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Oregon Inexpensive Auto Insurance, Minimum Coverage, & Cost Saving Strategies for Savings

Depending on your age and location the least expensive car insurance companies in Oregon are Country Financial, Ameriprise, and Progressive.

On average, I was able to get quotes from 19% to 24% cheaper than a driver with a similar profile and decent driving history.

Other carriers you may want to put on your list to get quotes are Mutual of Enumclaw, Travelers, and 21st Century.

Driving history dependent, you can find each carrier from 14% to 20% lower than the median quote for similar profile drivers in Oregon.

There are other carriers you should put on your radar.

I will go into more detail below. 

In this article I will cover the minimum requirements are for auto insurance, low-cost insurance companies, and cost-savings strategies to help you find the cheapest monthly premium.

If you would like to skip to a certain portion of the article there is a table of contents down a little and to the right.  

Minimum Car Insurance Requirements in Oregon

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:

CoverageOregon Minimum Liability CoverageRecommended 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 BIL25,000 / 50,000$50,000 / $100,000
Comprehensive CoverageN/A$500 deductible
Collision CoverageN/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 coverage, the insurance firm will pay up to $10,000 for repairs.

Lowest price carriers in Oregon for 25 y/o driver from Country Financial, Ameriprise, Progressive, and Travelers.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 Financial, Ameriprise, and Progressive had the most affordable 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 dependent on driving history, age, and location.

Country Financial is able to offer quotes approximately 24% cheaper than average for drivers of similar age and profile.

Both Ameriprise and Progressive offer quotes from 19% to 24% lower.

If you are in the market for a new premium it would be smart to get quotes from all three insurers. 

Other carriers to put on your bucket list to get quotes are Mutual of Enumclaw, Travelers, and 21st Century.

Each carrier can offer quotes from 14% to 20% cheaper than the median quote.

Other competitive carriers in some locations are Grange, Farmers, and Oregon Mutual. 

Each can offer quotes from 12% to 20% lower than the “mean” quote for similar age drivers.

If you are former military USAA is probably your best option.

However, it would be smart to get quotes from all the companies previously mentioned.

With the list you have a blend of regional and national insurers to help you find the lowest premium possible. 

Oregon Company25 Y/O Driver30 Y/O Driver45 Y/O Driver55 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
Wawanesa$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

45 year old driver cheapest car insurance in Oregon from Country Financial, Ameriprise, Progressive, and 21st Century. 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 coverage 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.

25 year old driver cheapest premium by price in Oregon from USAA, Grange, Nationwide, and Farmers.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 coverage 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 accident.

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

45 year old driver low cost car insurance in Oregon from USAA, Farmers, Grange, and Nationwide. 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, 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 $2,000 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 $1,500.

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, $1,900.

Discounts in Oregon

Below the chart illustrates the top 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.

Top auto discounts in Oregon.

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.

Data compiled is from JD Power & Associates, AM Best, and the Insurance Information Institute or the III.org.

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

CompanyDirect Written PremiumsRate Change < 18 Months# of ComplaintsConsumer Rating out of 5 Stars
State Farm$438,144,321+3.3%314.3
Unitrin $11,021,543+3.9%484.4
Travelers$21,658,743+3.2%184.4
USAA$43,544,054+2.7%224.6
Liberty Mutual$32,834,143+2.8%34.4
Allstate$109,325,543+2.9%114.2
Country Financial $32,465,676+2.9%54.1
Progressive$209,215,472+3.5%364.2
Mutual of Enumclaw$12,564,965+3.6%33.8
California Casualty$9,337,366+4.1%14.2
Nationwide$22,641,547+2.9%274.2
Oregon Automobile $1,335,657+3.7%43.9
American Family$32,445,478 +2.9%154.0
GEICO$87,325,676+3.7%153.8
Oregon Mutual $19,432,675+2.9%33.8
Safeco$65,022,458+3.7%264.2

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.

 
CityAverage PremiumCityAverage Premium
Albany$1,254Hermiston$1,257
Aloha$1,299Keizer$1,268
Astoria$1,289Klamath Falls$1,221
Athena$1,261Lafayette$1,268
Bandon$1,300Lebanon$1,409
Clackamas$1,321McMinnville$1,254
Coos Bay$1,376Mill City$1,249
Coquille$1,314Monmouth$1,400
Cornelius$1,346Newberg$1,396
Creswell$1,264Pendleton$1,386
Damascus$1,282Redmond$1,401
Elgin$1,291Tualatin$1,432
Fairview$1,387Warrenton$1,294
Gladstone$1,342Wilsonville$1,285
Glide$1,401Woodburn$1,278
Grants Pass$1,250Yamhill$1,428

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 Financial, Progressive, and Ameriprise for each of the cities had the lowest rates.  

Your best option is to get at least five quotes from different carriers. 

Portland, OR

Cheapest auto insurance firms in Portland, Oregon from Ameriprise, Progressive, Grange, Mutual of Enumclaw, and Country Financial.

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 CompanyAverage Annual Rate Percentage Difference from State Avg
Country$98924%
Ameriprise$1,00823%
Progressive$1,00923%
21st Century$1,03223%
Mutual of Enumclaw$1,05622%
Travelers$1,08721%
USAA$1,09821%
Farmers$1,11221%
Oregon Mutual$1,12919%

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.

Eugene, OR

Affordable auto insurance firms in Eugene, Oregon from Progressive, Grange, Mutual of Enumclaw, and Country Financial.

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.

Eugene CompanyAverage Annual Rate Percentage Difference from State Avg
Country$1,05622%
Ameriprise$1,07822%
Progressive$1,12321%
21st Century$1,15720%
Mutual of Enumclaw$1,23418%
Travelers$1,24518%
USAA$1,24718%
Farmers$1,26718%
Oregon Mutual$1,28717%

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.

Salem, OR

Chart showing affordable auto insurance firms in Salem, Oregon from Progressive, Grange, Mutual of Enumclaw, and Country Financial.

To get the cheapest car insurance in Salem 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 CompanyAverage Annual Rate Percentage Difference from State Avg
Country$1,05422%
Ameriprise$1,07922%
Progressive$1,11521%
21st Century$1,11521%
Mutual of Enumclaw$1,16520%
Travelers$1,18720%
USAA$1,19520%
Farmers$1,20819%
Oregon Mutual$1,26919%

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.

Gresham, OR

Gresham lowest carriers by price for drivers from Progressive, Grange, Mutual of Enumclaw, and Country Financial.

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 Company30 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.

Hillsboro, OR

Hillsboro low-cost premium prices for 30 to 55 year old drivers from Progressive, Grange, Mutual of Enumclaw, and Country Financial.

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 Company30 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.

Beaverton, OR

Beaverton, Oregon lowest policy price choices for 30 to 45 year old drivers.

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 Company30 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 is the Cooper Mountain and Ponzi Vineyards.

Bend, OR

Bend, OR lowest premium choices for drivers.

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 Company30 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 was incorporated as a city in 1905 with a couple of hundred residents.

Medford, OR

Medford low-cost quotes by price for 25 to 55 year old drivers from Country Financial, USAA, Grange, and Mutual Enumclaw.

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 Company30 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.

Corvallis, OR

Corvallis cheapest premium choices for 30 to 55 year old drivers from Country Financial, Oregon Mutual, Grange, and Mutual Enumclaw.

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 Company30 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.

Tigard, OR

Tigard, OR inexpensive premium choices for all drivers from Country Financial, Oregon Mutual, Grange, and Mutual Enumclaw.

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 Company30 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.

Insurance Resources & DMV in Oregon
Department of InsuranceDepartment of TransportationDepartment 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
WebsiteWebsiteWebsite
Sources

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

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

Oregon Mutual

Mutual of Enumclaw

Country Financial 

Greg Fowler

Greg Fowler

Managing Member of AutoInsureSavings LLC, Greg enjoys writing articles to help drivers save on anything related to automobiles. Travel and enjoying the outdoors are some of his hobbies. The best way to reach him is at Google+ or Facebook Profile.

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