Cheapest Car Insurance For College Students In Oregon 2025
State Farm is one of the best car insurance companies for college students in Oregon. State Farm is also the cheapest provider, with an average annual rate of $2,268.
We’ve saved shoppers an average of $600 per year on their car insurance.
Car insurance rates for college students in Oregon are much more expensive than other age groups in large part because popular universities are located in cities with the highest crash statistics.
Portland State University and Portland Community College have almost 90,000 students combined. Portland is the most dangerous city in Oregon in terms of car accidents, with an average of well over 60 accidents and 60 fatalities every year.
In Eugene, the University of Oregon is home to over 24,000 students. This city has made the list of the top five most dangerous in terms of annual accidents and fatalities as well.
Thankfully, college students in Oregon can find ways to reduce their risk of accidents, claims, and high premiums.
Key Takeaways
Student drivers in Oregon must have car insurance that meets the state’s minimum requirements.
State Farm offers the cheapest insurance policy for students in Oregon, at an average annual rate of $2,268.
There are multiple ways to reduce the cost of car insurance for students in Oregon.
Best Car Insurance Companies For College Students In Oregon
When selecting car insurance for college students in Oregon, you need to consider your priorities and pick a policy that matches your needs, whether that is low rates or comprehensive coverage.
Use the table below to see our picks for the best auto insurers for students in Oregon.
| Company | Average Rate Per Year |
| Travelers | $2,808 |
| State Farm | $2,268 |
| Allstate | $2,976 |
| Nationwide | $2,700 |
| GEICO | $2,460 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Cheapest Liability-Only Car Insurance For College Students In Oregon
Minimum coverage policies are often an effective way to decrease overall costs, but can leave you vulnerable in an accident. These low-cost plans will only cover the state minimum insurance needed to operate a vehicle, which means paying expenses out of pocket.
Minimum coverage policies are great options for college students as they provide the insurance needed to drive legally while keeping costs low.
As you can see from the table below, State Farm is the cheapest average option at $648 per year.
| Company | Average Rate Per Year |
| Oregon Mutual | $864 |
| State Farm | $648 |
| Country Financial | $828 |
| Travelers | $936 |
| Progressive | $744 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Cheapest Full Coverage Car Insurance For College Students In Oregon
College students who commute to campus or routinely drive for work should consider a full coverage policy over minimum coverage. These plans offer additional protection, often including liability, comprehensive, and collision coverage.
While the full coverage policies offer more protection, they come at a higher cost. It’s essential to weigh the benefits of the additional insurance against the extra monthly cost.
Travelers is the cheapest full coverage car insurance policy for students in Oregon, at an average annual rate of $1,536.
| Company | Average Rate Per Year |
| Country Financial | $1,992 |
| Progressive | $2,340 |
| Travelers | $1,536 |
| State Farm | $2,160 |
| GEICO | $2,100 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Cheapest Car Insurance For College Students With Low-Mileage In Oregon
If you’re a college student who doesn’t plan on driving much throughout the school year, there’s no reason to pay for insurance you don’t need. While you’ll still need to maintain the state minimum auto insurance, most low-mileage policies offer discounted rates if you stay below a certain number of miles yearly.
The limit will vary between insurance companies but is usually around 7,500 to 10,000 miles annually.
Use the table below to view the cheapest low-mileage rates for college drivers in Oregon.
| Company | Average Rate Per Year |
| Progressive | $1,320 |
| Lemonade | $696 |
| Nationwide | $1,500 |
| Allstate | $1,140 |
| State Farm | $1,380 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Cheapest Car Insurance For College Students With Driving Violations In Oregon
Driving violations can significantly increase the amount a driver pays for monthly coverage, regardless of age. College students will likely experience an even more significant rate increase after an accident or ticket due to their already high-risk rating.
One way to mitigate the damage of a driving violation is to work with a company like Country Financial that specializes in insuring motorists with a history of tickets or accidents.
| Company | Average Rate Per Year |
| Travelers | $2,700 |
| Country Financial | $2,220 |
| Progressive | $2,760 |
| GEICO | $2,880 |
| State Farm | $2,280 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For College Students In Oregon – By City
Where you live in Oregon can have a significant impact on your car insurance premiums.
Use the table below to view average rates for different cities in Oregon.
| City | Average Monthly Cost |
| Portland | $223 |
| Eugene | $170 |
| Salem | $196 |
| Gresham | $248 |
| Hillsboro | $210 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For 18-Year-Old College Students In Oregon
State Farm offers the cheapest rates for 18-year-old college drivers in Oregon, at an average monthly cost of $146.
| Car Insurance Provider | Average Monthly Cost |
| GEICO | $241 |
| State Farm | $146 |
| Travelers | $219 |
| Progressive | $480 |
| Nationwide | $249 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For 19-Year-Old College Students In Oregon
State Farm provides the cheapest policy for 19-year-old college students in Oregon, averaging $126 per month.
| Car Insurance Provider | Average Monthly Cost |
| Allstate | $238 |
| Travelers | $175 |
| State Farm | $126 |
| Nationwide | $212 |
| Kemper | $145 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For 20-Year-Old College Students In Oregon
The cheapest auto insurance rates for a 20-year-old college driver can be found with iuuhgh, averaging $111 per month.
| Car Insurance Provider | Average Monthly Cost |
| State Farm | $111 |
| Kemper | $150 |
| Progressive | $201 |
| GEICO | $188 |
| Nationwide | $173 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For 21-Year-Old College Students In Oregon
The most affordable college student car insurance policy for a 21-year-old can be found at State Farm, with an average monthly cost of $97.
| Car Insurance Provider | Average Monthly Cost |
| GEICO | $147 |
| Allstate | $162 |
| State Farm | $97 |
| Travelers | $130 |
| USAA | $140 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For 22-Year-Old College Students In Oregon
22-year-old student car insurance can be found from $89 per month, with a State Farm auto policy.
| Car Insurance Provider | Average Monthly Cost |
| State Farm | $89 |
| Nationwide | $111 |
| American Family | $120 |
| GEICO | $132 |
| Progressive | $151 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For 23-Year-Old College Students In Oregon
23-year-old college drivers can find affordable insurance from State Farm at an average monthly cost of $79.
| Car Insurance Provider | Average Monthly Cost |
| Progressive | $130 |
| State Farm | $79 |
| GEICO | $116 |
| Kemper | $95 |
| Travelers | $108 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For 24-Year-Old College Students In Oregon
The cheapest car insurance policy for a 24-year-old college student is $73 per month, which can be found with State Farm.
| Car Insurance Provider | Average Monthly Cost |
| GEICO | $111 |
| State Farm | $73 |
| Progressive | $120 |
| Travelers | $105 |
| Country Financial | $90 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For 25-Year-Old College Students In Oregon
Kemper offers the cheapest auto policies for 25-year-old college students in Oregon at $118 per month.
| Car Insurance Provider | Average Monthly Cost |
| Kemper | $118 |
| Country Financial | $157 |
| Travelers | $124 |
| USAA | $130 |
| Oregon Mutual | $140 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance On Family Policy Vs. Individual Policy
| Insurance Company | Family Policy | Individual Student Policy |
| Travelers | $108 | $334 |
| State Farm | $117 | $289 |
| Allstate | $97 | $348 |
| Nationwide | $110 | $325 |
| GEICO | $88 | $305 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Common Auto Insurance Claims In Oregon
Oregon generally has four common types of auto insurance claims, which consist of:
- Collision Claims (5.8 claims per 100 years of a car’s lifespan)
- Comprehensive Claims (2.81 claims per 100 years of a car’s lifespan)
- Bodily Injury Claims (0.95 claims per 100 years of a car’s lifespan)
- Property Damage Claims (3.36 claims per 100 years of a car’s lifespan)
As of 2023, some of the most common claims included property damage and lost wages.
Do College Students Need Their Own Insurance, or Can They Stay On A Parent’s?
The rules for whether college students need their own insurance or can stay on a parent’s policy are dictated by the vehicle ownership and living situation.
Where Do You Call Home?
If you live at home or you are a full-time college student and you continue to use your parents’ home address as your permanent address, you can typically stay on your parents’ policy. But if you move out of your parents’ home permanently, then you’ll need to take out your own car insurance policy in Oregon.
Who Owns the Car?
If the vehicle is titled under your name, you will need to take out your own policy. However, if the car is titled in your parent’s name or jointly titled, you will likely be able to remain under a parent’s policy.
How Can College Students Save Money On Car Insurance In Oregon
Unfortunately, car insurance rates for most college students in Oregon are much higher than for older drivers, even those who are just 25+. If you can’t stay on a parent’s or guardian’s insurance, you’ll need to explore ways to lower your monthly premium.
Below are some common ways to reduce your premiums.
Vehicle Security Modifications
Major cities throughout Oregon especially where the top universities are have experienced a rise in car theft. The Honda Civic, Kia Soul, Hyundai Elantra, and Honda Accord were the top four most commonly stolen vehicles in 2023 in Oregon.
Car insurance companies will give you a discount for adding vehicle security modifications like anti-theft devices or alarms, even tracking systems, in the event that your vehicle is stolen.
Vehicle Safety Modifications
Oregon is a fault state which means that if you are found at fault, you could be responsible for all of the damages and injuries sustained by other people. However, that doesn’t mean that your vehicle will be covered, especially if it is damaged because of things like weather.
Winters in Oregon mean that there are snowy roads and icy weather, both of which increase the risk of car accidents, particularly for drivers from out of state. If you slide through icy intersections and damage your vehicle, your policy may not cover your claim.
However, with vehicle safety modifications like anti-lock brakes, you can reduce your risk of accidents like these and get a discount on your premiums. These save an average of 4% in Oregon per policy.
Car Type
The car type will directly influence premiums as well. While most parents think that a new car is safer and more energy efficient, those safety elements and security modifications won’t necessarily reduce the premiums on a new vehicle, given that insurance companies charge more for new vehicles because of the higher potential cost of repairs and replacements.
Affiliation Discounts
Membership in organizations like alumni groups, fraternities, and sororities can also reduce your monthly insurance premiums with insurance discounts offered by competing companies.
Student Discounts
The average potential savings for keeping good grades in Oregon is 14% off your premiums.
However, other student discounts include low annual mileage, which offers potential average savings of 6% in Oregon, and loyalty discounts, which average 12% in discounts.
How To Buy Car Insurance As A College Student In Oregon
As a college student, if you are setting out to buy your first car insurance policy, it might seem like a stressful task, but online platforms have made it much more manageable.
Determine Coverage
Figure out what coverage you need and what additional options you want.
In Oregon, you are required to have $25,000 for bodily injury per person, $50,000 per accident, and $20,000 for property damage. You must have liability coverage, which includes property damage and bodily injury in the event that you are found legally responsible for a covered accident.
You must also have uninsured and underinsured motorist coverage, which protects you in the event of an accident where you were not at fault, but the other driver doesn’t have insurance or doesn’t have enough insurance.
College drivers in Oregon also need personal injury protection, which provides reimbursement for things like lost wages and medical expenses.
In addition to these requirements, you might opt for comprehensive coverage, which covers the cost of repairing your vehicle in the event of non-collision items; collision coverage, which repairs your vehicle; roadside assistance; and rental car reimbursement.
Compare Policies
With platforms like Insuranceopedia, you can then compare policies by inputting your essential information, like your vehicle information, your driving history, your personal information, and your driver’s license.
The rates you are given in Oregon are based not just on these factors and your age, but the ZIP code where you live. At the time that you compare different policies, you can look into different insurance discounts based on competing providers.
Buy Coverage
Once you find the plan that you want, you can pay for it over the phone or set up your policy in person with the insurance provider you choose. If you are setting up a new policy to replace an existing policy, you’ll need to inform your old provider of the change.
How To Get Discounts
As a college student in Oregon, getting car insurance can be expensive, but you can take advantage of carrier-provided discounts. Each provider offers a different collection of discounts. Some examples include the following:
- Loyalty programs for those who have had the same coverage for several years
- Clean driver records
- Good grades
- Low mileage
- College students who leave their car at home
- Paying for premiums annually instead of monthly
- Being a part of affiliate groups
- Active duty military
Oregon Car Insurance Laws to Know
Oregon law requires that drivers maintain three types of coverage:
- Bodily injury and property damage liability at $25,000 per person, $50,000 per accident, and 20,000 for property damage
- Personal injury protection valued at $15,000 per person
- Uninsured motorist coverage at $25,000 per person and $50,000 per accident
If you decide to buy a new car in Oregon, you may need additional coverage based on requirements from your lender, and you must notify your insurance company or take out a new policy within 14 days.
Compare College Student Rates To Other U.S. States
| State | Average Annual Premium |
| Alabama | $3,460 |
| Alaska | $3,276 |
| Arizona | $3,412 |
| Arkansas | $3,557 |
| California | $4,016 |
| Colorado | $3,937 |
| Connecticut | $3,325 |
| Delaware | $3,663 |
| Florida | $4,294 |
| Georgia | $3,570 |
| Hawaii | $3,117 |
| Idaho | $3,028 |
| Illinois | $3,132 |
| Indiana | $3,115 |
| Iowa | $3,230 |
| Kansas | $3,500 |
| Kentucky | $3,828 |
| Louisiana | $4,483 |
| Maine | $2,775 |
| Maryland | $3,346 |
| Massachusetts | $3,326 |
| Michigan | $3,952 |
| Minnesota | $3,511 |
| Mississippi | $3,608 |
| Missouri | $3,582 |
| Montana | $3,793 |
| Nebraska | $3,502 |
| Nevada | $3,660 |
| New Hampshire | $2,865 |
| New Jersey | $3,502 |
| New Mexico | $3,649 |
| New York | $3,470 |
| North Carolina | $3,341 |
| North Dakota | $3,265 |
| Ohio | $3,017 |
| Oklahoma | $3,738 |
| Oregon | $3,278 |
| Pennsylvania | $3,472 |
| Rhode Island | $3,661 |
| South Carolina | $3,422 |
| South Dakota | $3,880 |
| Tennessee | $3,277 |
| Texas | $3,643 |
| Utah | $3,425 |
| Vermont | $2,919 |
| Virginia | $3,069 |
| Washington | $3,208 |
| West Virginia | $3,605 |
| Wisconsin | $3,264 |
| Wyoming | $3,358 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Our Methodology
To find the cheapest car insurance rates for college students in Oregon, we analyzed findings from numerous insurance rating sites, some of which analyzed rates from public filings obtained by Quadrant Information Services. We also utilize the combined 25 years of experience from our team of insurance experts to evaluate each carrier.
It’s important to note that even though the rates listed in this guide are accurate, premiums shift daily and can fluctuate based on each driver.
