Cheapest Car Insurance Portland Oregon – Image: Illustration of a license plate with the shape of the state of Oregon in the center with license plate type text that reads “ALL SEA”
Can you save on car insurance in Oregon? The average cost of car insurance varies based on individual conditions such as credit score, age, driving history and vehicle. We’ve looked at average rates for several different driver profiles and found some of the cheapest auto insurers in the Beaver State.
Cheapest Car Insurance Portland Oregon
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The Cheapest Car Insurance In Oregon (september ’23)
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Our Editor’s Note: Maybe you’re looking for car insurance for the first time or want to shop around to lower your monthly premium? This article can be a starting point for your car insurance research. There are many factors when it comes to the cost of car insurance, so even if you don’t see the exact premiums we researched, they can give you an idea of some of the insurers that offer the cheapest rates in your state.
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Whether you’re driving along the Oregon coast or into downtown Portland, if you’re an Oregon driver, you need to make sure your car is protected with the right insurance.
We evaluated the average cost of basic auto insurance at several Oregon insurance companies and determined which insurer offers the cheapest estimated rates with minimum coverage for several needs and driver profiles.
We’ve done our calculations on a relatively neutral driver profile – someone with no accidents, tickets or claims, for example – so we can compare evenly and get a rough idea of insurer prices (see our full methodology). Depending on your driving history and other factors that affect car insurance, such as age, mileage, vehicle type and coverage options, your rates may be higher or lower.
Average monthly premiums for car insurance in Oregon range from $60 to $120, depending on coverage and driver profile.
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Read on to learn about the five cheapest insurance companies in Oregon. To get the best idea of the minimum car insurance cost for the average driver, we’ve based our calculations on Oregon’s specific driver profile, as detailed in our methodology.
Unless otherwise noted, our Oregon drivers are 36-45 years old, have a credit score of 680 to 719, no tickets or gaps in coverage, and drive a vehicle valued at $20,000-$30,000. Your rates may vary, but don’t worry – we’ve also looked at the cheapest car insurance companies with different credit prospects, ages and coverage options.
The cheapest car insurance in our Oregon driver profile is USAA, which offers car insurance for just $39.17 a month with minimal coverage. To qualify for USAA auto insurance, you’ll need a current membership for members of the US military and their spouses and children. USAA offers a variety of coverage options and a number of potential discounts. It also has the SafePilot program, which rewards drivers who record safe driving behaviors.
Our Oregon driver profile can see auto insurance from State Farm for about $40.63 per month for basic coverage. In addition to collision and comprehensive insurance, State Farm offers rental insurance, driver insurance and roadside assistance. Drivers can save on their premiums by driving safely or using certain safety features.
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Our Oregon driver profile with Geico can pay $41.10 a month for car insurance. In addition to the minimum coverage, Geico customers have access to a wide range of coverage options. In addition, Geico offers opportunities to combine policies, maintain a safe driving record, and install various safety features and save on premiums for a good student, federal employee, or military member. The Geico mobile app allows customers to manage their policies, pay bills, request roadside assistance, rate photos and more. allows.
Oregon Mutual offers auto insurance through independent agents and can offer auto insurance with a basic Oregon driver profile for $44.42 per month. Oregon Mutual has been offering personal, commercial and farm insurance (even insuring wineries) for over 125 years. Customers also have access to 24/7 towing, roadside assistance and a network of approved workshops for assessments and repairs.
Like Oregon Mutual, Country sells insurance through independent agents. Our Oregon driver profile can pay $44.72 per month for minimum cross-country coverage. Country offers all the standard collision cover options, comprehensive and uninsured motorist insurance options, plus extras including emergency road services cover, car hire and trip interruption cover, personal effects cover, protective glass and The Keeper, which covers the full value of your new car. if he gets into an accident. Loyalty, driver and safety discounts are also available, and Country has additional discounts and programs specifically for teenagers.
If you insure an older car or are simply looking for ways to lower the cost of your premium, you can buy insurance at the state minimum. Sometimes called liability-only insurance, this is often the cheapest insurance you can buy because it offers the amount of coverage required by the state to legally drive your vehicle.
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Insurers consider many aspects of personal information when determining insurance costs. One of these factors is your credit: In general, people with good credit pay less for car insurance than those with poorer credit scores.
The following companies have the lowest estimated rates for drivers with good credit looking for basic auto insurance.
Adjusted to show Oregon driver rates with a credit score of 720 or higher based on our standard driver profile.
If your credit isn’t great, you may see a higher monthly car insurance premium. Fortunately, there are other ways to lower the cost of your insurance, such as maintaining a safe driving record or combining multiple policies.
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Here are five of the cheapest Oregon car insurance companies with a credit score below 580 looking for minimum coverage.
Adjusted to show rates for an Oregon driver with a credit score below 580 based on our standard driver profile.
Your claim history is another factor that determines how much you will pay for car insurance. In general, drivers with several claims on their record will pay less or more for car insurance than those with no claims.
Adjusted to show rates for a Michigan driver with two claims instead of zero claims based on our standard driver profile
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Finally, your age can play a role in how much you pay for car insurance, with younger drivers typically costing more to insure than older drivers.
Here are five of the cheapest insurers for drivers ages 18-21 looking for basic auto insurance in Oregon.
Adjusted to show rates for Oregon drivers ages 18-21, not 36-45, based on our standard driver profile.
Oregon drivers are required to carry $25,000 per person and $50,000 per accident involving bodily injury and uninsured motorists. It also requires $20,000 per accident for property damage insurance and $15,000 per person for personal injury insurance, or PIP. If you have a car loan or lease, you may be responsible for carrying additional insurance.
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Usage-based insurance, or UBI, is auto insurance that allows customers to pay premiums based on their driving behavior. Oregon drivers can save on car insurance premiums by using their insurer’s usage-based insurance program.
Oregon is not a true no-fault state – it requires drivers to carry what’s called personal injury protection, PIP, and sometimes no-fault insurance. PIP covers medical, dental and other services for you and your passengers regardless of who caused the accident.
There are many ways to lower your car insurance costs, such as bundling multiple policies or vehicles with one insurer or reducing your coverage, especially for older cars. One of the best ways to save on insurance is to maintain a safe driving record, and you can save even more money by participating in a usage-based insurance program.
Approximate rates for this article
