Cheapest Cities In Oregon For Minimum Coverage
Your ZIP code can significantly influence how much you pay for car insurance premiums. This is why when moving to a new location is an excellent time to shop your car insurance rates, since your new ZIP code could be more or less expensive if you want to maintain the most amount of coverage for the best cost.
In the table below, you can see which cities in Oregon have the cheapest average premiums for minimum coverage car insurance:
Cheapest Minimum Coverage Car Insurance In Oregon For 20
Drivers in Oregon who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:
QBE: $655 per year, or about $55 per month.
Travelers: $783 per year, or about $65 per month.
CIG: $860 per year, or about $72 per month.
Geico: $861 per year, or about $72 per month.
State Farm: $865 per year, or about $72 per month.
Compare Car Insurance Rates By Oregon Cities
The area you live in is one of the main factors that determine how much or how little you pay for car insurance. If your area has a high auto theft rate, you may pay more. If there is very little traffic on your way to work, you may end up paying less. To help you see how rates vary from city to city, check out our rate comparison table below.
Click on the name of each city in the table above to find detailed breakdowns on all the factors that go into calculating your monthly premium. Here, youll find all the information you need on how things like driving record, age, gender, vehicle make and model, and more will affect how much you pay for car insurance in each locality.
And if you want to jump right in and see how much youll pay, simply enter your ZIP code below and find your best rate in minutes!
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Cheapest Car Insurance In Oregon For Drivers With Bad Credit
Having a bad credit score results in a higher car insurance rate in Oregon. The annual average cost for drivers with poor credit in the state is $1,531 for full coverage, while the average rate for drivers with good credit is $1,064 annually.
On average, the cheapest car insurance companies for Oregon drivers with bad credit and full coverage are:
- GEICO: $1,260 per year
- Country Financial: $1,419 per year
If you qualify for USAA due to a military affiliation, its $1,156 average annual rate is the most affordable for Oregon drivers with bad credit.
CHEAPEST CAR INSURANCE RATES FOR DRIVERS WITH BAD CREDIT
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Car insurance companies set a premium by looking at risk factors like your credit history a lower can increase your costs. According to Experian, Oregon has one of the highest average credit score ratings in the country at 718.
To protect consumers, Oregon placed limits on the impact credit scores can have on your auto insurance rates. One example is that insurers cannot use credit ratings to cancel policies or increase a premium at renewal, but can use credit information for a new policy.
Individuals with bad credit may save money by shopping around. In Oregon, GEICO has the cheapest full coverage premium , while Farmers offers the most expensive rate .
Cheapest Car Insurance Companies In Oregon
State Farm, USAA, Progressive and Pemco are the cheapest car insurance companies in Oregon. Each of these companies provides affordable car insurance and an array of coverage options for drivers.
|Cheapest Oregon Car Insurance Companies
*Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in Oregon.
Since car insurance companies have different calculation methods for premiums, no two car insurance quotes are the same. For this reason, we recommend comparing car insurance quotes from multiple providers to find the cheapest car insurance in Oregon.
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How Are The Road Infrastructure And Bridges In Portland
Portland, Oregon, roads and infrastructure are constantly being revised. As of this writing, Multnomah County has several projects underway, such as the 238th Drive Improvement Project that focuses on the development of new passing lanes and shared paths for walking and biking.
Many other Portland infrastructure projects focus on developing neighborhood greenways, improving pedestrian/bicycle lanes/bus stops, and upgrading curb ramps to adhere to ADA standards.
Cheapest For Drivers With Poor Credit
COUNTRY Financial also stands out for drivers with poor credit. Its average annual premium of $1,812 for these drivers is much lower than the state average of $2,762.
Here are a few other insurers that offer decent Oregon auto insurance rates to drivers with bad credit:
- Oregon Mutual Insurance, where these drivers pay about $2,038 per year
- Geico, where drivers with poor credit pay about $2,078 per year on average
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Cheapest Car Insurance In Oregon For Young Drivers
Insurers tend to charge young drivers higher rates because they have less experience behind the wheel.
Teens get into accidents more often than adult drivers, so theyre more likely to benefit from having repairs on their car covered.
A full coverage policy is recommended for teen drivers if they can afford it.
A minimum coverage policythough it is much cheapercould ultimately cost more if a teen gets into a serious accident, because they have to pay for repairs out of pocket.
Weve compared the cost of car insurance for young drivers to help you save on auto insurance costs.
The cheapest car insurance for young drivers is offered by Mile Auto at $137.00 per month.
Cheapest Full Coverage In Oregon
Full coverage car insurance policies consist of comprehensive and collision insurance. It protects against accidents, theft, vandalism, and natural disasters.
Ideally, full coverage means you have insurance thats appropriate for your income, assets, and risk profile. Lenders require full coverage from those who finance their cars.
The table below shows the average annual rates from major insurance providers in Oregon, ranked cheapest to expensive for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident, and $100,000 for property damage, with comprehensive and collision coverage, and a $500 deductible.
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How Much Does Car Insurance Cost In Oregon
Proprietary Insurify data found that the average cost of car insurance in Oregon is $235 per month, which is comparable to the national average of $233 per month. Oregon is the 32nd-cheapest state for purchasing car insurance. Car insurance in the state is cheaper than rates in Nevada but more expensive than Washington.
Costs fluctuate in Oregon and other states frequently, which makes comparison shopping at the time of policy renewal important. For example, between July 2021 and July 2022, average rates in Oregon increased by 26%. As insurance companies continue to react to industry conditions and supply chain changes, some providers might announce changes to their premiums.
Least Expensive Vehicles For Insurance In Oregon
With the right car you can potentially save money on car insurance. In Oregon, the Subaru Crosstrek, Subaru Forester 2.5i and Jeep Wrangler JL Sport are among the cheapest vehicles for insurance, based on average rates for 50 top-selling 2021 models. The 20 least expensive are below.
The most expensive cars for insurance in Oregon among popular models are the Tesla Model S Performance and Lexus ES 300H .
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How Are Car Insurance Annual Rates Calculated In Oregon
When searching and comparing quotes from the best auto insurance companies in Oregon, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. You can always ask what strict guidelines they follow, should you be truly curious. Among the factors that car insurers consider are:
- Your driving record
- How much you drive
- Your cars make, model and year
- Your credit history
- Amount of car insurance coverage
One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?
Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to payout. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, drivers simply wouldn’t be able to afford the raised rates that are based on how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course, the at-fault driver may see a larger increase.
Which Company Offers The Cheapest Car Insurance In Oregon
On average, State Farm provides the cheapest auto insurance in Oregon at about $381 per month.
The cheapest option may vary based on your unique situation. For example, Nationwide has the lowest premiums for teens and those with bad credit.
State Farm remains the top insurer for young adults, seniors, drivers with severe violations and those with a military background.
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Sr22 Insurance In Oregon
SR22 isnt a form of insurance but a certificate that an insurer has to fill out and send to the nearest DMV after a severe violation. It shows that your auto insurance policy carries adequate limits. You need an SR22 form after violations like driving under the influence or inflicting bodily injury in an at-fault accident.
Once you enter the program, the government tracks your driving record, and after a certain period, you can switch to regular insurance. Typically, that period is three years in Oregon. Nonetheless, depending on the nature of your violation, the period may vary. Its always smart to contact the Oregon Department of Motor Vehicles for the exact details.
How We Chose The Cheapest Companies In Oregon
NerdWallets editorial team analyzed car insurance rates from 18 auto insurers in Oregon and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Oregon. For full coverage, we used the below 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 coverage per person.
$300,000 uninsured motorist coverage per accident.
Collision coverage with a $1,000 deductible.
Comprehensive coverage with a $1,000 deductible.
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Find Out If Comprehensive And Collision Coverage Are Right For You
Most lenders will require comprehensive coverage and collision coverage if you lease or finance your car. But even if you aren’t required to carry them, these coverages are good to have in case your car is ever damaged or stolen. If you ever file a claim, all you’d need to pay is your deductible, rather than the repair bill.
See all available auto insurance coverages from Progressive.
Thinking about switching car insurance? Drivers nationwide who switch and save with us save over $650 per year on average.* Get your personalized car insurance quote now.
Does Insurance Follow The Car Or The Driver In Oregon
In Oregon, liability car insurance policies usually follow the vehicle rather than the driver. For example, if you let your friend or family member borrow your car and they get into an accident, your insurance should cover the damages. If the damage exceeds your policy limits, however, their policy may apply and pay for the difference in some cases.
Auto insurance providers may handle these claims differently, but most car insurance companies will allow the coverage to follow the car rather than the driver. That said, if the person who borrowed your car is unlicensed, your coverage may not apply. And the unlicensed driver will face legal and financial consequences.
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How To Find The Best Car Insurance In Oregon
Although car insurance rates in Oregon are not excessively high, there are ways to save money and get a cheaper premium. Here are some ideas for finding low-cost and best car insurance:
- Improve your credit score: If you have a bad credit score, your auto insurance rate will certainly be high. Even by a few points, raising your credit score can help you qualify for a cheaper interest rate.
- Pay your premium in whole: If you can afford the out-of-pocket cost, paying your annual premium in full can help you get a lower rate.
- Take a defensive driving course: Most insurance companies will discount you if you take a defensive driving or driver safety course.
- Raise your deductible: Lower your monthly premium by increasing your deductible. Ensure that you can afford a greater deductible if you need to file a claim.
- Change your car insurance company: You can switch carriers at any time throughout your policy duration if you find a better bargain with another insurance company.
Average Cost Of Car Insurance In Oregon By City
The cheapest car insurance quote in Oregon can be found in La Grande, a city in the northeastern corner of the state, for $131 per month.
Drivers in the Portland suburb of Maywood Park pay the highest rate in the state, $204 per month.
Auto insurance quotes in Oregon vary by $73 per month for a full-coverage policy, depending on where you live.
|Personal injury protection
Oregon is unique in that it is not a no-fault state, but it does require drivers to carry personal injury protection insurance as part of its minimum-coverage requirements.
While your car insurance policy may meet Oregon’s minimum requirements, it might not offer enough protection for many drivers.
We recommend most Oregon drivers purchase higher liability coverage limits. If you are in an expensive accident, minimum coverage may not be enough to cover all of the damage, and you may have to pay out of pocket.
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Best Car Insurance Companies In Oregon
State Farm is our pick for the best insurance in Oregon for most drivers based on its reputation for great customer service, affordable quotes and availability.
Some Oregon drivers can also take advantage of great service and cheap rates from USAA. However, car insurance from USAA is only available to current and former military members, as well as some military family members, so most people don’t qualify.
Cheapest Oregon Car Insurance Companies For Teens
Inexperienced drivers often pay higher insurance rates than drivers in their 30s and 40s because young drivers are more likely to cause an accident. In Oregon, an 18-year-old driver can expect to pay three times more for car insurance than a 30-year-old.
If you’ve already compared car insurance from multiple companies and still find the costs unaffordable, there are several options you can look at.
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How Do You Get Sr
Receiving orders to submit SR-22 insurance every month can feel stressful, but the process is simple. If you already have insurance, you can contact a representative from your company to find out how much it will cost for them to file your SR-22 insurance.
For drivers looking for new insurance, you should include that you need SR-22 insurance when you request a quote. Your rates will likely be higher, but having SR-22 insurance will keep you legal on the road.
In some situations, you might need your license reinstated but no longer have a car. Getting your license reinstated requires SR-22 insurance in Oregon, but it can be tricky to get without a car. In this situation, you should consider non-owner car insurance.
Non-owner car insurance gives you coverage when you occasionally drive someone elses car. Its usually much cheaper than what standard auto insurance insurance companies offer, and youll be able to file SR-22 certification with the DMV.
Oregon Car Insurance State Minimums
Helps cover expenses related to the injury or death of another driver or a pedestrian when an accident is your fault.
$15,000 limit per person/$30,000 limit per accident
Helps cover expenses related to the damage of another person’s property like vehicles, homes, buildings and other structures when an accident is your fault.
Helps cover your medical expenses if you’re in an accident, the other driver is at fault and doesn’t have any insurance.
Helps cover your medical expenses if you’re in an accident, the other driver is at fault and doesn’t have enough liability insurance.
|Grouped with uninsured motorist coverage
If you and/or your passengers are hurt in an accident, this helps cover medical or funeral expenses.
Helps cover expenses to repair or replace your vehicle that’s been damaged in an accident.
Helps cover expenses to repair or replace your vehicle that’s been stolen or damaged by things like storms or vandalism.
All coverages are subject to the coverage limits stated in your policy.
¹Although Oregon law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.
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