The Best Oregon Car Insurance Companies 2020

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Traveling Oregon’s spectacular highways and byways comes with certain risks. Drivers need to protect their investments and Oregon law requires automobile owners to carry certain minimum insurance coverages.364925BF-22D7-405E-BBD3-A35489D76575 Created with sketchtool. Back
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Quick Facts
Save $741 on average this year by shopping for new car insurance Rates vary by state up to 400% The average American pays $129/month for auto insurance According to Oregon Driver and Motor Vehicle Services, more than 3 million registered vehicles occupy Oregon’s roads. A study conducted by the Oregon Department of Transportation recorded nearly 241,000 non-fatal and more than 3,480 fatal automobile crashes in Oregon between 2008 and 2017.
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Close Icon Close Icon The widget will live hereSo, you can see why you need adequate coverage before you hit the road. Finding the best cheap car insurance in Oregon for your specific needs requires a bit of research. When shopping for auto insurance, follow the advice offered by the Insurance Information Institute and the Oregon Division of Financial Regulation:
Shop around and get quotes from several insurance providers. When you talk with agents, ask about discounts that might lower your premium rate.
Always research an insurance company’s financial ratings before buying a policy. Organizations such as A.M. Best, Fitch, Moody’s Investor Services and Standard and Poor’s Rating Information Services offer invaluable financial information about insurance companies’ ability to fulfill their claims obligations.
Once you find an insurer, research their rating with the Better Business Bureau. The BBB website publishes consumer complaints, which can help you determine the reliability of an insurance company.
Before signing a contract, use the insurance license lookup tool on the National Association of Insurance Commissioners’ website to make sure the company you have chosen holds a valid license to sell insurance in Oregon.
Carefully review the amount of coverage you need. Oregon has certain minimum coverage requirements, and if you finance your vehicle, the bank may also require you to purchase additional policies.
Know which driver rating category applies to you. Insurance companies typically rate drivers with no traffic violations in the past three years as “preferred” drivers, which means they pose the lowest risk of filing a claim and typically enjoy the lowest premium rates. “Standard” drivers typically drive family vehicles and pose a moderate amount of risk to insurers. “Nonstandard” drivers include teenagers and young adults, as well as people with a recent history of traffic violations. Nonstandard drivers pay the highest rates because insurance companies consider them high risk.
Consider purchasing an umbrella policy for added liability protection. Umbrella policies can cover some medical and property obligations if you exceed the limits of your liability coverage.
If insurance companies deny your applications for coverage, ask an insurance agent if you qualify for the Automobile Insurance Plan of Oregon, which provides coverage for high-risk drivers through the Western Association of Automobile Insurance Plans.
Best car insurance companies in OregonTo find the best Oregon car insurance companies, we look to the experts in the industry, including J.D. Power, A.M. Best and the Better Business Bureau (BBB). These are the top-rated car insurance providers in Oregon for 2020.

Company
J.D. Power 2020 Northwest Rankings
AM Best ratings
Better Business Bureau (BBB) rating

USAA
883 / 1000
A++ (Superior)
A-

GEICO
834 / 1000
A++ (Superior)
A+

PEMCO Insurance
827 / 1000
B++ (Good)
A+

Progressive
821/1000
A+ (Superior)
A+

The Hartford
818 / 1000
A+ (Superior)
A+

USAAYear after year, USAA consistently wins awards for delivering the best customer service in the industry. Whether you are pricing a new policy, filing a claim or simply checking out the online resources, USAA is an excellent choice for Oregon car insurance when you are a member of the military or if you are related to one.GEICOGEICO is a favorite for traditional car insurance, including optional, add-on coverage for mechanical breakdown coverage and ridesharing insurance if you drive for companies like Uber, Lyft and Instacart. There is an excellent mobile app to assist you with filing a claim or checking on your policy, and the website is easy to navigate. PEMCO InsuranceA regional provider known as the Defender of Your Northwest, Public Employees Mutual Insurance Company (PEMCO) offers excellent coverage for your car, home and boat. As a mutual insurance provider, it was originally started as an insurance company for teachers that today is still owned by its policyholders.ProgressiveProgressive is one of the largest insurance providers in the country, offering affordable pricing with great customer service and customer tools to match. You have the option of adding a collection of specialized coverage not found elsewhere, including gap insurance, pet injury protection and coverage for your custom parts and equipment value.The HartfordPerhaps best known for its partnership with AARP, The Hartford holds special offers for the 50-and-up crowd with programs like new car replacement and RecoverCare, which handles the cost of necessary care after an accident. You can also benefit from lifetime car repair assurance and 12-month rate protection to save you extra money. Ratings for customer and claims satisfaction are only about average, but still, The Hartford offers affordable, comprehensive protections with coverage not typically seen with normal auto insurance policies.364925BF-22D7-405E-BBD3-A35489D76575 Created with sketchtool. Back
Shop rates and compare quotes

Get personalized auto insurance quotes by answering a few quick questions

Are you insuring multiple vehicles?

Yes

No

Are you currently insured?

Yes

No

Are you a homeowner?

Yes

No

Age

364925BF-22D7-405E-BBD3-A35489D76575 Created with sketchtool. 16-2021-2425-3435-4445-5455-6465+
ZIP Code

Yuen Long, NYL
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Quick Facts
Save $741 on average this year by shopping for new car insurance Rates vary by state up to 400% The average American pays $129/month for auto insurance Average cost of car insurance in OregonWe regularly research the average car insurance cost by state, so you know what to use as a baseline when shopping for or negotiating your car insurance rate.In Oregon, the average full coverage premium costs $1,363, while the minimum coverage premium is $579. However, this cost can vary significantly, depending on which provider you use. For example, these are the average costs of car insurance in Oregon for a few of our best providers.

Company
Full Coverage
Minimum Coverage

USAA
$1,252
$351

GEICO
$1,325
$363

Progressive
$1,419
$493

State minimum insurance requirements in OregonOregon’s minimum car insurance requirements require car owners to have a liability insurance policy that covers:
At least $25,000 for bodily injury or death to one person.
At least $50,000 for bodily injury or death of more than one person.
At least $20,000 to cover property damage.
Personal injury protection and uninsured motorist coverage.
Auto insurance discounts in OregonCar insurance companies offer discounts to help you reduce your premium rate. Discounts vary by company, so ask about them when you shop for coverage. It’s pretty easy to save money with USAA and its many discounts.
Safe driver
Good student
New vehicle
Multi-vehicle
Low mileage
Family discount
Loyalty
GEICO’s discounts also include customer loyalty, as well as these savings.
Emergency deployment
Federal employee
Military discount
Multi-vehicle
Multi-policy
Accident-free
Safety discounts
PEMCO doesn’t offer quite as many discounts, but there are still some ways to save.
Bundle discount
Educators
Safety and security
Student discounts
Paid-in-full
Homeownership
With Progressive, you will recognize several of the discounts available, such as these.
Multi-policy discount
Snapshot safe driver discount
Teen driver
Distant student
Sign online
Paperless
Finally, The Hartford rounds out the list with its own savings programs.
50 years or older
AARP membership
Driver Safety program
Lifetime car repair assurance
New car replacement
First accident forgiveness
364925BF-22D7-405E-BBD3-A35489D76575 Created with sketchtool. Back
Shop rates and compare quotes

Get personalized auto insurance quotes by answering a few quick questions

Are you insuring multiple vehicles?

Yes

No

Are you currently insured?

Yes

No

Are you a homeowner?

Yes

No

Age

364925BF-22D7-405E-BBD3-A35489D76575 Created with sketchtool. 16-2021-2425-3435-4445-5455-6465+
ZIP Code

Yuen Long, NYL
Location-Icon Created with Sketch.
Find Matches

Quick Facts
Save $741 on average this year by shopping for new car insurance Rates vary by state up to 400% The average American pays $129/month for auto insurance Frequently asked questionsWhat is the cheapest car insurance in Oregon?Car insurance rates vary based on factors such as age, credit score and driving record. Our research finds that USAA offers the cheapest car insurance in Oregon.What do I need to get car insurance in Oregon?To get a quote for car insurance, Oregon insurance agents need to know about your driving history, where you live, your credit score, your age and the type of car you want to insure.Does Oregon require car owners to have insurance?Oregon requires auto owners to carry liability insurance, as well as personal injury protection and uninsured motorist coverage.Should I add my teenagers to my car insurance policy or get them separate policies?Oregon teens can pay thousands of dollars more for car insurance on a stand-alone policy. To save money, it is best to add your teen drivers to your policy.

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