Compare Lake Oswego, OR Car Insurance Rates (2022)

Car insurance in Lake Oswego, OR averages $324 a month. Lake Oswego, Oregon car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Lake Oswego car insurance rates, compare quotes from the top car insurance companies in Lake Oswego, OR.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jun 22, 2022

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Here's What You Need to Know

  • The cheapest ZIP code in Lake Oswego is 97035
  • The cheapest car insurance company in Lake Oswego is USAA
  • The cheapest car insurance company in Lake Oswego for teen drivers is USAA

If you need to buy Lake Oswego, Oregon car insurance, the options can be confusing. Everything you need to know about car insurance in Lake Oswego, OR is right here.

You’ll find Lake Oswego car insurance rates, the cheapest Lake Oswego, OR car insurance companies, and information on Oregon car insurance laws. You can also compare Lake Oswego, Oregon car insurance rates to Beaverton car insurance rates, Portland car insurance rates, and Eugene car insurance rates.

Ready to find affordable Lake Oswego, OR car insurance today? Enter your ZIP code for fast, free Lake Oswego car insurance quotes.

Cheapest Lake Oswego, OR Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Lake Oswego, OR car insurance rates? Every Lake Oswego, Oregon car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lake Oswego, Oregon

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,463 $3,209 $3,181 $3,215 $10,773 $11,945 $3,586 $3,569
American Family $2,570 $2,570 $2,291 $2,291 $6,406 $10,094 $2,570 $2,688
Farmers $2,466 $2,416 $2,174 $2,322 $10,495 $10,758 $2,741 $2,783
GEICO $2,569 $2,479 $2,424 $2,466 $6,801 $6,167 $2,735 $2,332
Liberty Mutual $2,999 $3,164 $2,604 $2,903 $9,919 $10,720 $2,874 $2,883
Nationwide $2,417 $2,396 $2,155 $2,246 $5,687 $7,095 $2,837 $2,984
Progressive $2,112 $1,906 $1,843 $1,893 $9,359 $10,320 $2,525 $2,382
State Farm $1,966 $1,966 $1,811 $1,811 $6,405 $8,040 $2,235 $2,561
Travelers $2,017 $2,046 $1,844 $1,925 $5,958 $7,359 $2,107 $2,150
USAA $1,691 $1,635 $1,688 $1,618 $5,235 $5,592 $2,177 $2,247

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Minimum Car Insurance in Lake Oswego, OR

Every driver must carry the minimum car insurance in Lake Oswego, OR. Take a look at the Oregon car insurance requirements.

Minimum Required Car Insurance Coverage in Lake Oswego, Oregon

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

Cheapest Lake Oswego, OR Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Lake Oswego, OR. Compare credit history car insurance rates in Lake Oswego from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Lake Oswego, Oregon

Insurance Company Poor Fair Good
Allstate $7,060 $4,958 $4,085
American Family $4,990 $3,694 $3,121
Farmers $5,205 $4,288 $4,065
GEICO $4,220 $3,497 $2,773
Liberty Mutual $6,959 $4,129 $3,187
Nationwide $4,195 $3,338 $2,898
Progressive $4,523 $3,932 $3,672
State Farm $4,682 $2,982 $2,384
Travelers $3,931 $3,128 $2,469
USAA $4,084 $2,293 $1,830

Cheapest Lake Oswego, OR Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Lake Oswego, OR to rates for a clean record with top companies.

Annual Lake Oswego, Oregon Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,290 $5,848 $6,057 $5,275
American Family $2,741 $4,176 $5,308 $3,515
Farmers $3,818 $4,922 $4,814 $4,524
GEICO $2,279 $3,679 $4,895 $3,135
Liberty Mutual $4,215 $4,722 $5,414 $4,682
Nationwide $2,949 $3,158 $4,466 $3,335
Progressive $3,045 $5,581 $3,921 $3,622
State Farm $2,959 $3,896 $3,271 $3,271
Travelers $2,570 $3,295 $3,707 $3,130
USAA $1,976 $2,771 $3,877 $2,318

Cheapest Lake Oswego, OR Car Insurance for Teen Drivers

Teen car insurance in Lake Oswego, OR can be expensive. Take a look at rates from the top car insurance companies in Lake Oswego for teenagers.

Annual Car Insurance Rates for Teen Drivers in Lake Oswego, Oregon

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,773 $11,945
American Family $6,406 $10,094
Farmers $10,495 $10,758
GEICO $6,801 $6,167
Liberty Mutual $9,919 $10,720
Nationwide $5,687 $7,095
Progressive $9,359 $10,320
State Farm $6,405 $8,040
Travelers $5,958 $7,359
USAA $5,235 $5,592

Cheapest Lake Oswego, OR Car Insurance for Seniors

Take a look at Lake Oswego, OR senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Lake Oswego, Oregon

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,181 $3,215
American Family $2,291 $2,291
Farmers $2,174 $2,322
GEICO $2,424 $2,466
Liberty Mutual $2,604 $2,903
Nationwide $2,155 $2,246
Progressive $1,843 $1,893
State Farm $1,811 $1,811
Travelers $1,844 $1,925
USAA $1,688 $1,618

Cheapest Lake Oswego, OR Car Insurance Rates After a DUI

A DUI in Lake Oswego, OR increases car insurance rates. Compare Lake Oswego, Oregon DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Lake Oswego, Oregon

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,057
American Family $5,308
Farmers $4,814
GEICO $4,895
Liberty Mutual $5,414
Nationwide $4,466
Progressive $3,921
State Farm $3,271
Travelers $3,707
USAA $3,877

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Cheapest Lake Oswego, OR Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Lake Oswego, OR by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Lake Oswego, Oregon

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,368 $5,368
American Family $3,874 $3,996
Farmers $4,519 $4,519
GEICO $3,442 $3,551
Liberty Mutual $4,758 $4,758
Nationwide $3,477 $3,477
Progressive $4,042 $4,042
State Farm $3,261 $3,438
Travelers $3,048 $3,303
USAA $2,657 $2,814

Cheapest Lake Oswego, OR Car Insurance Rates by ZIP Code

Lake Oswego car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Lake Oswego, OR.

Annual Car Insurance Rates by ZIP Code in Lake Oswego, Oregon

ZIP Code Average Annual Rates
97034 $3,694
97035 $3,627

The Best Cheap Car Insurance Companies in Lake Oswego, OR

Take a look at a side-by-side comparison of the top car insurance companies in Lake Oswego, OR to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Lake Oswego, Oregon

Insurance Company Average Annual Rates
Allstate $5,368
American Family $3,935
Farmers $4,519
GEICO $3,497
Liberty Mutual $4,758
Nationwide $3,477
Progressive $4,042
State Farm $3,349
Travelers $3,176
USAA $2,736

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Category Winners: Cheapest Car Insurance in Lake Oswego, Oregon

Find the cheapest car insurance companies in Lake Oswego, OR for each category right here.

Best Annual Car Insurance Rates by Company in Lake Oswego, Oregon

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Cheapest Lake Oswego, OR Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Lake Oswego car insurance rates. Find the cheapest Lake Oswego, OR car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Lake Oswego, Oregon

Insurance Company Low Medium High
Allstate $5,103 $5,355 $5,645
American Family $3,903 $4,165 $3,737
Farmers $4,197 $4,452 $4,909
GEICO $3,169 $3,521 $3,800
Liberty Mutual $4,437 $4,746 $5,093
Nationwide $3,275 $3,573 $3,583
Progressive $3,894 $4,023 $4,210
State Farm $3,150 $3,356 $3,541
Travelers $2,953 $3,156 $3,418
USAA $2,607 $2,739 $2,860

What affects car insurance rates in Lake Oswego, Oregon?

What factors can have an impact on Lake Oswego, OR car insurance? There are several reasons why Lake Oswego car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Lake Oswego, Oregon.

Car Theft in Lake Oswego

High levels of vehicle theft can make car insurance more expensive. Lake Oswego, OR car theft statistics from the FBI indicate 28 vehicle thefts a year.

Commute Time in Lake Oswego

The more time you spend in your car the higher the risk of an accident. The average commute length in Lake Oswego, OR is 24.9 minutes according to City-Data.

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Compare Car Insurance Quotes in Lake Oswego, OR

Ready to find affordable Lake Oswego, Oregon car insurance today? Enter your ZIP code for fast, free Lake Oswego, OR car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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