Best Cheap Car Insurance in Oregon 2025: Affordable Rates and Top Providers

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Best Cheap Car Insurance in Oregon for July 2025

Oregon drivers usually pay about $76 each month for minimum coverage. For full coverage, the price is around $180. These costs are a bit higher than the average in the country, but you can still find good prices if you pick the right company. It does not matter if you are new behind the wheel, have been driving for many years, or have some problems on your driving record. There are some ways to get good and cheap auto insurance. This shows the most affordable car insurance companies in Oregon for July 2025. You will also see tips for how to save money on your car insurance and still keep your coverage strong.

Most Affordable Car Insurance Options in Oregon for July 2025

State Farm: Best Overall Affordable Rates

State Farm often has good rates in Oregon, mainly for drivers who have no marks on their record. Its lowest coverage plans start at about $57 per month. This is less than the state average. The company gives strong options if you need to cover others’ costs. You can also add extra choices like uninsured motorist and full coverage that covers almost any damage. With many agents to help you and the chance to change your coverage to fit your needs, State Farm is a good pick if you want value and savings.

GEICO: Best for Discounts

GEICO is known to give good discounts to safe drivers. If you finish a driving safety class, you can also save money. You will get lower prices when you put more than one policy together. The starting price for basic insurance is about $50 each month, so it can be good for many people in Oregon. They give even more savings if your car has safety tools or if you do not drive very much. This makes GEICO the right pick for both people and families.

Progressive: Flexible for Diverse Needs

Progressive gives you flexible policies. These are good for many kinds of drivers. The company has a rate comparison tool. This lets people check which low-cost premium fits them. You can get coverage that starts at about $56 a month if you get the minimum plan. Progressive is a good choice for people who need collision or full coverage. It also works well for those who have different driving backgrounds.

Country Financial: Ideal for Young Drivers

Young drivers can see that premiums are often high. But Country Financial has rates that start at about $137 each month. They put a lot of focus on driver education. The company gives discounts if you keep good grades or finish safe driving courses. Country Financial is flexible. They care a lot about driver education. This is good for new drivers who want value and feel safe with their coverage.

USAA: Best for Military Families

USAA gives good help and prices to people who are in the military, both now and in the past, and to their families. The coverage you get comes with PIP, property damage, and protection for accidents when the other driver does not have insurance. You can also save more money if you bundle plans and if you keep a good driving record. Many customers feel happy with USAA, and the company has special help for military families. In Oregon, USAA is one of the top options for those in the military and their loved ones.

Travelers: Affordable Full Coverage

Travelers has low-cost full coverage choices that give you help if you have a car crash, if your car gets damaged in other ways, or if you have any injury in an accident. You can change your policy to fit your needs by picking the limits and how much you want to pay out-of-pocket. Travelers is a good option for people who want total help at low prices. This is true for young adults, families, and anyone who wants good value.

Farmers: Competitive for Senior Drivers

Farmers Insurance has plans made for older drivers. You can often get lower prices because of your years behind the wheel and a safe driving record. There are discounts if you finish a special driving class. The company has good help at every step and different ways to pay. Farmers is a great choice for seniors in Oregon who want coverage they can count on and prices that are not too high.

Allstate: Strong Bundling Discounts

Allstate lets you save a lot when you bundle car insurance with home or renters insurance. The company gives you all the usual protection and helpful online tools to manage your policies. Allstate is a good choice for families who want to make insurance easier and pay less for the whole year.

American Family: Noted for Customer Service

American Family Insurance stands out because people feel happy with the service and get help that meets their needs. The agents take time to help each person know what their coverage means and what discounts they can get. The website is easy to use, and many people say good things about the claims help. This is a good company for anyone getting insurance for the first time in Oregon.

Nationwide: Best for High-Risk Drivers

Nationwide gives easy-to-get coverage for drivers who may have a lot of tickets or not much credit history. Their plans cover things like basic insurance, accidents with uninsured drivers, and PIP. The company helps drivers with learning tools and good customer support. This can help people fix their driving record as time goes on.

Cheapest Minimum Coverage Car Insurance in Oregon

Basic liability coverage includes:

Companies like State Farm, GEICO, and Country Financial give you rates that are much lower than what most people in the state pay. Your price will change depending on things like your age, where you live, your credit, and how you drive.

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Cheapest Full Coverage Car Insurance in Oregon

Full coverage includes:

• Bodily injury and damage to property
• Coverage if you crash into something
• Coverage for other types of damage
• Coverage if you get hurt in a crash
• Coverage if the other driver has no insurance or not enough insurance

Companies like State Farm, American Family, and Travelers have good full coverage options at low prices. These are best for people who have clean driving records or people who can get bundling and safe-driving discounts.

Car Insurance Costs by Age Group in Oregon

Senior drivers often get lower premiums because they have more experience and drive fewer miles. Teens can cut costs if they have good grades or if they join family plans.

Affordable Insurance for High-Risk Drivers

To get lower rates, you can take a driving class that helps you stay safe on the road, choose higher deductibles, or keep your insurance going without any breaks.

FAQs

What is the average cost of car insurance in Oregon?

The average cost of car insurance in Oregon in July 2025 is about $76 each month for the minimum coverage. If you want full coverage, you can expect to pay between $800 and $1,200 each year. This amount can change based on your age, how you drive, and where you live.

How can I reduce my car insurance premium in Oregon?

Raise your deductible to lower your payment. Bundle some policies together if you can. Try to keep a good credit score. Take a safe driving course. Shop around now and then so you can compare rates and get the best deal.

Is car insurance required in Oregon?

Yes. In Oregon, the law says all drivers must have at least the lowest amount of car insurance. This means you need to have liability, PIP, and uninsured motorist coverage. If you drive without it, you can get a fine, lose your license for some time, and face other legal trouble.

Which company gives the best discounts in Oregon?

GEICO, State Farm, and Progressive all give many types of discounts. You can get discounts for being a good student, a safe driver, having several policies with them, or driving a car with safety features.

Final Thoughts

Getting affordable car insurance in Oregon is possible if you know what steps to take. No matter if you are a teen driver, a senior, or in the military, you will find many providers who have plans meant for your needs. You should compare quotes, look at discounts, and read about the coverage to get the best deal for both cost and what it gives you. It is good to stay informed and check your policy from time to time. This can help you make better choices with your money while you are on the road.

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Reviewed and edited by Albert Fang.

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Article Title: Best Cheap Car Insurance in Oregon 2025: Affordable Rates and Top Providers

https://fangwallet.com/2025/10/14/best-cheap-car-insurance-in-oregon-2025-affordable-rates-and-top-providers/

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