BudgetAutoRates affordability gauge: Oregon premiums vs state median income. Lower claim costs than most states keep the needle toward the green.
| Company | Liability / mo | Full coverage / mo | Best for |
|---|---|---|---|
| State Farm | $54 | $117 | Overall cheapest |
| GEICO | $59 | $129 | Digital-first drivers |
| Progressive | $69 | $149 | High-risk / SR-22 |
| Allstate | $80 | $174 | Bundling home + auto |
| Farmers | $87 | $189 | Agent relationships |
| Liberty Mutual | $95 | $206 | Custom coverage add-ons |
Illustrative estimates for layout and comparison purposes; see our methodology.
Oregon requires liability coverage on every registered vehicle. The legal floor:
Minimum coverage keeps you legal, not necessarily solvent: the average new truck costs more than $20,000 to replace, so one at-fault accident can outrun your property-damage limit.
PIP and UM/UIM required (add-on no-fault benefits).
Minimums cross-checked against Insurance Information Institute and state DOI sources, July 2026; see our methodology. Rules change; verify current minimums with your state's Department of Insurance.
Oregon rates average about 6% below the national average, near $87/mo for liability and $189/mo for full coverage. Lighter traffic, fewer claims, and lower repair costs keep pricing down, and comparing 3 or more quotes can push your rate lower still.
Fines, license and registration suspension, SR-22 filings, and reinstatement fees, with exact amounts set by Oregon law. Check current penalties with the Oregon Department of Insurance, then let Scout dig up a minimum-coverage policy that costs less than the paperwork.
BudgetAutoRates