Cheapest Car Insurance, Oregon 2025: A Comprehensive Guide

Discover the cheapest car insurance options in Oregon with our in-depth 2025 guide. Learn how factors like age, driving history, and credit score influence your premiums, and find the best insurance providers tailored to your needs. Compare rates and secure affordable coverage today.

Finding the cheapest car insurance in Oregon requires understanding that premiums can vary widely based on multiple factors. From age and driving history to credit score and geographic location, understanding how these elements affect your car insurance costs can help you make better financial decisions.

This guide is an in-depth exploration of the best cheap car insurance Oregon has to offer, tailored to different driver profiles.

Cheapest Auto Insurance, Oregon by Coverage Level

Several insurance companies offer affordable rates to Oregon drivers. Based on extensive research from reputable sources, the following companies are the top options for 2025 by coverage level.

1. USAA

USAA is widely known for its exceptional customer service and competitive rates. While USAA is only available to current and former military members and their families, it consistently ranks highly in terms of affordability and customer satisfaction.

In Oregon, USAA offers the lowest price for minimum coverage. Their sample rate for state minimum insurance is $566 per year.

2. Travelers

As a major auto insurer, Travelers holds a very strong financial position. For minimum coverage, Travelers offers an average premium of $569 per year.

3. Oregon Mutual

Oregon Mutual is one of the most affordable car insurance companies in the state, especially for minimum coverage. An adult driver can get a premium as low as $584, which is far below the state average of $795.

4. Country Financial

Country Financial is another strong option providing cheap auto insurance in Oregon. They offer minimum coverage for around $643. This makes Country Financial a particularly attractive option for drivers seeking affordable coverage.

Source: Best Cheap Car Insurance in Oregon for 2025 (US News)

Cheapest Auto Insurance, Oregon: Based on Driver’s Age

Cheapest Auto Insurance for Teen Drivers

Teen drivers in Oregon face higher rates because of their lack of driving experience. However, some companies offer competitive rates as follows to help you save money:

Source: Best Cheap Car Insurance in Oregon for 2025 (US News)

Country Financial has the lowest average rates for teenage drivers in Oregon. Their prices are more than $2,800 below the state average. For female teens, Mutual of Enumclaw is the second-cheapest option. And for male teens, Auto-Owners is the second-cheapest.

Cheapest Car Insurance Rates for Young Adult Drivers (25-Year-Olds)

Young adults in Oregon, particularly those 25 and older, tend to have lower insurance premiums than teenagers, as they often have more driving experience. Therefore, many insurance companies offer competitive rates to drivers in this age group. Some of the best include:

1. Kemper

For 25-year-old drivers, Kemper provides some of the lowest rates, at approximately $110 per month. This is considerably low for young adults, compared to the statewide average of $170.

2. Travelers

Travelers is another excellent option for young drivers, offering one of the cheapest Oregon car insurance coverage policies at $112 per month. This rate is slightly above what Kemper offers, making it a good alternative.

Source: Best Cheap Car Insurance in Oregon for 2025 (US News)

Cheap Car Insurance, Oregon for Adult Drivers

Drivers who are 40 are often in the ‘best spot’ for low insurance rates. They have extensive driving experience, meaning a lower likelihood of getting into accidents and filing claims. Therefore, insurers offer low premiums to these drivers. Some of the top insurance companies for this age group are:

1. Oregon Mutual

This company offers average rates that are more than $600 lower than the state averages for female and male 40-year-old drivers in Oregon. At $945 annually for females and $1,011 per year for males, Oregon Mutual is an ideal option for cheap insurance.

2. Kemper

Kemper is another good option for drivers in this category. At $1,103 for females and $1,083 for males, their rates are more than $500 less than the state average.

Source: Best Cheap Car Insurance in Oregon for 2025 (US News)

Cheapest Car Insurance for Senior Drivers

Senior drivers in Oregon, particularly those aged 60 and above, can also find lower insurance premiums by choosing the right provider. As drivers age, they may become eligible for various discounts that can help reduce their premiums. Some insurers to consider for affordable rates for senior drivers include:

1. Oregon Mutual

Oregon Mutual offers some of the lowest rates for senior drivers, with an average annual premium of $892. This makes Oregon Mutual a top choice for seniors looking for affordable coverage.

2. Kemper

Kemper is another excellent option for senior drivers, offering coverage at an average cost of $961. These competitive rates make Kemper a viable option for seniors seeking coverage at a reasonable price.

Source: Best Cheap Car Insurance in Oregon for 2025 (US News)

Cheapest Car Insurance in Oregon After a Speeding Ticket

A speeding ticket makes you a higher-risk driver. Your auto insurance premium is bound to increase. The average annual rate in Oregon for a driver with one speeding ticket is $2,261. However, some companies offer much lower rates. This is why comparing quotes is important. Some insurers to consider for the cheapest rates after a speeding ticket are:

1. Oregon Mutual

Oregon Mutual offers the lowest rates for Oregon drivers who have received a speeding ticket, with an average premium of $1,221. This rate is notably lower than the state average for drivers with similar violations, making Oregon Mutual a good choice for those looking to minimize the financial impact of a speeding ticket.

2. Kemper

Kemper is another viable option for drivers with speeding tickets. They offer coverage at an average rate of $1,499, which, while higher than Oregon Mutual, is still competitive compared to the overall market.

Source: Best Cheap Car Insurance in Oregon for 2025 (US News)

Cheapest Auto Insurance, Oregon: After a DUI

A DUI conviction is a serious offense that can dramatically increase your car insurance premiums. The average annual insurance rate for a driver with one DUI in the Beaver state is $2,924. However, some insurers offer more competitive rates for high-risk drivers who have a DUI on their record. They include:

1. State Farm

State Farm offers the lowest rates for a driver with one DUI, with an average annual premium of $1,820. This rate is significantly lower than what many other insurers offer for drivers with a DUI, making State Farm a top choice for those looking to reduce their costs.

2. Travelers

Travelers also offers competitive rates for drivers with a DUI, with an average annual rate of $1,824. This amount is only a few dollars more than State Farm, making it a relatively affordable option compared to the premiums charged by other insurers for Oregon drivers with a DUI.

Source: Best Cheap Car Insurance in Oregon for 2025 (US News)

Cheapest Oregon Car Insurance for Drivers with Poor Credit

Many insurers review your credit to create an insurance score. This score helps them set your premium. Because of this, drivers with poor credit often face higher car insurance premiums. But some insurers offer more competitive rates for these high-risk customers. They include:

1. Oregon Mutual

Oregon Mutual offers the lowest rates for drivers with poor credit, with a sample annual premium of $1,578. This is $165 less than the state average. Similarly, for drivers with good credit, Oregon Mutual is the cheapest insurance company.

2. Travelers

Travelers is another excellent option for drivers with poor credit, with premiums averaging $2,028 annually. Although higher than Oregon Mutual, Travelers' rates are still competitive when compared to other insurers that charge significantly more for drivers with lower credit scores.

Source: Best Cheap Car Insurance in Oregon for 2025 (US News)

How Much Car Insurance Do I Need in Oregon?

Oregon law requires drivers to have the following minimum insurance for their motor vehicles:

• Property Damage Liability Insurance: $20,000 per accident. It pays for damage you cause to someone else's property in an at-fault accident. This includes the cost to repair or replace another person's car. It also covers damage to structures, such as buildings, homes, or fences, as well as other property, including mailboxes or utility poles.
• Bodily Injury Liability: $25,000 per person/$50,000 per accident. In Oregon, this coverage pays for the other person's injuries and property damage after an accident you cause. It also pays your legal fees if someone takes you to court over the crash.
• Uninsured Motorist Coverage: $25,000 per person/$50,000 per accident. It pays for your injuries after an accident with a driver who has no insurance.
• Personal injury protection (PIP): $15,000 per person. It covers medical costs for you and your passengers, regardless of who is at fault for the car accident. It also covers lost wages and other related expenses.

Oregon drivers should always consider buying higher-than-minimum limits. The minimum required coverage is often not enough. Therefore, choosing higher limits gives you much better financial protection, especially in a serious accident.

Additional/Optional Car Insurance Coverage in Oregon

You can purchase many additional coverage options beyond the state's minimum requirements. Here are a few key coverages to consider for your policy:

1. Rental Car Reimbursement

Rental car reimbursement covers the cost of a rental car. You receive it while your own car is in the shop for repairs due to a covered claim.

2. Roadside Assistance

This coverage provides help on the road. It includes towing, fuel delivery if you run out of gas, and lock-out service. The exact help you get depends on your insurance company.

3. Collision Coverage

No state demands collision coverage, but a lender in Oregon will require it. It pays to repair your car after you've hit another vehicle or an object, such as a guardrail.

4. Comprehensive Coverage

Comprehensive coverage provides protection against damage that is not caused by a crash. It includes events like theft, fire, flooding, and vandalism. Your lender will often require you to have this coverage.

5. Gap Insurance

If your car is totaled or stolen, gap insurance pays the difference between what you still owe on your loan and the car's actual cash value.

6. Accident Forgiveness

This benefit stops your auto insurance premium from going up after your first at-fault accident. It is beneficial for teen drivers, since they have limited driving experience.

Key Factors Influencing Oregon Car Insurance Rates

There are multiple factors that shape Oregon auto insurance. Currently, the state's average annual cost of car insurance sits at approximately $1,743, which is lower than the average cost of car insurance in the U.S. However, individual circumstances can lead to significantly higher or lower rates. They include:

1. Age and Driving Experience

Age and driving experience are important in determining auto insurance premiums. Younger drivers, particularly those under the age of 25, are more likely to be involved in accidents, which makes them a higher risk for insurers. As a result, young drivers often face much higher insurance rates.

For example, a 17-year-old driver in Oregon can expect to pay around $210 per month. However, premiums decrease as drivers age and gain more experience, with rates starting to drop after age 25.

2. Driving Record

Your driving record can have a very high impact on your car insurance premium. A clean driving record with no accidents or traffic violations often means lower premiums. In contrast, one speeding ticket or an accident as the at-fault driver can lead to a large increase in your insurance costs.

3. Credit Score

Insurers often use your credit history to assess the risk of insuring you. In Oregon, drivers with poor credit will pay much higher premiums than those with good credit. It’s because companies see people with low credit scores as a higher risk to insure than those with good credit.

Therefore, drivers with lower credit scores should shop around and compare quotes from multiple companies to find the cheapest Oregon car insurance.

4. Location

Where you live in Oregon also plays a role in determining your insurance premiums. Urban areas, such as Portland, tend to have higher rates due to factors like higher crime rates and a greater likelihood of accidents. On the other hand, rural areas often have lower premiums because of reduced traffic density and lower crime rates.

Frequently Asked Questions

What is the Cheapest Car Insurance in Oregon?

Cheap car insurance often depends on several factors, such as driving history and driver profile. Therefore, the cheapest auto insurance in Oregon differs for each driver. For example, the cheapest for teens is Country Financial, while that for drivers with one DUI is State Farm.

How Much is the Average Car Insurance per Month in Oregon?

The average cost of auto insurance in the state is approximately $145 per month. But some people can pay less than this rate. Cheap auto insurance, Oregon is available to drivers at various levels based on factors such as age and credit score.

What are the Main Factors That Influence Car Insurance Premiums in Oregon?

Factors such as age, driving history, credit score, and geographic location influence car insurance premiums in Oregon. Young drivers and those with poor credit or a history of traffic violations typically face higher premiums. On the other hand, good drivers and those with good credit get lower premiums. Additionally, other factors, such as living in urban areas like Portland, can lead to higher rates due to increased traffic and a higher risk of accidents.

How Can Young Drivers in Oregon Find Affordable Car Insurance?

Young drivers in Oregon can find affordable car insurance by shopping around and comparing rates from different providers. Companies like Country Financial and Kemper Insurance offer good rates for young drivers, with minimum and full coverage policies. Taking advantage of any available discounts, such as good student discounts, can also help reduce costs for young drivers.

What Should I Do If I Have a Poor Driving Record and Need Car Insurance in Oregon?

If you have a poor driving record, you should compare quotes from multiple insurers to find cheap auto insurance in Oregon. Insurers like State Farm and Oregon Mutual offer relatively lower premiums for drivers with speeding tickets or DUIs. Additionally, improving your driving habits and maintaining a clean record over time can help lower your premiums.

Is it Possible to Get Affordable Car Insurance in Oregon with a Poor Credit Score?

Yes, it’s possible to get affordable car insurance in Oregon with a poor credit score. Insurers like Oregon Mutual and Travelers offer competitive rates for drivers with poor credit. It’s important to compare quotes from multiple providers and consider working on improving your credit score to qualify for lower premiums in the future.

Which Insurance Companies Offer the Best Rates for Senior Drivers in Oregon?

Senior drivers can find the cheapest auto insurance Oregon has to offer with companies like Oregon Mutual and Kemper. These insurers offer competitive premiums for full coverage, making them top choices for seniors seeking affordable and comprehensive protection.