Cheap car Insurance in Oregon has put together expert tips and quote comparisons to help you find affordable car insurance in Oregon.

Oregon is a state of environmental contrasts where you can find snow-peaked mountains, sweeping river canyons, green valleys, a rugged coastline, and fertile fields.

Whether you’re driving along the blue-green waters of the Pacific Ocean, or taking a trip to a forest or mountain lake—you will need to have car insurance.

The average cost of minimum liability auto insurance in Oregon is $363.00 per month, but rates vary on an individual basis, depending on:

  • The individual’s driving history.
  • Credit rating.
  • Marital status.
  • Age.
  • Gender.
  • Vehicle type.
  • Insurance provider.
  • Location within the state.
  • Coverage type.
  • Set deductible.

Beaver State Cruising: Updates & Insurance Insights for Oregon 2024

Get ready to explore rugged coastlines, lush forests, and vibrant cities in Oregon with these key updates for drivers in 2024

Oregon Vehicle Code Changes:

  • No major code changes implemented in 2024: Existing laws regarding distracted driving, speeding, and other critical regulations remain in effect. (Source: Oregon Revised Statutes Chapter 811)
  • Continued focus on pedestrian and cyclist safety: Increased enforcement of crosswalk laws and other initiatives remain ongoing. Stay updated through the Oregon Department of Transportation. (Source: Oregon Department of Transportation)
  • Expansion of electric vehicle (EV) incentives: Increased tax credits and other benefits available for purchasing and using electric vehicles. See the Oregon Department of Energy website for details. (Source: Oregon Department of Energy)

Remember: These are just highlights, and other changes may apply. Visit the Oregon Department of Motor Vehicles website for complete information. (Source: Oregon Department of Motor Vehicles)

Average Auto Insurance Rates in Oregon (2024):

(Sources: The Zebra, ValuePenguin)


Full Coverage

Minimum Coverage

State Farm












Liberty Mutual



Remember: Individual rates in Oregon can vary significantly based on driving history, location, vehicle type, and desired coverage. Consider factors like the mandatory 25/50/20 liability coverage limit when comparing options.

To help you find the best deals on car insurance in the state, we’ve compared quotes from car insurers in these Oregon counties:

  • Multnomah County.
  • Washington County.
  • Clackamas County.
  • Lane County.
  • Marion County.

To save you even more time, we’ve compared quotes from these car insurers:

  • Mile Auto.
  • Liberty Mutual.
  • Dairyland.
  • Bristol West.
  • The General.

Because the cost of car insurance is dependent on your individual driving profile, we’ve gone a step further and compared the cost of Oregon auto insurance for these types of drivers:

  • Good drivers (those with a clean driving record).
  • Young drivers (those aged between 16-25).
  • Bad drivers (those with a history of traffic violations).

Minimum Liability Insurance in Oregon

Minimum liability car insurance is also referred to as state minimum auto insurance or minimum coverage car insurance.

It’s an insurance policy that provides financial protection for a driver who harms someone else or their property while operating a vehicle.

Liability insurance only covers injuries or damages to third parties and their property. The driver’s injuries or property damages can be separately covered by other parts of their policy.

Failing to carry the minimum coverage auto insurance required by your state can lead to expensive fines, and you could be held personally liable if you cause an accident.

The low coverage limits of minimum liability insurance could end up costing you more in the long run if you are the cause of an accident.

It may be worthwhile to compare the difference in price between minimum liability insurance and full coverage insurance.

Key Point: What Is Full Coverage Car Insurance?

Full coverage car insurance is made up of three different types of car insurance policies:

  • Comprehensive coverage: This type of insurance will compensate you if your car is damaged or totaled due to something other than a collision, such as fire, theft, vandalism, natural disasters, and falling objects.
  • Collision coverage: This type of auto insurance will compensate you if your car is totaled or damaged in a car accident.
  • Liability insurance: This type of insurance covers you for damage you may cause to another person’s property or injury/death you may cause while driving.

Although each U.S. state has different minimum liability insurance requirements, it always includes the following:

  • Bodily injury liability coverage per person: This covers medical bills, legal fees, or lost wages you might be required to pay to an individual third party.
  • Bodily injury liability coverage per accident: This is the maximum amount your insurer will pay out for medical bills, legal fees, or lost wages in the event of an accident, regardless of how many people are injured.
  • Property damage liability coverage per accident: This is the maximum amount your insurer will pay out for repairs or a replacement if you cause damage to another person’s property.

In Oregon, the minimum coverage requirements are:

  • $25,000 per person bodily injury liability.
  • 50,000 per accident bodily injury liability.
  • $20,000 per accident property damage.
  • $15,000 personal injury protection.
  • $25,000 per person uninsured motorist coverage.
  • $50,000 per accident uninsured motorist coverage.

All drivers in Oregon have to meet these liability requirements.

If you’re found to be at-fault in a car accident and do not meet the minimum liability insurance requirements, you will be held personally responsible for paying the other party’s medical bills, legal bills, and lost wages.

Drivers in Oregon who settle for minimum coverage insurance are likely to pay the lowest car premiums.

However, most insurance companies recommend that drivers purchase more coverage than the minimum requirement.

Car accidents can be expensive and the state minimum coverage might not cover a driver’s full financial responsibility in the event of an accident.

Drivers in Oregon are also required to carry personal injury protection (PIP) coverage, which pays out for medical expenses regardless of who caused the accident.

You can purchase higher levels of coverage, but the minimum level of personal injury protection pays for:

  • Up to $10,000 of medical expenses per person in an accident.
  • 85% of lost wages due to the injury (with a maximum of $200 per week).

Key Point: What Does PIP Cover?

Personal injury protection, also known as no-fault insurance, covers medical expenses and lost wages for you and your passengers if you’re injured in an accident.

PIP coverage protects you regardless of who caused the accident. Depending on the state you live in, you may be covered for:

  • Medical bills for you and those covered on your policy.
  • Lost wages if you or your passengers are injured and can’t work.
  • Disability and rehab costs.
  • Death benefit (paid to your family if you’re in a fatal car accident).

We have found that on average, the cost of a minimum liability car insurance policy in Oregon is $363.00 per month.

Mile Auto offers the cheapest auto insurance rates for minimum liability coverage, which on average costs $66.00 per month.

Cheapest Minimum Liability Car Insurance in Oregon

ProviderMultnomah CountyWashington CountyClackamas CountyLane CountyMarion CountyAverage
Mile Auto$74.00$65.00$67.00$56.00$68.00$66.00
Liberty Mutual$246.00$65.00$222.00$178.00$218.00$185.80
Bristol West$404.00$346.00$414.00$280.00$320.00$352.80
The General$363.00$402.00$363.00$287.00$387.00$360.40

Find Cheap Comprehensive Car Insurance in Oregon

Full coverage auto insurance is optional. It’s worth considering unless you have savings that can cover the following types of damage to your vehicle:

  • Theft or theft of parts.
  • Non-crash damage (e.g., natural disasters, fire, flooding).
  • Broken windshield.
  • Car damage from hitting an animal.

Without comprehensive car insurance, you risk finding yourself in a situation where you can’t drive your car because you can’t afford to get it repaired.

To help you find the cheapest full coverage car insurance in Oregon, we’ve compared the rates offered by three insurers.

We’ve found that the cheapest comprehensive car insurer in Oregon is Mile Auto with average rates of $68.00 per month.

Cheapest Full Coverage Insurance in Oregon

ProviderMultnomah CountyWashington CountyClackamas CountyLane CountyMarion CountyAverage
Mile Auto$76.00$68.00$69.00$57.00$70.00$68.00
Liberty Mutual$329.00$291.00$295.00$228.00$285.00$285.60
Bristol West$508.00$437.00$520.00$346.00$402.00$442.60

Cheap Car Insurance in Oregon for Drivers with Clean Driving Records

Good drivers (drivers with a clean driving record) are in a good position to find cheap car insurance. Car insurance companies consider good drivers to be people who:

  • Have not been the cause of any car accidents.
  • Have committed no traffic offenses.
  • Have a good credit score.
  • Have no speeding tickets.
  • Have no reckless driving charges.
  • Have no DUI convictions.

As an incentive, many car insurance companies offer a good driver discount on your car insurance rates, saving you more money.

Some car insurance companies will offer an additional discount if you have completed an accredited defensive driving course.

These courses teach a variety of skills and strategies to handle difficult situations on the road, as well as educate drivers on state traffic laws.

Insurers believe completing such a course could lead to safer driving habits and result in fewer insurance claims.

We’ve looked at the average car insurance rates offered by car insurance companies in Oregon for good drivers.

The cheapest car insurance company for good drivers is Mile Auto with average rates of $68.00 per month.

Cheapest Car Insurance for Good Drivers in Oregon

ProviderMultnomah CountyWashington CountyClackamas CountyLane CountyMarion CountyAverage
Mile Auto$76.00$68.00$69.00$57.00$70.00$68.00
Liberty Mutual$280.00$251.00$252.00$199.00$246.00$245.60
Bristol West$451.00$385.00$461.00$311.00$356.00$392.80

Cheap Car Insurance in Oregon for High-Risk Drivers

Drivers with incidents on their record—such as an at-fault accident or a DUI (driving under the influence) citation—tend to pay higher insurance rates.

The reason for this is that insurance companies believe these drivers are more likely to make future claims against their auto insurance policy.

Some of the offenses that may lead to someone being considered a high-risk driver include:

  • Receiving a DUI conviction.
  • Reckless driving.
  • Speeding tickets.
  • Being found at-fault in a major accident.
  • Having too many points on your driving record.
  • Driving without meeting the minimum liability coverage requirements.
  • Unpaid child support payments.
  • Unpaid insurance policy premiums.
  • A poor credit rating.

Cheap auto insurance in Oregon with bad credit

Your credit score affects your risk profile in most states, even though it has nothing to do with your ability to drive safely.

Drivers with a poor credit score are seen as being more of a risk and they often pay more for their insurance policies.

Insurance companies regard drivers’ credit scores as a measure of their level of responsibility.

A good credit rating indicates that the driver manages his or her personal finances well and is likely to drive well, too.

We’ve done the hard work of comparing quotes from various insurers in Oregon to help you find the best rate.

  • The most affordable auto insurance company for high-risk drivers is Liberty Mutual with average rates of $217.40 per month.
  • The most expensive car insurance in Oregon for high-risk drivers is Dairyland with average rates of $1,504.40 per month.

Cheapest Auto Insurance for Bad Drivers in Oregon

ProviderMultnomah CountyWashington CountyClackamas CountyLane CountyMarion CountyAverage
Liberty Mutual$246.00$223.00$222.00$178.00$218.00$217.40
Bristol West$404.00$346.00$414.00$280.00$320.00$352.80
The General$526.00$582.00$526.00$415.00$559.00$521.60

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 they’re 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 policy—though it is much cheaper—could ultimately cost more if a teen gets into a serious accident, because they have to pay for repairs out of pocket.

We’ve 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 Car Insurance for Young Drivers in Oregon

ProviderMultnomah CountyWashington CountyClackamas CountyLane CountyMarion CountyAverage
Mile Auto$154.00$137.00$142.00$113.00$139.00$137.00
Bristol West$625.00$589.00$635.00$425.00$483.00$551.40
The General$529.00$524.00$529.00$423.00$559.00$512.80

Need Cheap Car Insurance in Other States?

Out-of-state insurance is illegal in almost all U.S. states and is considered to be insurance fraud.

This means that your car insurance must be registered in the state you live in. Some of the penalties for committing insurance fraud include:

  • Up to five years in prison.
  • A $50,000 fine.

If you plan to move from Oregon, you will need to find a new car insurance company in the state you move to.

You will usually have a 90-day grace period to cancel your car insurance and get car insurance in your new state.

To find the best insurance rates in other U.S. states, read our articles below:

Top Tips for Finding Affordable Car Insurance

Take note of lender requirements

If your car is financed or leased, your lender is likely to require that you have liability insurance, comprehensive coverage, and collision insurance.

Many car dealerships won’t let you drive the car off the lot until you can prove you have full coverage car insurance.

Full coverage car insurance protects your lender if you’re in a car accident or your car is stolen, and you can no longer afford to meet your monthly payments.

If you lose your required insurance coverage, your lender could add single-interest insurance to your loan in order to protect themselves.

You should avoid allowing your car insurance to lapse, because single-interest car insurance is much more expensive than standard car insurance.

Compare quotes from different car insurance companies

Even if you think you’ve found a good deal on car insurance, it’s always a good idea to shop around for a lower rate.

You can do this yourself, but going through an insurance agent can save you time and money.

The only way to be completely certain that you’re getting the best rates on your car insurance is to compare quotes from multiple insurers.

You’ll need to phone each car insurance company or fill out an online form for them to give you a quote.

Let us help you find the best deal instead! All you need to do is enter your zip code at the top of this page to start your free quote.

Top Car Insurance Companies in Oregon

Mile Auto

Mile Auto is a per-mile insurance option, so your rates are based on the number of miles you drive every month.

If you drive less, your monthly premium will go down and if you drive more, your bill will increase.

Mile Auto is a great option for people who drive short distances every month.

If your driving habits are inconsistent or unpredictable, it will be difficult to keep track of your monthly car insurance expenses.

In such an instance, an insurance company that offers a flat rate may be better for you. Mile Auto offers the following insurance policies and benefits:

  • Full coverage car insurance (comprehensive insurance, collision insurance, liability insurance).
  • Rental car reimbursement.
  • Roadside assistance.
  • Personalized deductibles.
  • Storage insurance (coverage for your car when it’s not being driven).

The General

The General is an auto insurance provider that operates in multiple states across the U.S.

The company was originally founded in 1963 and specializes in car insurance coverage for high-risk drivers.

The General Automobile is a subsidiary of PGC Holdings Corporation (PGC), which is an affiliate of American Family Insurance.

PGC has been writing automobile insurance in many states throughout the country for nearly 60 years.

Get a free quote by entering your zip code at the top of this page to find the best deal for your needs and budget.

Cheap Car Insurance Oregon FAQs

Is Oregon a no-fault accident state?

Oregon is an “at-fault” car accident state, which means that drivers are financially responsible for any accident they cause.

However, the resulting costs will typically be covered under your car insurance policy.

If you don’t have insurance, the other driver can file a lawsuit against you to get you to cover the cost of their injuries and damages.

How much is car insurance in Oregon?

The average cost of minimum liability car insurance in Oregon is $369.72 per month.

But keep in mind that what you pay for car insurance will depend on your age, gender, driving record, credit score, and other factors in your unique driving profile.

What is the average cost of car insurance in Oregon?

Every insurer has their own way of calculating premiums, so it’s a good idea to get quotes from at least three different companies to make sure you find the best deal.

We found that the average cost of minimum liability car insurance in Oregon is $363.00 per month.

What car insurance discounts are available in Oregon?

You can get car insurance discounts in Oregon based on how you drive, the car you own, and your relationship with your insurance company.

In Oregon, car insurance companies consider factors such as employment, credit rating, residential, and marital status when setting premiums.

Is it illegal to drive without insurance in Oregon?

Yes, it is illegal to drive without insurance in Oregon.

If you’re caught driving without auto insurance, you’ll temporarily lose your driving privileges and could receive a fine of between $130 and $1,000.

A convicted driver will also be prohibited from obtaining a driver’s license for at least 180 days.

What Is the Best Way to Find Cheap Car Insurance in Oregon?

To find the cheapest car insurance rates in Oregon, we recommend comparing insurance quotes from multiple companies.

This can be a time-consuming process, but we’ve done the hard work for you by comparing the cheapest car insurance companies to provide you with the most affordable deal.

All you need to do is enter your zip code at the top of this page to start your free quote.

Insurance In Oregon

Oregon is a state that has it all, from large cities to rural areas to beaches to mountains. It’s a diverse state with an artsy feel. Oregon is also unique in that it is one of just two states (New Jersey is the other) that prohibits drivers from pumping their own gas at gas stations. 

While you don’t need to pump your own gas in Oregon, you do need to get insurance for your vehicle. When it comes to finding insurance, though, locking in the best price possible can be a challenge. 

Researching car insurance can take a lot of time. The good news is that CheapInsurance can help you compare car insurance providers throughout the state.

Quick Oregon Car Insurance Facts

  • Oregon has a minimum coverage requirement known as the 25/50/20 rule.
  • Full car insurance coverage in the state costs an average of $1,346 per year. 
  • Minimum liability in the state costs an average of $610 per year.
  • The rate of uninsured drivers in Oregon is 12.7%.
  • Oregon is a fault state.

Minimum Oregon Car Insurance Coverage

The Oregon Driver & Motor Vehicle Services website has up-to-date information about car insurance requirements in the state. Drivers in Oregon must carry at least the following auto insurance coverages:

  • Property damage: $20,000 per incident
  • Bodily injury/death: $25,000 per person and $50,000 per incident

Getting Cheap Car Insurance In Oregon

Looking to save money on car insurance? Here are some ways to get cheap car insurance in Oregon:

  1. Compare car insurance providers. There are many comparison sites like  CheapInsurance that can help you get quotes from multiple companies based on the information you provide.
  2. Only get the coverage you need. If your car is older and you don’t drive it often, then you may not need full coverage. Talk to your agent about getting just the minimum coverage.
  3. Bundle your insurance. Many auto insurance companies provide homeowners insurance, renters insurance, and life insurance as well. If you are considering these coverages, use the same insurance company and save money.

Oregon Car Insurance Discounts

Car insurance coverage is required in Oregon, but it can be costly. Here are some discounts to discuss with your agent: 

  • Good Driver: You can save up to 30% if you have had no moving violations or accidents within the past three years. 
  • Good Student: Full-time students under the age of 25 who have at least a B average can save up to 20%.
  • Defensive Driving: If you are at least 55 years old and have completed a Motor Vehicle Accident Prevention Course, you may be eligible for a discount.
  • Vehicle Safety: If you own a newer vehicle with airbags, anti-lock brakes, and other safety features, you could receive a discount.
Get the insurance you deserve by talking with a broker today.


What is the average car insurance cost in Oregon?

Full coverage in Oregon costs around $1,346 per year.

How much is car insurance per month in Oregon?

Car insurance costs roughly $112 per month.

What is the average car insurance cost in Oregon?

If you are caught driving without insurance in Oregon, your license and registration will be suspended. You will have to pay up to $1,000 in fines as well as reinstatement fees.

What is the average car insurance cost in Oregon?

Oregon is known as one of the safest states to drive in, as the motorists tend to drive slower than average. However, driving (and parking) in the larger cities and downtown areas can be a bit more challenging. Approximately 12.7% of drivers are uninsured, which is right around the national average.

How can I save money on my car insurance policy in Oregon?

Here are a few ways to save money on your policy: 

  • If you have multiple vehicles, ask about multi-car discounts.  
  • Use autopay and other online features if they offer discounts.
  • Choose higher deductibles for comprehensive and collision coverage can lower your premium.

Other Types of Coverage

If you live in Oregon, you may want to consider these car insurance coverages:

  • Uninsured Motorist Coverage (UMC)/Underinsured Motorist coverage (UIM): This coverage protects you in the event you are in an accident with a motorist who is underinsured or not insured at all.
  • Medical Payments Coverage
  • Physical Damage Coverage: This typically includes collision and comprehensive coverage. Coverage pays for damages caused by collisions as well as theft, vandalism, and animals. 
  • Additional kinds of coverage 
  • Endorsements and Riders
    • Towing and road service: This pays for services related to breakdowns, such as towing, gas, flat tires, and jump-starts. 
    • Rental car reimbursement: This coverage reimburses rental car expenses when your vehicle is inoperable due to an accident.
    • Gap insurance: This coverage pays the difference between what you owe on your vehicle and what it’s worth.