Cheap Car Insurance in Oregon (With Quotes, May 2022)

With 4.1 million registered vehicles on the roads in Oregon, it’s important to make sure you’re covered in the event of a car accident. Oregon drivers pay rates that are slightly lower than the national average, but that doesn’t mean you don’t need to shop around to find the cheapest car insurance. Use Insurify to find your best rate today.

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Don’t worry—your insurance premiums don’t have to be expensive. Insurify gathered average rates from some of the Beaver State’s top providers and found the best rates for Oregon drivers.

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Cheapest Liability Auto Insurance in Oregon

Buying state minimum liability coverage is one way to keep the costs of your policy down. This type of policy meets the state’s minimum requirements for car insurance. Here’s what you can expect to pay for liability car insurance that just meets the state’s requirements.

Cheapest Full-Coverage Auto Insurance in Oregon

Full-coverage car insurance covers more than a minimum liability insurance policy does. With a full-coverage policy, you’ll probably have collision coverage and comprehensive coverage included. You’ll pay higher rates than you would for a liability-only policy, but you also have more coverage to protect you.

The cheapest insurers aren’t always the best ones, but the best car insurance companies don’t have to be the most expensive, either. These five companies were the top performers in Oregon when we ranked them by their Insurify Composite Score, a proprietary rating system that assesses the best insurers.

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Insurify Composite Score

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect 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 and customer complaints; mobile app reviews; and user-generated company reviews.

Your driving record is extremely important in determining your car insurance rates. Insurance companies like to cover people with clean driving records. They reward good drivers with lower rates. Compare these rates to see how your driving record can impact your annual premium.

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Cheap Car Insurance for Good Drivers in Oregon

A good driver is someone whose driving record doesn’t have any violations on it. These drivers are the cheapest to insure because they’re less likely to cause accidents or commit moving violations. Our research found these ultra-affordable rates for good drivers in Oregon.

Cheap Car Insurance for Drivers with DUI in Oregon

DUIs can have a big impact on car insurance rates because people who drive under the influence are typically considered high-risk. However, it can still be possible to find affordable rates with a DUI on your record. These rates represent the averages that drivers with DUIs can expect to pay in Oregon.

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SR-22 Insurance in Oregon

SR-22s are issued by insurance companies to drivers who have committed serious driving offenses, such as DUIs. They’re often a condition of getting your license reinstated after it has been suspended. SR-22s prove that you’re carrying at least the minimum insurance required to operate a vehicle. These are some of the insurance companies that issue SR-22s in Oregon.

Cheap Car Insurance for Drivers with an At-Fault Accident in Oregon

Causing an accident is an indicator that you’re risky to insure because insurers have to pay out when you cause an accident. Just one accident can affect your rates for three to five years if you’re at fault. That’s why it’s so important to shop around and compare rates if you have an at-fault accident on your record.

Cheap Car Insurance for Drivers with Speeding Tickets in Oregon

Like other moving violations, speeding tickets are an indicator of risk. They stay on your record for three to five years. However, it’s still possible to find affordable car insurance if you look around. We found these average quotes for Oregonians with speeding tickets.

In many states, car insurance rates are affected by credit scores. People with good credit tend to have lower rates than people with poor credit. However, some states don’t allow insurance companies to factor in your credit score at all. Oregon is one of a handful of states that restrict how insurance companies can use the information.

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As you can see from the below quotes, car insurance costs vary greatly in Oregon depending on where you live. We analyzed average monthly insurance quotes for these 10 cities in Oregon.

Age has a significant impact on car insurance. Teen drivers pay the highest premiums because they don’t have much experience behind the wheel. Premiums tend to drop as you get older and attain more experience, then rise again as you hit your senior years. Here’s what average premiums look like for different age groups in Oregon, from young drivers to people in their 80s.

Every state has minimum insurance requirements, and Oregon is no exception. Additionally, all drivers in Oregon will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Oregon.

Minimum Car Insurance Requirements in Oregon

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 in a car 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.

Oregon DMV Information

Oregon Driver & Motor Vehicle Services offers many important services for drivers. They issue licenses and ID cards (including the REAL ID, which you’ll need to fly), license plates, and vehicle registrations. Many of these services are available online for added convenience.

Public Transportation in Oregon

Oregon’s Public Transportation Division is hard at work supporting local and regional public transportation services. Oregon doesn’t have statewide public transportation, but many cities have their own public transportation services to help people get around. For example, Portland maintains TriMet, a transportation network that includes bus, light-rail, and commuter rail.

Oregon also has some intercity transportation options, including the POINT Intercity Bus Service, the Columbia Gorge Express, and Amtrak Cascades Passenger Rail.

The best and easiest way to find affordable car insurance in Oregon is to compare quotes from different insurance companies. Insurify makes it easy to compare by helping you find quotes from all the top insurers in Oregon.