The Beaver State is home to diverse landscapes, friendly people, and a colorful, welcoming culture. High desert to the east; rocky Pacific coastline to the west; and snow-capped mountains, crystal-blue rivers, and evergreen forests sprawling in between—Oregon has it all. Whether you’re road-tripping through the Pacific Northwest or are lucky enough to call Oregon home, with 4.1 million registered vehicles on over 120,000 miles of roadways, a solid auto insurance policy is vital for every driver.
Compare and save on the best and cheapest car insurance quotes in Oregon here.
Cheapest Car Insurance Companies in Oregon
Here are the cheapest insurance companies in Oregon based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service.
Best Car Insurance Companies in Oregon
It seems like every other radio and television commercial is some auto insurance provider claiming to have the best customer service, lowest premiums, and the most reliable coverage. With every company claiming to be the best, how are you supposed to know which insurance provider is truly on top? Data scientists at Insurify have crunched the numbers for you.
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top-rated companies that offer car insurance in Oregon. For the complete list, see Insurify’s best car insurance companies.
Most Popular Car Insurance Companies in Oregon
The American car insurance market is lead by a few key players. According to the Insurance Information Institute (III), these are the most popular car insurance companies in Oregon by market share:
Cheapest Car Insurance in Oregon by City
Many factors come into account when insurance companies are calculating your monthly premium. Driving history and demographic information will surely impact your cost of coverage, but did you know your address will too? Auto insurance costs may vary greatly depending on locations and insurance companies. The cheapest offering in Portland could be the priciest in Gresham.
Insurify analyzed the latest data for five of the most populous cities in Oregon to find you the cheapest quotes in each of these metropolitan areas.
Cheapest Car Insurance in Oregon by Profile
Just like geographic location, your personal profile may drastically affect your monthly premium. Here are the cheapest insurance companies in Oregon based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service.
USAA will frequently offer Oregon residents the cheapest auto insurance options, but members must be retired or current officers and enlisted personnel of the U.S. military.
Cheap Car Insurance for Good Drivers
Oregon drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Progressive offers the best options for good drivers in Oregon, at $21 per month. With both cheaper premiums and safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.
Cheap Car Insurance for High-Risk Drivers
High-risk drivers in Oregon, including those with one or more traffic violations, may have to pay more on their car insurance premiums. Oregon drivers with demerits on their driving records tend to have higher monthly premiums than the national average. State Farm offers the best deal for drivers with a DUI at $58/month. For drivers with at-fault accidents and speeding tickets on their driving record, Grange provides the best option at $47 and $42/month respectively. Average rates for high-risk drivers tend to be higher than other drivers.
Cheap Car Insurance for Drivers with DUI in Oregon
The lookback period in Oregon is five years. This means that you could be paying the price for years to come if you’ve been charged with a DUI. In addition to increased insurance costs, DUIs can lead to jail time, license suspension, thousands of dollars in fines, and substance abuse program requirements. Punishments worsen with each subsequent offense, or if there is a minor in the vehicle when the DUI is committed. Drivers may also be mandated to install ignition interlocking devices in their cars to prevent future offenses.
Cheap Car Insurance for Drivers with an At-Fault Accident in Oregon
If you’re found at-fault for a car accident in Oregon, your monthly premiums may increase significantly. Even a little fender-bender can have major financial repercussions.
Cheap Car Insurance for Speeding Drivers in Oregon
Getting to your destination a few minutes early may not be worth the costly effects speeding tickets may have on your car insurance rates. Slow down and take a look at these car insurance quotes for speeders in Oregon.
Cheap Car Insurance for Young Drivers in Oregon
If you’re under 40 years old in the state of Oregon, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. Country Financial, USAA, and Grange tie for the cheapest car insurance rates for young drivers in Oregon, averaging $44 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.
Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.
Car Insurance for Drivers with Poor Credit
Unfortunately, it can be challenging to find cheap car insurance in Oregon if you have a poor credit score. Oregon car insurers are permitted to use credit score as a factor when calculating the risk of any given policyholder. This means that they can hold your poor credit score against you in the form of a financial penalty. Insurers have found that drivers with poor credit histories are more likely to file auto insurance claims, thus increasing the insurance premiums of bad credit drivers to account for the increased risk. Depending on where you live in Oregon, car insurance premiums fluctuate based on many factors, not just credit score. Having good credit can save you a whole lot of cash in the long run.
Oregon State Insurance Laws
State Minimum Car Insurance Coverage in Oregon
All motor vehicles operated or parked on Oregon roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
Oregon auto insurance requirements are among the most comprehensive in the country. Coverage requirements mandated by Oregon law are a bit more comprehensive than the average state. The minimum liability car insurance requirements for private passenger vehicles in Oregon are as follows:
- $25,000 per person/$50,000 per accident for Bodily Injury (BI)
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Oregon state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Oregon law.
- $20,000/accident for Property Damage (PD)
The state minimum amount of property damage liability coverage required in the state of Oregon is $20,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
- $25,000 per person/$50,000 per accident Uninsured Motorist Bodily Injury (UMBI)
Uninsured and underinsured motorist coverage are required forms of insurance in Oregon. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered by insurance.
- $15,000/person Personal Injury Protection (PIP)
Personal Injury Protection (PIP) provides coverage for medical costs that drivers and their passengers may face after an accident. PIP coverage protects drivers even if they are found to be at fault. Medical expenses are covered by this type of protection, and at least $15,000 worth of coverage is required in Oregon.
Optional Supplemental Coverage
Comprehensive coverage and collision coverage pays for repairs to your own car when it’s involved in a car accident or stolen. Many car insurance policies refer to this as “full coverage.” Comprehensive coverage and collision coverage are two of the three basics that make up what’s commonly called a “full coverage” auto policy (liability, collision, and comprehensive). Coverage limits will differ from policy to policy.
Comprehensive insurance coverage covers “Acts of God” and things out of a person’s control, like fire or flood, but does not cover medical expenses or auto damage due to a collision.
Collision insurance coverage covers damage to objects (not animals or people) and vehicles as a result of a collision regardless of fault, including hit-and-run accidents, but doesn’t cover damage due to “Acts of God.”
Am I liable if I cause a car accident in Oregon?
Oregon follows a fault-based PIP car insurance system.
What does that mean, exactly? Well, this is a hybrid of a few different styles of insurance laws seen throughout the United States. In Oregon, if you’re found to be at fault for an accident, you will likely be responsible for damages you may have caused. The at-fault driver’s insurance should cover damage up to their predetermined coverage limits.
Oregon also requires PIP coverage for all drivers. This is where the characteristics of a no-fault insurance state come into the mix. PIP ensures that your own medical expenses from an accident are covered. This differs from a traditional no-fault state because lawsuits may still be filed against the at-fault party before your PIP coverage has reached its limit.
Distracted Driving in Oregon
Using electronic devices while operating a motor vehicle is a known dangerous activity and is the cause of so many fatal accidents every year. In Oregon, it is illegal to hold or use an electronic device while driving. This includes cell phones, tablets, laptops, and even GPS devices. Drivers above the age of 18 are permitted to use voice-controlled devices, or use a “single swipe” to activate or deactivate activity on a device. These rules are in place even at a red light or stop sign—vehicles must be stopped and put in “park” before you can legally use a device.
For first-time offenses that do not contribute to an accident, fines can be up to $1,000, plus compulsory attendance at a Distracted Driving Avoidance Course. For second-time offenses or first-time offenses that caused an accident, drivers face a maximum fine of $2,000 and a Class A violation on their driving record. For the third offense in a ten-year period, drivers face a Class B misdemeanor charge, a $2,500 fine and six months in jail.
SR-22 Insurance in Oregon
If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Oregon on your behalf. Oregon’s state licensing authority will inform drivers if they might require SR-22 insurance. If you’ve committed a DUI, DWI, a moving violation, or another serious offense, you may be required to hold SR-22 insurance. The cost of filing an SR-22 is just one of many reasons drinking and driving is simply not worth it.
In Oregon, many insurance companies offer SR-22 insurance such as Ameriprise, Carnegie Insurance, Dairyland, Esurance, Farmers, Foremost, GEICO, Good2Go, National General, PEMCO, Progressive, Safeco, Stillwater, The General, and Victoria
AAA Car Insurance and Roadside Assistance in Oregon
Locked your keys in the car? Battery dead? Flat tire? If you’ve ever found yourself in this situation, you’ve probably relied on the American Automobile Association (AAA) for roadside assistance. But did you know that AAA also offers automobile insurance for Texas drivers?
Divided into regional clubs, AAA operates all over the state. To find out which independent agents operate AAA insurance in your region, visit AAA’s website, and search using your ZIP code.
Oregon Car Insurance FAQs
Which company offers the cheapest car insurance in Oregon?
The best way to get the cheapest car insurance in Oregon and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify.com provides the cheapest car insurance quotes and companies in your area in just a few seconds.
What is non-owner car insurance? Do I need it in Oregon?
Non-owner car insurance provides liability coverage if you’re driving a car you don't own. If you regularly rent or borrow cars, non-owner car insurance may be a good option for you. Though it’s not legally required in Oregon, non-owner car insurance can be a lifesaver for a driver caught up in an accident while driving a car that doesn’t belong to them.
Is my car covered if damaged in a natural disaster?
With Mother Nature, it’s best to expect the unexpected. If you want to ensure your vehicle is covered if damaged after a storm, earthquake, or flood, it’s important to get full coverage car insurance, including comprehensive coverage. This coverage will bring peace of mind during extreme weather events.
It Pays to Go Green In Oregon
Oregon offers residents some of the best green driving incentives in the country. The Oregon Clean Energy Rebate Program offers drivers rebates of up to $2,500 with a new electric car purchase. This, plus a $7,500 Federal Tax credit, can save green drivers some major money and incentivize them to buy a new electric vehicle. These discounts, plus other test exemptions, HOV lane permissions, and less gas consumption in general making going green really pay off- for you and the planet.
Driving Uninsured in Oregon
You should never drive without proper insurance in Oregon—it puts yourself and those around you in danger. That being said, an estimated 12.7 percent of Oregonians are driving uninsured (yikes!).
If caught driving uninsured in Oregon, drivers face a presumptive fine of $260, plus $130 to $1,000 in court fines. Driving privileges will be revoked including license and registration suspension and the possibility of vehicle impoundment. Drivers will be required to file SR-22 for three years, and pay $75 to reinstate their registration. On top of all that, drivers will have to verify proof of compliance on a monthly basis for three years.
Oregon DMV Information
The Oregon Driver and Motor Vehicle Services has DMV outposts all around the state.
At the DMV, Oregon residents can access services like driver’s license and ID card registration and renewal, vehicle registration, and license plate pick-up, as well as insurance information and services. For the shortest wait times, avoid planning your visit on Mondays and Fridays or during lunch hours. Regardless of where you live in the Beaver State, a DMV shouldn’t be too far. Oregon residents may be able to skip their visit altogether and get what they need through the DMV’s online portal.
Conclusion: How to get the cheapest car insurance in Oregon
From the Columbia River Gorge to the Willamette Valley, Oregonians deserve an auto insurance policy as beautiful as their landscape.
To find the best rates, companies, and coverage based on your personal metrics, get a free quote by using an auto insurance quotes comparison site like Insurify. From Mount Hood to Medford, Oregonian drivers deserve to find the cheapest car insurance available.
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