Here’s a breakdown of how we reviewed and rated the top auto insurance providers
Key Takeaways
- Progressive offers coverage exclusively to military members, veterans and their families and is the cheapest option for minimum-coverage car insurance in Oregon, with an average rate of $72 per month. Progressive also has the cheapest full coverage in the state at an average of $164 per month.
- Minimum-coverage car insurance costs $101 per month on average in Oregon. Full coverage in the state averages $230 per month.
- Cheapest Minimum Coverage Progressive ($72)
- Cheapest Full Coverage Progressive ($164)
- Cheapest for Teens Travelers ($216)
- Cheapest for Young Adults USAA ($65)
- Cheapest for Adults USAA ($58)
- Cheapest for Seniors Progressive ($71)
- Cheapest for Bad Credit Progressive ($88)
- Cheapest for After a DUI State Farm ($73)
- Cheapest for After an Accident USAA ($82)
- Cheapest for After a Speeding Ticket USAA ($70)
- Cheapest for After a Texting-While-Driving Ticket USAA ($70)
What Is the Cheapest Car Insurance Company in Oregon?
Progressive is the cheapest car insurance company in Oregon for minimum coverage, with an average rate of $72 per month. This is about 29% cheaper than the state average. Progressive also has the most affordable full coverage in the state with an average rate of $164 per month, that’s 29% cheaper than the state average.
To calculate average car insurance rates in Oregon, we analyzed 149,224 quotes sourced from Quadrant Information Services. These quotes covered 270 ZIP codes in the state. Unless otherwise noted, rates apply to the base profile of a single, 35-year-old male with a clean driving record and good credit who is insuring a 2023 Toyota Camry.
The table below features the cheapest Oregon car insurance providers for a variety of driver profiles.
| Oregon Car Insurance Category | Cheapest Provider | Minimum-Coverage Monthly Rate | State Average Minimum-Coverage Monthly Rate |
|---|---|---|---|
| Teens (16-year-olds) | Travelers | $216 | $291 |
| Young Adults (25-year-olds) | USAA | $65 | $99 |
| Adults (35-year-olds) | USAA | $58 | $86 |
| Seniors (75-year-olds) | Progressive | $71 | $99 |
| Bad Credit | Progressive | $88 | $160 |
| After a DUI | State Farm | $73 | $158 |
| After an Accident | USAA | $82 | $131 |
| After a Speeding Ticket | USAA | $70 | $115 |
| After a Texting-While-Driving Ticket | USAA | $70 | $119 |
Oregon drivers are required to carry bodily injury liability car insurance with limits of $25,000 per person and $50,000 per accident, as well as property damage liability coverage of $20,000 per accident. Drivers in the Beaver State also must carry uninsured motorist bodily injury liability coverage of $25,000 per person and $50,000 per accident, as well as personal injury protection of $15,000 per person. As an at-fault car insurance state, Oregon drivers who cause accidents are responsible for other drivers’ medical costs and repair bills.
Cheapest Car Insurance by City in Oregon
Car insurance rates in Oregon can vary by city, town and ZIP code. Different parts of the state have unique risk factors for drivers and car owners and rates reflect these potential liabilities.
Below we’ve listed the cheapest provider and average monthly full coverage rates for select towns and cities in Oregon.
| City | Cheapest Provider | Cheapest Provider Premium |
|---|---|---|
| Adams | Travelers | $121 |
| Albany | Progressive | $111 |
| Aloha | Progressive | $127 |
| Alsea | Progressive | $126 |
| Altamont | Travelers | $127 |
| Amity | Progressive | $159 |
| Ashland | Progressive | $115 |
| Astoria | Progressive | $126 |
| Aumsville | Progressive | $155 |
| Aurora | Progressive | $169 |
| Azalea | Progressive | $123 |
| Baker City | Progressive | $112 |
| Banks | Progressive | $158 |
| Bay City | Progressive | $127 |
| Bayside Gardens | Progressive | $127 |
| Beavercreek | Progressive | $188 |
| Beaverton | Progressive | $156 |
| Bend | Progressive | $120 |
| Bethany | Progressive | $138 |
| Blachly | Progressive | $128 |
| Blodgett | Progressive | $145 |
| Blue River | Travelers | $162 |
| Boardman | Progressive | $107 |
| Bonanza | Travelers | $130 |
| Boring | Progressive | $195 |
| Brightwood | Progressive | $181 |
| Brookings | Progressive | $119 |
| Burns | Progressive | $118 |
| Butte Falls | Travelers | $125 |
| Buxton | Progressive | $166 |
| Canby | Progressive | $127 |
| Cannon Beach | Progressive | $127 |
| Canyonville | Progressive | $124 |
| Carlton | Progressive | $157 |
| Cascade Locks | Progressive | $131 |
| Cascadia | Travelers | $151 |
| Central Point | Progressive | $115 |
| Cheshire | Progressive | $152 |
| Christmas Valley | Travelers | $131 |
| Clackamas | Progressive | $143 |
| Cloverdale | Progressive | $129 |
| Coos Bay | Progressive | $116 |
| Cornelius | Progressive | $133 |
| Corvallis | Progressive | $106 |
| Cottage Grove | Progressive | $113 |
| Cove | Progressive | $112 |
| Crawfordsville | Progressive | $141 |
| Creswell | Progressive | $113 |
| Dallas | Progressive | $117 |
| Damascus | Progressive | $157 |
| Dayton | Progressive | $149 |
| Deer Island | Travelers | $129 |
| Depoe Bay | Progressive | $118 |
| Dexter | Progressive | $117 |
| Dorena | Progressive | $145 |
| Drain | Progressive | $118 |
| Dundee | Progressive | $152 |
| Eagle Creek | Progressive | $153 |
| Eagle Point | Progressive | $121 |
| Echo | Progressive | $114 |
| Elgin | Travelers | $117 |
| Elkton | Travelers | $127 |
| Elmira | Progressive | $124 |
| Eugene | Progressive | $113 |
| Fairview | Progressive | $158 |
| Fall Creek | Progressive | $115 |
| Florence | Progressive | $114 |
| Forest Grove | Progressive | $128 |
| Foster | Travelers | $123 |
| Gales Creek | Progressive | $167 |
| Garibaldi | Progressive | $127 |
| Gaston | Progressive | $166 |
| Gates | Progressive | $125 |
| Gervais | Travelers | $143 |
| Gladstone | Progressive | $133 |
| Gleneden Beach | Progressive | $152 |
| Glide | Progressive | $130 |
| Gold Hill | Progressive | $121 |
| Grand Ronde | Progressive | $129 |
| Grants Pass | Progressive | $114 |
| Grass Valley | Travelers | $131 |
| Gresham | Progressive | $194 |
| Haines | Progressive | $111 |
| Halsey | Progressive | $114 |
| Hammond | Progressive | $131 |
| Happy Valley | Progressive | $157 |
| Harrisburg | Progressive | $123 |
| Hayesville | Progressive | $139 |
| Hermiston | Progressive | $104 |
| Hillsboro | Progressive | $156 |
| Hines | Progressive | $118 |
| Hood River | Progressive | $114 |
| Imbler | Progressive | $112 |
| Imnaha | Progressive | $155 |
| Independence | Progressive | $120 |
| Ione | Progressive | $126 |
| Irrigon | Progressive | $109 |
| Jacksonville | Progressive | $154 |
| Jefferson | Progressive | $121 |
| Junction City | Progressive | $121 |
| Keizer | Progressive | $135 |
| Klamath Falls | Travelers | $128 |
| La Grande | Progressive | $108 |
| Lafayette | Progressive | $158 |
| Lake Oswego | Progressive | $123 |
| Lakeside | Progressive | $112 |
| Lakeview | Travelers | $129 |
| Lebanon | Progressive | $116 |
| Lexington | Progressive | $121 |
| Lincoln City | Progressive | $118 |
| Lowell | Progressive | $116 |
| Manning | Progressive | $163 |
| Manzanita | Progressive | $127 |
| Mapleton | Progressive | $151 |
| Maupin | USAA | $140 |
| McMinnville | Progressive | $155 |
| Medford | Progressive | $108 |
| Mehama | Progressive | $158 |
| Merlin | Progressive | $123 |
| Mill City | Progressive | $126 |
| Milton-Freewater | Travelers | $127 |
| Milwaukie | Progressive | $142 |
| Molalla | Progressive | $151 |
| Monmouth | Progressive | $117 |
| Monroe | Progressive | $117 |
| Monument | Travelers | $132 |
| Mosier | Progressive | $118 |
| Mount Angel | Progressive | $140 |
| Mount Hood Parkdale | Progressive | $127 |
| Mount Vernon | Travelers | $122 |
| Myrtle Creek | Progressive | $151 |
| Newberg | Progressive | $127 |
| Newport | Progressive | $119 |
| North Bend | Progressive | $114 |
| North Plains | Progressive | $167 |
| North Powder | Progressive | $110 |
| Noti | Travelers | $168 |
| Nyssa | Progressive | $122 |
| O Brien | Progressive | $161 |
| Oak Grove | Progressive | $139 |
| Oakridge | Progressive | $122 |
| Ontario | Progressive | $119 |
| Oregon City | Progressive | $172 |
| Otis | Progressive | $128 |
| Pendleton | Progressive | $107 |
| Philomath | Progressive | $148 |
| Phoenix | Progressive | $122 |
| Portland | Progressive | $188 |
| Post | Progressive | $121 |
| Prineville | Progressive | $120 |
| Rainier | Travelers | $163 |
| Raleigh Hills | Progressive | $131 |
| Redmond | Progressive | $116 |
| Reedsport | Progressive | $115 |
| Rhododendron | Progressive | $147 |
| Richland | Progressive | $119 |
| Rockaway Beach | Travelers | $129 |
| Rogue River | Progressive | $151 |
| Roseburg | Progressive | $123 |
| Roseburg North | Progressive | $120 |
| Salem | Progressive | $124 |
| Scappoose | Progressive | $128 |
| Scotts Mills | Progressive | $130 |
| Seal Rock | Progressive | $117 |
| Seaside | Progressive | $127 |
| Selma | Progressive | $132 |
| Shady Cove | USAA | $124 |
| Shedd | Progressive | $117 |
| Sheridan | Progressive | $124 |
| Sherwood | Progressive | $126 |
| Silverton | Progressive | $132 |
| Sisters | Travelers | $154 |
| Sixes | Progressive | $116 |
| Springfield | Progressive | $111 |
| St. Helens | Progressive | $126 |
| St. Paul | Progressive | $131 |
| Stanfield | Progressive | $114 |
| Stayton | Progressive | $148 |
| Sublimity | Progressive | $119 |
| Summerville | Travelers | $114 |
| Sutherlin | Progressive | $120 |
| Sweet Home | Travelers | $122 |
| Swisshome | Progressive | $124 |
| Talent | Progressive | $151 |
| Tangent | Progressive | $111 |
| Terrebonne | Progressive | $153 |
| The Dalles | Progressive | $115 |
| Tigard | Progressive | $136 |
| Tiller | Travelers | $127 |
| Toledo | Progressive | $118 |
| Tolovana Park | Progressive | $130 |
| Trail | Travelers | $128 |
| Tri-City | Progressive | $122 |
| Troutdale | Progressive | $153 |
| Tualatin | Progressive | $126 |
| Tygh Valley | Travelers | $159 |
| Umatilla | Progressive | $108 |
| Union | Progressive | $113 |
| Veneta | Progressive | $148 |
| Vida | Travelers | $151 |
| Walterville | Travelers | $149 |
| Warm Springs | USAA | $140 |
| Warrenton | Progressive | $126 |
| Welches | Progressive | $152 |
| West Linn | Progressive | $128 |
| White City | Travelers | $124 |
| Willamina | Progressive | $129 |
| Williams | Progressive | $128 |
| Wilsonville | Progressive | $135 |
| Winston | Progressive | $121 |
| Wolf Creek | Progressive | $129 |
| Woodburn | USAA | $148 |
| Yachats | Progressive | $120 |
| Yoncalla | Progressive | $119 |
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Cheapest Car Insurance Coverage in Oregon
The most significant factor that impacts your car insurance costs is the type of coverage you purchase. While you can customize your insurance policy with specific deductibles and liability limits, coverage generally falls into two categories: minimum-liability policies and full-coverage policies.
A minimum-liability policy covers other drivers’ medical bills and property damage if you’re found at fault for an accident. Full coverage, on the other hand, protects your property as well.
In the following section, you’ll find the cheapest options for both minimum and full coverage in Oregon.
Cheapest Oregon Minimum-Coverage Auto Insurance
Oregon Average Minimum-Coverage Cost: $101 per month
Progressive offers the cheapest minimum-coverage rates in Oregon, with monthly costs that are 29% cheaper than the statewide average. If you don’t qualify for Progressive coverage, USAA is a good second choice for cheap liability coverage.
| Company | Average Monthly Minimum-Coverage Rate | Monthly Savings Compared to Oregon Average ($) | Monthly Savings Compared to Oregon Average (%) |
|---|---|---|---|
| Progressive | $72 | $29 | 29% |
| USAA | $74 | $28 | 27% |
| California Casualty | $76 | $25 | 25% |
| Geico | $77 | $24 | 24% |
| Travelers | $80 | $21 | 20% |
Cheapest Oregon Full-Coverage Auto Insurance
Oregon Average Full-Coverage Cost: $230 per month
Progressive offers the cheapest full-coverage auto insurance, with rates that are 29% cheaper than the state average.
| Company | Average Monthly Full-Coverage Rate | Monthly Savings Compared to Oregon Average ($) | Monthly Savings Compared to Oregon Average (%) |
|---|---|---|---|
| Progressive | $164 | $66 | 29% |
| Travelers | $178 | $52 | 23% |
| Mutual of Enumclaw | $187 | $43 | 19% |
| USAA | $199 | $31 | 14% |
| State Farm | $210 | $20 | 9% |
Cheapest Car Insurance in Oregon by Age
Your age is another major factor in determining the price you’ll pay for car insurance. For instance, teen drivers in Oregon can expect to pay more for car insurance coverage than older drivers in the state due to their lack of experience on the road.
Below, you’ll find rates for the cheapest car insurance for Oregon drivers based on age.
Cheapest Auto Insurance for Teens
Oregon Minimum-Coverage Average for Teen Drivers: $291 per month
Oregon Full-Coverage Average for Teen Drivers: $552 per month
See the cheapest rates for 16-year-old Oregon drivers who purchase their own policy below.
| Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| Travelers | $216 |
| Country Financial | $227 |
| Geico | $229 |
| State Farm | $240 |
| Progressive | $249 |
*Rates are for 16-year-old drivers with no driving violations who own a 2023 Toyota Camry and purchase their own policy.
| Company | Average Monthly Full-Coverage Rate |
|---|---|
| Progressive | $509 |
| Travelers | $526 |
| Country Financial | $542 |
| State Farm | $544 |
| Viking Insurance Company | $581 |
*Rates are for 16-year-old drivers with no driving violations who own a 2023 Toyota Camry and purchase their own policy.
Cheapest Auto Insurance for Young Adults
Oregon Minimum-Coverage Average for Young Adults: $75 per month
Oregon Full-Coverage Average for Young Adults: $234 per month
See the cheapest rates for 25-year-old Oregon drivers below.
| Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| USAA | $65 |
| Progressive | $68 |
| State Farm | $72 |
| Travelers | $73 |
| Geico | $74 |
*Rates are for 25-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
| Company | Average Monthly Full-Coverage Rate |
|---|---|
| Progressive | $148 |
| Travelers | $155 |
| USAA | $172 |
| Geico | $189 |
| State Farm | $197 |
*Rates are for 25-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
Cheapest Auto Insurance for Adults
Oregon Minimum-Coverage Average for Adults: $66 per month
Oregon Full-Coverage Average for Adults: $211 per month
See the cheapest average rates for Oregon’s 35-year-old drivers below.
| Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| USAA | $58 |
| Progressive | $59 |
| Geico | $65 |
| State Farm | $71 |
| Travelers | $72 |
*Rates are for 35-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
| Company | Average Monthly Full-Coverage Rate |
|---|---|
| Progressive | $144 |
| Travelers | $157 |
| USAA | $176 |
| State Farm | $183 |
| Mutual of Enumclaw | $187 |
*Rates are for 35-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
Cheapest Auto Insurance for Seniors
Oregon Minimum-Coverage Average for Seniors: $75 per month
Oregon Full-Coverage Average for Seniors: $211 per month
See the cheapest rates for 75-year-old Oregon drivers below.
| Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| Progressive | $71 |
| Geico | $72 |
| USAA | $72 |
| State Farm | $77 |
| Travelers | $77 |
*Rates are for 75-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
| Company | Average Monthly Full-Coverage Rate |
|---|---|
| Progressive | $138 |
| Travelers | $153 |
| Geico | $155 |
| USAA | $166 |
| Nationwide | $173 |
*Rates are for 75-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
Cheapest Car Insurance for High-Risk Drivers in Oregon
Violations, accidents and other blemishes on your driving history will increase the cost of your car insurance coverage, though some offenses only have a temporary impact. For example, in Oregon, minor violations such as speeding tickets stay on your record for at least three years. But more serious violations, such as DUIs, can stay on your record indefinitely.
The following sections highlight the cheapest Oregon auto insurance options for various types of high-risk drivers.
Cheapest Auto Insurance for Bad Credit
Oregon Minimum-Coverage Average for Bad Credit: $160 per month
Oregon Full-Coverage Average for Bad Credit: $306 per month
Drivers with bad credit in Oregon can expect to pay more for car insurance. In this situation, Progressive offers the lowest minimum coverage in the state with plans that are 45% cheaper than the state average. For full-coverage insurance if you have bad credit, Progressive offers rates that are 33% cheaper than the state average.
| Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| Progressive | $88 |
| Geico | $92 |
| USAA | $126 |
| Encompass Ind Co | $142 |
| Travelers | $143 |
| Company | Average Monthly Full-Coverage Rate |
|---|---|
| Progressive | $205 |
| Geico | $243 |
| Nationwide | $258 |
| Travelers | $261 |
| Encompass Ind Co | $287 |
Cheapest Auto Insurance After a DUI
Oregon Minimum-Coverage Average After a DUI: $158 per month
Oregon Full-Coverage Average After a DUI: $309 per month
In Oregon, a DUI can change your auto insurance rate and lead to increased premiums. Fortunately, State Farm offers drivers with a DUI minimum-coverage rates that are 53% cheaper than the state average, while Progressive offers the lowest full-coverage rates that are 49% cheaper than the state average.
| Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| State Farm | $73 |
| Progressive | $74 |
| Travelers | $99 |
| USAA | $132 |
| Country Financial | $137 |
| Company | Average Monthly Full-Coverage Rate |
|---|---|
| Progressive | $157 |
| State Farm | $183 |
| Travelers | $209 |
| Country Financial | $337 |
| USAA | $339 |
Cheapest Auto Insurance After an Accident
Oregon Minimum-Coverage Average After an Accident: $131 per month
Oregon Full-Coverage Average After an Accident: $284 per month
USAA offers the cheapest minimum coverage for Oregon drivers with an at-fault accident on their record, with rates that are 37% cheaper than the state average. For full coverage for those with an accident on their record, Travelers has the best rates at 32% cheaper than the state average.
| Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| USAA | $82 |
| State Farm | $87 |
| Progressive | $87 |
| Travelers | $92 |
| Geico | $113 |
| Company | Average Monthly Full-Coverage Rate |
|---|---|
| Travelers | $194 |
| Progressive | $195 |
| USAA | $209 |
| State Farm | $214 |
| Encompass Ind Co | $291 |
Cheapest Auto Insurance After a Speeding Ticket
Oregon Minimum-Coverage Average After a Speeding Ticket: $115 per month
Oregon Full-Coverage Average After a Speeding Ticket: $252 per month
USAA offers low rates for minimum coverage after a speeding ticket, saving drivers 39% cheaper state averages, respectively. For those who don’t qualify for USAA coverage, State Farm is the next cheapest option for minimum coverage. Progressive offers affordable full coverage.
| Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| USAA | $70 |
| State Farm | $73 |
| Progressive | $80 |
| Travelers | $87 |
| Geico | $87 |
| Company | Average Monthly Full-Coverage Rate |
|---|---|
| Progressive | $178 |
| State Farm | $183 |
| USAA | $183 |
| Travelers | $185 |
| Nationwide | $241 |
Cheapest Auto Insurance After a Texting-While-Driving Ticket
Oregon Minimum-Coverage Average After a Texting-While-Driving Ticket: $119 per month
Oregon Full-Coverage Average After a Texting-While-Driving Ticket: $256 per month
USAA offers the cheapest minimum coverage for those with a texting-while-driving ticket. Its minimum coverage rates are 41% cheaper than the state average. State Farm and Progressive offer the next most affordable rates for minimum coverage, respectively, if you don’t qualify for USAA. For full-coverage, State Farm offers the cheapest rates.
| Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| USAA | $70 |
| State Farm | $73 |
| Progressive | $83 |
| Geico | $90 |
| Travelers | $99 |
| Company | Average Monthly Full-Coverage Rate |
|---|---|
| State Farm | $183 |
| USAA | $183 |
| Progressive | $184 |
| Travelers | $209 |
| Nationwide | $241 |
Oregon Car Insurance Trends: What You Need To Know
Beyond each driver’s level of risk, car insurance companies set rates based on the most likely claims in the region and the relative severity of claim-related hazards. There are a few factors that may contribute to higher insurance costs in Oregon, including vehicle theft and more natural disasters.
- Vehicle theft: According to the most recent data analyzed by the Insurance Information Institute, Oregon had 22,816 motor vehicle thefts in 2022, placing it in the top 10 U.S. Metropolitan Statistical Areas for auto theft in the Portland-Hillsboro area.
- Increase in natural disasters: According to the National Oceanic and Atmospheric Administration, Oregon experienced 10 billion-dollar weather events in the last five years. That’s double the number of catastrophes from the previous decade.
Cheap Car Insurance in Oregon: FAQ
Below are some frequently asked questions about cheap car insurance in Oregon:
The required minimum-coverage car insurance in Oregon is $25,000 per person and $50,000 per accident in bodily injury liability coverage and uninsured motorist coverage. Additionally, Oregon law requires $20,000 per accident in property damage coverage and $15,000 per person in personal injury protection.
Yes, it is illegal to drive without insurance in Oregon. Oregon is an at-fault accident state, which means that a driver who is responsible for an auto accident is required to pay for all damages.
If you’re caught driving without auto insurance, you’ll temporarily lose your driving privileges and could receive a fine between $135 and $2,000.
Car insurance generally follows the car in Oregon, as with most states. You’ll be responsible for covering damages after an accident with your car, even if someone else was driving.
Our Methodology: How We Found the Cheapest Oregon Car Insurance Providers
Our comprehensive rating system utilizes the latest 2025 insurance rates from Quadrant Information Services in combination with data we’ve collected on dozens of insurance companies. To help consumers get the most accurate picture of insurance rates in the state of Oregon, we’ve averaged rates from the 12 most popular providers across 270 Oregon ZIP codes. Unless otherwise specified, our base driver profiles for Oregon insurance quotes include male and female drivers, age 35, driving a 2023 Toyota Camry with a clean driving record and good credit.
We’ve also looked at quotes for Oregon drivers of multiple ages and those with a history of accidents, speeding tickets, DUIs or poor credit. Our minimum-coverage quotes reflect coverage that meets state minimum insurance requirements in Oregon, while our full-coverage quotes reflect the following coverage amounts:
✔ $50,000 per person in bodily injury coverage
✔ $100,000 per accident in bodily injury coverage
✔ $50,000 per person in property damage coverage
✔ $500 comprehensive coverage deductible
✔ $500 collision coverage deductible
How We Vetted Oregon Car Insurance Providers
In this article, providers are sorted by cheapest average costs in Oregon and selected for recommendation based on our national ratings. When rating providers nationally or in Oregon, we take several factors into account:
- Coverage (30% of total score): Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Cost and Discounts (25% of total score): Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities are both taken into consideration.
- Industry Standing (20% of total score): Our research team considers market share, ratings from industry experts and years in business when giving this score.
- Customer Experience (15% of total score): This score is based on volume of complaints reported by the National Association of Insurance Commissioners and customer satisfaction ratings reported by J.D. Power. We also consider the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
- Availability (10% of total score): Auto insurance companies with greater state availability and few eligibility requirements score highest in this category.
Our credentials:
- 800 hours researched
- 130+ companies reviewed
- 8,500+ consumers surveyed
*Data accurate at time of publication.
