Car insurance is a legal requirement in Oregon for the nearly 3.1 million licenced drivers who own a registered vehicle. Car insurance in Oregon costs an average of $1,346 for a full coverage policy and $610 for a minimum coverage policy. Oregon drivers, on the other hand, may be able to find more affordable car insurance by selecting a provider that offers low-cost policies.
Oregon's cheapest car insurance for 2021
Finding cheap car insurance in Oregon is relatively simple due to the state's low insurance rates, but drivers should be aware that not all car insurance companies are created equal. In addition to price, we looked at ratings, coverage options, and available discounts for insurance providers in Oregon. The following are the top car insurance companies in Oregon, along with their average annual minimum coverage and full coverage premiums:
Travelers
Travelers insurance has the lowest average car insurance premiums in Oregon for both minimum and full coverage. Travelers offers unique coverage options, such as new car replacement, in addition to low rates
Oregon drivers who have Travelers insurance may be able to save money on their policy by taking advantage of the company's list of discounts. Travelers offers discounts to owners of electric and hybrid vehicles, homeowners, safe drivers, smart students, students away from school, paying in full, paying on time, and maintaining continuous insurance coverage.
USAA
USAA car insurance is available to Oregon drivers who are active duty military members or veterans. USAA is widely regarded as one of the best car insurance providers on the market. Despite the fact that USAA is not eligible for official ranking due to eligibility requirements, the company consistently receives high overall customer satisfaction ratings
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Despite USAA's already low prices, policyholders can also take advantage of a variety of discounts, such as savings for insuring a new vehicle, being a legacy customer, storing a vehicle on a military base, being a good student, and taking a defensive driving course.
State Farm
State Farm car insurance policies are less expensive than the statewide average rate in Oregon. A full coverage policy costs $1,093 on average, while a minimum coverage policy costs $527. Drivers can also benefit from discounts to get a lower rate. The company is also ranked first. According to the Auto Insurance Study, customers are generally satisfied with the company's claims service.
State Farm policyholders in Oregon can save money on insurance by enrolling in one of the safe driver discount programmes, Drive Safe & Save for adults or Steer Clear for teen drivers. There are also discounts for good grades, taking a defensive driving course, driving a vehicle equipped with an anti-theft device, insuring multiple vehicles, and bundling multiple insurance policies.
Country Financial
Country Financial is only available in 19 states, including Oregon. Although its premiums are the highest on our list — and its average full coverage premium is slightly higher than Oregon's — Country Financial may be worth a quote.
Country Financial has a smaller footprint than the other companies on our list, but this could mean that its agents are more in tune with the unique needs of Oregon drivers. Country Financial provides basic auto insurance policies with optional coverages to help you tailor your coverage to your specific needs. For example, if your car is less than four model years old and is totaled, Country Financial's "The Keeper" coverage will reimburse you for the cost of purchasing a brand-new version of the same vehicle.
Progressive
Progressive provides a variety of customised vehicle coverage options, including insurance for ATVs, boats, golf carts, and motorcycles. There is even classic car insurance available for your vintage vehicle. You can save money by combining your home and auto insurance policies.
Progressive also has its own programmes, such as the Name Your Price Tool and the Snapshot programme, which rewards safe drivers. Auto insurance coverage is comprehensive, with options for rental car reimbursement, custom parts and equipment coverage, and loan/lease payoff insurance, also known as gap insurance.
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