Finding cheap car insurance in Oregon can sometimes be challenging, especially for drivers in their 20s and 30s.
In this blog, we have compiled a list of the cheapest and best car insurance companies in Oregon to help you make the right choice based on your age, driving history, and special circumstances like bad credit, speeding ticket, or DUI.
Here you’ll find a comparison of full coverage and minimum coverage options, tips for finding insurance discounts, and practical tips for finding cheap insurance. If you are looking for cheap and reliable car insurance, this post is for you.
How We Chose the Cheapest Car Insurance Companies in Oregon
When selecting cheap car insurance companies in Oregon, we prioritized companies that offer their services at affordable rates while providing comprehensive coverage. For this we analyzed the following parameters:
- Bodily Injury Liability:
- $100,000 coverage per person.
- Coverage of $300,000 per accident.
- The purpose of this coverage is to cover the medical expenses and legal responsibilities of persons injured in an accident.
- Property Damage Liability:
- Coverage of $50,000 per accident.
- It covers the expenses that may be incurred if someone else’s property is damaged in an accident.
- Uninsured Motorist Coverage:
- $100,000 coverage per person.
- Coverage of $300,000 per accident.
- This helps in situations where the person causing the accident does not have insurance.
- Collision Coverage:
- With a $1,000 deductible.
- It covers repair expenses for your vehicle, whether you or someone else is at fault.
- Comprehensive Coverage:
- With a $1,000 deductible.
- This coverage covers damages caused by theft, natural disasters, fire, or other non-collision.
Factors Considered in Evaluating Insurance Companies
When we selected the cheapest car insurance companies in Oregon, we considered the following key factors:
- Insurance Premium Rates: We studied premium rates for both minimum and full coverage to identify the most affordable options.
- Customer Reviews and Satisfaction: We analyzed online reviews and ratings to understand customer experience and satisfaction.
- Special Discounts: Preference was given to companies with young drivers, good driving records, and special offers such as multi-policy discounts.
- Ease of Claim Process: Those companies were selected whose claim process is fast, simple and reliable.
- Financial Stability: The financial position of the insurance company was evaluated to ensure that they could pay the large claim amount.
- Coverage Options: Companies’ coverage options were judged on how well they fit both minimum and full coverage.
- Driving Record and Credit History: Analyzed how companies set rates in situations such as a bad credit score, speeding ticket, or DUI.
Cheap Car Insurance in Oregon for 20-Year-Old Drivers
Finding cheap car insurance for 20-year-old drivers can be challenging as this age group is generally considered risky by insurance companies.
However, with proper information and comparison, you can choose an insurance plan that fits your budget. Below we have compiled cheap car insurance options for 20-year-old drivers in Oregon, taking into account a variety of factors.
Cheapest Full Coverage Car Insurance for 20-Year-Olds
Full coverage car insurance provides 20-year-old drivers with comprehensive protection for their vehicle. This coverage ensures financial protection in case of accident, natural disasters, theft, and other situations. The table below lists the cheapest full coverage car insurance options in Oregon for 20-year-old drivers:
| Company Name | Median Annual Premium | Median Monthly Premium |
|---|---|---|
| QBE | $2,056 | $171 |
| CIG | $2,272 | $189 |
| California Casualty | $2,767 | $231 |
| Kemper | $3,137 | $261 |
| Progressive | $3,676 | $306 |
Main characteristics:
- QBE and CIG are the most affordable options, with annual premiums under $2,500.
- If the budget is a little tighter, California Casualty and Kemper can be good options, offering comprehensive protection at moderate rates.
- Progressive may be a good fit for drivers who are willing to pay a higher premium but are looking for great services and features.
Cheapest Minimum Coverage Car Insurance for 20-Year-Olds
If your budget is limited, minimum coverage car insurance can be a professional and affordable option. This coverage meets the minimum requirements mandated by the state. The table below shows the cheapest minimum coverage insurance options for 20-year-old drivers in Oregon:
| Company Name | Median Annual Premium | Median Monthly Premium |
|---|---|---|
| QBE | $722 | $60 |
| CIG | $830 | $69 |
| California Casualty | $836 | $70 |
| Progressive | $1,196 | $100 |
| Travelers | $1,270 | $106 |
Main characteristics:
- QBE is the most affordable option, with a monthly premium of just $60.
- CIG and California Casualty are also affordable, with annual premiums under $900.
- If you’re looking for additional services and better coverage, you may want to consider Progressive and Travelers options.
Affordable Car Insurance for 20-Year-Olds with Poor Credit
Car insurance premiums can increase when you have a bad credit score, but some companies offer affordable options to such drivers. The table below shows affordable insurance options for 20-year-old drivers with bad credit:
| Company Name | Median Annual Premium | Median Monthly Premium |
|---|---|---|
| CIG | $1,218 | $102 |
| QBE | $1,462 | $122 |
| California Casualty | $1,697 | $141 |
| Geico | $1,698 | $141 |
| Progressive | $2,002 | $167 |
Main characteristics:
- CIG is the cheapest option for drivers with bad credit, with an annual premium of $1,218.
- QBE and California Casualty are also affordable options, with monthly premiums under $150.
- Progressive offers additional services and coverage options at higher premiums.
Cheapest Car Insurance for 20-Year-Olds with a Speeding Ticket
Insurance premiums may increase after receiving a speeding ticket, but some companies offer affordable options to such drivers. The table below shows cheap car insurance options for 20-year-old drivers regardless of speeding ticket:
| Company Name | Median Annual Premium | Median Monthly Premium |
|---|---|---|
| CIG | $918 | $77 |
| QBE | $956 | $80 |
| California Casualty | $1,091 | $91 |
| Progressive | $1,467 | $122 |
| Travelers | $1,574 | $131 |
Main characteristics:
- CIG and QBE are the most affordable options, with annual premiums under $1,000.
- California Casualty offers great coverage at moderate rates.
- Progressive and Travelers are suitable for drivers looking for additional services and comprehensive coverage.
Car Insurance Options for 20-Year-Olds with an At-Fault Crash
If you are found responsible for an accident, insurance companies may increase your premiums. However, some companies offer insurance options at affordable rates. The table below shows the cheapest insurance options for 20-year-old drivers responsible for an accident:
| Company Name | Median Annual Premium | Median Monthly Premium |
|---|---|---|
| QBE | $956 | $80 |
| CIG | $990 | $83 |
| California Casualty | $1,382 | $115 |
| Progressive | $1,469 | $122 |
| Travelers | $1,711 | $143 |
Main characteristics:
- QBE and CIG are the most affordable options, with annual premiums under $1,000.
- California Casualty and Progressive offer comprehensive coverage at moderate rates.
- Travelers comes with additional services at a higher premium.
Cheapest Car Insurance for 20-Year-Olds After a DUI
Insurance premiums increase after a DUI (Drunk Driving), but some companies offer affordable options even in such circumstances. The table below lists the cheapest car insurance options for 20-year-old drivers after a DUI:
| Company Name | Median Annual Premium | Median Monthly Premium |
|---|---|---|
| CIG | $1,147 | $96 |
| QBE | $1,270 | $106 |
| Progressive | $1,373 | $114 |
| California Casualty | $1,590 | $133 |
| Travelers | $1,904 | $159 |
Main characteristics:
- CIG is the cheapest option, with an annual premium of only $1,147.
- QBE and Progressive provide good services and coverage at moderate rates.
- California Casualty and Travelers offers the option of additional services and coverage with higher premiums.
Cheap Car Insurance in Oregon for 30-Year-Old Drivers
Car insurance for 30-year-old drivers can often be affordable as this age group is considered relatively low risk by insurance companies. However, driving record, credit score, and other factors can affect your premium. Here we’ve listed cheap car insurance options for 30-year-old drivers in Oregon in a variety of categories.
Cheapest Full Coverage Car Insurance for 30-Year-Olds
Full coverage car insurance provides comprehensive protection to 30-year-old drivers, including protection against accident, theft, natural disasters, and other risks. The table below shows the cheapest full coverage insurance options for 30-year-old drivers:
| Company Name | Median Annual Premium | Median Monthly Premium |
|---|---|---|
| QBE | $1,233 | $103 |
| California Casualty | $1,496 | $125 |
| CIG | $1,536 | $128 |
| Oregon Mutual | $1,670 | $139 |
| Kemper | $1,801 | $150 |
Main characteristics:
- QBE is the cheapest option, with a monthly premium of only $103.
- California Casualty and CIG offer reliable coverage at moderate premium rates.
- Oregon Mutual and Kemper are suitable for drivers looking for more comprehensive services and coverage.
Cheapest Minimum Coverage Car Insurance for 30-Year-Olds
Minimum coverage car insurance is an affordable option that meets Oregon state mandatory insurance requirements. This option is ideal for drivers who drive in low-risk areas and are looking for a budget-friendly insurance plan. The table below shows the cheapest minimum coverage insurance options for 30-year-old drivers:
| Company Name | Median Annual Premium | Median Monthly Premium |
|---|---|---|
| California Casualty | $379 | $32 |
| QBE | $548 | $46 |
| CIG | $610 | $51 |
| State Farm | $666 | $55 |
| Geico | $675 | $56 |
Main characteristics:
- California Casualty is the cheapest option, with an annual premium of only $379.
- QBE and CIG are also affordable options, with monthly premiums under $50.
- State Farm and Geico offer additional services at competitive rates for minimum coverage.
Affordable Car Insurance for 30-Year-Olds with Poor Credit
A bad credit score can increase insurance premiums, but some insurance companies offer affordable options even in this situation. The table below shows cheap car insurance options for 30-year-old drivers despite bad credit:
| Company Name | Median Annual Premium | Median Monthly Premium |
|---|---|---|
| California Casualty | $806 | $67 |
| CIG | $915 | $76 |
| Geico | $1,016 | $85 |
| QBE | $1,048 | $87 |
| Oregon Mutual | $1,120 | $93 |
Main characteristics:
- California Casualty is the cheapest option, with monthly premiums of just $67.
- CIG and Geico are also affordable options, suitable for drivers with bad credit.
- QBE and Oregon Mutual offer better services and coverage at higher rates.
Cheapest Car Insurance for 30-Year-Olds with a Speeding Ticket
Insurance premiums may increase after receiving a speeding ticket, but some companies offer affordable plans to such drivers. The table below shows the cheapest car insurance options for 30-year-old drivers regardless of speeding ticket:
| Company Name | Median Annual Premium | Median Monthly Premium |
|---|---|---|
| California Casualty | $567 | $47 |
| CIG | $652 | $54 |
| State Farm | $748 | $62 |
| QBE | $766 | $64 |
| Oregon Mutual | $862 | $72 |
Main characteristics:
- California Casualty is the cheapest option, with an annual premium of just $567.
- CIG and State Farm are also affordable options, with monthly premiums as low as $62.
- QBE and Oregon Mutual offer additional coverage options at higher premium rates.
Car Insurance Options for 30-Year-Olds with an At-Fault Crash
Being responsible for an accident may increase insurance premiums. However, some insurance companies provide affordable options to such drivers. The table below shows cheap insurance options for 30-year-old drivers if they are responsible for an accident:
| Company Name | Median Annual Premium | Median Monthly Premium |
|---|---|---|
| CIG | $684 | $57 |
| California Casualty | $715 | $60 |
| QBE | $766 | $64 |
| State Farm | $864 | $72 |
| Progressive | $940 | $78 |
Main characteristics:
- CIG is the cheapest option, with a monthly premium of just $57.
- California Casualty and QBE are also affordable options, with annual premiums under $800.
- State Farm and Progressive offer better coverage and services at higher premiums.
Cheapest Car Insurance for 30-Year-Olds After a DUI
Insurance premiums may increase after a DUI (Drunk Driving), but some insurance companies offer affordable insurance plans even in this situation. The table below shows the cheapest insurance options for 30-year-old drivers after a DUI:
| Company Name | Median Annual Premium | Median Monthly Premium |
|---|---|---|
| CIG | $764 | $64 |
| Progressive | $809 | $67 |
| California Casualty | $819 | $68 |
| State Farm | $971 | $81 |
| QBE | $1,055 | $88 |
Main characteristics:
- CIG is the cheapest option after DUI, with an annual premium of only $764.
- Progressive and California Casualty are also affordable options, with monthly premiums under $70.
- State Farm and QBE are a good fit for drivers looking for additional services and coverage.
Tips for Finding Cheap Car Insurance in Oregon
It is important to have the right strategy and research to get cheap car insurance in Oregon. Insurance rates depend on your age, driving record, credit score and coverage needs. Here are some effective tips that will help you make the right choice.
Compare Multiple Quotes
Comparing insurance plans helps you save money.
- How is it Beneficial:
- Premiums vary from insurance company to insurance company.
- You get a chance to know which company best suits your needs.
- Important Points:
- Get quotes from both local and national companies.
- Check the coverage, deductible and additional benefits in every quote.
Tools and Tips:
- Use online insurance comparison sites.
- Inquire personally by contacting an insurance agent.
- Decide according to your budget and coverage preferences.
Note: Instead of just choosing the cheaper option, make sure the company is trustworthy and good at customer service.
Consider Bundling Policies
If you’re thinking of purchasing more than one insurance plan, it may be cost-effective to bundle them from the same company.
Example:
- There are discounts available for auto and home insurance from the same provider.
- Add life or renters insurance along with car insurance.
Benefit:
- Bundling can save you 10% to 25%.
- Working with the same company is convenient and time-saving.
How to know:
- Ask the existing insurance company if they offer bundling.
- Get detailed information about discounts and benefits from companies.
Look for Discounts Based on Driving History
Insurance companies always appreciate safe driving and provide discounts for it.
- Possible Discounts:
- Safe Driving: Having a record free from accidents and traffic violations will earn you a lower premium.
- Usage-Based Insurance (UBI): Some companies set premiums based on your driving habits.
- Low Mileage Discount: If you drive less each year, it can reduce your premium.
- Driving Improvement Methods:
- Driving Safety Course: Insurance companies offer discounts for completing a course.
- Install safety devices such as anti-theft systems in your vehicle.
- How to Apply:
- Check your discount options when purchasing insurance.
- Review your policy periodically and apply for new discounts.
Conclusion
Finding cheap and reliable car insurance for 20 and 30-year-old drivers in Oregon can be difficult, but with the right information and strategy, you can make the right choice for your needs and budget.
In this post we give you the most affordable full coverage and minimum coverage options, plans based on factors like bad credit or driving history, and tips for lowering insurance premiums.