Best Car Insurance In Oregon

State Farm is widely regarded as the top provider of comprehensive car insurance in Oregon.

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Written by Bob Phillips
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Whether you’re looking for budget-friendly car insurance, all-encompassing coverage for a new car, or plans tailored to families and seniors, we’ve reviewed Oregon’s top car insurers. State Farm is the best overall, balancing affordability, extensive coverage, and customer satisfaction.

GEICO is ideal for those wanting cheap, minimum coverage, while Travelers excels in full coverage plans with accident forgiveness. With 15 years of industry knowledge, including five years in Oregon, I’ve created this guide to help you find a policy that fits your needs.

Best Car Insurance Companies In Oregon, 2026

Best Car Insurance, Oregon, 2026

Compare The Best Car Insurance In Oregon

Overall Rating Best For A.M Best Rating J.D Power Rating Local Sales Agent Presence Get A Quote
State Farm
4.9

Overall

A++

826

Yes

Instant Quote
Amica
4.8

Young Adults

A+

Not Rated

Yes

Instant Quote
Wawanesa
4.9

Budget Option

A+

843

Yes

Instant Quote
Chubb
4.7

New Cars

A++

Not Rated

Yes

Instant Quote
Allstate
4.7

Seniors

A++

816

Yes

Instant Quote
AAA
4.8

Driving Violations

A-

832

Yes

Instant Quote
GEICO
4.8

Minimum Coverage

A++

830

No

Instant Quote
Travelers
4.5

Full Coverage

A++

Not Rated

Yes

Instant Quote
Farmers
4.5

Families With Teens

A

813

Yes

Instant Quote
State Farm
4.9

Customer Service

A++

826

Yes

Instant Quote
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Best Car Insurance Companies In Oregon 2026


Best Overall

Overall Rating
4.9

Key Statistics

8/10 Affordability
10/10 Customer Reviews
8/10 Claims
9/10 Coverage Level

Why We Like Them

State Farm stands out as a leading car insurer in Oregon, offering competitive pricing paired with comprehensive protection. Drivers can save through discounts for safe habits, multi-car policies, and safety equipment. High ratings for customer satisfaction and a network of knowledgeable local agents ensure reliable, personalized service that earns the trust of policyholders.

Benefits & Drawbacks

Benefits
  • Cost-efficient pricing
  • Extensive assortment of insurance options
  • Stellar customer support
Drawbacks
  • This isn't the most financially advantageous.
  • Inadequate digital aids
  • Premiums escalate after lodging claims.

Best For Minimum Coverage

Overall Rating
4.8

Key Statistics

8/10 Affordability
8/10 Customer Reviews
9/10 Claims
9/10 Coverage Level

Why We Like Them

Oregonians seeking budget-friendly minimum coverage often choose GEICO for its exceptional pricing and simplified insurance process. The insurer’s highly competitive rates help drivers save money while staying compliant with state requirements. GEICO’s digital tools also make policy management and claims filing remarkably easy.

Benefits & Drawbacks

Benefits
  • Economically viable premiums
  • Swift internet solutions
  • Speedy claim settlement
Drawbacks
  • Core coverage options
  • Formalized client support
  • Local agents are not accessible.

Best For Full Coverage

Overall Rating
4.5

Key Statistics

7/10 Affordability
7/10 Customer Reviews
8/10 Claims
9/10 Coverage Level

Why We Like Them

Travelers stands out in Oregon for full coverage car insurance, offering a range of protections that include collision, theft, and natural disaster coverage. Additional benefits, like accident forgiveness and new car replacement, make Travelers an excellent choice in a state known for costly repairs. Their financial stability and attentive support give drivers confidence in their coverage.

Benefits & Drawbacks

Benefits
  • Wide-ranging insurance coverage
  • Our policy includes accident forgiveness.
  • Substitution with a newly released car
Drawbacks
  • Amplified insurance premiums
  • Diverse policy pathways
  • Lengthy claim settlement procedures

Best For New Cars

Overall Rating
4.7

Key Statistics

7/10 Affordability
8/10 Customer Reviews
8/10 Claims
9/10 Coverage Level

Why We Like Them

For new car owners in Oregon, Chubb offers unparalleled coverage designed for high-value vehicles. Their agreed value coverage guarantees the full insured amount without depreciation in a total loss situation, addressing the needs of new car buyers. Additional benefits like rental reimbursement, key replacement, and access to preferred repair shops ensure top-tier protection. Combined with Chubb’s excellent customer service and efficient claims handling, this makes them a trusted provider for new car insurance.

Benefits & Drawbacks

Benefits
  • Coverage with agreed-upon valuation
  • High-quality claims service
  • Luxury policy benefits
Drawbacks
  • Elite pricing
  • There may be an overabundance of coverage
  • Limited opportunities for discounts

Best For Seniors

Overall Rating
4.7

Key Statistics

8/10 Affordability
8/10 Customer Reviews
8/10 Claims
9/10 Coverage Level

Why We Like Them

Allstate offers senior drivers in Oregon a blend of affordability and protection with features like senior discounts, accident forgiveness, and new car replacement. Their policies also encourage safe driving with incentives and discounts for low mileage. User-friendly tools and dedicated customer support enhance their appeal to older drivers.

Benefits & Drawbacks

Benefits
  • Unique discounts for older adults
  • We provide forgiveness for accidents
  • Versatile mobile app
Drawbacks
  • Upgraded insurance premiums
  • Variable customer care experiences
  • Policy options are frequently nuanced and intricate.

Best For Driving Violations

Overall Rating
4.8

Key Statistics

9/10 Affordability
8/10 Customer Reviews
8/10 Claims
9/10 Coverage Level

Why We Like Them

Oregon drivers with infractions can rely on AAA for car insurance that prioritizes forgiveness and improvement. Accident forgiveness shields drivers from premium hikes, while discounts for completing defensive driving courses incentivize safer behaviors.

Benefits & Drawbacks

Benefits
  • Forgiving the first crash
  • Reduced Costs for Safe Drivers
  • Custom-tailored coverage options for motorists with risky driving histories.
Drawbacks
  • Upgraded charges for violations
  • Few choices for coverage plans
  • Access granted to members only.

Best For Families With Teens

Overall Rating
4.5

Key Statistics

7/10 Affordability
7/10 Customer Reviews
8/10 Claims
8/10 Coverage Level

Why We Like Them

Farmers Insurance is a great option for Oregon families with teen drivers, thanks to its specialized discounts and programs. From good student rewards to safe driver training, Farmers offers affordable solutions for managing teen driver insurance.

Benefits & Drawbacks

Benefits
  • Price reductions for students who excel
  • Adjustable insurance coverage
  • Learning resources for high school students
Drawbacks
  • Likelihood of paying more in premiums
  • Alternating customer service experiences
  • Intricate policy guidelines

Best For Customer Service

Overall Rating
4.9

Key Statistics

8/10 Affordability
10/10 Customer Reviews
8/10 Claims
9/10 Coverage Level

Why We Like Them

With a reputation for excellent customer care, State Farm offers Oregon residents personalized service through a network of skilled agents. Their proactive approach and efficient claims process make them a leader in the industry.

Benefits & Drawbacks

Benefits
  • Pricing that competes
  • Comprehensive insurance coverage
  • Stellar customer experience
Drawbacks
  • Not priced the most competitively.
  • Few digital utilities
  • Prices escalate after filing claims.

Best For Young Adults

Overall Rating
4.8

Key Statistics

8/10 Affordability
9/10 Customer Reviews
8/10 Claims
9/10 Coverage Level

Why We Like Them

Amica offers Oregon’s young drivers an affordable insurance solution with discounts tailored to their needs. From good student rewards to safe driving incentives, Amica combines cost savings with reliable customer support.

Benefits & Drawbacks

Benefits
  • Cost-effective solutions for millennials and Gen Z.
  • Stellar customer relations
  • Efficiently processed claims
Drawbacks
  • Handful of actual sites
  • Scarce high-risk coverage alternatives.
  • We don't offer discounts that depend on usage.

Best For Budget Option

Overall Rating
4.9

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claims
8/10 Coverage Level

Why We Like Them

For drivers in Oregon prioritizing affordability, Wawanesa offers budget-friendly car insurance with reliable service. Its competitive rates and simple claims process are perfect for those seeking quality coverage at a lower price.

Benefits & Drawbacks

Benefits
  • Rates that stand out
  • Secure customer contentment
  • Plain and straightforward claims process
Drawbacks
  • Insufficient insurance options
  • Discounts are more limited now.
  • Restrictions due to location-specific availability

Minimum Car Insurance Requirements In Oregon

To comply with Oregon’s car insurance laws, drivers must carry a minimum of $25,000 in bodily injury liability per person, $50,000 per accident, and $20,000 for property damage liability.

Average Cost Of Car Insurance In Oregon

Quadrant Information Services estimates that the average cost of full car insurance coverage in Oregon is $166 per month or $1,997 per year. Nationally, it’s about $205 monthly or $2,460 annually.

COMPANY FULL COVERAGE
State Farm $1,504
Country Financial $1,529
GEICO $1,685
Travelers $1,320
Nationwide $1,414

Average Car Insurance Rates In Oregon – By City

City Average Premium
Salem $1,560
Lebanon $1,512
Bend $1,440
Eugene $1,320
Creswell $1,497
Colton $1,982
Corvallis $1,320
Estacada $1,972
Gresham $2,079
Hillsboro $1,680

Average Car Insurance Rates In Oregon – By Age

Age Average full coverage rate Average minimum coverage rate
16
$4,475
$1,906
18
$6,082
$2,580
20
$4,424
$1,757
25
$2,509
$990
30
$2,128
$845
40
$1,984
$812
50
$1,862
$780
60
$1,807
$770
70
$1,989
$874

How To Find The Best Car Insurance

Finding the most suitable car insurance involves understanding your state’s legal requirements and your specific needs. First, confirm that you meet your state’s liability minimums. If you’re financing or leasing your vehicle, additional coverage like collision or comprehensive insurance is often mandatory.

Consider your driving habits, car’s value, and risk tolerance when determining what other types of coverage you may need. Uninsured motorist and personal injury protection may also be smart additions, depending on where you live. Comparing quotes from several insurance companies helps you get the right coverage at a price you can afford.

How To Buy Car Insurance In Oregon

Go through these five steps to purchase the correct car insurance in Oregon that suits your needs

Assess Your Coverage Needs

Evaluate how much car insurance you need by considering your vehicle’s value, how frequently you drive, and your financial situation. Consider whether to enhance your policy with collision and comprehensive coverage.

1

Research Potential Insurers

Research multiple Oregon car insurers to evaluate how they handle customer service, process claims, and maintain financial stability. Use online reviews, ratings from independent agencies like J.D. Power, and feedback from current and former customers to judge each insurer’s reliability.

2

Gather Necessary Information

Prepare in advance by collecting important information such as your driver’s license number, vehicle registration, driving record, and any relevant documents that could affect your rates before requesting quotes. This will simplify the process and ensure accurate pricing.

3

Compare Quotes

Use Insuranceopedia to gather quotes from multiple insurers and find out which one offers the best coverage for your budget.

4

Purchase the Policy

Once you’ve chosen the insurer that offers the best coverage for the best price, proceed to buy the policy. Nowadays, many insurers allow you to do this online or over the phone, making it convenient to get immediate coverage. After purchasing, make sure to print out your insurance cards and any other necessary documentation.

5

Our Methodology

Our dedication to delivering precise insurance company ratings drives our comprehensive methodology. We assess multiple insurers, gathering insights from various trusted review sites. Key metrics from industry leaders such as A.M. Best and J.D. Power are also integral to our assessments. With 15 years of experience as an insurance agent, including extensive work in Oregon, I bring firsthand knowledge to enrich our analysis. This rigorous process, incorporating data from reputable review sources, ensures our ratings are reliable, guiding your insurance decisions with confidence.

324

Quotes Assessed

40+

Hours Of Research

15

Years Of Industry Experience

31

Brands Reviewed

FAQs

Who is the most trusted car insurance company?

From our findings, State Farm and Wawanesa emerge as the most preferred car insurance options in Oregon.

How much car insurance do I need?

How much car insurance you require depends on factors such as Oregon’s minimum requirements, your vehicle’s value, and your financial circumstances. Consider liability, collision, and comprehensive coverage for adequate protection.

Why is car insurance so expensive?

The cost of car insurance may increase due to factors including the coverage level, your driving history, the make of your vehicle, your location, and external influences like inflation and escalating repair expenses.

About Bob Phillips

Having spent over fifteen years helping people plan their lives financially, Bob mastered many different financial products to help people achieve their financial goals, including life insurance, disability insurance, mutual funds, and stocks and bonds.
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