Car Insurance After an Accident in Oregon: Rates & Best Companies (2026)
Quick Answer
An at-fault accident in Oregon increases insurance by 38%, raising full coverage from $1,746/year to $2,409/year. Some companies like Allstate offer accident forgiveness that prevents the first increase.
✓ Updated March 2026✓ Based on state insurance filings
Before Accident
$146/mo
After At-Fault Accident (+38%)
$201/mo
Cheapest Companies After Accident in Oregon
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $149/mo | $1,783/yr | Military families |
| Erie Insurance | $159/mo | $1,903/yr | Rate lock guarantee |
| GEICO | $165/mo | $1,975/yr | Clean driving record |
| Progressive | $177/mo | $2,120/yr | Telematics savings |
| State Farm | $183/mo | $2,192/yr | Good students |
| Travelers | $191/mo | $2,289/yr | Multiple discounts |
| Nationwide | $209/mo | $2,505/yr | Bundling home + auto |
| Farmers | $217/mo | $2,602/yr | Signal telematics |
| Allstate | $225/mo | $2,698/yr | Accident forgiveness |
| Liberty Mutual | $237/mo | $2,843/yr | New car replacement |
USAACheapest
Monthly
$149/mo
Annual
$1,783/yr
Best for: Military families
Erie Insurance
Monthly
$159/mo
Annual
$1,903/yr
Best for: Rate lock guarantee
GEICO
Monthly
$165/mo
Annual
$1,975/yr
Best for: Clean driving record
Progressive
Monthly
$177/mo
Annual
$2,120/yr
Best for: Telematics savings
State Farm
Monthly
$183/mo
Annual
$2,192/yr
Best for: Good students
Travelers
Monthly
$191/mo
Annual
$2,289/yr
Best for: Multiple discounts
Nationwide
Monthly
$209/mo
Annual
$2,505/yr
Best for: Bundling home + auto
Farmers
Monthly
$217/mo
Annual
$2,602/yr
Best for: Signal telematics
Allstate
Monthly
$225/mo
Annual
$2,698/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$237/mo
Annual
$2,843/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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How to Lower Rates After an Accident
- Take a defensive driving course (5-10% discount in most states)
- Increase your deductible to $1,000 or higher
- Shop around — rates vary 50%+ between companies after an accident
- Ask about accident forgiveness programs
- Bundle home and auto for additional savings
- Maintain continuous coverage without lapses