Cheapest Car Insurance in Oregon

Kemper is the go-to for affordable car insurance in Oregon, with an average monthly cost of just $40 and an annual rate of $480. This wallet-friendly rate saves drivers $313 compared to the state's average annual cost. These figures are from Quadrant Information Services, reflecting the most affordable rates for Oregon as of December 2024. Read our research methodology to learn about how we found the cheapest Oregon car insurance.

Kemper is the cheapest car insurance company for many drivers in Oregon, with an average monthly rate of $52. This is $38 less than the Oregon average. Other affordable options include Travelers, Capital Insurance Group, American Family and Progressive.

*We used combined minimum and full coverage rates for a 40-year-old driver with good credit and no driving violations to calculate these averages.

Kemper offers the most affordable car insurance for both state minimum and full coverage for many drivers in the Beaver State. However, your rate will depend on your personal background. The table below highlights affordable rates for various major driving profiles.

Read More: Cheapest Car Insurance

Kemper offers the most affordable auto insurance rate, on average, in Oregon. Travelers, Capital Insurance Group and State Farm also provide cheap minimum liability coverage for Oregon drivers. Use the table below to explore rates from similar companies offering minimum coverage in the Beaver State and compare them to the monthly state average.

Kemper is the cheapest provider for full coverage auto insurance in Oregon, with rates averaging $65 per month or $776 per year. Compared to the state's average cost, this rate offers savings of $50 annually. Check the table below for other provider options.

In Oregon, young adult drivers may find the most affordable rates from Kemper. A state minimum policy with Kemper averages just $37 per month for 25-year-olds.

*We used minimum coverage for a 25-year old driver with good credit and no driving violations to determine the cheapest provider.

For young drivers in Oregon, Kemper often offers the most affordable auto insurance, with average rates of $37 per month for state minimum coverage and $65 per month for full coverage. While these rates vary based on your driving history, they're a great starting point. State Farm also provides budget-friendly options for drivers with a DUI at $60 per month.

Read More: Cheapest Car Insurance for Young Drivers

Senior drivers in Oregon can find affordable rates with Kemper. Its average cost for a minimum coverage policy is $42 per month.

*We used minimum coverage for a 65-year old driver with good credit and no driving violations to determine the cheapest provider.

For senior drivers in the Beaver State, Kemper offers affordable rates for both state minimum and full coverage. Capital Insurance Group is a strong contender for those with bad credit or traffic violations. Your quote may differ, but the table below can guide your insurance shopping.

Read More: Cheapest Car Insurance for Seniors

Drivers in Oregon with a DUI, at-fault accident or speeding ticket are considered high-risk drivers by insurers and pay more for car insurance compared to those with clean records. Premiums vary depending on the offense. Below are the best rates for drivers with these infractions.

State Farm offers the best rates for Oregon drivers with DUIs, averaging $55 per month ($663 per year) for minimum coverage insurance. Check the table below for a list of insurance providers and their average monthly premiums for drivers with DUIs in Oregon.

*We used a 40-year-old driver with good credit and a DUI on record to calculate these averages.

With rates averaging $53 per month ($640 per year), Kemper is the cheapest company for drivers after an at-fault accident. Below, find a list of other insurers offering affordable coverage for drivers with accidents. Rates are for minimum coverage policies.

*We used a 40-year-old driver with good credit and an at-fault accident on record to calculate these averages.

Kemper offers the cheapest insurance for Oregon drivers with a speeding ticket, averaging $49 per month. See the table below to compare providers offering minimum coverage for drivers with a speeding ticket.

*We used a 40-year-old driver with good credit and a speeding ticket on record to calculate these averages.

Kemper offers the cheapest car insurance for drivers with poor credit, offering rates as low as $49 monthly and $582 annually for minimum coverage. Check the table below for more options from other providers.

*These rates are based on a 40-year-old driver with bad credit and a clean driving record.

Where you live impacts your car insurance costs. Rates vary across cities and are affected by factors like population, flood risks and crime.

For example, Kemper's average monthly rate for minimum coverage in Eugene is $36 but jumps to $55 in Portland. Check the table below to find your city, the most affordable company and its lowest average monthly premium.

*The lowest rate reference is for a minimum coverage policy for 40-year-olds with good credit and no driving violations.

If you're looking to bundle home and auto insurance in Oregon, MetLife offers an affordable rate of $1,317. Check the table below for more affordable bundling options.

*Rates are for a 40 year old driver with good credit and no driving violations

In Oregon, the monthly average cost for full coverage car insurance is $115, while minimum coverage averages at $66. Understanding the average cost of car insurance in Oregon helps you spot if you're getting a fair deal on your policy.

In Oregon, car insurance rates change by city. See how much you might pay with this table of average minimum and full coverage costs.

Car insurance in Oregon ranks 16th, making it pricier than many other states. The Beaver State's rates reflect its moderate population density, occasional natural disasters, and vehicle theft rates. For more details on why car insurance is expensive in Oregon, visit MoneyGeek.

In Oregon, Oregon law mandates that all drivers must have car insurance with minimum coverage limits. These include $25,000 for bodily injury per person, $50,000 per accident, and $20,000 for property damage per accident. Additionally, drivers must carry $25,000 in uninsured motorist coverage per person and $50,000 per accident, along with $15,000 in personal injury protection per person.

When you finance or lease a car, you're often required to get comprehensive and collision insurance on top of the state's minimum liability coverages. While a minimum liability auto insurance policy is the most affordable option, it provides the least financial protection. Experts suggest opting for full coverage insurance with the highest deductible and liability limits that fit your budget for greater security on the road.

Drivers with serious traffic violations, such as DUI, may need to file for SR-22 insurance, which can increase your premium. In Oregon, either you or your insurance company can file the SR-22 form. It remains valid for 3 years from your most recent offense. Understanding these requirements can help you plan ahead.

In the Beaver State, self-insurance is a common alternative to traditional car insurance. This option requires you to prove financial responsibility, ensuring you can cover potential accident costs, thereby meeting state minimum requirements.

For business owners, fleet insurance is a viable alternative. It covers multiple vehicles under one policy, simplifying management and potentially reducing costs. This option ensures your business vehicles meet Oregon's insurance requirements efficiently.

MoneyGeek recommends that drivers get full coverage car insurance, which includes liability, collision, and comprehensive coverage. For optimal protection, we suggest the following liability limits:

• $100,000 in bodily injury liability per person
• $300,000 in bodily injury liability per accident
• $100,000 in property damage per accident

Comprehensive coverage pays for off-road damage to your car if it's stolen, vandalized, or damaged by something other than a collision, like severe weather or a fire. Collision coverage, on the other hand, takes care of damages to your car from on-road collisions.

If you own a valuable car, it's a smart move to purchase both comprehensive and collision insurance, even though it's not a legal requirement. When setting your deductible for these coverages, choose an amount you're comfortable paying out of pocket before your insurance covers the remaining costs.

Kemper offers Oregon's most affordable car insurance, with full coverage at just $65 and minimum coverage at $40 per month. While saving money is great, remember that the cheapest option may not be the best for you. Experts say it's wise to buy as much coverage as you can afford to stay safe on the road.

MoneyGeek answers common questions about affordable car insurance in Oregon. We help you find the right coverage for your needs. Understand your options and choose what fits best without the hassle.

MoneyGeek obtained auto insurance rates from the Oregon Department of Insurance and Quadrant Information Services. We examined 51,654 auto insurance quotes from 13 providers across 47 ZIP codes to determine the most affordable car insurance companies in Oregon.

Oregon Driver Profile

We used a driver profile with the following background information to identify the cheapest auto insurance companies in Oregon:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually

To find the cheapest option for various driver backgrounds, we adjusted this sample profile by age, driving record, credit score, car make and model, and military service where specified.

Standard Coverage Levels in Oregon

We compared car insurance companies in Oregon that offer both minimum and full coverage policies. The minimum coverage liability limits in Oregon are:

• $25,000 for bodily injury liability per person.
• $50,000 for bodily injury liability per accident.
• $20,000 for property damage liability per accident.
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident

For full coverage policy rates, we used the following liability limits:

• $100,000 for bodily injury liability per person
• $300,000 for bodily injury liability per accident
• $100,000 for property damage liability
• Comprehensive and collision coverage with a $1,000 deductible

Home and Auto Coverage Levels in Oregon

MoneyGeek analyzed the rates of insurance companies for a full-coverage auto insurance policy that includes the following coverage and limits:

• $100,000 in property damage liability
• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• Comprehensive and collision coverage with a $1,000 deductible

We also analyzed rates for a homeowners insurance policy that includes the following limits and coverage:

• $250,000 dwelling coverage
• $25,000 other structures coverage
• $100,000 personal property coverage
• $25,000 loss of use coverage
• $100,000 personal liability coverage
• $1,000 medical payments coverage
• All-perils coverage with a $1,000 deductible