Cheap Auto Insurance in Oregon — Compare & Save Up to 40%

Cheapest Auto Insurance Companies in Oregon (2026)

We compared full coverage rates from the top auto insurance companies in Oregon. Here are the cheapest options based on a 35-year-old driver with good credit and a clean record:

Rates are based on 2026 data for a 35-year-old driver with good credit, a clean driving record, and full coverage (100/300/50 with $1,000 deductibles). Your rate will vary.

What You Should Know About Oregon Auto Insurance

• Oregon requires minimum liability coverage of 25/50/20.
• The average full-coverage premium in Oregon is $1,790/year.
• Oregon uses a no-fault (PIP) insurance system.
• Approximately 7% of Oregon drivers are uninsured.
• Oregon drivers face weather-related risks including rain, flooding, ice, wildfire smoke, wind storms.
• Liability-only coverage in Oregon averages $540/year.
• Oregon requires Personal Injury Protection (PIP) coverage.

For complete Oregon auto insurance laws and requirements, visit the Oregon Division of Financial Regulation. For vehicle registration and licensing, visit the Oregon DMV.

Full Coverage vs. Liability in Oregon

Full coverage in Oregon averages $149/month, while liability-only coverage averages $45/month. Full coverage includes comprehensive and collision protection that covers damage to your own vehicle. If you have a car loan or lease, your lender likely requires full coverage.

While liability-only saves money, it leaves you paying out of pocket for damage to your own car in an accident, theft, or weather event. With 7% of Oregon drivers uninsured, we strongly recommend adding uninsured motorist coverage to any policy.

Auto Insurance Rates by City in Oregon

Where you live in Oregon significantly affects your premium. Click your city for local rate comparisons:

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

1. Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
2. Oregon Division of Financial Regulation — official state insurance regulator for Oregon.
3. National Association of Insurance Commissioners (NAIC) — national insurance data and consumer resources.
4. Oregon DMV — Oregon vehicle registration and licensing requirements.
5. Insurance Information Institute (III) — independent insurance education and research.
6. National Highway Traffic Safety Administration (NHTSA) — crash and safety statistics.
7. NHTSA FARS Database — fatal crash and DUI arrest data by state and locality.