Secured with SHA-256 Encryption
Select Page

Oregon Mutual Insurance Review & Complaints: Auto, Home & Business Insurance

Oregon Mutual Insurance is a smaller insurance company that offers auto, home, and business insurance policies in four states. They do not offer online quotes as they sell their plans directly through agents

FREE Insurance Comparison

Compare quotes from the top insurance companies and save!

Secured with SHA-256 Encryption

Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

Full Bio →

Written by

UPDATED: Sep 14, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Oregon Mutual Insurance
Financial Strength

Compare Insurance Quotes

Secured with SHA-256 Encryption
Serving the west coast for more than 120 years, Oregon Mutual is the oldest independent mutual company west of the Mississippi. They write auto insurance, home insurance, and business insurance policies in four states.

About Oregon Mutual

Oregon Mutual was founded in 1894; like most mutual companies it was born out of a gathering of locals looking to provide an affordable insurance option. From its roots in its namesake state, Oregon Mutual expanded to provide coverage in Washington, California, and Idaho as well.

The company’s headquarters is located in McMinnville, Oregon, and they continue to operate as a policyholder-owned mutual company. Western Protectors Insurance Company is a subsidiary of Oregon Mutual.

Basic personal auto, home, and business insurance are sold through independent agents across their service area.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Oregon Mutual Products

Oregon Mutual’s product lineup is basic; they write auto insurance as well as several types of home insurance and business policies. The company website does not offer much in the way of information on these policies, instead directing visitors to contact an agent.

Auto Insurance

Oregon Mutual has a very comprehensive auto insurance program called Custom Shield, offering a lot of options on top of the basics. This includes some of the trendier add-ons in the auto insurance industry like diminishing deductible and accident forgiveness, as well as less common endorsements like pet injury and lock replacement. Coverage varies from state to state.

They also have a good list of discounts, including a military discount and loyalty discount. Overall their auto program appears to be on par with those offered by much larger insurance companies.

Home Insurance

The Oregon Mutual home insurance program is available for single family homes, condos, and rental homes as well.

The website does not provide any information regarding standard or optional coverage for these policies.

Business Insurance

Oregon Mutual offers commercial package policies to a variety of businesses, including the state’s thriving winery industry. They specialize in small to medium-sized businesses and also cover hospitality, restaurants, farms, and other types of agribusiness.

Business policies can be customized to provide the coverage needed by each individual company.


Oregon Mutual does not offer an online quoting option, and the “Get a Quote” button really just directs the visitor to enter contact information. An agent will then respond and assist with creating a quote.

This is not uncommon for a company of this size, but the way it is set up on the website is a bit misleading, and it will likely result in solicitation.

As a general rule, we do not expect smaller companies like this one to compete regarding rates with the big direct companies. They usually rely instead on good service to provide extra value.


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 operates a preferred repair network, called Customer Automobile Appraisal and Repair Service (CAARS) in all states except California. Work through this network comes with a guarantee, but customers are also free to use any shop of their choosing.

The website provides basic instructions for customers as to what they should do following a loss but does not really provide any detail on the claims process itself.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Ratings and Consumer Reviews

The Better Business Bureau (BBB) gives Oregon Mutual an A+ rating, with only two customer complaints on file in the past three years. There has not been a complaint closed in the past 12 months.

There are six reviews of Oregon Mutual auto insurance reviews on Yelp, a few highly positive and a few negative. One of the reviewers came back to offer an updated, positive review after having left a negative review.

Overall there is nothing of major concern either in the content or in the volume of the complaints.

The Bottom Line

The information on Oregon Mutual is limited, which makes it hard to come to any real conclusion about their products or service. They seem to have a good reputation, and they might appeal to insurance shoppers who like to work with an agent and prefer a smaller, regional insurance company to a larger corporation.

For a list of companies that we recommend, visit our Best Insurance Companies page.

Compare Insurance Quotes

Secured with SHA-256 Encryption

Review Information

Review Date
Oregon Mutual
Author Rating

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.


  1. Hello my name is Summer. I was rear-ended Sept 2nd Saturday by one of Oregon Mutual clients son which was at fault and hit me intentionally. We called our insurance and then called the other insurance which is you. Well the son [Redacted] told me he was covered on his moms [Redacted] policy because he had just got his license and the car, he showed me an insurance card and everything. I left message for you all to call me back but didn’t get a call back until the next Tuesday stating that the car wasn’t covered. [Redacted]. I then called the police I wanted this person cited for no insurance expired tags and the police opened a case and called me and told me your insured cancelled the policy on the 4th and back dated a bill of sale for her son for Aug 22nd. She cancelled the policy AFTER the accident. Now isn’t that FRAUD. A great thing I called the police, Officer [Redacted] couldn’t believe it himself said how you all let her get away with this. And that he would assist me how ever needed. So I want you to accept responsibility!!!!! Now depending on how this gets handled determines my next move. First I will be contacting the NICS that is National Insurance Crime Bureau, I have already notified my insurance gave them case number and all. We want our car fixed and all out of pocket costs covered. My next step will be determined when I feel this is still going nowhere.
    Our daughter was involved in an accident when she was young and we had to pay, well our insurance did but that is what you’re supposed to do.

  2. I do NOT recommend Oregon Mutual. I had a homeowner’s policy with Oregon Mutual for 9+ years, and never had a claim of any kind. None. After getting a quote from a different company, which would save me $110/year, I decided to change companies. So, I notified Oregon Mutual in writing that I wanted to cancel my policy on the effective date of the new policy. Well, an e-mail from the new company reaffirming my purchase of the new policy went astray – so I asked my agent to arrange for the old policy with Oregon Mutual to be reinstated, to prevent me from possibly having a brief lapse in coverage. My agent and I were both astonished, and a little angry, that the underwriter at Oregon Mutual vindictively refused to reinstate a policy which still had 3 months of coverage remaining, because they knew I was leaving Oregon Mutual.

  3. Depending on the specific circumstances of the claims, there are potentially multiple insurance carriers who will write a policy for you. You may not like the cost but they are out there, you just need to be a smart consumer. I would start by asking your current/ previous carrier for 5 year claims history. You should receive that document between 2 and 10 working days! With that info in hand start calling around and see who will offer coverage. Worst case scenario, the Ca. Fair Plan will/should offer coverage but coverage is very limited by definition. Then secure a Difference in Condition policy in conjunction with the Ca, Fair Plan.

  4. I was insured with Progressive (Wall Insurance, Dallas, OR) for 10 years. After 4 years Wall Insurance dropped Progressive and changed me over to Oregon Mutual Ins. I never had a claim, until this year. I turned in a claim for my travel trailer which I’d been paying for since 2009. I had full coverage on the travel trailer. After getting estimates for water damage for the 2016/2017 winter, an adjuster came out that does estimates for a number of companies, he said they were backed up, they had so many claims this winter. He could not determine where the water damage came from. He was sending the information to the claims department, that sits in his office and never sees. I got 2 estimates that I was told to get. Neither could determine where the water damage started without opening it up and give an accurate determination, where the water damage started from. First the adjuster said thought it could be gutters. My agent spoke to them on my behalf after the first estimate and he was told to have the next estimate check the rear seal. Which I did have him look at it. But, he said it looked fine. The only way to determine was to open it up. Plus, the water damage was in the front, not the rear. But, my claim was denied because of WEAR AND TEAR. It was maintained well. So, why was I paying a premium for a 2007, all these years if they would deny on wear and tear with no other explanation. I was being ripped off!!!!!

  5. Oregon Mutual failed to advise me my agent had died. So, when I called and left a question on her answering machine, I never heard back, BUT, whomever got the message took it upon themselves to NOT call me back with an answer, but to file the inquiry as a CLAIM!!! The question was, “Am I covered for termite damage?” Following were months of confusion and despair as a DUPLICATE claim was also filed for termite damage. TWO CLAIMS on my record for a simple inquiry. Oregon Mutual removed the duplicate claim but refused to remove them both. Now, because of that one remaining bogus claim on my record from 5/15, I cannot find another insurance company that will sell me a homeowners policy in California. I was with Oregon Mutual for 11 years and even had business insurance with them all that time. I was treated horribly. I was able to easily get business insurance with State Farm but because of that claim, no homeowners. Now I am without homeowners, a situation which I am totally uncomfortable with. Shopping around has met with rejection. Any help?

    • Hi Becky,

      I would take that up with the Insurance Commissioner’s office of California. Having no homeowners insurance can be a big problem.

      Eric Stauffer


Leave a Rating

Your email address will not be published. Required fields are marked *