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Car Insurance in Oregon: 2026 Rates & Guide

Oregon is a mid-range state for car insurance. The average driver pays $98/month ($1176/year). Here's how to find the best rate for your situation.

$98

Avg Monthly

$1176

Avg Annual

#38

Cost Rank (1=priciest)

$74

Cheapest Option/mo

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Cheapest Car Insurance Companies in Oregon (2026)

Rates below are estimates for a 35-year-old driver with a clean record, good credit, and a 2020 Honda Civic.

Top insurers in Oregon — sorted by average monthly rate

#CompanyEst. MonthlyRating
1
★ BestGEICO
$74/mo4.3Get Quote
2
State Farm
$78/mo4.5Get Quote
3
PEMCO
$72/mo4.7
4
Progressive
$86/mo4.1Get Quote
5
Farmers
$92/mo4Get Quote

Rates are estimates for a 35-year-old with good credit and a clean record. Your rate will vary.

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Oregon Car Insurance Requirements

Minimum Coverage: 25/50/20

Oregon is an at-fault state. The driver who causes an accident is financially responsible.

Oregon Insurance Facts

Oregon requires Personal Injury Protection (PIP) despite being a tort (at-fault) state.
PEMCO Insurance, a Pacific Northwest regional insurer, offers competitive rates and high customer satisfaction in Oregon.
Portland metro drivers pay significantly more than rural Oregon — one of the larger urban-rural gaps in the Pacific Northwest.

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How to Get Cheaper Car Insurance in Oregon

1

Compare at least 3–5 quotes

Rates vary by 40–60% between companies for the same driver profile.

2

Raise your deductible

Going from $500 to $1,000 deductible typically saves 10–15% on comprehensive/collision.

3

Bundle home + auto

Multi-policy discounts average 15–25% across major insurers.

4

Try usage-based insurance

Telematics programs like Progressive Snapshot can save up to 30% for safe drivers.

5

Ask about all discounts

Good student, military, professional association, and low-mileage discounts are often unclaimed.

6

Improve your credit score

In most states, a good credit score can lower premiums by 20–50%.

Car Insurance in Oregon — FAQs

What is the average cost of car insurance in Oregon?
The average car insurance cost in Oregon is $98 per month ($1176 per year) for a driver with a clean record and good credit. Your actual rate will vary based on your age, vehicle, and driving history.
What is the minimum car insurance required in Oregon?
Oregon requires minimum liability coverage of 25/50/20 (bodily injury per person / bodily injury per accident / property damage). This is a tort (at-fault) state.
Which company has the cheapest car insurance in Oregon?
Based on our research, GEICO offers the lowest average rate in Oregon at around $74/month. However, the cheapest insurer for you will depend on your specific profile — we always recommend getting at least 3 quotes.
Is Oregon a no-fault car insurance state?
No, Oregon is an at-fault (tort) state. The driver who caused the accident is responsible for covering the other party's damages through their liability insurance.
How can I lower my car insurance in Oregon?
The most effective ways to lower your car insurance in Oregon include: (1) comparing quotes from at least 3 insurers, (2) raising your deductible, (3) bundling with home or renters insurance, (4) asking about usage-based/telematics discounts, and (5) improving your credit score where allowed.

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