9 Best Car Insurance in Oregon of 2026

This list is for Oregon drivers comparing insurers on local rates, claims service and coverage options. We compared documented features, discounts, claims access and published prices on each insurer's own pages in November 2026. Rankozo weights value at 40%, features at 35% and ease of use at 25%. Oregon is an at-fault state, and every policy must include liability of $25,000 per person, $50,000 per accident and $20,000 for property damage, plus $15,000 of personal injury protection and uninsured motorist coverage of $25,000 per person and $50,000 per accident. Allstate, Progressive, The Hartford, Lemonade and Liberty Mutual publish Oregon price figures on their own pages, and we quote them; the others need a quote. PEMCO's site blocked our automated checks, so its facts come from an archived copy of its own auto page. GEICO, USAA, Nationwide, American Family and Farmers pages did not load for us and are left out.

1. 01Top value

   

   PEMCO Insurance

   8.8/10

   Seattle mutual insurer that sells customized car insurance only to Oregon and Washington residents and has served the Pacific Northwest for more than 75 years.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   9.2

   Features (35%)

   8.8

   Ease of use (25%)

   8.3

   Best forOregon drivers who want a Northwest insurer with local agents

   PEMCO is the regional pick on this list. The Seattle mutual sells customized car insurance only to Oregon and Washington residents and says it has served the Pacific Northwest for more than 75 years. Its auto page spells out the Oregon rules directly: personal injury protection and uninsured or underinsured motorist coverage are required here and PEMCO offers both. The PEMCODOMETER My Driving Discount runs in the Go PEMCO app, watches speed and phone use for 91 days and can cut the premium by up to 20%; every driver on the policy can join and earns a discount while being monitored. Discounts for educators, good students and defensive drivers stack with a multi-policy bundle. Licensed agents handle quotes and claims, and PEMCO says it has won more customer service awards than any other Northwest insurer. The weak spot is transparency: PEMCO publishes no Oregon price, and its live site blocked our checker, so confirm each discount on a real quote.

   • ✓Writes car insurance only for Oregon and Washington, so its agents work this market every day
   • ✓Says it has won more customer service awards than any other insurance company in the Northwest
   • ✓Covers occasional rental cars in the U.S. and Canada under your own policy

   • ✕No published rates, so you need a quote by phone, online or through an agent
   • ✕Rental company fee coverage is limited to Washington policyholders, not Oregon
   • ✕Its site blocked our automated checks, so we read an August 2026 archived copy of its auto page

   Where sold:

   Oregon and Washington

   Headquarters:

   Seattle, WA

   Safe driving discount:

   Up to 20% with PEMCODOMETER

   Phone:

   1-800-GO-PEMCO

   Bottom line: PEMCO is the best car insurance company in Oregon for most drivers because it writes policies only for Oregon and Washington and offers up to 20% off for safe driving. Get a second quote from Allstate or Progressive to check the price.

   Visit pemco.com ↗

2. 02

   

   Allstate

   8.7/10

   National insurer with local agents and online buying, plus an Oregon page that publishes what online customers paid.

   Price

   Customper month, Oregon average for liability only

   Oregon customers who bought online paid $81 a month on average for liability only, one driver and one vehicle

   “Allstate customers in Oregon who purchased online paid $81/month* – on average – for a liability-only auto insurance policy covering one driver and one vehicle.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.9

   Features (35%)

   8.5

   Ease of use (25%)

   8.6

   Best forbudget drivers who buy online

   Allstate publishes the lowest Oregon price we found on an insurer's own page: customers in Oregon who bought online paid $81 a month on average for a liability-only policy covering one driver and one car. That number is a useful floor, but a liability-only policy leaves your own car uncovered, so quote collision and comprehensive too if the car is financed or worth much. Discounts are where Allstate is strongest. Drivewise can cut up to 30% based on driving data, a home and auto bundle saves 20% on average, and a second car on the policy saves 25%. Oregon drivers can also add rideshare coverage, EV coverage, rental reimbursement and roadside assistance. Allstate sells online and through agents, and its app holds the electronic ID card that Oregon accepts at traffic stops. The trade-off is that its best prices depend on stacking discounts and sharing driving data.

   • ✓Lowest published Oregon average on this list at $81 a month for liability only
   • ✓Oregon discounts include anti-theft device, defensive driver, good student and student away at school
   • ✓Switchers saved $900 on average, according to Allstate

   • ✕The $81 figure covers liability only, not collision or comprehensive
   • ✕Average applies to online buyers with one driver and one car
   • ✕Drivewise savings depend on sharing driving data

   Oregon average:

   $81 a month, liability only, online buyers

   Telematics:

   Drivewise, up to 30%

   Multi-car saving:

   25%

   Bundle saving:

   20% on average

   Bottom line: Allstate is the best choice for Oregon drivers who want a low published price because online buyers paid $81 a month on average for liability only. Families with two or more cars gain most from its 25% multi-car saving.

   Visit allstate.com ↗

3. 03

   

   COUNTRY Financial

   8.6/10

   Bloomington, Illinois insurer that sells car insurance in 19 states, including Oregon, through local representatives.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   8.8

   Features (35%)

   8.7

   Ease of use (25%)

   8.0

   Best forteachers, first responders and new drivers

   COUNTRY Financial is a less familiar name in Oregon, but it lists the state among the 19 where it sells car insurance and backs its policies with local representatives. Its discount list is unusually specific. Teachers and first responders can get the Occupation Discount of up to 15%, the DriverIQ program can save up to 25% for safe driving, and a home and auto bundle can save up to 30%. Newly licensed drivers who finish the Simply Drive course may qualify for a discount, which helps families adding a teen. Optional coverages include roadside assistance, MedPay and personal injury protection, which Oregon requires. COUNTRY says AM Best has rated it A or higher since 1933 and A+ or higher since 1976, and that 8 in 10 clients would recommend it. It publishes no price, and it notes that discounts vary by state, so confirm which apply in Oregon on a quote.

   • ✓Rated A or higher by AM Best since 1933 and A+ or higher since 1976
   • ✓8 out of 10 clients recommend COUNTRY Financial, based on its 2026 client survey
   • ✓Local reps help with quotes, coverage reviews and claims

   • ✕No published Oregon price
   • ✕Sold in only 19 states, so coverage may not follow you if you move
   • ✕Discounts and availability vary by state

   States served:

   19, including Oregon

   Bundle saving:

   Up to 30%

   Occupation discount:

   Up to 15%

   AM Best:

   A+ or higher since 1976

   Bottom line: COUNTRY Financial is the best choice for Oregon teachers and first responders because its Occupation Discount reaches 15% and stacks with up to 30% for bundling. Ask a local rep which discounts apply in Oregon.

   Visit countryfinancial.com ↗

4. 04

   

   Progressive

   8.5/10

   National insurer sold online, by phone and through independent agents, with a published Oregon average rate.

   Price

   Customper month, Oregon average for liability only

   Progressive's Oregon average was $125.11 a month for a liability-only policy in 2025

   “Car insurance costs an average of $125.11 per month in Oregon for a liability-only policy from Progressive in 2025.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.0

   Features (35%)

   8.8

   Ease of use (25%)

   9.0

   Best fordrivers who compare prices online

   Progressive is the easiest insurer here to price before you talk to anyone. Its Oregon page says liability-only policies averaged $125.11 a month in 2025 and explains that Oregon requires more coverages than many states, which pushes premiums up. That is higher than Allstate's published average for online buyers, so Progressive is rarely the cheapest starting point, but its tools make comparison simple. AutoQuote Explorer lays out coverage options side by side, the Name Your Price tool works backward from a budget, and Snapshot rates you on real driving. Oregon discounts include multi-policy, multi-car and a discount for starting the quote online, and paying in full or using automatic payments lowers the price further. The multi-car discount can include a car at your address owned by a spouse, relative or roommate. Progressive says national switchers saved over $950 on average, but that figure is not specific to Oregon.

   • ✓Publishes an Oregon average rate, $125.11 a month for liability only in 2025
   • ✓Multi-car discount covers a car at your address owned by a spouse, family member or roommate
   • ✓National switchers saved over $950 on average, according to Progressive

   • ✕Its Oregon liability average is higher than Allstate's published figure
   • ✕Average excludes collision and comprehensive
   • ✕Savings claim is a national figure, not Oregon-specific

   Oregon average:

   $125.11 a month, 2025, liability only

   Ways to buy:

   Online, phone or independent agent

   Phone:

   1-855-347-3939

   Oregon discounts listed:

   Multi-policy, multi-car, online quote

   Bottom line: Progressive is the best choice for Oregon drivers who want to compare coverage online because it publishes a $125.11 monthly Oregon average and offers AutoQuote Explorer. Use it as a benchmark against PEMCO and Allstate.

   Visit progressive.com ↗

5. 05

   

   AARP Auto Insurance from The Hartford

   8.4/10

   Car insurance program for AARP members from The Hartford, offered in Oregon since 1984.

   Price

   $97per month

   As little as $97 a month in Oregon; Oregon customers paid an average of $1,166 a year

   “Pay as little as $97 ‡‡‡ a month in Oregon with the AARP Auto Insurance Program from The Hartford.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.3

   Features (35%)

   8.6

   Ease of use (25%)

   8.3

   Best forAARP members over 50

   The AARP Auto Insurance Program from The Hartford is the pick for Oregon drivers over 50. The Hartford has insured AARP members in Oregon since 1984 and publishes a state price: customers here paid an average of $1,166 a year, or about $97 a month. Benefits for members include accident forgiveness, a disappearing deductible, new car replacement and 24/7 claim service, and optional coverages include roadside assistance and rental car reimbursement. Bundling auto and home can save up to 12% on the car policy and up to 20% on the home policy, and The Hartford says bundlers saved $963 on average. The program is aimed at AARP members, so younger households should compare PEMCO, Allstate or Progressive instead. Buying is direct by phone or online rather than through a local office.

   • ✓Publishes an Oregon price: as little as $97 a month, average $1,166 a year
   • ✓Has insured AARP members in Oregon since 1984
   • ✓Bundling customers saved $963 on average, according to The Hartford

   • ✕Built for AARP members, so younger drivers have better options
   • ✕No local agent network like State Farm or COUNTRY
   • ✕The $97 figure is an Oregon average, so your price can be higher

   Oregon average:

   $1,166 a year, about $97 a month

   In Oregon since:

   1984

   Bundle saving:

   Up to 12% on auto

   Claims:

   24/7

   Bottom line: AARP Auto Insurance from The Hartford is the best choice for Oregon drivers over 50 because it publishes a $97 monthly Oregon price and includes accident forgiveness and new car replacement. Younger drivers should look elsewhere.

   Visit thehartford.com ↗

6. 06

   

   Lemonade Car

   8.3/10

   App-based car insurance that prices Oregon policies by the mile, with a monthly base rate plus a per-mile charge.

   Price

   Customper year, Oregon estimated average

   Estimated Oregon average of $1,022 to $1,062 a year; the monthly bill is a base price plus miles driven

   “The average estimated cost of Lemonade car insurance in Oregon ranges from roughly $1,022 to $1,062 per year*.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.4

   Features (35%)

   7.8

   Ease of use (25%)

   9.0

   Best forlow-mileage drivers

   Lemonade Car suits Oregon drivers who leave the car parked most days. Each month you pay a fixed base price plus your miles driven times a per-mile rate, and Lemonade estimates the average Oregon policy at roughly $1,022 to $1,062 a year. Safe driving data, including speed, braking and turns, can lower the price further, and Lemonade lists a three-year safe driving discount and a five-year accident-free discount. Because Lemonade sells renters, homeowners, pet and life insurance in Oregon, bundling is easy for households that already use it. Coverage options include collision, comprehensive, PIP, uninsured driver bodily injury and property damage, and temporary transportation for up to 30 days while your car is in the shop. Everything, including claims, runs through the app. Daily commuters will likely pay less with a flat-rate insurer, since every mile adds to the bill.

   • ✓Estimated Oregon average of $1,022 to $1,062 a year
   • ✓Three-year safe driving and five-year accident-free discounts
   • ✓Sells renters, homeowners, pet and life insurance in Oregon for bundling

   • ✕Monthly bill rises with every mile, so long commutes cost more
   • ✕App-first service, with no local agents
   • ✕Price estimate is an average, not a guaranteed starting rate

   Oregon estimate:

   $1,022 to $1,062 a year

   Pricing model:

   Base price plus per-mile rate

   Temporary transportation:

   Up to 30 days

   Oregon bundles:

   Renters, home, pet, life

   Bottom line: Lemonade Car is the best choice for low-mileage Oregon drivers because it bills a base price plus a per-mile rate, with an estimated Oregon average of about $1,022 to $1,062 a year. Long-distance commuters should compare flat-rate insurers.

   Visit lemonade.com ↗

7. 07

   

   State Farm

   8.3/10

   Mutual insurer with over 19,000 auto insurance agents nationwide that has insured cars since 1922.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   7.9

   Features (35%)

   8.6

   Ease of use (25%)

   8.4

   Best forfamilies with teen drivers

   State Farm is the agent-first option for Oregon families. It has insured cars since 1922, lists over 19,000 auto insurance agents nationwide, and says it serves more than 96 million policies and accounts. Two programs matter most here. Drive Safe & Save can cut up to 30% for safe driving, and Steer Clear saves as much as 20% for drivers under 25 who have had no at-fault accidents or moving violations in three years, which makes State Farm a strong quote for households adding a teen. Bundling auto with renters insurance can save up to $900, and State Farm says switchers save $740 on average. Coverage options include liability, comprehensive, collision and uninsured or underinsured motorist. Claims can be filed online, in the app or by phone. State Farm does not publish an Oregon price, so you will need a quote from an agent or online to compare.

   • ✓Over 19,000 auto insurance agents nationwide
   • ✓Switchers saved $740 on average, according to State Farm
   • ✓Insuring cars since 1922

   • ✕No published Oregon price
   • ✕Steer Clear only helps drivers under 25
   • ✕Savings figures are national, not Oregon-specific

   Agents:

   Over 19,000 auto agents

   Telematics:

   Drive Safe & Save, up to 30%

   Young driver program:

   Steer Clear, up to 20%

   Switch savings:

   $740 on average, national

   Bottom line: State Farm is the best choice for Oregon families with young drivers because Steer Clear can save up to 20% for drivers under 25. Its large agent network suits people who want in-person help.

   Visit statefarm.com ↗

8. 08

   

   Liberty Mutual

   8.0/10

   National insurer with online buying, local agents and an Oregon page that publishes the state's average full coverage cost.

   Price

   Customper month, Oregon average for full coverage

   Liberty Mutual puts Oregon's average full coverage cost at about $157 a month, $1,884 a year

   “The average cost of “full” coverage car insurance in Oregon is about $157 per month, or $1,884 per year.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   7.6

   Features (35%)

   8.3

   Ease of use (25%)

   8.1

   Best fordrivers who want full coverage online

   Liberty Mutual is useful for Oregon drivers who need full coverage, because its Oregon page gives a concrete benchmark: the average cost of full coverage in the state is about $157 a month, or $1,884 a year, as of November 2026. That is a state average rather than Liberty Mutual's own starting price, and it is the highest monthly figure on this list because it includes comprehensive and collision. Discounts include RightTrack, which can save up to 30% for safe driving, an online purchase discount and a bundle discount, and Liberty Mutual says switchers could save over $700. You can buy online or work with a local agent. Its Oregon page also lays out the minimums clearly: 25/50/20 liability, $15,000 PIP and 25/50 uninsured motorist. Without a published Oregon starting rate, Liberty Mutual ranks below insurers that show their own prices.

   • ✓Publishes an Oregon full coverage benchmark of about $157 a month
   • ✓Switchers could save over $700, according to Liberty Mutual
   • ✓Oregon page explains the 25/50/20 minimums plus PIP and UM limits

   • ✕The $157 figure is a state average, not Liberty Mutual's own starting rate
   • ✕Highest published monthly figure on this list
   • ✕Most savings depend on telematics or bundling

   Oregon full coverage average:

   About $157 a month, $1,884 a year

   Telematics:

   RightTrack, up to 30%

   Switch savings:

   Over $700

   Ways to buy:

   Online or local agent

   Bottom line: Liberty Mutual is the best choice for Oregon drivers buying full coverage online because RightTrack can save up to 30% and its Oregon page sets a $157 monthly full coverage benchmark. Compare it with Allstate and Progressive.

   Visit libertymutual.com ↗

9. 09

   

   Travelers

   7.7/10

   National insurer sold through independent agents, by phone and online.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   7.7

   Features (35%)

   7.8

   Ease of use (25%)

   7.6

   Best fordrivers who use an independent agent

   Travelers fits Oregon drivers who already work with an independent insurance agent. You can buy through an independent agent, by phone or online. Discounts are fewer and less specific than at Allstate or State Farm. The Safe Driver Discount applies if your household has had no accident, violation or major comprehensive claim in three to five years, the good student discount needs a B average or better, and a multi-policy discount covers bundles with home, condo, renters and boat insurance. Claims can be reported 24/7 and tracked in a MyTravelers account. Travelers publishes no Oregon price and has no Oregon-specific page that we could load, so it ranks last here on value and transparency, but an independent agent can quote it alongside PEMCO and Progressive in one visit.

   • ✓Sold through independent agents who can compare it with other insurers
   • ✓Claims can be tracked online in a MyTravelers account
   • ✓Bundles car with home, condo, renters and boat policies

   • ✕No published price on its car insurance page
   • ✕Fewer named discounts than Allstate or State Farm
   • ✕Little Oregon-specific information on its site

   Claim tracking:

   MyTravelers account

   Good student:

   B average or better

   Claims:

   24/7 reporting

   Ways to buy:

   Independent agent, phone or online

   Bottom line: Travelers is the best choice for Oregon drivers who shop through an independent agent because the same agent can quote it next to other carriers. Households with a clean record for three to five years qualify for its Safe Driver Discount.

   Visit travelers.com ↗

Questions or corrections: editorial@rankozo.comSee our disclosure. Prices change; confirm on the vendor page before buying.