Best, Cheapest Car Insurance in Oregon (2022)
If you ‘re a driver in Oregon, you ‘ll pay an average $ 117 a calendar month for minimum-coverage car policy, or $ 188 a calendar month for wax coverage. If you ‘re looking for the cheapest car insurance company in Oregon, State Farm has the lowest rates for both minimal and wax coverage, according to our research .
While the cost of car insurance is a high priority for most, factors such as coverage benefits and customer atonement are significant as well. We put together this overview of the major cable car indemnity providers in Oregon to help you find the best and cheapest car indemnity quote .
How much is car insurance in Oregon?
The average cost of minimum auto insurance in Oregon is $117 a month, based on our data. That ‘s 34 % higher than the average U.S. car indemnity rate of $ 87 a calendar month. The Oregon rate for full-coverage car policy is $ 188 a calendar month, 6 % higher than the national average of $ 178 a calendar month. A full-coverage policy generally includes indebtedness, collision and comprehensive coverages .
| Region | Minimum coverage | Full coverage |
|---|---|---|
| Oregon | $117 | $188 |
| National | $87 | $178 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Oregon ‘s car indemnity rates are higher than the national average in separate ascribable to extreme weather in the state, like heavy flood. furthermore, closely 11 % of Oregon drivers are uninsured, according to the Insurance Research Council. The monetary value of uninsured drivers is passed onto drivers with policy, raising their rates.
What are the best, cheapest car insurance companies in Oregon?
State Farm has the cheapest average rates in Oregon for both minimum and full-coverage car insurance, our research shows. State Farm ‘s average rate for minimum coverage is $ 53 a calendar month, and its full-coverage rate is $ 85 a calendar month. Progressive has the second-cheapest average rates : $ 67 a month for minimal coverage and $ 85 for wide coverage .
At the high end, Travelers has the most expensive car policy rates in Oregon, $ 227 a month for minimum coverage and $ 378 for fully coverage .
Looking deep into the policy offerings and customer satisfaction trends of the biggest car insurance providers in Oregon, we found that State Farm, Progressive and USAA stood out as the state ‘s best companies. here ‘s why .
State Farm: cheapest rates and most popular
State Farm ‘s moo average rate of $ 85 a month for minimum car indemnity is adept compared to quotes from other providers in Oregon, but depending on which part of the state of matter you live in, you could get an even lower rate. State farm customers in Eugene pay an average $ 57 a month. State Farm policyholders in Bend having the second-cheapest rate of $ 60 a calendar month. The table under shows how State Farm ‘s average rates range in Oregon ‘s 10 largest cities :
| City | Average monthly rate |
|---|---|
| Beaverton | $86 |
| Bend | $60 |
| Corvallis | $57 |
| Eugene | $65 |
| Gresham | $103 |
| Hillsboro | $84 |
| Medford | $65 |
| Portland | $95 |
| Salem | $80 |
| Springfield | $61 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
On top of the lowest rates, State Farm is besides the most popular of the car policy providers we looked at in Oregon. According to the Insurance Information Institute, State Farm holds 16.2 % of the national market share of the car indemnity industry .
separate of State Farm ‘s popularity is its customer service. According to J.D. Power ‘s 2021 U.S. Auto Insurance Study, State Farm received a denounce of 844 out of 1,000 for overall customer satisfaction. That ‘s well above the average rat of 827 in the Northwest area, and gives State Farm the highest ranking in the area .
An car insurance caller ‘s customer atonement rat is gauged based on factors such as a provider ‘s placard and claims processes, customer interaction and policy offerings. The higher a car insurance company ‘s customer gratification rating, the better. This puts State Farm in a firm exceed side.
Progressive: cheap rates and best discounts
Progressive has the second overall lowest average rates in Oregon, at $ 67 a calendar month for minimum coverage and $ 110 a calendar month for entire coverage. The table below reflects Progressive ‘s costs for car insurance in Oregon ‘s biggest cities .
| City | Average monthly rate |
|---|---|
| Beaverton | $124 |
| Bend | $95 |
| Corvallis | $87 |
| Eugene | $96 |
| Gresham | $154 |
| Hillsboro | $120 |
| Medford | $89 |
| Portland | $132 |
| Salem | $118 |
| Springfield | $94 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Progressive provides the best discounts of the cable car policy companies we looked at in Oregon. They include :
- Online signing: An easy discount to get if you sign your auto insurance policy documents online. You can save an average of 9% off your premium.
- Multi-policy: If you bundle your car insurance with a renters, home or life insurance policy through Progressive, you can save up to 5% on your auto insurance.
- Multi-car: Do you need to insure more than one car? If you have two or more cars on your auto insurance policy, you can get an average discount of 4%.
- Teen driver: Car insurance can be expensive for teen drivers. If you are a teen, or the parent of one, you may be able to get a discount that can help lower your car insurance costs.
Progressive besides has an excellent track record with claims resolution. The National Association of Insurance Commissioners gives progressive 0.2 in its Complaint Index. The Complaint Index reflects how well a supplier deals with claims issues such as payout measure and resolution speed. Progressive ‘s Complaint Index is well below the National Complaint Index of 1.0, making progressive one of the strongest cable car indemnity companies for claims settlement we found in Oregon .
USAA: cheap rates and best for military members
USAA has the third-cheapest rate for minimal car insurance in Oregon, $ 76 a month. however, its rates tend to run higher in the submit ‘s more densely populate regions. The following table shows USAA ‘s rates in Oregon ‘s larger cities .
| City | Average monthly rate |
|---|---|
| Beaverton | $142 |
| Bend | $113 |
| Corvallis | $114 |
| Eugene | $121 |
| Gresham | $164 |
| Hillsboro | $140 |
| Medford | $108 |
| Portland | $150 |
| Salem | $132 |
| Springfield | $124 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
If you are a stream or withdraw military member, USAA may be an excellent choice. Its policy offerings are limited to members of the Armed Forces, along with some benefits customized particularly for them. For example, during deployment, USAA offers oversea car insurance. furthermore, if you decide to leave your cable car in the U.S. during your deployment, it offers repositing discounts and options to keep your fomite safe at home .
USAA is much considered the top of the heap for customer satisfaction in the indemnity industry. J.D. Power ‘s 2021 U.S. Auto Insurance Study gives the company 884 out of 1,000 for overall customer satisfaction in the Northwest. USAA is n’t in J.D. Power ‘s rank for customer satisfaction due to its limited customer base, otherwise it would be at the lead in the region .
additionally, the NAIC gives USAA a Complaint Index of 0.8. The lower the score the better, putting USAA in an excellent side overall for customer concern .
Oregon’s minimum auto insurance limits
Oregon department of state police requires the follow liability car policy limits :
- Bodily injury per person: $25,000
- Bodily injury per accident: $50,000
- Property damage liability per accident: $20,000
Oregon besides requires the watch PIP and uninsured motorist policy limits :
- Personal injury protection: $15,000
- Uninsured motorist insurance per person: $25,000
- Uninsured motorist insurance per accident: $50,000
Keep in beware that the minimum limits are entirely in position for legal reasons. Chances are that these limits would not fully cover a major accident. For case, if you are involved in an accident that totals person else ‘s brand-new car, it ‘s doubtful that $ 20,000 will cover it. To maintain your fiscal security system, we recommend raising your car policy liability limits to the follow :
- Bodily injury per person: $100,000
- Bodily injury per accident: $300,000
- Property damage liability per accident: $100,000
Methodology
We used Quadrant Information Services to generate thousands of car indemnity quotes from every ZIP code in oregon from the come providers :
- Allstate
- American Family
- Country Financial
- Farmers
- GEICO
- Nationwide
- Progressive
- State Farm
- Travelers
- USAA
Our sample driver is a 35-year-old male with a clean record who drives a 2012 Honda Accord LX 13,500 miles per year .
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