{"id":324631,"date":"2025-11-11T17:17:16","date_gmt":"2025-11-11T22:17:16","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=88054"},"modified":"2025-11-12T13:27:44","modified_gmt":"2025-11-12T18:27:44","slug":"best-in-oregon","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/best-in-oregon\/","title":{"rendered":"The Best Car Insurance in Oregon for 2025"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"overview\" title=\"Overview\"><\/span>\n    \n\n\n<p>Finding the best car insurance in Oregon might take some research, but Reviews&#8217; comparison of top companies may make things easier. When reviewing insurance companies, we considered factors that are often a priority \u2013 such as price, customer satisfaction, and financial strength \u2013 to compile a list of the best car insurance companies in Oregon. Each carrier has something unique to offer, and drivers may have an easier time determining which one might fit their insurance needs. For Oregon shoppers, it\u2019s also smart to consult the state\u2019s <a href=\"https:\/\/dfr.oregon.gov\" class=\"achor-toggles\">Auto Insurance Rate Comparison<\/a> and <a href=\"https:\/\/dfr.oregon.gov\" class=\"achor-toggles\">Complaint Index<\/a> to see how companies stack up locally before you compare quotes. Each of the top four providers for the state also have a nationwide reputation that earned the providers a spot in our list of the <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/best\/\">best car insurance companies<\/a> in the U.S.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 4 Best Auto Insurance Companies in Oregon<\/h2>\n\n\n\n<p>To narrow down our list of the best car insurance companies in Oregon, we analyzed dozens of carriers for factors such as affordability, customer support, policy coverage options, and discounts, as well as financial strength ratings. Below are some of the best carriers we found for Oregon drivers to explore:&nbsp;<\/p>\n\n\n\n<ul>\n<li><a href=\"#allstate\" rel=\"nofollow\" class=\"achor-toggles\">Allstate:<\/a> Best for Online Resources<\/li>\n\n\n\n<li><a href=\"#geico\" rel=\"nofollow\" class=\"achor-toggles\">Geico:<\/a> Best for Discounts<\/li>\n\n\n\n<li><a href=\"#state-farm\" rel=\"nofollow\" class=\"achor-toggles\">State Farm:<\/a> Best for Coverage Options<\/li>\n\n\n\n<li><a href=\"#usaa\" rel=\"nofollow\" class=\"achor-toggles\">USAA:<\/a> Best for Military-Focused Coverage<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"compare\" title=\"Compare\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Compare the Best Car Insurance Companies in Oregon<\/h2>\n\n\n\n<p>In the table below, Reviews chose these car insurance companies as &#8220;best,&#8221; based on our assessment of available metrics. The figures shown reflect earlier datasets; since then, Oregon premiums have risen, and recent 2025 analyses typically place statewide averages around $1,600\u2013$1,900 per year for full coverage and about $600\u2013$700 per year for minimum coverage, depending on methodology and driver profile. See current Oregon cost updates from <a class=\"achor-toggles\" href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a class=\"achor-toggles\" href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, <a class=\"achor-toggles\" href=\"https:\/\/www.thezebra.com\/auto-insurance\/oregon-car-insurance\/\">The Zebra<\/a>, and <a class=\"achor-toggles\" href=\"https:\/\/insurify.com\/car-insurance\/oregon\/\">Insurify<\/a>. While averages can give you a general idea of how premiums differ by company, your rate will vary based on numerous factors that affect your quote.<\/p>\n\n\n\t\t\n<section id=\"block_621e31eab94ab\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\"><\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Annual Minimum Coverage Premium*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Annual Full Coverage Premium*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best Rating\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. Power** Customer Satisfaction Rating\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_621e31eab94ab-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Allstate<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$820<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,790<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+ (Superior)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>825<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_621e31eab94ab-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Geico<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$575<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,355<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++ (Superior)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>821<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_621e31eab94ab-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$527<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,093<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++ (Superior)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>844<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_621e31eab94ab-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">USAA<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$494<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,038<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++ (Superior)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>884<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Information note: The comparison below includes historical data. For current Oregon averages and rankings, see 2025 updates from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, and Oregon\u2019s <a href=\"https:\/\/dfr.oregon.gov\">DFR rate comparison<\/a>.<\/em><\/p>\n\n\n\n<p><em>*Data sources include Bankrate; see <a href=\"https:\/\/www.bankrate.com\">current Oregon averages<\/a>. Methodologies vary by source.<\/em><\/p>\n\n\n\n<p><em>**J.D. Power <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2024 U.S. Auto Insurance Study<\/a> regional results (Northwest). Based on a 1,000-point scale. USAA is not officially ranked due to eligibility restrictions. <\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"allstate\" title=\"Best for Online Resources\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Allstate<\/h2>\n\n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Online Resources<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Allstate offers some of the best online resources on the market, including a library of educational articles and a robust digital app.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,571352,6720045&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/affiliate-autoplanners.html?CID=AFF-REV-AU-073845-200616&#038;campaign=444490000073845&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325305-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,790*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">825**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Allstate offers some of the best online resources on the market, including a library of educational articles and a robust digital app.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Excellent digital tools<\/li>\n                            <li>Pay-per-mile insurance for those who don\u2019t drive as much<\/li>\n                            <li>\u201cAllstate extras\u201d like new car replacement and accident forgiveness<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Higher than average premiums<\/li>\n                                    <li>Below-average J.D. Power ratings for customer satisfaction for this region<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">STANDARD DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Vehicle safety<\/li>\n<li>Multi-policy<\/li>\n<li>Early signing<\/li>\n<li>Responsible payer<\/li>\n<li>Smart student<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Homeowners insurance<\/li>\n<li>Renters insurance<\/li>\n<li>Motorcycle insurance<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"geico\" title=\"Best for Discounts\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Geico<\/h2>\n\n\n                                                \n\n\n<section id=\"geico\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Geico<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Discounts<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Geico is well-known for its competitive prices, which may in part be due to the provider\u2019s extensive list of discounts.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?refer=Auto_Geico&#038;rvitemid=342882-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,355*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">821**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Geico is well-known for its competitive prices, which may in part be due to the provider\u2019s extensive list of discounts.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Competitive average premiums for minimum coverage<\/li>\n                            <li>Abundant discounts<\/li>\n                            <li>Exceptional AM Best financial strength rating<\/li>\n                            <li>Variety of online tools<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>No gap insurance coverage<\/li>\n                                    <li>Can be expensive for poor driving records or bad credit<\/li>\n                                    <li>Below-average J.D. Power customer satisfaction ratings for this region<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Vehicle equipment features<\/li>\n<li>New vehicle<\/li>\n<li>Good driver<\/li>\n<li>Seat belt use<\/li>\n<li>Defensive driving<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Homeowners insurance<\/li>\n<li>Renters insurance<\/li>\n<li>Boat insurance<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"state-farm\" title=\"Best for Coverage Options\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">State Farm<\/h2>\n\n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Coverage Options<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                State Farm is the biggest provider of auto insurance in the country in terms of <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-insurance-company-rankings\" rel=\"noopener\" target=\"_blank\">market share<\/a>  and has some of the most robust coverage options.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325309-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,093*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">844**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                State Farm is the biggest provider of auto insurance in the country in terms of <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-insurance-company-rankings\" rel=\"noopener\" target=\"_blank\">market share<\/a>  and has some of the most robust coverage options.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Rideshare coverage offered<\/li>\n                            <li>Competitive rates for full and minimum coverage<\/li>\n                            <li>Excellent AM Best financial strength ratings<\/li>\n                            <li>Highest officially-ranked provider by J.D. Power for customer satisfaction in this region<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Fewer discounts than other companies<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">STANDARD DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Drivewise<\/li>\n<li>Steer Clear<\/li>\n<li>Accident-free<\/li>\n<li>Defensive driving<\/li>\n<li>Student discounts<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Homeowners insurance<\/li>\n<li>Renters insurance<\/li>\n<li>Condominium insurance<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"usaa\" title=\"Best for Military-Focused Coverage\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">USAA<\/h2>\n\n\n                                                \n\n\n<section id=\"usaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Military-Focused Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Based on our research, USAA offers affordable and top-rated auto insurance coverage for current and former military members and their eligible families.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/oc.brcclx.com\/t\/?lid=26672716&#038;cr=27703&#038;last_updated=1594081711&#038;sid=\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,038*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">884**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Based on our research, USAA offers affordable and top-rated auto insurance coverage for current and former military members and their eligible families.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Most affordable rates compared to the other top companies<\/li>\n                            <li>Highest J.D. Power scores for customer satisfaction for this region<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Eligibility restrictions<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">STANDARD DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Safe driver<\/li>\n<li>Defensive driving<\/li>\n<li>Driver training<\/li>\n<li>Good student<\/li>\n<li>New vehicle<\/li>\n<li>Multi-vehicle<\/li>\n<li>Annual mileage<\/li>\n<li>Vehicle storage<\/li>\n<li>Family discount<\/li>\n<li>Length of membership<\/li>\n<li>Military installation<\/li>\n<li>Full pay<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Homeowners insurance<\/li>\n<li>Umbrella insurance<\/li>\n<li>Mobile home insurance<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>* Data sources include Bankrate; see <a href=\"https:\/\/www.bankrate.com\">current Oregon averages<\/a>. Methodologies vary by source.<\/em><\/p>\n\n\n\n<p><em>**<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\" rel=\"nofollow\" class=\"achor-toggles\">J.D. Power 2024 U.S. Auto Insurance Study<\/a> regional results (Northwest). Based on a 1,000-point scale. USAA not officially ranked due to eligibility restrictions.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"average-cost\" title=\"Average Cost\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Average Cost of Car Insurance in Oregon<\/h2>\n\n\n\n<p>In 2025, recent estimates place Oregon\u2019s average car insurance costs at roughly $1,600\u2013$1,900 per year for full coverage and about $600\u2013$700 per year for minimum coverage, depending on the source, driver profile and coverage selections. Multiple analyses \u2014 including <a class=\"achor-toggles\" href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a class=\"achor-toggles\" href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a> \u2014 indicate Oregon remains below the national average for full coverage.<\/p>\n\n\n\n<p>There\u2019s a lot that goes into determining the cost of car insurance, and your location is one factor that can have a significant impact on rates. Some states simply have higher insurance costs than others based on a variety of contributing risks. Other determining factors may include driver age, <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/how-credit-scores-affects-rates\/\">credit score<\/a>, driving history, and marital status, among other factors. Rates have risen significantly since 2021 due to higher claim severity and repair costs; the <a class=\"achor-toggles\" href=\"https:\/\/www.bls.gov\/cpi\/\">BLS Consumer Price Index<\/a> shows large year-over-year increases in the motor vehicle insurance index through 2024\u20132025. Oregon\u2019s minimum required coverages (liability 25\/50\/20, PIP $15,000, and UM\/UIM 25\/50) also influence \u201cminimum coverage\u201d pricing.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-3-cheapest-companies\" title=\"Top 3 Cheapest Car Insurance Companies\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Car Insurance Companies in Oregon<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Minimum Coverage Premium<\/strong><\/td><\/tr><tr><td>Oregon Mutual<\/td><td>$414<\/td><\/tr><tr><td>Travelers<\/td><td>$438<\/td><\/tr><tr><td>QBE<\/td><td>$456<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Historical sample data; for current 2025 Oregon comparisons, use the state\u2019s <a href=\"https:\/\/dfr.oregon.gov\">DFR Auto Insurance Rate Comparison<\/a> and recent analyses from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-3-most-expensive-companies\" title=\"Top 3 Most Expensive Car Insurance Companies\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Car Insurance Companies in Oregon<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Minimum Coverage Premium<\/strong><\/td><\/tr><tr><td>American Family<\/td><td>$699<\/td><\/tr><tr><td>Allstate<\/td><td>$820<\/td><\/tr><tr><td>State Farm<\/td><td>$1,018<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Historical sample data; for current 2025 Oregon comparisons, use the state\u2019s <a href=\"https:\/\/dfr.oregon.gov\">DFR Auto Insurance Rate Comparison<\/a> and recent analyses from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-3-cheapest-cities\" title=\"Top 3 Cheapest Cities for Car Insurance\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Cities for Car Insurance in Oregon<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Minimum Coverage Premium<\/strong><\/td><\/tr><tr><td>Baker City<\/td><td>$458<\/td><\/tr><tr><td>Richland<\/td><td>$462<\/td><\/tr><tr><td>Enterprise<\/td><td>$463<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Historical sample data; for current 2025 city differences, recent sources show smaller college\/tech markets (e.g., Corvallis, Bend, Albany) trending below the state average for full coverage. See <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, <a href=\"https:\/\/www.thezebra.com\/auto-insurance\/oregon-car-insurance\/\">The Zebra<\/a> and <a href=\"https:\/\/www.forbes.com\/advisor\/car-insurance\/auto-insurance-rates\/oregon-car-insurance\/\">Forbes Advisor<\/a>.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-3-expensive-cities\" title=\"Top 3 Most Expensive Cities for Car Insurance \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Cities for Car Insurance in Oregon<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Minimum Coverage Premium<\/strong><\/td><\/tr><tr><td>Maywood Park<\/td><td>$966<\/td><\/tr><tr><td>Gresham<\/td><td>$930<\/td><\/tr><tr><td>Fairview<\/td><td>$880<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Historical sample data; for current 2025 city differences, Portland- area cities (e.g., Portland, Gresham) typically trend highest for full coverage. See <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, <a href=\"https:\/\/www.thezebra.com\/auto-insurance\/oregon-car-insurance\/\">The Zebra<\/a> and <a href=\"https:\/\/www.forbes.com\/advisor\/car-insurance\/auto-insurance-rates\/oregon-car-insurance\/\">Forbes Advisor<\/a>.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Oregon Car Insurance Requirements<\/h3>\n\n\n\n<p>Oregon requires that all drivers carry a <a href=\"https:\/\/www.oregon.gov\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">minimum amount of insurance<\/a>. Failure to meet this requirement can mean fines or suspension of your driver\u2019s license. Statutory minimums are set in Oregon law; see <a href=\"https:\/\/www.oregonlegislature.gov\/bills_laws\/ors\/ors806.html\" class=\"achor-toggles\">ORS 806.070<\/a>, <a href=\"https:\/\/www.oregonlegislature.gov\/bills_laws\/ors\/ors742.html\" class=\"achor-toggles\">ORS 742.520<\/a>, and <a href=\"https:\/\/www.oregonlegislature.gov\/bills_laws\/ors\/ors742.html\" class=\"achor-toggles\">ORS 742.502<\/a>. What goes into Oregon&#8217;s car insurance requirements?<\/p>\n\n\n\n<p>Even though Oregon is an at-fault state, it still requires that all drivers carry personal injury protection with a limit of at least $15,000 (<a href=\"https:\/\/www.oregonlegislature.gov\/bills_laws\/ors\/ors742.html\" class=\"achor-toggles\">ORS 742.520<\/a>).&nbsp;<\/p>\n\n\n\n<p>The state also requires coverage of $25,000 per person, or $50,000 per crash, for uninsured\/underinsured motorist bodily injury. By default, UM\/UIM limits equal your bodily injury liability limits unless you elect lower limits in writing, not below 25\/50 (<a href=\"https:\/\/www.oregonlegislature.gov\/bills_laws\/ors\/ors742.html\" class=\"achor-toggles\">ORS 742.502<\/a>). Finally, like many states, Oregon requires that all drivers carry liability insurance.<\/p>\n\n\n\n<p>Minimum liability required in the state of Oregon is divided as follows:<\/p>\n\n\n\n<ul>\n<li>$25,000 per person bodily injury liability coverage<\/li>\n\n\n\n<li>$50,000 per accident bodily injury liability coverage<\/li>\n\n\n\n<li>$20,000 per accident property damage liability coverage<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"key-things\" title=\"Key Things to Know\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Key Things to Know About Car Insurance in Oregon&nbsp;<\/h2>\n\n\n\n<p>Regardless of where you live, it\u2019s essential that you find out the unique insurance laws in your state. Like many places, Oregon has unique laws surrounding the type of insurance you must carry and who is responsible for covering certain damages. Before you buy, review Oregon\u2019s <a href=\"https:\/\/dfr.oregon.gov\" class=\"achor-toggles\">rate comparison<\/a> and <a href=\"https:\/\/dfr.oregon.gov\" class=\"achor-toggles\">complaint index<\/a> to compare companies in your city and for your driver profile.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Car Insurance Coverage Options<\/h3>\n\n\n\n<ul>\n<li><strong>Gap Coverage:<\/strong> If you total your car but still have a car loan, <a href=\"https:\/\/www.reviews.com\/insurance\/car\/what-is-gap-insurance\/\" class=\"achor-toggles\">gap coverage<\/a> will ensure you aren\u2019t on the hook for paying if your loan amount exceeds your car\u2019s actual value.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/motorist-coverage\/\" class=\"achor-toggles\"><strong>Uninsured or Underinsured Motorist<\/strong><\/a><strong>:<\/strong> It\u2019s usually the case that whoever causes an accident pays for the property damage. But if you\u2019re in an accident and the person at-fault doesn\u2019t have insurance or doesn\u2019t have enough insurance, these coverage types could help cover your costs.<\/li>\n\n\n\n<li><strong>Rideshare: <\/strong>If you participate in ridesharing services, you may need special insurance coverage. Few companies offer <a href=\"https:\/\/www.reviews.com\/insurance\/car\/why-you-need-rideshare-insurance\/\" class=\"achor-toggles\">rideshare coverage<\/a>, so be sure to choose wisely if you\u2019re considering using your car to earn some extra income.<\/li>\n\n\n\n<li><strong>Accident Forgiveness:<\/strong> You can generally expect your insurance rates to increase after an <a href=\"https:\/\/www.reviews.com\/insurance\/car\/how-car-accident-affect-insurance\/\" class=\"achor-toggles\">accident<\/a>. But with optional accident forgiveness coverage, your rates might stay the same after one accident.<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Frequently Asked Questions\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions <\/h2>\n\n\n<div id=\"block_621e36f9b94fb\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How much car insurance do I need in Oregon?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Drivers in Oregon must have at least the minimum amount of car insurance as required by law, which we outlined earlier in this article. Many drivers, however, may find that this is not enough to protect themselves and will opt for higher liability limits as well as add-on coverage like comprehensive and collision for their vehicle.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_621e3708b94fc\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How do I find the cheapest car insurance in Oregon?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Based on our research, the cheapest car insurance companies in Oregon are Oregon Mutual, Travelers and QBE. However, because car insurance is based on individual rating factors, your actual rates may vary. The best way to find the cheapest car insurance is to shop around and request quotes from more than one carrier to ensure you\u2019re getting the best rate.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers.&nbsp;<\/p>\n\n\n\n<p>For average pricing context, we referenced recent 2025 datasets from multiple independent sources \u2014 including <a class=\"achor-toggles\" href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a class=\"achor-toggles\" href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, <a class=\"achor-toggles\" href=\"https:\/\/www.thezebra.com\/auto-insurance\/oregon-car-insurance\/\">The Zebra<\/a> and <a class=\"achor-toggles\" href=\"https:\/\/insurify.com\/car-insurance\/oregon\/\">Insurify<\/a> \u2014 and we encourage readers to cross-check Oregon\u2019s <a class=\"achor-toggles\" href=\"https:\/\/dfr.oregon.gov\">DFR Auto Insurance Rate Comparison<\/a>. In those studies, \u201cfull coverage\u201d typically models liability limits similar to:<\/p>\n\n\n\n<ul>\n<li>$100,000 bodily injury liability per person<\/li>\n\n\n\n<li>$300,000 bodily injury liability per accident<\/li>\n\n\n\n<li>$50,000 property damage liability per accident<\/li>\n\n\n\n<li>$100,000 uninsured motorist bodily injury per person<\/li>\n\n\n\n<li>$300,000 uninsured motorist bodily injury per accident<\/li>\n\n\n\n<li>$500 collision deductible<\/li>\n\n\n\n<li>$500 comprehensive deductible<\/li>\n<\/ul>\n\n\n\n<p>Minimum coverage reflects Oregon\u2019s legal minimums. Our base-profile drivers typically own a late\u2011model sedan, commute five days a week and drive about 12,000 miles annually.&nbsp;<\/p>\n\n\n\n<p>These are sample rates and should only be used for comparative purposes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Finding the best car insurance in Oregon might take some research, but Reviews&#8217; comparison of top companies may make things easier. When reviewing insurance companies, we considered factors that are often a priority \u2013 such as price, customer satisfaction, and financial strength \u2013 to compile a list of the best car insurance companies in Oregon. [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":357345,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/template-refresh.php","meta":[],"categories":[1266],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Car Insurance in Oregon for 2025 | Reviews.com<\/title>\n<meta name=\"description\" content=\"Our review of the top Oregon auto insurance providers based on financial ratings, coverage options, availability, premiums, discounts, and more.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/car\/best-in-oregon\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" 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