Cheapest Car Insurance Oregon Reddit - To help drivers find the best cheap auto insurance in Oregon, our editorial team has collected quotes from the best companies in every zip code in the state. Minimum coverage offers meet Oregon state minimum requirements of $25,000 in bodily injury liability coverage per person and $50,000 per accident, $25,000 in uninsured motor vehicle bodily injury coverage and $50,000 per accident, along with $20,000 in property damage coverage and $150 in personal injury coverage. (PIP). Full coverage rates include comprehensive and collision coverage, in addition to higher liability limits than state minimums.
We also ranked the best auto insurance companies in Oregon based on insurance costs for different drivers, customer service ratings, availability of coverage and convenience.
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The most expensive car insurance in Oregon costs nearly three times as much as the cheapest company. To avoid paying more than you need to, compare quotes from different companies before taking out a policy.
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State Farm has the cheapest minimum insurance rates in Oregon. At $503 a year, its rates are 49% below the state average.
The average cost of car insurance in Oregon is $996 per year, or $83 per month for minimum liability insurance.
A minimum coverage policy meets Oregon auto insurance requirements and is the cheapest way to insure your car. However, unlike a full coverage insurance policy, minimum liability does not include comprehensive and collision coverage.
Purchasing a minimum liability policy is your cheapest option, but it may not be the best choice depending on your needs. If you are involved in an accident, a minimum coverage policy will cover damage to the other driver's car and their injuries, but not damage to your car.
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State Farm offers the lowest prices for full coverage insurance even in Oregon - $891 per year, or $74 per month. That's 52% cheaper than the state average.
Full coverage car insurance in Oregon costs $1,848 a year, or $154 a month, an average of $71 a month more than a minimum coverage policy.
In addition to liability coverage, comprehensive coverage includes comprehensive and collision coverage. Collision coverage pays for damage to your own vehicle while you are in control of the vehicle, while comprehensive coverage pays for incidents beyond your control, such as hail or theft. Both types of coverage are usually required with a car loan or lease.
Oregon drivers with a history of speeding, accidents and DUIs have higher car insurance rates on average. Typically, drivers who are involved in an accident or caught committing a traffic violation are more likely to repeat these actions, which makes their insurance riskier. State Farm has the best deals for drivers with an imperfect driving record.
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State Farm has the cheapest rates in Oregon for drivers with speeding tickets. The company's average annual premium for a full coverage policy is $979 - an $88 increase over a driver with a clean record and 58% below the state average.
State Farm also has the most affordable comprehensive coverage rates for drivers with an accident history. Prices for Oregon drivers who cause an accident average $2,929 per year, but State Farm's rates are 61% lower at $1,155.
Average quotes for full coverage policies increase by about $1,081 per year after an at-fault incident. However, all insurers treat accidents differently. The most expensive insurance company, Geico, is raising rates by more than $2,000. State Farm, on the other hand, is only valued at $264.
State Farm offers the cheapest quotes for Oregon drivers with a DUI at $2,016 per year. Other low-cost companies include Country Financial and Progressive, which also have an average below the state average of $3,003 per year after a DUI.
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A DUI is a serious crime that can carry not only legal penalties, but also financial consequences. Drivers charged with a DUI spend an average of 56% more for a full coverage auto insurance policy than drivers with a clean record.
State Farm offers the best rates for Oregon drivers with low credit scores or no credit history. The state average is $2,786 a year, but the State Farm rate is $903 cheaper, at $1,883 a year for full coverage.
Your credit score has nothing to do with your ability to drive, but drivers with bad credit are statistically more likely to make claims. Car insurance for Oregon drivers with bad credit is 51% more expensive than drivers with average credit.
If you're a young driver shopping around for affordable minimum auto insurance, we recommend starting your search with Country Financial. The company's average rate of $1,271 per year is 59% cheaper than the average rate for young drivers in Oregon.
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Inexperienced drivers often pay higher insurance premiums than drivers in their 30s and 40s because younger drivers are statistically more likely to be involved in accidents. In Oregon, an 18-year-old driver can expect to pay three times as much as a 30-year-old for a minimum coverage policy.
State Farm has the best rates for Oregon young drivers with speeding tickets. Minimum coverage auto insurance from State Farm is $1,662 - 54% cheaper than the state average.
An 18-year-old driver with a speeding ticket can expect to pay 18% more for car insurance than a driver of the same age with a clean record in Oregon. However, State Farm is only increasing the rate by 10%, or $165 per year.
Country Financial has the best minimum coverage rates for young drivers involved in an accident. The average annual premium is $1,948, which is 52% below the Oregon average. The average annual rate increases by 33% after an 18-year-old driver is involved in an at-fault accident, from $3,068 to $4,085.
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In Oregon, married drivers pay slightly less — about 5%, on average — for car insurance than unmarried drivers. State Farm didn't offer a married driver discount in Oregon, but still has the best rate for full coverage auto insurance at $891 a year. Progressive drivers received the biggest discount, at nearly 15% -- $284 less per year than Progressive's total coverage average.
USAA is our pick for the best insurer in Oregon based on our editors' high ratings, excellent financial stability scores and top JD Power customer satisfaction scores. However, USAA is only available to current and former military members, as well as some military family members.
We recommend State Farm for drivers who do not qualify for USAA. The company also scored strong across the board, offering some of the best deals in the state.
Auto insurance rates in Oregon can range from about $1,000 a year for a full coverage policy, depending on where you live.
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The cheapest car insurance quotes in the state can be found in Coos Bay, where rates are 15% lower than the state average. Drivers in Maywood Park pay the highest rates in the state at 38% above the average.
As in almost every state, Oregonians must purchase the minimum required amount of auto insurance to legally drive.
Oregon is unique in that it is a liability-free state, but it does require drivers to carry personal injury insurance as part of its minimum coverage requirements.
Even if your auto insurance policy meets Oregon's minimum requirements, it may not be the best protection for your needs.
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We recommend that most Oregon drivers consider choosing higher liability coverage limits. If you are involved in a particularly expensive accident, the minimum coverage may not be enough to fully cover the damages and you may have to pay out of pocket.
State Farm has the best auto insurance rates in Oregon, starting at $42 per month for the state minimum policy and $74 per month for full coverage insurance.
The average cost of auto insurance in Oregon is $83 per month for the state minimum coverage and $154 per month for full coverage.
Oregon drivers need at least $25,000 per person and $50,000 per accident in liability coverage, $20,000 in property damage liability and $15,000 in personal injury insurance. They must also have $25,000 per person and $50,000 per accident in uninsured motorist coverage.
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Car insurance rates in Portland are 24% higher than the state average at $2,295 per year for a full coverage policy.
We've collected thousands of rates from zip codes across Oregon for the state's largest insurance company. Prices are for a 30-year-old male with average credit driving a 2015 Honda Civic EX.
For our minimum coverage policies, we have used the minimum required limits in Oregon. Young driver citations were calculated using minimum liability limits.
Other rate analyzes were quoted based on a full coverage policy and adjusted to reflect the driver's age, credit score, accident history or marital status. Offers for young drivers based on minimum insurance.
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The analysis uses insurance rate data from Quadrant Information Services. These rates have been publicly obtained from insurer submissions and should be used for comparative purposes only - your own quotes may differ.
To get an insurance quote, call: (855) 596-3655 | Agents are available 24 hours a day, 7 days a week! is America's top rated insurance comparison platform. We cooperate with the country's top insurance
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