Car Insurance with Bad Credit in Oregon (2026)
Quick Answer
Bad credit in Oregon increases car insurance by 51%, raising full coverage from $1,746/year to $2,636/year.
✓ Updated March 2026✓ Based on state insurance filings
Good Credit
$146/mo
Poor Credit (1.51x)
$220/mo
Best Companies for Bad Credit in Oregon
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $163/mo | $1,951/yr | Military families |
| Erie Insurance | $174/mo | $2,082/yr | Rate lock guarantee |
| GEICO | $180/mo | $2,162/yr | Clean driving record |
| Progressive | $193/mo | $2,320/yr | Telematics savings |
| State Farm | $200/mo | $2,399/yr | Good students |
| Travelers | $209/mo | $2,504/yr | Multiple discounts |
| Nationwide | $228/mo | $2,741/yr | Bundling home + auto |
| Farmers | $237/mo | $2,847/yr | Signal telematics |
| Allstate | $246/mo | $2,952/yr | Accident forgiveness |
| Liberty Mutual | $259/mo | $3,110/yr | New car replacement |
USAACheapest
Monthly
$163/mo
Annual
$1,951/yr
Best for: Military families
Erie Insurance
Monthly
$174/mo
Annual
$2,082/yr
Best for: Rate lock guarantee
GEICO
Monthly
$180/mo
Annual
$2,162/yr
Best for: Clean driving record
Progressive
Monthly
$193/mo
Annual
$2,320/yr
Best for: Telematics savings
State Farm
Monthly
$200/mo
Annual
$2,399/yr
Best for: Good students
Travelers
Monthly
$209/mo
Annual
$2,504/yr
Best for: Multiple discounts
Nationwide
Monthly
$228/mo
Annual
$2,741/yr
Best for: Bundling home + auto
Farmers
Monthly
$237/mo
Annual
$2,847/yr
Best for: Signal telematics
Allstate
Monthly
$246/mo
Annual
$2,952/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$259/mo
Annual
$3,110/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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