Oregon Mutual Insurance Company Review

Everything you need to know.
Ann Herro, Insurance Expert Written by Ann Herro
Ann Herro, Insurance Expert
Written by Ann Herro

Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.


Oregon Mutual Insurance Company at a Glance

  • Oregon Mutual Insurance Company was founded in 1894
  • Writes homeowners insurance, auto insurance, and business insurance in Oregon, California, Idaho, and Washington
  • Based in McMinnville, Oregon, and is the oldest independent mutual insurance company west of the Mississippi
  • Writes policies exclusively through independent insurance agents
  • Rated A- (Excellent) by A.M. Best

Oregon Mutual Pros: Oregon Mutual is an old and experienced property and casualty insurer. It markets its products through independent insurance agents. Because of its small size and depth of experience, it can offer personalized service. Offers some unique coverage options. The company has received an A- (Excellent) rating from A.M. Best.

Oregon Mutual Cons: Oregon Mutual does not provide online quotes.

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

What Type of Insurance Does Oregon Mutual Offer?

Oregon Mutual Insurance offers the following types of insurance policies:

Personal Insurance

  • Home insurance
  • Auto insurance

Business Insurance

  • Commercial property insurance
  • Commercial liability insurance
  • Cyber crime and data loss insurance
  • Commercial auto insurance
  • Equipment breakdown insurance
  • Crime insurance

Oregon Mutual also offers numerous farm and winery insurance policies.

What to Know About Oregon Mutual Insurance Company

Founded in McMinnville, Oregon in 1894 by a close group of business owners, Oregon Mutual remains the oldest independent mutual insurance company west of the Mississippi.

After 125 years in business, the Oregon Mutual serves the personal, commercial, and agricultural insurance needs of individuals and businesses throughout Oregon, Washington, California, and Idaho.

The Oregon Mutual Group has earned the A-(Excellent) financial strength rating from the A.M. Best Company since 1990.

The company recently underwent a total re-branding effort in order to better represent its commitment to stability, honesty, and community service.


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What Discounts Does Oregon Mutual Offer?

Oregon Mutual offers several discounts for its auto insurance customers, including the following:

  • Defensive driver discount
  • Anti-theft device discount
  • Family discount
  • Loyalty discount
  • Low mileage discount
  • Military deployment discount
  • Package policy discount
  • Legacy discount

Visit the company’s website or speak to a company representative to learn more about discounts and savings opportunities that you may be eligible for.

Oregon Mutual Customer Service

Here's what to know about Oregon Mutual’s customer service options.

  • Phone and email contact
  • A member portal is available
  • Customer service hours restrictions are not published


Monday-Friday Not specified

Oregon Mutual encourages its customers to work with their independent insurance agents, who can provide more personalized service.

Oregon Mutual FAQ

What is Oregon Mutual’s average claims response time frame?

Oregon Mutual does not publish an average claims response time.

What is Oregon Mutual’s customer service availability?

Oregon Mutual encourages its customers to get policy service from their independent insurance agents. The company offers customer service by phone and email, as well. There is also an online member portal, although it is unclear what services are available.

What is Oregon Mutual’s claims process?

Oregon Mutual has 24/7 claims service, with a toll-free number that can be contacted at any time to report a claim.

There are different phone numbers to call for glass only claims and for roadside assistance claims.

Oregon Mutual’s Customer Automobile Appraisal and Repair Service (CAARS) program will help you find an approved and trusted auto body repair shop in your area that can inspect, appraise, or repair your vehicle. While you have 100% freedom over where you take your vehicle after you have filed a claim, CAARS is part of Oregon Mutual’s effort to provide an increased level customer claim service. 

According to the company’s website, you may be required to provide information in order to properly report a claim:

  • Your policy number
  • A detailed description of what happened and when
  • Location of the damaged property
  • The extent of the damages
  • Any temporary repairs needed or that have been completed and need reimbursement
  • If a police report needed to be filed and the report number
  • Any injuries that occurred
  • Your availability for a claims inspection

Does Oregon Mutual create a user-friendly experience for customers?

Oregon Mutual’s website showcases the company’s new brand, but the site and navigation remain basic and outdated. The navigation is clunky, and it takes some time to load. What’s more, the information provided is minimal; rather, for more information the company encourages you to contact a local agent.

In addition to phone and email customer service, Oregon Mutual offers an online customer portal, but it is unclear what types of services are available once you log in. Customers can make a payment online without logging in.

Does Oregon Mutual have good auto insurance?

Oregon Mutual’s auto protection plan offers several options to customize your auto insurance coverage. The company offers bodily injury and bodily injury liability coverage, personal injury protection, comprehensive and collision coverage, and uninsured and underinsured motorist coverage.

Here are some additional highlights and coverage options:

  • If your car is totaled, the company seeks two assessments instead of one and then pays the higher amount.
  • Accident forgiveness provides protection from an increased premium after an at-fault accident.
  • Diminishing deductible reduces your collision deductible for each year of safe driving.
  • Diminishing deductible reduces your collision deductible for each year of safe driving.
  • Vehicle upgrade benefit lets you upgrade to a new vehicle if your vehicle is totaled.
  • Pet injury coverage is available for if your pet is injured in an accident with you.
  • Child safety seat coverage replaces a child’s safety seat that is in your car during an accident, regardless of the size of the accident.

Is Oregon Mutual a good insurance company?

Oregon Mutual has well over a century of experience protecting individuals and businesses on the West Coast. It has received high ratings from A.M. Best and the BBB. The company also receives very favorable reviews from its customers. Overall, however, Oregon Mutual can be considered a good insurance company.

Oregon Mutual Customer Reviews

5 Stars
“I love Oregon Mutual! Prices are competitive. Never have had an issue with them! We get a multiple discount for auto and home insurance!”

5 Stars
“Oregon Mutual has been a great company. Rates seem to be very competitive and any time I've ever had to deal with them they've been excellent. Fortunately no home claims yet but no complaints at this point.”

5 Stars
“I ended up getting Oregon Mutual Insurance after one of their clients hit my truck. They treated me so good during the process, I wondered 'If they treat other people this nice, just imagine how well they treat their own clients.' Haven't had a claim yet, but I am confident I will be taken care of.”

TrustedChoice.com's Final Review

5 Stars

We award Oregon Mutual Insurance Company a final rating of 5.0 out of 5 stars. To begin with, the carrier has a long history, and it’s an expert in insuring businesses and individuals in Oregon and the surrounding states. Its high ratings from A.M. Best and the BBB speak to its financial strength, one of the most important factors in choosing any insurance company.

If you live in Oregon, Washington, Idaho, or California, and you wish to work with a smaller insurer that can offer personal service from a local independent insurance agent, you may want to find out more about Oregon Mutual and if it fits your needs.

You can also use our exclusive insurance company directory to find the best insurance companies to meet your needs. The directory helps you locate companies that specialize in your specific coverage needs.

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