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The cars with the least insurance costs in Oregon

Auto insurance is mandatory in the state of Oregon, and Oregon is one of the states that is well-known for strict enforcement of auto insurance laws. The annual average auto insurance rate in Oregon is $1387, which is $115 below the national average. Eugene and Lincoln are among the less expensive auto insurance neighborhoods, with average insurance rates of $924 and $996, respectively. Virginia Beach has a slightly higher rate, at $1105.

Most cars have low insurance rates in Eugene and Lincoln. A used Toyota Corolla, for example, is available for a median price of $15,995 in Eugene, and the cost to insure it for a year is a mere $789. Considering both the purchase costs and insurance rates, this is the most affordable car in Oregon.

A used Ford F-Series has a lower insurance rate in Eugene, at $774. However, its median price is $30,998. To out this median price into perspective, consider this: the Ford F-Series is available for a median price of $9976 in Macon, Georgia and $11496 in Springfield, Missouri. If you want to buy a Ford F-Series in Eugene, you could buy it from one of these states and have it shipped back home. This would save you a huge chunk of your upfront costs, even after you pay for shipping charges and auto transport insurance.

The cars which are likely to cost you the least insurance-wise are listed in the table below.

City Make Model Average Annual Insurance Rate ($)
Eugene Ford F-Series 774
Eugene Toyota Corolla 789
Eugene Chevrolet Silverado 796
Lincoln Ford F-Series 834
Eugene Honda CR-V 842

The Toyota Camry, Honda Civic, and Nissan Altima are, however, not as affordable to insure in Lincoln, with annual average insurance rates of $961, $993 and $1003, respectively. The Honda CR-V, Honda Accord, Honda Civic, Toyota Camry, and Nissan Altima have the most expensive insurance deals in Virginia Beach, with average insurance rates of $1007, $1027, $1066, $1099, and $1113, respectively.

Oregon Auto Insurance Rates

Below are the minimum, average and maximum insurance rate estimates for neighbourhoods in and around Oregon, OR.

Lowest Rate:$900
Average Rate:$1,400
Highest Rate:$1,800

Recent Savings From Top Providers in Oregon

Rank Customer Zipcode Amount Saved
1 97045 $358
2 97001 $351
3 97002 $349
4 97004 $347

Compare Auto Insurance Companies in Oregon

Company A.M Best Rating on
Financial Strength
Year Founded
Progressive A+ 1937
State Farm A++ 1922
Allstate A+ 1931
GEICO A++ 1936
Farmers A 1928
Nationwide A+ 1925
American Family A 1927

Oregon Auto Insurance Requirements

Minimum limits of liability for auto insurance in Oregon as per OR State Laws

Bodily Injury Liability

  • $25,000 for death/injury of any one person, per accident.
  • $50,000 for all persons per accident.

Property Damage Liability

  • $20,000 per accident.

Oregon Car Insurance Average Rates by Make

In addition to the location, one key factor that contributes to the insurance rates in Oregon is the vehicle's make and model. Especially the vehicle's theft rates in Oregon

MakeInsurance Average PremiumView Details
MakeInsurance Average PremiumView Details

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Latest Auto Insurance Reviews in Oregon

Allstate

$225 for a six month

Auto insurance costs me and my wife about $225 for a six month policy on our 2004 Honda Odyssey. We live in Medford, Oregon and both my driving record and my wife's driving record are immaculate with no accidents or tickets for many years. We are both in our 30s and have children. My wife does most of the driving as she is at home with the children, I ride my bicycle to work so I only do about 20% of the driving. Our auto insurance is with Allstate through local agent David Martin and we've been carrying full coverage through Allstate for about ten years now, we carry full coverage because it doesn't save us enough to drop to liability only so we feel safer. I love my insurance provider, they have helped me through some issues over the years that I never would have expected and have kept me coming back to them despite the possibility of a somewhat lower premium elsewhere. All in all I would rate Allstate as a 5+ on a 5 point scale based on their willingness to provide great service at all times.

GEICO

I checked out GEICO car insurance after seeing their flashy commercials. I chose to stay because of their 24/7 accident claim as well as their prepaid rental car service. Representatives are always polite when I've spoken to them on the phone, and always have the answers I'm looking for. I've found competitors to quote cheaper prices than my current plan, however the service GEICO provides is a security worth paying a few extra bucks for. For example, they offer no deductibles on all glass repairs, so I feel secure driving over rocky roads with dusty gravel spewing about. I chose to stay with GEICO for their driver incentives as well as their outstanding care for their clients. I highly recommend them and give them an overall 4/5, minus one star for being pricier than my competitors.