In our analysis, Country Financial stands out as the cheapest option for high-risk car insurance across most categories in Oregon, including senior drivers, drivers with speeding tickets, accidents, DUIs and bad credit. Kemper offers the most affordable rates for young drivers.
High-Risk Car Insurance OR
Updated: May 20, 2025
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Key Takeaways
For high-risk drivers in Oregon, Kemper, American Family and Travelers are the top choices for state minimum and full coverage car insurance options.
Annual premiums for high-risk drivers range widely, with the lowest being $789 and the highest reaching $3,452.
To snag the best deal on high-risk car insurance, understand your coverage needs, research average costs and discounts and compare offers from multiple providers.
Cheapest Car Insurance for High-Risk Drivers in OR
| Kemper | Young Drivers | $45 |
| Country Financial | Senior Drivers | $42 |
| Country Financial | Drivers With a Speeding Ticket | $47 |
| Country Financial | Drivers With an Accident | $44 |
| Country Financial | Drivers With a DUI | $52 |
| Country Financial | Drivers With Bad Credit | $59 |
| Country Financial | Drivers With Bad Credit And Driving Violations | $80 |
*Rates shown are for minimum car insurance policies modifying a base profile of a 40-year-old driver with good credit and no driving violations.
Compare Cheap OR High-Risk Car Insurance Providers
While our table above shows affordable companies for high-risk insurance, it might not cover every unique driver. Below, you'll find a table to compare rates from top providers for your specific needs.
Data filtered by:Results filtered by:
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Age Range:22-29
Select
Driving Record:Accident $1000-$1999 Prop Dmg
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Credit Score:Good
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
| Kemper | $86 | $1,029 |
| American Family | $110 | $1,326 |
| Travelers | $122 | $1,469 |
| Country Financial | $133 | $1,595 |
| State Farm | $153 | $1,840 |
How Much is High-Risk Car Insurance in OR?
Overall, high-risk car insurance costs in Oregon can range anywhere from $66 to $288 per month, depending on your unique combination of pricing factors. Below, you can compare average pricing for your profile by filtering the table.
Data filtered by:Results filtered by:
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Age Range:22-29
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Driving Record:Clean
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Credit:Good
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Coverage Level:State Minimum Liability Only
| $72 | $864 | $0 | $0 | 0% |
HOW LONG DO DRIVING VIOLATIONS AFFECT CAR INSURANCE RATES?
If you have a driving offense in Oregon, it's important to know how long it could affect your car insurance rates. Major violations, such as DUIs or reckless driving, could influence your rates for up to ten years.
For smaller issues, expect them to impact your rates for about three to five years. Each insurance company decides the exact time frame, so it can vary.
Oregon High-Risk Car Insurance: Buyer's Guide
Navigating car insurance with a high-risk profile can be challenging. Our guide helps you understand what makes you high-risk to insurers and how to find the best affordable provider. If most insurers deny you, learn more about high-risk factors and find affordable insurance options to ensure you're covered.
What Is Considered a High-Risk Driver?
The following is a list of various types of drivers that are considered high-risk to auto insurance companies:
- Drivers with a history of traffic violations or at-fault accidents
- Drivers with a DUI conviction
- Drivers caught driving with a suspended or revoked license
- Young drivers with a lack of driving experience
- Senior drivers over 60
- Drivers who drive sports cars or participate in drag racing
- Drivers with bad credit or lapses in insurance coverage
Tips To Find the Best High-Risk Car Insurance in OR
Below, discover key tips to help you save money and find the best provider for high-risk car insurance in the Beaver State.
- 1
Decide What Coverage You Need
To avoid being influenced by popular opinions or aggressive agents, determine your car insurance needs before comparing companies. This involves considering additional options like rideshare coverage and roadside assistance. You can use our car insurance coverage calculator to find out how much auto insurance you need.
- 2
Research Average Costs and Discounts
Knowing the average costs for your profile and the discounts available can help you identify good deals when comparing providers. Consider {state}-certified defensive driving courses, which can reduce premiums by up to 10%, offering additional savings for safe driving.
- 3
Consider Non-Traditional Coverage Options
Exploring pay-per-mile insurance and usage-based programs can cut costs for lower mileage and safe driving. Geico, one of our affordable providers, offers a telematics program that monitors driving habits, potentially saving up to 30% on your auto policies.
- 4
Compare Multiple Providers
After evaluating your options, compare quotes from at least three providers to understand market offerings. Use diverse tools like brokers and online comparison sites, ensuring you compare similar coverage options. Accurate comparisons help you evaluate how providers measure up against each other.
What To Do if You Get Denied Coverage in Oregon
Car insurance is a voluntary market. This means companies can deny you a policy if they find you too risky. But don't worry if you're rejected. You can still get a residual market plan through the Automobile Insurance Plan Service Office (AIPSO).
Below, we've provided contact information if you want to start the process.
Office Hours
Monday–Friday, 8:15 a.m.–4:30 p.m. ET
waaip@aipso.com
Phone
(800) 227-4659
Fax
(800) 827-6260
Mailing Address
P.O. Box 6530
Providence, RI 02940-6530
Car Insurance for High-Risk Drivers in OR: Bottom Line
Based on our research, the three most affordable companies for high-risk insurance in Oregon are Kemper, American Family, and Travelers. While these options are promising, we recommend doing your own research to compare costs and find the best deal. If you're denied coverage, don't worry. There are programs available to help you secure affordable insurance.
OR Car Insurance for High-Risk Drivers: FAQ
Below are answers to common questions about high-risk car insurance in Oregon.
What is the cheapest high-risk car insurance provider in Oregon?
In Oregon, the cheapest high-risk car insurance provider is Country Financial. They offer the most affordable rate of $52 per month for high-risk drivers.
What do I do if I get denied for coverage?
If denied coverage, reach out to the AIPSO; they help high-risk drivers secure insurance when companies consider them too risky.
How much more expensive is high-risk car insurance in Oregon?
High-risk car insurance in Oregon for a driver aged between 30 and 50 can cost up to 149% more than insurance for those with a clean record.
How We Chose The Cheapest High-Risk Car Insurance in Oregon
MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible. Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.
All high-risk profiles are modifications based on our base profile of the following:
- 40-year-old driver
- 12,000 annual mileage
- Clean driving record
- Good credit
High-risk profiles considered for are young drivers, seniors, and those with bad credit or records of an accident, speeding ticket, or DUI. We also considered combinations of all of these factors to get a comprehensive view and maintain accuracy and personalization with our recommendations.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.