Cheap Car Insurance in Oregon
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Oregon Car Insurance Minimums
Oregon requires all drivers to carry minimum liability insurance. Here are the state-mandated minimums:
Bodily Injury (per person)
$25,000
Bodily Injury (per accident)
$50,000
Property Damage
$20,000
- Personal injury protection (PIP): $15,000
- Uninsured motorist bodily injury: $25,000/$50,000
- Underinsured motorist
Source: ORS 806.010; ORS 806.070; ORS 742.502; ORS 742.520, verified 2026-09-01.
What drives car insurance rates in Oregon
Average spend per insured vehicle, 2023
$1,170
Oregon drivers spent $1,170 per insured vehicle on liability, collision and comprehensive in 2023, against $1,282 nationally.
Claims paid per premium dollar, 2023
70.4¢
Auto insurers in Oregon paid 70.4 cents in claims for every premium dollar in 2023; the median state was 72 cents.
Traffic deaths per 100 million miles, 2024
1.44
Oregon recorded 538 traffic deaths in 2024, 1.44 per 100 million vehicle miles against 1.19 nationally. Injury claims follow crash severity.
Vehicle thefts per 100,000 residents, 2025
214.9
Oregon reported 9,185 motor vehicle thefts in 2025, 214.9 per 100,000 residents, from 292.1 the year before. Theft claims are paid under comprehensive coverage.
Natural-hazard loss rank
#20
FEMA ranks Oregon #20 of 51 for expected annual loss from natural hazards; earthquake accounts for 47% of that loss, and comprehensive coverage is what pays for earthquake damage.
- Average spend per insured vehicle, 2023: NAIC Auto Insurance Database Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Traffic deaths per 100 million miles, 2024: NHTSA Fatality Analysis Reporting System, 2024
- Vehicle thefts per 100,000 residents, 2025: FBI Crime in the United States, 2025
- Natural-hazard loss rank: FEMA National Risk Index
Largest auto insurers in Oregon
The ten insurer groups that wrote the most auto premium in Oregon in 2025, with their share of the state total of $4.4 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | State Farm Group | 22.96% | $1.0 billion |
| 2 | Progressive Group | 22.33% | $975 million |
| 3 | Berkshire Hathaway Group | 8.78% | $383 million |
| 4 | Allstate Insurance Group | 8.13% | $355 million |
| 5 | United Services Automobile Association Group | 6.67% | $291 million |
| 6 | Farmers Insurance Group | 6.65% | $290 million |
| 7 | Liberty Mutual Group | 6.24% | $273 million |
| 8 | Country Insurance & Financial Services Group | 3.56% | $155 million |
| 9 | American Family Insurance Group | 2.56% | $112 million |
| 10 | Travelers Group | 2.52% | $110 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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