Cheapest Car Insurance For College Students In Oregon 2026

College students in Oregon often face higher car insurance premiums than older drivers, largely because many of the state’s largest universities are located in cities with elevated crash statistics.

For example, Portland State University and Portland Community College together enroll nearly 90,000 students, and Portland consistently ranks as the most dangerous city in Oregon for auto accidents, averaging more than 60 crashes and 60 fatalities annually. In Eugene, home to the University of Oregon with over 24,000 students, accident and fatality rates are high enough to place the city among the state’s top five most dangerous.

Despite these risks, Oregon college students can take steps to lower their premiums. Strategies such as maintaining good grades, completing defensive driving courses, installing anti‑theft devices, or opting for usage‑based insurance programs can help reduce both accident risks and insurance costs.

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.

* 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.

* 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.

* 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.

* 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.

* 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.

* 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.

* 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.

* 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.

* 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.

* 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.

* 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.

* 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.

* 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.

* 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

* These figures are estimates based on general market trends, and they may differ from your actual rate.

How Can College Students Save Money On Car Insurance In Oregon

Car insurance premiums in Oregon are often much higher for college students than for older drivers. If staying on a parent’s policy isn’t an option, there are several strategies that can help reduce monthly costs.

Student-Specific Discounts

Academic performance and responsible driving can directly lower premiums. In Oregon, students can save:

• Good student discount: Maintaining strong grades can reduce premiums by an average of 14%
• Low annual mileage discount: Driving less can save around 6%
• Loyalty discount: Staying with the same insurer for several years can save about 12%

Vehicle Security Modifications

Car theft is a growing issue in Oregon’s major cities, especially near universities. In 2023, the Honda Civic, Kia Soul, Hyundai Elantra, and Honda Accord were among the most stolen vehicles. Installing anti-theft devices, alarms, or tracking systems can earn discounts and protect against theft.

Vehicle Safety Modifications

Oregon’s winters bring icy roads and snowy conditions, increasing accident risks. Since Oregon is a fault state, drivers found at fault are responsible for damages. Adding safety features can reduce risks and lower premiums:

• Anti-lock brakes: Average savings of about 4% per policy
• Airbags and daytime running lights: Often rewarded with additional discounts

Choosing Between Used And New Cars

While new cars may seem safer and more fuel-efficient, insurers often charge higher premiums due to costly repairs and replacements. A reliable used car is usually cheaper to insure, making it a more budget-friendly option for college students.

Affiliation Discounts

Membership in fraternities, sororities, alumni associations, or other campus organizations can unlock discounts from certain insurers. These affiliation-based savings may be small but can add up when combined with other discounts.

How To Buy Car Insurance As A College Student In Oregon

Buying your first car insurance policy in Oregon can feel overwhelming, but online comparison platforms make the process much easier. By preparing ahead of time and following a clear set of steps, you can secure affordable coverage that meets state requirements.

Step 1: Understand Oregon’s Coverage Requirements

Oregon law requires drivers to carry minimum liability coverage:

• $25,000 for bodily injury per person
• $50,000 for bodily injury per accident
• $20,000 for property damage

In addition, Oregon mandates:

• Uninsured/underinsured motorist coverage (to protect you if the other driver lacks insurance)
• Personal injury protection (PIP) (covers medical expenses and lost wages after an accident)

Beyond these requirements, you may choose optional protections such as:

• Comprehensive coverage (non-collision damage like theft or weather)
• Collision coverage (repairs after an accident)
• Roadside assistance
• Rental car reimbursement

Step 2: Gather Your Information

Before comparing quotes, collect the details insurers will need:

• Vehicle identification number (VIN), make, and model
• Driver’s license number
• Driving history
• Personal information for all policyholders

Step 3: Compare Policies

Use platforms like Insuranceopedia to input your information once and receive multiple quotes. Rates in Oregon depend on factors such as age, driving history, and ZIP code. While comparing, check for available discounts—such as good student, low mileage, or safety feature discounts—that can reduce your premium.

Step 4: Purchase Coverage

Once you’ve selected the best plan, you can buy coverage online, over the phone, or in person with an agent. After paying your first premium, you’ll receive proof of insurance and your card to keep in your vehicle. If you’re switching providers, notify your old insurer to avoid billing overlaps.

Do College Students Need Their Own Insurance, Or Can They Stay On A Parent’s?

In Oregon, whether a college student needs their own car insurance or can remain on a parent’s plan depends on two main factors: residence and vehicle ownership.

Where You Call Home

Students who continue to list their parents’ home as their permanent address can usually remain on a parent’s policy. This applies even if you temporarily live in a dorm or student housing while attending college. However, once you move out permanently and establish your own residence, insurers generally require you to purchase a separate policy.

Who Owns the Car

Ownership also plays a key role. If the vehicle is titled solely in your name, you’ll need to carry your own insurance policy. By contrast, if the car is titled in your parent’s name—or jointly titled—you can typically remain covered under their plan.

Oregon Car Insurance Laws to Know

Oregon law requires that drivers maintain three types of coverage:

1. Bodily injury and property damage liability at $25,000 per person, $50,000 per accident, and 20,000 for property damage
2. Personal injury protection valued at $15,000 per person
3. 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

* These figures are estimates based on general market trends, and they may differ from your actual rate.