Cheapest Car Insurance in Oregon (2026)

Summary

• State Farm is Oregon's cheapest carrier for minimum coverage in the quote data, at $56/month, and Mile Auto is cheapest for full coverage at $86, according to Insurify rate data current as of November 1, 2026. State Farm's full coverage is a dollar behind at $87; USAA ($65/$102, military families only) and Sun Coast ($67 for liability) follow. Two other published analyses also put State Farm first for full coverage; the side-by-side is below.
• Oregon averages $91/month for minimum coverage and $157 for full coverage, under the national averages of about $99 and $187, and $124 a month across all coverage levels. Only Idaho is cheaper among its neighbors; full coverage costs about 17% more in Washington, 30% more in California and 66% more in Nevada.
• Rates climbed 30% in eight months and then stopped. Oregon's full-coverage average rose from $1,482 a year in December 2023 to a peak of $1,928 in August 2024, drifted back to $1,830 by that December, and has barely moved since: $1,879 in December 2025, $1,882 in October 2026. Only Farmers and Allstate have filed increases in Oregon this year; five carriers have filed cuts.
• "Minimum coverage" in Oregon is four coverages, not one: 25/50/20 liability, $15,000 of personal injury protection and 25/50 uninsured and underinsured motorist coverage, all mandatory. The quoted minimum rates above include all of it, which is why Oregon's cheapest rates aren't the lowest in the country even though its averages run well below the national figure.
• 2026 law change: a conviction for driving uninsured now means a one-year SR-22 instead of three, and an uninsured driver in a crash no longer loses their license automatically for a year, though the three-year SR-22 after an uninsured crash remains.
• Portland averages $170 a month across coverage levels, about 70% more than Grants Pass ($99) and two-thirds more than The Dalles ($102); Gresham ($171) is the only city that prices higher. About 14.7% of Oregon drivers were uninsured in 2023, just under the national 15.4%. See where your own quote lands before your next renewal.

Cheapest Car Insurance Companies in Oregon

State Farm leads for minimum coverage in the quote data and sits a dollar behind Mile Auto for full coverage, where Mile Auto ($86) and State Farm ($87) are the only companies under $100. The middle of the table is crowded: GEICO, Progressive, National General and Country Financial are within $10 of each other for liability, while the gap between Mile Auto and Travelers at the bottom is almost threefold.

Source: Oregon rate data current as of November 1, 2026 (page updated November 1). Minimum coverage in Oregon includes the required liability, personal injury protection and uninsured/underinsured motorist coverage; full-coverage figures reflect 50/100/50 liability limits with $1,000 collision and comprehensive deductibles. *USAA is available only to military members, veterans and their families. Actual quotes vary by driver profile.

What the other data says

The quote data above reflects real quotes drivers received. Two other analyses price a sample driver against insurers' filed rates, and they agree on the leader while disagreeing on the price of the floor:

The leader is the same in every lane that includes it: State Farm is cheapest or second-cheapest in all three data sets for both coverage levels, and ValuePenguin finds it cheapest for full coverage in 95% of Oregon cities and towns. The disagreements are informative. California Casualty and CIG, NerdWallet's cheapest for minimum coverage and for drivers with poor credit, don't appear in the quote table at all; Mile Auto, cheapest for full coverage in the quote data, isn't in either filed-rate analysis. Travelers, last in the quote data at $158 for liability, is fifth-cheapest for minimum coverage in NerdWallet's. The practical answer: quote State Farm, Progressive and GEICO, add Mile Auto if your mileage is low, and ask an agent about California Casualty and CIG, which only the filed-rate analyses price. Our cheapest-companies page has the national standings.

How Much Is Car Insurance in Oregon?

Oregon's full-coverage average is about 16% below the national figure, the narrowest gap in the series: the state sat 20% below in May 2022 and 27% below at the end of 2023. The story of the last three years is a sharp climb that ended early. Oregon's full-coverage average sat at $1,286 a year in May 2022 and $1,482 in December 2023. It then rose 30% in eight months, to $1,928 in August 2024, as the national average was climbing to its own peak of $2,390. Oregon's came back down faster: $1,830 by December 2024, $1,879 by December 2025, and $1,882 in October 2026, with the whole of 2026 inside a $36 band ($1,865 to $1,901). Year over year the state is up 1.3%; since May 2022 it is up 46%, a little more than the national 40%, from a lower base. The source pages describe the same arc with different levels (a December 2025 figure of $1,701 and a projected 0.2% to 0.4% decline by December 2026); we report the monthly series. Our October rate report tracks the states each month, and Oregon joins it with the November edition.

The rate filings explain the flat line. According to ValuePenguin's analysis of Oregon Division of Financial Regulation filings (data to October 6, 2026), only two major carriers have raised rates in Oregon in 2026, Farmers (+3.7%) and Allstate (+2.1%), while Country Financial (−7.0%), Progressive (−5.9%), Travelers (−3.1%), Liberty Mutual (−1.8%) and American Family (−0.1%) have filed cuts and State Farm, GEICO, USAA and AAA have filed no change. Over five years the filed increases range from Travelers' 18% to Country Financial's 86%, with State Farm (+29%), USAA (+28%) and Progressive (+30%) at the low end, which is one reason they lead the tables above.

What keeps Oregon's costs up at all is mostly comprehensive risk. The state had the 13th-highest vehicle theft rate in the country in the first half of 2025, even after thefts fell 26%; the 2024 wildfire season burned a record 1.9 million acres against a ten-year average of 640,000; and the state recorded 48,414 crashes in 2024, 489 of them fatal. Insurance is still the smaller of Oregon's two car bills: our cost of driving by state puts full coverage at $156 a month against about $213 for gas, priced on the West Coast regional average.

Rates by city

Source: Oregon city rate data, current as of November 1, 2026.

The split is Portland metro against everyone else. Portland and Gresham have about 4,900 people per square mile against a statewide 44, and Portland's vehicle theft rate of 8.7 per 1,000 is three times the state's 2.9; Multnomah County ranked 38th in the nation for thefts by volume in 2025. Salem, Beaverton and McMinnville sit in between, and the Willamette Valley college towns and southern Oregon price lowest, with Grants Pass the cheapest city for full coverage at $124 and Corvallis ($127) next, where residents average 16-minute commutes. In Portland, State Farm is cheapest for liability at $77 a month and Mile Auto for full coverage at $119, with State Farm at $123; Portland teens pay $244 a month for liability on average, State Farm's $149 the lowest. ValuePenguin's filed-rate analysis draws the same map at higher levels: Portland full coverage averages $281 a month and Gresham $305, Baker City is the cheapest town in the state at $203, and Maywood Park, a Portland suburb, is the most expensive at $310. If you're in the metro, compare quotes for your ZIP code rather than the state average.

Oregon Car Insurance Requirements

Every line is mandatory (ORS 806.070, 742.520 and 742.502). Most states require only the first two; Oregon's quoted minimum rates include all five. Our new liability-only explainer covers what the liability lines pay for and what they never do.

PIP pays your own bills first. Oregon is an at-fault state, so the driver who caused the crash is liable for the damage, but your own personal injury protection pays up to $15,000 of medical expenses incurred within two years of the crash regardless of fault, plus 70% of lost income up to $3,000 a month for up to 52 weeks once you've been disabled 14 days, $30 a day for essential services you can no longer do, and $5,000 toward funeral costs.

Underinsured coverage stacks. Since January 1, 2016 (Senate Bill 411), Oregon underinsured motorist coverage pays on top of the at-fault driver's liability limits rather than being reduced by them: hit by a 25/50 driver while carrying 25/50 UIM, you can collect up to $50,000 for injuries instead of $25,000. The same law extended PIP's medical window from one year to two. Because the coverage pays in addition, raising your UM/UIM limits buys more than it does in most states. Our uninsured motorist explainer covers how the coverages pay; about 14.7% of Oregon drivers were uninsured in 2023, per the Insurance Research Council, against 15.4% nationally, 19.1% in Washington and 20.4% in California.

The property damage minimum is the weak spot. At $20,000 it's higher than Washington's $10,000 and in line with Nevada's, but it won't replace one new car. Higher property damage limits are cheap relative to the exposure; our state minimum coverage guide covers the gap.

Driving uninsured is a Class B traffic violation with a presumptive fine of $265 and a court range of $135 to $1,000. The consequences changed on January 1, 2026, under Senate Bill 840: a conviction for driving uninsured now carries a one-year SR-22 filing instead of three, and the DMV no longer imposes an automatic one-year suspension on an uninsured driver involved in a crash. That driver still owes a three-year SR-22, and the DMV suspends anyone who doesn't file it; and if an insurer tells the DMV you weren't covered at the time of a crash, only a signed statement on the insurer's letterhead will reverse that finding. Our SR-22 explainer covers the form, our SR-22 companies and costs post covers who files it and what it costs, and our coverage-lapse guide covers what a gap does to your next quote.

Credit counts, with a brake on it. Oregon insurers may use credit history in pricing, but under ORS 746.661 they can't cancel or non-renew a policy that has been in force more than 60 days because of it, and once a year you can ask for a credit re-rate that can lower your premium but never raise it. Our credit-score guide has the playbook.

High-Risk Drivers in Oregon

Oregon's penalties look gentler in the quote data than on filed rates. Across coverage levels, a clean record averages $123 a month; a speeding ticket takes it to $168 (37% more), an at-fault accident to $167 (36%) and a DUII to $156 (27%). Fewer than one driver in 20 has a ticket on record, fewer than one in 20 an accident, and fewer than one in 100 a DUII (0.78% statewide). State Farm stays cheapest after a ticket and after an accident in every data set: $119 and $134 a month for full coverage in NerdWallet's October 2026 analysis, $132 and $123 in ValuePenguin's, where a ticket adds 29% to the average policy and an accident about $106 a month. After a DUII the filed-rate penalties are far steeper than the quote data suggests: ValuePenguin puts the average increase at 89%, with Progressive cheapest at $160 a month for full coverage, and NerdWallet puts a full-coverage policy at $3,836 a year after a DUII against $2,214 clean, with State Farm cheapest at $148 a month.

A DUII also changes what you have to carry. Under ORS 806.075 a convicted driver must file proof of 50/100 bodily injury liability, double the normal minimum, and keep the filing for three years; SR-22 policies in Oregon average $110 a month for liability-only coverage and $189 for full. Our high-risk costs by state post sets Oregon's surcharges beside the other states, our DUI and bad-record guide covers how long a conviction follows you, and our post-accident rate guide covers what moves after a claim. Drivers who can't find a carrier can apply through the Automobile Insurance Plan of Oregon, which places them with an insurer.

Credit moves Oregon rates about as much as a ticket does: drivers with poor credit pay $114 a month for liability on average against $80 for excellent credit, and ValuePenguin's filed-rate analysis finds poor-credit drivers paying nearly twice as much for full coverage, with Progressive cheapest at $218 and CIG cheapest at $220 in NerdWallet's. The annual re-rate request above is the lever most Oregon drivers never pull.

Teens pay nearly double: $168 a month for liability and $290 for full coverage statewide against $90 and $156 for drivers in their 40s. State Farm is cheapest for Oregon teens in the quote data at $108 a month for liability; ValuePenguin names Country Financial cheapest for an 18-year-old at $164 for minimum coverage and $357 for full, and NerdWallet names State Farm cheapest for a 20-year-old at $240 for full coverage. Seniors pay the least, $79 for liability and $137 for full coverage on average; Oregon drivers 55 and older can qualify for a discount after completing a DMV-approved accident prevention course.

Best Cheap Car Insurance Companies in Oregon

• State Farm — best for most drivers. Cheapest for minimum coverage in the quote data and first or second in every lane of all three analyses, with A.M. Best's top A++ rating, J.D. Power satisfaction of 656 and a complaint index of 0.84 (below average is good). IQ Score 9.3/10 (the site's own 15-criterion rating). Trade-offs: no gap coverage, no accident forgiveness, and a Drive Safe & Save discount of up to 30% that requires the app. Our telematics comparison covers how the program differs from Snapshot.
• Mile Auto — best for low-mileage drivers. Cheapest full coverage in the state in the quote data ($86) and in Portland ($119), priced per mile driven, which is why it doesn't appear in the filed-rate analyses. If your annual mileage is low it belongs on the list; our pay-per-mile comparison covers how the programs differ.
• Progressive — best after a DUII. Cheapest after a DUII in ValuePenguin's data ($160 for full coverage) and in the quote data's middle tier for everyone else ($73/$134), with a 5.9% rate cut filed in Oregon this year and the Snapshot program, which can raise your rate as well as lower it.
• GEICO — best for discounts. Fifth for minimum coverage ($73) and fourth for full ($113) in the quote data, with the lowest complaint index of the three carriers the quote-data page profiles (0.59), a wide discount menu and no rate increase filed in Oregon in 2026. IQ Score 9.2/10. Trade-offs: below-average J.D. Power claims satisfaction (637) and few local agents.
• USAA — best for military families. Second-cheapest for minimum coverage ($65) and third for full ($102) in the quote data, cheapest of all in ValuePenguin's ($53/$115), with the state's highest customer-service marks (J.D. Power 743). IQ Score 9.1/10. Trade-offs: membership is limited to military members, veterans and eligible family, and there are no USAA offices in Oregon. Our USAA eligibility post covers who qualifies.
• The regional and niche calls. Country Financial is cheapest for teens in ValuePenguin's data and eighth for liability in the quote data; California Casualty is NerdWallet's cheapest for minimum coverage ($38) and CIG its cheapest for poor credit, and neither appears in the quote table. All three are worth a call to an agent.

How to Save on Car Insurance in Oregon

1. Quote State Farm, Progressive and GEICO first, then Mile Auto if your mileage is low. State Farm leads or nearly leads every data set; the fourth quote is where the surprises are.
2. Ask for the annual credit re-rate. Oregon law lets you request one a year, and it can only lower your premium.
3. Price full coverage before you decide against it. Oregon has the 13th-highest theft rate in the country and a record wildfire year behind it; the step from $56 to $87 a month at State Farm is smaller than one claim.
4. Raise the property damage limit above $20,000. The increase is a few dollars a month, and one modern car costs more than the minimum pays.
5. Match your UM/UIM to your liability limits. You have to carry both anyway, and because Oregon's underinsured coverage stacks, every dollar of limit you add is a dollar you can actually collect.
6. Take the 55-plus course and re-shop at renewal. Filed rates are flat to falling for most Oregon carriers in 2026; a renewal that still shows an increase is a reason to switch. Our discounts guide covers the standard list.
7. Compare before renewal, not after. Price your own profile against the tables above.

Rate data from Insurify's Oregon car insurance analysis (pages updated November 1, 2026; carrier and city tables current as of November 1, 2026), based on real-time quotes from 500+ partner insurers and Quadrant Information Services estimates for drivers ages 20–70 with clean records and average or better credit unless noted; the driving-record, share-of-drivers, credit, age, SR-22, theft, wildfire, crash, density, commute and neighboring-state figures, the 55-plus course discount and the carrier ratings from the same pages. The monthly series is the Insurify Data Center series as published on the Oregon average-cost page (May 2022 to October 2026); where the pages' text disagrees with the series, this page reports the series (the text puts December 2025 at $1,701, June 2026 at $1,876 and projects a 0.2% to 0.4% decline by December 2026; the series shows $1,879, $1,872 and $1,882 for October 2026). Comparison figures from NerdWallet's Oregon analysis (October 2026; 16 insurers, Quadrant Information Services) and ValuePenguin's (updated October 13, 2026; nine insurers, 367,488 quotes across 434 ZIP codes), as published; rate-filing changes from ValuePenguin's analysis of Oregon Division of Financial Regulation filings via S&P Global RateWatch, data as of October 6, 2026. Minimum coverage per ORS 806.070, 742.502 and 742.520 and the Oregon DMV's Insurance Requirements page; PIP benefits per ORS 742.524; UIM stacking per Senate Bill 411 (2015) as summarized by the Legislature's measure analysis; DUII limits per ORS 806.075; fines per ORS 153.018, 153.019 and 153.021; the 2026 SR-22 and suspension changes per the Division of Financial Regulation's December 9, 2025 memorandum on Senate Bill 840; credit rules per ORS 746.661. Uninsured shares from the Insurance Research Council's 2023 data via the Insurance Information Institute. Gas figure from our cost of driving by state page. Actual quotes vary by driver profile.