$40/mo
$54/mo
$57/mo
The car insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com.
The car owners in Oregon pays on an average of $880 for six months for car insurance, which is more than the national average. Kemper offers cheap and the best rates in Oregon.
Kemper offers the cheapest liability coverage in Oregon at $40/month; thus making it an attractive option for drivers looking to save money.
Read about the cheapest liability coverage companies in Oregon ↓
Kemper provides cheap full insurance coverage in Oregon at $66/month, offering excellent value.
Read about the cheapest full coverage companies in Oregon ↓
Kemper is the cheapest option after an at-fault accident in Oregon at $52 per month.
Read more about best car insurance companies after at-fault accident in Oregon ↓
Kemper was named the best overall by J.D. Power and AM Best, making it a top pick among Oregon’s best car insurers.
Check out the full list of the best car insurance companies in Oregon ↓For drivers looking to meet Oregon minimum car insurance requirements, liability-only insurance is the most budget-friendly choice. Cheap liability car insurance in Oregon is widely available from providers like Kemper at $40/month. If you opt for Allstate you will have to pay at least $149/month for your car insurance premium, which is the highest in Oregon.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $238 | $40 |
| Capital Insurance Group | $315 | $54 |
| State Farm | $339 | $57 |
| USAA | $339 | $57 |
| American Family | $356 | $60 |
| Travelers | $356 | $60 |
| Progressive | $362 | $61 |
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others. As per our analysis Kemper offers the cheapest car insurance for full coverage in Oregon at $66 per month. On the other hand Allstate offers the most expensive rate at $282 per month.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $386 | $66 |
| Capital Insurance Group | $612 | $102 |
| American Family | $677 | $114 |
| Travelers | $760 | $128 |
| Progressive | $778 | $131 |
| Encompass | $808 | $135 |
| USAA | $832 | $140 |
Get Your Car Insurance Quote in Oregon Instantly!
Kemper stands out as the best car insurance provider in Oregon, thanks to its affordable premiums, extensive discounts, and strong customer satisfaction ratings from sources like J.D. Power and AM Best. With a robust range of coverage options, American Family is a top pick for drivers seeking value and reliability.
Kemper offers a six-month premium of $309, which amounts to approximately $53 per month. This provides a competitive and affordable option for those looking for budget-friendly car insurance.
The average premium of American Family is $404, which is higher than Kemper's by $95. Their higher monthly premium is, due to their strict policies on traffic violations.
Country Financial's premium is $451, which is significantly more expensive than American Family's by $47. Their monthly premium is higher due to their strict policies on DUI infractions.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $309 | $53 |
| American Family | $404 | $67 |
| Country Financial | $451 | $77 |
| Capital Insurance Group | $463 | $77 |
| Travelers | $469 | $79 |
| Nationwide | $481 | $80 |
| Farmers | $535 | $91 |
Teens and young drivers in Oregon often face high
car insurance rates, especially those aged 16 to 19. This is because inexperienced
drivers pose a higher risk. The average cost for teens in Oregon is
$2354 for 6 months, which is more than the national average.
Kemper is the best options for cheap
car insurance for young drivers in Oregon.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $220 | $37 |
| Capital Insurance Group | $374 | $62 |
| Country Financial | $1236 | $208 |
| USAA | $1313 | $221 |
| Travelers | $1331 | $224 |
| State Farm | $1574 | $265 |
| American Family | $1942 | $327 |
Car insurance rates in Oregon have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Oregon rose by $199 in Jan compared to $192 of Dec. In other words, there has been an increase by $7 when you compare Jan and Dec.
The average liability insurance cost in the Oregon remained steady at $199 in both Jan and Dec, indicating no change over the two-month period.
Your driving history significantly impacts your car insurance premiums. Insurance companies assess past at-fault accidents to gauge risk and adjust rates accordingly. Through our research we found that Kemper gives you the cheapest car insurance rate after an at-fault accident in Oregon at $52/month. On the other hand Allstate is the most expensive option at $446/month for an at-fault accident.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $315 | $52 |
| Capital Insurance Group | $374 | $64 |
| Capital | $422 | $70 |
| Encompass | $469 | $80 |
| State Farm | $642 | $108 |
| Travelers | $713 | $120 |
| USAA | $754 | $127 |
If you are living in Oregon you should opt for Kemper. Kemper ranks as number 1 across various factors like customer satisfaction, claims and rates.
In Oregon, your Auto insurance premiums can rise
significantly due to traffic violations. The extent of the increase depends on factors
such as the violation type, local regulations, and the insurer's policies. Minor
offenses like speeding might cause a small increase, while more serious violations, such
as DUIs, can lead to much higher rates. Additionally, the effect on premiums in
Oregon may differ from the national average due to regional risks and rules.
Here’s a breakdown of average car insurance rates in Oregon after
common driving violations.
| Accident/Violation | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| None | $838 | $140 |
| One Med/PIP claim | $838 | $142 |
| Not-at-fault accident | $867 | $145 |
| One comp claim | $885 | $150 |
| Two Med/PIP claims | $897 | $149 |
| Failure to wear a seat belt | $956 | $163 |
| Two comp claims | $980 | $163 |
Driving under the influence is a serious offense. A DUI history classifies you as a high-risk driver, increasing your annual insurance premium. Premiums after a DUI can vary significantly between insurance providers. According to our findings, one of the cheapest car insurances in Oregon is Capital Insurance Group at $74 per month. Nationwide at $397 per month is the most expensive provider.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Capital Insurance Group | $434 | $74 |
| Kemper | $535 | $89 |
| Progressive | $665 | $112 |
| Travelers | $855 | $144 |
| State Farm | $897 | $151 |
| American Family | $1004 | $169 |
| USAA | $1117 | $188 |
An SR-22 is a certificate of financial responsibility required by the state for high-risk drivers. It verifies that the driver carries the minimum liability insurance coverage mandated by law. The SR-22 is typically needed after violations like DUI or a serious traffic offense.
Contact your current insurance provider and ask them to file an SR-22. Not all companies offer this service, so you might need to switch providers.
You'll need to purchase a new insurance policy. Some insurers specialize in helping high-risk drivers and can file the SR-22 for you.
A non-owner car insurance policy is your best option. It covers liability and fulfills the SR-22 requirement at a lower cost since it doesn't insure a specific vehicle.
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Eugene | $933 | $157 |
| Bend | $1075 | $181 |
| Salem | $1087 | $183 |
| Hillsboro | $1093 | $184 |
| Baker City | $1206 | $201 |
| Dunes City | $1218 | $207 |
| Florence | $1218 | $203 |
| La Grande | $1218 | $207 |
| Port Orford | $1218 | $203 |
| Gold Beach | $1224 | $208 |
| Millersburg | $1224 | $204 |
| Albany | $1230 | $209 |
