Oregon Car Insurance Minimum Coverage, Cost Saving Ideas to Lower your Premium, & Insurers offering the lowest rate in the Most Populous Cities

If you are looking for Oregon cheap car insurance then you have landed in the right place.

I will explain what the minimum requirements are for auto insurance, the average amount, any fines or penalties for not having insurance, and the lowest premium price in major cities across the state.

Oregon minimum liability cover is 25,000/50,000/20,000 for bodily injury liability and property damage liability which are broken down as follows:

Coverage	Oregon Minimum Liability Coverage	Recommended Coverage
Bodily Injury Protection	$25,000 / $50,000	$100,000 / $300,000
Property Damage	$20,000	$50,000
Personal Injury Protection	$15,000	$50,000
Uninsured / Underinsured Motorist BIL	25,000 / 50,000	$50,000 / $100,000
Comprehensive Coverage	N/A	$500 deductible
Collision Coverage	N/A	$500 deductible

Bodily Injury Liability

Covers doctor’s expenses for the other driver and their passengers when the insured driver is at-fault for the accident.

Under the minimum coverage, bodily injury liability will pay up to $25,000 for one individual and up to $50,000 for injuries to all people concerned in the accident.

Property Damage Liability

Covers expenses for the other driver’s vehicle and any other private and public property, such as guard rails and traffic signs damaged in the accident.

With minimum liability insurance, the insurance firm will pay up to $10,000 for repairs.

Note: To find affordable car insurance in Oregon we compared quotes from 21 companies. For a 25 and 45 year old driver we found that Country, Ameriprise, and Progressive had the most affordable insurance rates. The higher priced insurance firms are well worth getting an insurance quote from too.

Cheapest Auto Insurance Companies in Oregon

When I queried for quotes in the state of Oregon the cheapest insurers are Country Financial, Ameriprise, and Progressive. However, each of the carriers are for the average.

When you query for quotes from each it is determined by your location. Therefore one insurer could be cheaper than the other and vice-a-versa when you narrow it down to one specific city.

On average, the biggest carriers are going to be lower in price. Then again, and a lot of the time, local more tailored carriers can offer you a lower price. As you will see in the tables below when I queried for a specific city such as Eugene.

Oregon Company	25 Y/O Driver	30 Y/O Driver	45 Y/O Driver	55 Y/O Driver
Country	$1,045	$908	$765	$504
Ameriprise	$1,054	$912	$789	$499
Progressive	$1,065	$915	$754	$498
21st Century	$1,109	$921	$785	$505
Mutual of Enumclaw	$1,156	$922	$799	$521
Travelers	$1,137	$945	$812	$545
USAA	$1,154	$967	$811	$576
Farmers	$1,198	$987	$822	$580
Oregon Mutual	$1,129	$1,008	$843	$590
GEICO	$1,209	$1,021	$813	$545
Grange	$1,210	$1,022	$845	$565
Nationwide	$1,244	$1,024	$865	$587
MetLife	$1,267	$1,080	$923	$588
Liberty Mutual	$1,256	$1,125	$943	$604
American Family	$1,356	$1,187	$976	$612
Sentry	$1,408	$1,208	$1,007	$623
Hartford	$1,540	$1,221	$1,009	$643
Encompass	$1,578	$1,243	$1,017	$654
Chubb	$1,627	$1,365	$1,167	$676
Amica	$1,852	$1,521	$1,234	$721
Allstate	$1,558	$1,214	$1,008	$676

Note: The dollar figure represents the average insurance rate for a 45 year old single male driver for a 12 month premium with full coverage.

Personal Injury Protection

Although Oregon is not a no-fault state it requires drivers to carry Personal Injury Protection for the vehicles. PIP insurance will help pay for loss of wages, death benefits, and medical expenses for up to one year no matter who is at-fault during the accident.

Note: This chart illustrates the 2nd list (with higher prices) of insurance companies in Oregon. The figures represent a 25 year old female with full coverage for a 12 month period.

The minimum amount PIP insurance is $15,000. The state also requires all motorists to carry Uninsured Motorist Protection or (UM). The minimum amount is $25,000 per person and $50,000 per crash.

UM will cover medical expenses or a “hit and run” auto accident with another driver who does not have or has unacceptable insurance coverage.

Note: As illustrated, this is the list of auto insurance companies in the table. The amount represents a 12 month premium with full coverage in the State of Oregon.

Comprehensive & Collision

If you have a newer model vehicle it is recommend to get comprehensive coverage which will pay for the damages if the vehicle is stolen, any broken glass or window damage, or any other “non-collision” type of accident.

The average deductible in the state of OR is only $100, however it is important to realize the higher your deductible the lower your monthly premium.

On the other hand, if the damage to the vehicle is $2000 you will be required to pay the deductible first.

Therefore, if your deductible is $500 then you pay it first and the insurer will pay the other $1500.

With a low deductible, such as $100 you pay that amount and the insurer will cover the rest of the damages or, in this example, $1900.

Discounts in Oregon

Below the chart illustrates the top car insurance discounts in the State of Oregon.

Most discounts are a negligible amount off an auto insurance premium.

If you combined any or all of the discounts your lowered rate could be as much as 20 percent or more.

The average cover per driver in the state of Oregon:

• Bodily Injury Liability – 100,000/300,000

• Property Damage Liability – 50,000

• Personal Injury Protection – $15,000

• Uninsured Motorist Protection – 100,000/300,000

• Comprehensive Coverage – $100 deductible

• Collision Coverage – $500 deductible

Fines And Penalties – Driving w/o insurance:

• Automatic suspension of your license

• Fines, penalties, and court costs which will be hundreds of dollars

• Your vehicle will be towed – average cost is $150.00

• When convicted you are required to file an SR-22 with DMV

• Driving w/o insurance during an accident – automatic suspension of your license for one year.

It is important to note the state of Oregon’s compliance system will randomly select vehicles and will ask the owner to provide proof of insurance.

Then you are required to give the name of the firm and the policy number. If you do not respond or have proper “proof” your license will be suspended.

Best Insurers by Written Premiums, Rate Change, and Consumer Rating

Below is the consumer rating of each insurer in Oregon. Included in the table is the amount of written premiums, rate change over a 12 to 18 month period, and the number of complaints.

The rate change is normal for each insurer and you shouldn’t be alarmed. This is normal. When you get a driving violation, of course, the rate change can be significantly higher.

The number of complaints are from average reviews for each insurer taken from online sources.

The average rating is from JD Power & Associates, AM Best, and other reputable online sources.

Your best option to keep your rates low, no matter the carrier, you should maintain a good driving record free from violations.

Company	Direct Written Premiums	Rate Change > 18 Months	# of Complaints	Consumer Rating out of 5 Stars
State Farm	$438,144,321	+3.3%	31	4.3
Unitrin	$11,021,543	+3.9%	48	4.4
Travelers	$21,658,743	+3.2%	18	4.4
USAA	$43,544,054	+2.7%	22	4.6
Liberty Mutual	$32,834,143	+2.8%	3	4.4
Allstate	$109,325,543	+2.9%	11	4.2
Country Financial	$32,465,676	+2.9%	5	4.1
Progressive	$209,215,472	+3.5%	36	4.2
Mutual of Enumclaw	$12,564,965	+3.6%	3	3.8
California Casualty	$9,337,366	+4.1%	1	4.2
Nationwide	$22,641,547	+2.9%	27	4.2
Oregon Automobile	$1,335,657	+3.7%	4	3.9
American Family	$32,445,478	+2.9%	15	4.0
GEICO	$87,325,676	+3.7%	15	3.8
Oregon Mutual	$19,432,675	+2.9%	3	3.8
Safeco	$65,022,458	+3.7%	26	4.2

Average Premium by City in Oregon

Below is a list of the average rate for various cities in Oregon. If your rate is significantly higher you should look into your driving history, credit, or any other factor which may cause you to have a higher premium.

If you want detailed quotes for major cities please read further below.

To determine who had the best auto insurance rates on a local level, we ranked annual rates from 8 companies in Portland, Eugene, Salem, and other cities. Ten of the biggest cities in the State of Oregon.

The three providers with the lowest rates were determined to have the best rates. Country, Progressive, and Ameriprise for each of the cities had the lowest rates.  

Your best option is to get at least 5 insurance quotes from different carriers. The dollar figure below represents that average of quotes for a 30 year old single female driver, full coverage, and 12 month premium. Unless otherwise stated in the table or chart. 

Portland

Portland Company	Average Annual Rate	Percentage Difference from State Avg
Country	$989	24%
Ameriprise	$1,008	23%
Progressive	$1,009	23%
21st Century	$1,032	23%
Mutual of Enumclaw	$1,056	22%
Travelers	$1,087	21%
USAA	$1,098	21%
Farmers	$1,112	21%
Oregon Mutual	$1,129	19%

If you aren’t getting a low rate in Portland your probably looking in the wrong place.

When I queried for quotes the cheapest are with Country Financial, Ameriprise, and Progressive. Each queried at $989, $1,008, and $1,009 for a 30 year old driver with full coverage. Which is 23% to 24% lower than than the statewide average premium.

A 45 year old can find low quotes with the same three carriers including 21st Century and Mutual of Enumclaw. In fact, a 30 year old should get quotes from all five carriers to find the lowest premium.

Out of the 9 insurers queried all of them were at least 19% lower than the “mean” quote in the city of Portland.

Portland is the largest city in the state with 600,00+ residents and nearly 3 million in the metropolitan area. Founded in 1845 and incorporated as city in 1851 it was named after Portland, Maine.

Today Portland has a thriving cultural scene, outstanding natural beauty, world-class dining and some of the best public transportation in the nation. The beginning of the 20th century brought secure lumber mill jobs and money from the California Gold Rush, stabilizing the economy.

Where once a seedy waterfront stood, today Portland’s pedestrian-friendly downtown and limits on growth have made it a comfortable place to live.

Eugene

Eugene Company	Average Annual Rate	Percentage Difference from State Avg
Country	$1,056	22%
Ameriprise	$1,078	22%
Progressive	$1,123	21%
21st Century	$1,157	20%
Mutual of Enumclaw	$1,234	18%
Travelers	$1,245	18%
USAA	$1,247	18%
Farmers	$1,267	18%
Oregon Mutual	$1,287	17%

To get the cheapest rate in Eugene then start with Country Financial, Amerprise, and Progressive. I queried each at $1,056, $1,078, and $1,123 for a 30 year old driver with full coverage. Which is 21% to 22% lower than the average premium against the state “mean” quote.

A 45 year old can find low quotes with all three mentioned plus Mutual of Enumclaw and Travelers. Giving you 5 carriers to get low quotes from to find the most savings.

With quotes clustering between $1,056 and $1,287 all  are at least 17% lower than any direct competitors.

The beginning of one of the most popular shoes, Nike, got its start in Eugene, Oregon. Today, it is the 2nd largest city in the state with 165,000 residents.

Founded in 1846, Eugene is known for its very active and informed citizenry and this has lead to numerous community development projects that have served as models for cities around the country. It still carries on the legacy that was started back in the 1970s when the city was full of co-operative and community projects.

Eugene is full of quaint coffee shops and natural food stores surrounded by the Cascade Mountains and the Oregon coast making it one of the most livable cities around.

Salem

Salem Company	Average Annual Rate	Percentage Difference from State Avg
Country	$1,054	22%
Ameriprise	$1,079	22%
Progressive	$1,115	21%
21st Century	$1,115	21%
Mutual of Enumclaw	$1,165	20%
Travelers	$1,187	20%
USAA	$1,195	20%
Farmers	$1,208	19%
Oregon Mutual	$1,269	19%

To get the cheapest premium in Salem then start with Country Financial, Ameriprise, and Progressive. All three were queried at $1,054, $1,079, and $1,115 respectfully for a 30 year old driver per year. Which is approximately 22% lower than the statewide average premium for a comparable driver with a similar profile.

A 45 year old can find low quotes with the same three carriers plus Travelers and 21st Century. Both insurers are at least 20% lower than the “mean” rate in the city of Salem.

With the quotes clustering between $1,054 and $1,269 all of them are least 19% lower for a 30 year old driver and over 21% lower for a 45 year old.

In fact, getting quotes from all carriers illustrated would be smart to find the most savings.

Salem is the capital of Oregon and the principal city in the metropolitan area with over 155,000 residents making it the 3rd largest city in the state. It is the oldest city founded in 1842 and became the capital of the Oregon Territory (not a state at the time) in 1851. 

One of Salem’s premier cultural events is the annual Salem Art Fair & Festival. A July tradition for over half a century, the celebration set among historic oak trees in Bush’s Pasture Park is the largest art festival of its kind in the state and one of the most spirited community-driven events in the Northwest.

Another premiere city event is the annual World Beat Festival. Held in June, the two-day celebration at Riverfront Park features music, food, international crafts, and includes a Dragon Boat race.

Gresham

The cheapest carriers in Gresham are Country Financial, Ameriprise, and Progressive. Each queried at $1,054, $1,079, and $1,115 for a 30 year old driver. Which is 22% lower than the “mean” rate within the city of Gresham.

All the quotes clustering between $1,054 and $1,165 are at least 20% lower than the average quote. Making it a good decision to get quotes from all insurers illustrated.

A 45 year old can find low quotes with Country Financial, Ameriprise, and Progressive. I queried each at $780, $798, $812 respectfully. Which is 24% lower than the citywide average quote. All the quotes clustered between $780 and $843. Which are 22% lower than the Gresham “mean” quote. Making it smart to get quotes from all illustrated in the graph.

Gresham Company	30 Y/O	45 Y/O
Country	$1,054	$780
Ameriprise	$1,079	$798
Progressive	$1,115	$812
21st Century	$1,115	$814
Mutual of Enumclaw	$1,165	$843
Travelers	$1,187	$854
USAA	$1,195	$876
Farmers	$1,208	$870
Oregon Mutual	$1,269	$902

The 4th largest city in Oregon is Gresham with 110,000 residents. Gresham was incorporated as city in 1905 with less than 500 people. 

There are numerous parks in Gresham with beautiful scenery and breathtaking views, such as Main City Park, located near downtown Gresham. Other parks include East Gresham Park, Red Sunset Park, and Clatsop Butte Park, an upland butte located south of Powell Butte, which lies between Portland and Gresham.

Other public points of interest are the Gresham Arts Plaza, Gresham Pioneer Cemetery, established in 1859 and the Plaza del Sol.

Gresham has a neat historic downtown area which includes attractive tree lined streets and quaint “hometown feel” restaurants and shops

Hillsboro

If you don’t have an inexpensive premium in Hillsboro your probably getting quotes in the wrong place. Start with Progressive, Grange, and Mutual Enumclaw. I queried each at $1,121, $1,145, and $1,176 for a 30 year old driver per year. Which is 23% lower than the average policyholder in Hillsboro.

A 45 year old can get low quotes with Progressive, Grange, and Mutual of Enumclaw. Each queried at $712, $721, and $743 respectfully for full coverage. Which is 24% lower than the Hillsboro average premium.

In fact, it would be smart to get quotes from all carriers illustrated to maximize savings with optimum coverage.

Hillsboro Company	30 Y/O	45 Y/O
Progressive	$1,121	$712
Grange	$1,145	$721
Mutual of Enumclaw	$1,176	$743
Country	$1,213	$787
Oregon Mutual	$1,245	$804
Ameriprise	$1,265	$823
Travelers	$1,300	$845
USAA	$1,311	$878
Farmers	$1,326	$890

Hillsboro is the 5th largest city in the state with 91,000 residents. Known as “Silicon Forest” since Intel and Sun Microsystems have a large presence in Hillsboro on the west side of Portland.

Founded in 1842 with a few pioneers and David Hill was one of them. Later the city was named in his honor. Beginning in 1867 riverboats offered transportation to Hillsboro along the Tualatin River.

In 1871 the Oregon and California Railroad arrived. The city was incorporated in 1876. In 1908 the Oregon Electric Railway began providing transportation to Portland.

Today, Hillsboro is a vibrate family-friendly city attracting technology businesses from across the nation.

Beaverton

If you want to get the lower rate in Beaverton start with Mutual Enumclaw, Progressive, and Oregon Mutual. Each were queried at $1,087, $1,098, and $1,121 for a 30 year old driver per year. Which is 23% lower than the citywide premium in Beaverton. Grange and Country Financial are 21% lower than the average quote making them excellent contenders.

A 45 year old can find low quotes with Mutual of Enumclaw, Progressive, and Oregon Mutual. Each were queried at $690, $710, and $722 respectfully for full coverage. Which is 25% lower than the citywide “mean” quote. Of all the carriers illustrated including Grange and Country Financial are at least 22% lower than the average policyholder of similar age and profile.

Beaverton Company	30 Y/O	45 Y/O
Mutual of Enumclaw	$1,087	$690
Progressive	$1,098	$710
Oregon Mutual	$1,121	$722
Grange	$1,144	$734
Country	$1,137	$765
Ameriprise	$1,176	$789
Travelers	$1,231	$790
USAA	$1,254	$825
Farmers	$1,276	$854

Home to Nike is the city of Beaverton. Incorporated as city in 1893 with less than 200 people, today, it has nearly 90,000 residents making the city of Beaverton the 6th largest in the state.

The city is known for its light rail system connecting to Portland which is 7 miles away. Popular with locals and tourists it the Cooper Mountain and Ponzi Vineyards. The region is known for its Pinot Noir grape production.

More than 100 beautiful parks provide the city with a vast amount of sprawling green landscapes. Hiking trails and bicycle paths traverse through the city.

Beaverton was ranked as the “best places to live” among the smaller cities in the nation by Money Magazine.

Bend

If you are in market for cheap car insurance in Bend then start with Mutual of Enumclaw, Grange, and USAA. I queried each at $990, $1,008, and $1,011 for a 30 year old driver.

Which is 26% lower than the citywide premium. Progressive and Oregon Mutual are 24% to 25% lower than the “mean” rate making them worth getting quotes from.

A 45 year old can find inexpensive quotes with Mutual of Enumclaw and Grange. Each were queried at $687 and $698 respectfully for full coverage. Or more than 26% lower than the citywide premium rate of current policyholders.

It would be smart for any age driver to get quotes from all carriers illustrated for the most savings.

Bend Company	30 Y/O	45 Y/O
Mutual of Enumclaw	$990	$687
Grange	$1,008	$698
USAA	$1,011	$703
Progressive	$1,043	$743
Oregon Mutual	$1,076	$765
Country	$1,090	$787
Ameriprise	$1,143	$800
Travelers	$1,156	$812
Farmers	$1,187	$832

In the early days of Bend, Oregon it was known as a logging town with very few residents. Today there are over 90,000 with nearly 200,000 in the metropolitan area of central part of the state. 

Bend is located on the eastern edge of the Cascade Range along the Deschutes River. Here the Ponderosa Pine forest transitions into the high desert, characterized by arid land, junipers, sagebrush, and bitter-brush.

Originally a crossing point on the river, settlement began in the early 1900s. Bend was incorporated as a city in 1905 with a couple of hundred residents. A popular area is Old Mill District which includes quaint restaurants and designer shops.

Medford

Finding a low-cost premium in Medford is easy if you know where to look. Start with USAA, Mutual of Enumclaw, and Oregon Mutual. I queried each at $976, $997, and $1,005 for a 30 year old driver with full coverage. Which is 25% lower than the Medford average premium for a driver of similar age and profile.

Country Financial and Grange are 22% to 23% lower making them excellent contenders when you are shopping for quotes.

A 45 year old can low quotes with USAA and Mutual of Enumclaw. I queried each at $675 and $687. Which is 26% lower than the “mean” rate within the city. In fact, all the insurers illustrated at 20% lower than average or a significant amount in savings for a monthly premium.

Medford Company	30 Y/O	45 Y/O
USAA	$976	$675
Mutual of Enumclaw	$997	$687
Oregon Mutual	$1,005	$699
Country	$1,021	$704
Grange	$1,037	$709
Progressive	$1,065	$713
Ameriprise	$1,089	$732
Travelers	$1,132	$754
Farmers	$1,165	$798

Medford is situated in the Rogue Valley in the southern portion of Oregon with approximately 80,000 residents. It’s surrounded by mountains and located in Jackson County.

The economy is primarily based in healthcare while agriculture and the timber industry are still significant economic factors.

Popular attractions in Medford include, Rogue Valley Mall, Craterian Ginger Rogers Theater, Southern Oregon Historical Society, Alba Park, Claire Hanley Arboretum, and the Medford Carnegie Library.

Corvallis

Drivers in Corvallis can find affordable quotes with Oregon Mutual, Country Financial, and Grange. I queried each at $987, $989, and $1,043 for a 30 year old driver with full coverage. Which is 27% lower than the citywide rate of drivers with a similar profile.

Corvallis is a city with lower than average quotes compared to other major cities.

A 45 year old driver can find inexpensive quotes with Oregon Mutual, Country Financial, and Grange. I queried each at $655, $678, and $687 respectfully for full coverage. Or 28% lower than the “mean” premium rate for drivers within the city.

Corvallis Company	30 Y/O	45 Y/O
Oregon Mutual	$987	$655
Country	$989	$678
Grange	$1,043	$687
USAA	$1,054	$690
Mutual of Enumclaw	$1,087	$723
Progressive	$1,143	$754
Ameriprise	$1,176	$755
Travelers	$1,180	$787
Farmers	$1,190	$800

Corvallis was founded in 1845 with approximately 1,000 residents. Today, it has a population of 54,000 and is the westernmost city in the U.S. with a population greater than 50,000. 

Corvallis is home to Oregon State University, which also happens to be the city’s largest employer. Another large employer in Corvallis is Hewlett-Packard Corporation, whose printer cartridge manufacturing and prototyping facility is located in the northeast part of the city.

Corvallis was the birthplace of computer ink jet printing technology by Hewlett-Packard. Many residents and government officials boast of Corvallis being the most “bike friendly” city in the nation.

Tigard

To find the cheapest quotes in Tigard then start with Country Financial, Oregon Mutual, and Grange.

I queried each at $967, $989, and $1,044 for a 30 year old driver. Which is 25% lower than the citywide average premium. Mutual of Enumclaw and USAA are 22% lower making it a good decision to get quotes from them.

A 45 year old driver can get affordable quotes with Country Financial, Oregon Mutual, and Grange. Each queried at $687, $709, and $700 respectfully. USAA is included too since I queried them at $709 or the same as Oregon Mutual.

In fact, it would be smart to get quotes from all carriers illustrated for optimum coverage and the most savings.

Tigard Company	30 Y/O	45 Y/O
Country	$976	$687
Oregon Mutual	$989	$709
Grange	$1,044	$700
Mutual of Enumclaw	$1,065	$711
USAA	$1,080	$709
Progressive	$1,117	$754
Ameriprise	$1,154	$776
Travelers	$1,190	$777
Farmers	$1,200	$802

Tigard is a city that wasn’t even on the map 50 years ago. Named after Wilson Tigard it was incorporated as a city in 1961 with less than 5,000 residents.

Today, there are nearly 50,000 and Tigard’s growth was contributed to the Oregon Electric Railway which started construction in 1910.

Currently, city officials are expanding the community with Tigard Triangle Project. After the project there are hopes to make the community more walkable and less traffic congestion.

Tigard is immigration friendly and does not inquire of immigration status for any residents. The city residents welcome illegal immigrants. The policy is not to use any police enforcement or equipment regardless of immigrant status.

Insurance Resources & DMV in Oregon

Department of Insurance	Department of Transportation	Department of Motor Vehicles
350 Winter St NE, Salem, OR 97301 (503) 947-7980	827 NE Oregon St # 250, Portland, OR 97232 (503) 731-3000	1502 SW 6th Ave, Portland, OR 97201 (503) 299-9999
Website	Website	Website

Final Thoughts

At Autoinsuresavings we can provide you with low cost car insurance rates. All you have to do is enter your zip code at the top of the page and you will get low quotes from top insurance companies in your area.

We have made the system as simple and as fast as possible for you.

It is always good to compare three or more auto insurance quotes since insurers weigh determining factors, such as age, driver history, and credit scores differently.

The best part of the system is there is no obligation and everything can be done according to your schedule.

Sources

http://www.oregon.gov/odot/dmv/

http://dfr.oregon.gov/gethelp/ins-help/car/Pages/index.aspx

https://www.iii.org/publications/a-firm-foundation-how-insurance-supports-the-economy/state-fact-sheets/oregon-firm-foundation