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Cheapest Car Insurance Rates In Oregon (2018)

It’s easy to feel lost in the shuffle when you’re searching for cheap auto insurance rates in Oregon. With dozens of companies to choose from and countless discounts to consider, it’s not easy to noodle out the best rates for your particular needs and budget.

At PennyGeeks, we decided to make the process a whole lot easier by conducting a study based on quote data from nine leading insurance providers to find the best rates for:

No Recent AccidentsTeen Drivers
Drivers With A DUISenior Drivers

Best Rates For Drivers With No Recent Accidents

$121/month estimate

$165/month estimate

How many accidents have you caused in the past five years? If “zero” was your answer, you should be able to find very cheap auto insurance in Oregon by getting quotes from State Farm or Allstate. If you don’t fall into this safe driver group just yet, make it a point to compare insurance quotes periodically to find out if you could be paying less by switching to a different provider.

Best Rates For Teen Drivers

$337/month estimate

$/month estimate

Our analysis found Allstate to be the most affordable car insurance company for teenagers in Oregon. Our data is based on the state’s minimum insurance requirements. We estimated the auto insurance premiums for 18-year-old drivers from five OR zip codes. The quotes listed above are based on averages from male and female teens.

Best Rates For Drivers With A DUI

$/month estimate

$221/month estimate

Just because you drove under the influence once doesn’t mean you’ll do it again. Unfortunately, your insurance premiums are based on the statistical likelihood that you’ll file an accident claim, so that one-time mistake could wind up costing you thousands in higher insurance rates for many years.

Luckily, Progressive and Allstate tend to offer low cost auto insurance in Oregon to drivers who have one DUI conviction. Make sure you compare quotes from both providers to make the most informed decision.

Best Rates For Senior Drivers

$88/month estimate

$161/month estimate

If you’re looking for cheap car insurance for seniors in Oregon, try comparing quotes from State Farm and Allstate. Our data is based on the estimated premiums of a 65-year-old male and female driver who commutes 4,000 miles per year.


The vehicle used in our analysis is a 2014 Toyota Corolla. The default annual mileage is 12,000, and our default driver is 29 years old. The estimates for each driver type are based on the average premiums of males and females from five Oregon zip codes. We used 50/100/25 liability coverage limits and 50/100/25 uninsured motorist coverage limits for all categories except teenage drivers.

How Much Auto Insurance Coverage Are Motorists In Oregon Required To Purchase?

In Oregon, it is a legal requirement for all drivers to have car insurance that covers the following minimum limits:

  • $25,000 For Bodily Injury Per Person / $50,000 Per Collision
  • $20,000 For Property Damage
  • $15,000 In Personal Injury Protection
  • $25,000 In Uninsured Motorist Bodily Injury Coverage Per Person / $50,000 Per Collision


cheapest car insurance in oregon

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Car Insurance FAQs
How Can I Get My Car Insurance Premiums Reduced? Should I Buy Uninsured Motorist Coverage? What Factors Affect My Auto Insurance Rates? When Can My Car Insurance Company Increase My Premiums? What Are Common Reasons Why Car Insurance Claims Are Denied?