as part of setting rates. People with poor credit often end up paying higher car insurance rates.

Methodology for premium comparisons

We averaged premiums reported by EverQuote users, based on policies with bodily injury liability coverage of $100,000 in bodily injury per person and $300,000 in bodily injury per accident (known as 100/300). Rates are based on insuring single vehicles with one driver who has a good driving record and no violations. We used premiums for sedans, coupes and hatchbacks. Premiums are based on expenditures reported between Jan. 1, 2016, and April 1, 2018. Your own rates will be different.

Updated June 1, 2018

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