Best Car Insurance In Oregon
State Farm is widely regarded as the top provider of comprehensive car insurance in Oregon.
We’ve saved shoppers an average of $600 per year on their car insurance.
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
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 |
|
Overall |
A++ |
826 |
Yes |
Instant Quote |
| Amica |
|
Young Adults |
A+ |
Not Rated |
Yes |
Instant Quote |
| Wawanesa |
|
Budget Option |
A+ |
843 |
Yes |
Instant Quote |
| Chubb |
|
New Cars |
A++ |
Not Rated |
Yes |
Instant Quote |
| Allstate |
|
Seniors |
A++ |
816 |
Yes |
Instant Quote |
| AAA |
|
Driving Violations |
A- |
832 |
Yes |
Instant Quote |
| GEICO |
|
Minimum Coverage |
A++ |
830 |
No |
Instant Quote |
| Travelers |
|
Full Coverage |
A++ |
Not Rated |
Yes |
Instant Quote |
| Farmers |
|
Families With Teens |
A |
813 |
Yes |
Instant Quote |
| State Farm |
|
Customer Service |
A++ |
826 |
Yes |
Instant Quote |
Best Car Insurance Companies In Oregon 2026
Best Overall
Key Statistics
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
⇅- Cost-efficient pricing
- Extensive assortment of insurance options
- Stellar customer support ✓
- This isn't the most financially advantageous.
- Inadequate digital aids
- Premiums escalate after lodging claims. ✘
Best For Minimum Coverage
Key Statistics
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
⇅- Economically viable premiums
- Swift internet solutions
- Speedy claim settlement ✓
- Core coverage options
- Formalized client support
- Local agents are not accessible. ✘
Best For Full Coverage
Key Statistics
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
⇅- Wide-ranging insurance coverage
- Our policy includes accident forgiveness.
- Substitution with a newly released car ✓
- Amplified insurance premiums
- Diverse policy pathways
- Lengthy claim settlement procedures ✘
Best For New Cars
Key Statistics
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
⇅- Coverage with agreed-upon valuation
- High-quality claims service
- Luxury policy benefits ✓
- Elite pricing
- There may be an overabundance of coverage
- Limited opportunities for discounts ✘
Best For Seniors
Key Statistics
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
⇅- Unique discounts for older adults
- We provide forgiveness for accidents
- Versatile mobile app ✓
- Upgraded insurance premiums
- Variable customer care experiences
- Policy options are frequently nuanced and intricate. ✘
Best For Driving Violations
Key Statistics
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
⇅- Forgiving the first crash
- Reduced Costs for Safe Drivers
- Custom-tailored coverage options for motorists with risky driving histories. ✓
- Upgraded charges for violations
- Few choices for coverage plans
- Access granted to members only. ✘
Best For Families With Teens
Key Statistics
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
⇅- Price reductions for students who excel
- Adjustable insurance coverage
- Learning resources for high school students ✓
- Likelihood of paying more in premiums
- Alternating customer service experiences
- Intricate policy guidelines ✘
Best For Customer Service
Key Statistics
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
⇅- Pricing that competes
- Comprehensive insurance coverage
- Stellar customer experience ✓
- Not priced the most competitively.
- Few digital utilities
- Prices escalate after filing claims. ✘
Best For Young Adults
Key Statistics
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
⇅- Cost-effective solutions for millennials and Gen Z.
- Stellar customer relations
- Efficiently processed claims ✓
- Handful of actual sites
- Scarce high-risk coverage alternatives.
- We don't offer discounts that depend on usage. ✘
Best For Budget Option
Key Statistics
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
⇅- Rates that stand out
- Secure customer contentment
- Plain and straightforward claims process ✓
- 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.
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.
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.
Compare Quotes
Use Insuranceopedia to gather quotes from multiple insurers and find out which one offers the best coverage for your budget.
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.
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.
Quotes Assessed
Hours Of Research
Years Of Industry Experience
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
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