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June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies. Amy Sims is a managing editor for Bankrate, leading a team responsible for creating educational insurance content. Kenneth Chavis IV is a senior wealth manager who provides comprehensive financial planning, investment management and tax planning services to business owners, equity compensated executives, engineers, medical doctors and entertainers. Updated Nov 01, 2022 Compare car insurance rates Answer a few questions to discover real rates from top-tier carriers in your area. Your information is secure Compare rates Select from a variety of trusted carriers + MORE How it works Caret Down Tell us a little about yourself We'll only ask for info we're confident will impact your rate. That way, we can provide you with the most accurate and personalized offers. Choose which policy is best for you Compare your options from a list of carriers that want to get you insured. You can then move forward with as many as you'd like. Lock in your rate and policy details Once you're confident in your selected carrier, finish up the process online or on the phone with a trusted agent. And that's it! On This Page
If you're looking for the best car insurance in Oregon, Bankrate's team can help. We compared dozens of carriers, reviewing factors like average premium, coverage choices, discounts and more. Based on our findings, USAA, Geico and State Farm ranked as some of the best car insurance companies in the Beaver State. While the best Oregon car insurance may vary for every driver, these companies could be a good place to start. Key takeaways Oregon's statewide average for full coverage car insurance tends to fall below the national average. A minimum amount of liability coverage is required for all drivers in Oregon, though drivers can opt for more coverage for enhanced financial protection. Based on our extensive analysis, you may find the best car insurance in Oregon by shopping with USAA, Geico and State Farm. Compare rates and save on auto insurance today! Get quotes Close X How Bankrate chose the best car insurance companies in Oregon
To find the best car insurance in Oregon, Bankrate analyzed Oregon car insurance carriers by average premium with data sourced from Quadrant Information Services. Our editorial team also reviewed each carrier for coverage types offered, available discounts and customer service. Third-party financial scores from and , as well as third party customer satisfaction scores from the was also considered. The better a carrier performed in each category, the higher its overall Bankrate Score for a total score of 5 out of 5 points. This brief overview of each carrier could be useful during your research, and may help you more effectively compare insurers.
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverage that meets each state's requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes.
Bankrate Scores are calculated on a five-point scale and primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support. To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from , , , , and Moody's had the most impact on the companies' Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider. While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer's online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores. Best car insurance companies in Oregon
Bankrate's insurance editorial team analyzed insurance companies in Oregon to find the best insurance providers for your needs. The companies that came out on top include USAA, Geico and State Farm. USAA and Geico made our list for offering great service alongside low average premiums. USAA, Geico and State Farm received high ratings from for customer satisfaction - and Capital offers an impressive list of coverage options and unique discounts. If you're looking for the best car insurance in Oregon, you may want to start by from these providers: Insurance company J.D. Power score (Northwest region) Average annual full coverage premium Average annual minimum coverage premium Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power score (Northwest region) 883 /1,000 Average annual full coverage premium $1,062 Average annual minimum coverage premium $483 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power score (Northwest region) 832 /1,000 Average annual full coverage premium $1,201 Average annual minimum coverage premium $474 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power score (Northwest region) 839 /1,000 Average annual full coverage premium $953 Average annual minimum coverage premium $440 J.D. Power score (Northwest region) Not rated Average annual full coverage premium $1,144 Average annual minimum coverage premium $540 Powered by Coverage.com (NPN: 19966249) This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. *USAA is not eligible for official ranking in the J.D. Power study due to eligibility restrictions This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Discover the best carrier for you
Get custom car insurance quotes from top-rated carriers in 3 minutes or less. Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Year after year, USAA consistently receives high scores for delivering exceptional customer service. However, USAA is not eligible to rank in J.D. Power's studies due to the fact that it only sells insurance to current military members, veterans and their immediate family members. Its average full coverage premium is far lower than Oregon's average, and USAA also offers plenty of discounts. You might save for being a good student, insuring a new car or garaging your vehicle on a military base. Read full Pros and cons CheckmarkPros Policies tailored to military needs Although not officially ranked, high J.D. Power customer satisfaction score Close XCons Strict eligibility requirements Online and over-the-phone policy management only Average annual premium by city Oregon city USAA full coverage premium USAA minimum coverage premium Eugene $970 $448 Gresham $1,202 $578 Hillsboro $1,084 $531 Portland $1,141 $550 Salem $1,049 $497 Answer a few questions to see personalized rates from top carriers. Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Geico has one of the longest lists of discounts in the industry which may help you offset the cost of your policy. You might save for being a federal employee, a safe driver or a member or certain organizations, like alumni groups. Geico also has a and easy-to-use mobile app, so if you like to handle your insurance digitally, this company could be a good fit. However, keep in mind that the company doesn't offer certain coverage options such as gap insurance. Read full Pros and cons CheckmarkPros May have many opportunities to save through discounts Strong online policy management tools Close XCons Home and life insurance underwritten by third parties Fewer policy endorsement options than most competitors Average annual premium by city Oregon city Geico full coverage premium Geico minimum coverage premium Eugene $1,010 $407 Gresham $1,410 $615 Hillsboro $1,154 $513 Portland $1,244 $530 Salem $1,185 $507 Answer a few questions to see personalized rates from top carriers. Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: ++ Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview As the in the U.S., State Farm is a popular car insurance choice for Oregon drivers. With its high financial strength and high J.D. Power ranking, State Farm is an established car insurance company with a household name. The company might be a good choice if you are looking for an in-person insurance experience, as policies are sold through a network of local agents. State Farm also stands out for its two safe driving programs: for adults and for drivers under 25. However, the provider has a amount of customer complaints per the National Association of Insurance Commissioners (NAIC), so drivers with customer service at top-of-mind may want to do further research before making the switch. Read full Pros and cons CheckmarkPros Many State Farm offices available throughout the state Numerous discounts that promote safe driving Close XCons More customer complaints with the NAIC compared to the industry average Accident forgiveness and gap insurance are not available for purchase Average annual premium by city Oregon city State Farm full coverage premium State Farm minimum coverage premium Eugene $840 $380 Gresham $1,204 $604 Hillsboro $1,058 $555 Portland $1,106 $540 Salem $987 $486 Answer a few questions to see personalized rates from top carriers. Answer a few questions to see personalized rates from top carriers. J.D. Power: AM Best: Avg. annual premium for minimum coverage: $ Avg annual premium for full coverage: $ Company overview Capital auto insurance could be a great choice for drivers who want to personalize their auto insurance policy. The company even offers a "come-to-you" auto glass repair service where you could have your car serviced for glass damage at your home. For those who want to work with an in-person agency, Capital auto insurance is sold through local independent agents. However, as an insurance company with a smaller footprint, Capital is not rated by J.D. Power for customer satisfaction. Pros and cons CheckmarkPros Offers some coverage add-ons not available with other companies Can combine auto and home into one account for easier bill management Close XCons Quotes not available online Mobile app is available but rated poorly by customers Average annual premium by city Oregon city Capital full coverage premium Capital minimum coverage premium Eugene $963 $450 Gresham $1,468 $767 Hillsboro $1,185 $620 Portland $1,291 $636 Salem $1,187 $601 Answer a few questions to see personalized rates from top carriers. Average cost of car insurance in Oregon
The is $1,371 per year for full coverage. This is quite a bit less than full coverage premium of $1,771 per year. Minimum coverage car insurance in Oregon averages $625 annually, which is slightly more expensive than the national average of $545. Compared to nearby states, Oregon's average full coverage car insurance rates are cheaper than , which averages $2,190 per year, but more expensive than , which is $1,313 per year. Full coverage car insurance rates in Oregon could be less expensive than the national average for a few reasons. Oregon has a relatively low population density, which could contribute to less crowded roadways. The state also does not have particularly high and average . Average annual premium for minimum coverage in Oregon Average annual premium for full coverage in Oregon $625 $1,371
Oregon city Average annual premium for full coverage Average annual premium for minimum coverage Portland $1,509 $738 Eugene $1,194 $544 Salem $1,376 $668 Gresham $1,637 $821 Hillsboro $1,387 $685 Bankrate uses 2022 premium data from Quadrant Information Services to report . However, it's important to note that your actual car insurance premium will vary based on a number of factors. The type of car you drive, your driving history, the coverage you choose and the discounts you qualify for could all affect how much you pay. How to find the best car insurance in Oregon
The best car insurance for you will depend on your needs and preferences. The following steps can help you nail down what considerations to make before choosing a provider. Consider minimum insurance requirement in Oregon
Every state except New Hampshire and Virginia have minimum liability insurance requirements. In Oregon, drivers are required to purchase bodily injury and property damage liability, personal injury protection and uninsured motorist coverage. The exact coverage amounts you need can be found on the and in Bankrate's analysis of . Consider lender requirements
Your lender may require you to purchase , rather than just the minimum liability insurance required by your state. Having full coverage helps the lender know that there is a higher likelihood of repairs or replacements being paid for in the event of a covered incident. is a common optional coverage type for new vehicles that pays the difference between what you owe on the vehicle and its value if your car gets totaled or is stolen & unrecoverable. Consider your individual needs
Your unique life events often affect your auto insurance rate. For instance, will you have to add a teen driver to your car insurance? Average rates for can be high, but some providers offer discounts for good students that could help decrease your teen's auto insurance rate. Do you have a DUI conviction? You may want to look into insurers who offer options for . Have you modded out your car with aftermarket parts or special features? You'll want to check with your carrier to see if it offers specific coverage to insure these additions. Car insurance discounts in Oregon
If you're looking for , you may want to look into that could apply to you. These common discounts could help lower your premium: Young driver discounts: Looking for or a young Oregon driver? Young drivers can often qualify for discounts such as good student, which rewards those in school for getting good grades. If you have a child away at college without a car, they may qualify for the distant student discount. Safe driver discounts: If you do not have a high number of claims, you may qualify for a lower car insurance rate. You may also be able to get a discount for enrolling in a , which tracks your driving in real time and may offer deals for safe practices behind the wheel. Multi-policy discounts: Buying more than one policy from an insurance carrier typically helps you save. For example, one of the most popular insurance discounts may be earned by , which could also be earned if you rent or live in a condominium. Depending on your carrier, other policies, like life, umbrella or watercraft insurance could also qualify for a multiple policy discount. Billing discounts: The way you pay your bill could save you money. Signing up for paperless statements, using automatic payment features or paying your premium in full might mean you get a discount. Because every company is different, talking with a representative is often the best way to identify ways to save, although most companies list at least some of their discounts online. Just remember that the availability of discounts could vary by state. Frequently asked questions
Car insurance companies use many different rating factors to determine your premium. Some of these factors could include your driving history, your location, your , and in Oregon, your credit score. Additionally, every insurance company places different weights on these factors. For example, some companies may not surcharge as heavily for an at-fault accident compared to others. As such, the cheapest car insurance in Oregon will be different for every driver. An excellent way to ensure you get the most competitive rate possible is by periodically shopping around and requesting quotes from multiple carriers.
Car insurance is a mandatory requirement for drivers in Oregon, although there are some alternatives available for qualified drivers. is available only to those who have applied to Oregon's Department of Transportation and meet specific criteria. All other drivers will need to meet Oregon's minimum requirements for car insurance.
Oregon has minimum requirements for insurance that all drivers are required to meet. In Oregon, drivers must have at least a minimum amount of liability insurance, personal injury protection (PIP) coverage and uninsured motorist coverage. Additional coverage, such as collision coverage and comprehensive coverage, is not required by the state. However, many drivers choose to purchase these coverage options to help protect their finances in the event of a covered incident or are required to purchase these coverage options by their lender.
Every car insurance company has its own rating algorithm to determine how much to charge you for coverage. These formulas are developed by taking various driver metrics into consideration. These metrics may include a driver's claim history, as well as the likelihood of claims in your area and the severity of those claims, among other factors. Because of this, each company will weigh your rating factors differently. One company might heavily while another only mildly increases your premium. This is why it may be helpful to get quotes from several companies. Written by June Sham Insurance Writer June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies. Amy Sims is a managing editor for Bankrate, leading a team responsible for creating educational insurance content. Kenneth Chavis IV is a senior wealth manager who provides comprehensive financial planning, investment management and tax planning services to business owners, equity compensated executives, engineers, medical doctors and entertainers.