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Cheap DUI Car Insurance in Oregon (With Quotes)

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Jeanette Wisniewski

By: Jeanette Wisniewski

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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Best DUI Insurance Companies in Oregon (2022)

For drivers with a DUI or DWI offense in Oregon, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after a DUI.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Oregon. The following are the best insurance rates from carriers that offer car insurance for drivers with a DUI in Oregon.

CarrierAvg. Monthly Cost
Mile Auto$93
Kemper$116
Travelers$141
Nationwide$151
Metropolitan Property and Casualty Insurance Company$167
Liberty Mutual$175
American Family Insurance$191
Safeco Insurance$204
Dairyland Insurance$206
Bristol West$210

DUI Car Insurance Costs in Oregon

In Oregon, a DUI or DWI offense will on average have drivers paying $325 per month and $3,900 per year for their car insurance rates.

Compared to drivers with a clean driving record, that is on average an 74% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.

Avg. Monthly Cost - No Violation
$187
Avg. Monthly Cost - After DUI
$325
$138 ▴
73.80% ▴
Monthly Impact of DUI on Rates
Percent Bad DUI Impact Rates

Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.

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How Much Does a DUI Impact Car Insurance Rates in Oregon?

Oregon insurance companies raise their rates every time a policy owner's risk factor increases. DUI drivers are assigned high risk automatically and pay over 73 percent more for their car insurance after their conviction. Though a difference of $137 a month may not seem like a lot, it can add up quickly. Car insurance companies often make the driver pay this elevated rate for five years.

The average premium that Oregon DUI drivers can hope for is $324.72 per month. In five years, that amounts to an additional $8,220 they will have paid due to one driving mistake.

No Violation - Avg. Monthly Rate After DUI - Avg. Monthly Rate Average Percent Increase After DUI
$187$32573.80%

What Are the Average Car Insurance Prices After a DUI in Oregon?

DUI drivers would turn back the hands of time if they could, for many reasons. One is that insurance rates always climb after a DUI. What motorists can do going forward is shop multiple insurance companies for a more affordable rate than their current one.

How do you know if you have a reasonable rate? Drivers searching for rates after a DUI will find that their average premiums amount to $324.72. Though that's a 73 percent increase over the average rate for non-DUI drivers, it isn't as high as it could be. Insurance companies in other states charge hundreds more. For reference, Oregon ranks 38th in the list of states by insurance rates after a DUI.

Oregon After DUI Avg. Monthly Rate Most Expensive State for DUI (1-50)
$32538th

How Long Is the Lookback Period for a DUI in Oregon?

Penalties for DUIs are dependent on how many DUIs you already have and how long it's been between them. This length of time is called a lookback period. In Oregon, the lookback period for non-felony DUI offenses is 10 years. The state ignores any DUI offense that is not a felony and has been on your record for more than 10 years, in terms of sentencing subsequent DUIs.

If you have three DUIs within 10 years, that third DUI is considered a felony. Felony DUIs do not drop off of your record. The lookback period for felony DUIs in Oregon is a lifetime.

Oregon DUI Penalties

Jail, fines, community service, and license suspension are just some of the consequences DUI drivers in Oregon face. Spelling out how much and how long depends on just how many DUIs you have when convicted. While jail is a real consequence for first- and second-time offenders, they can commit to 80 hours of community service hours instead. Third-time offenders face up to five years in jail. Community service isn't an option.
Everyone with a DUI in Oregon faces license suspension. First- and second-time offenders lose their license for one and three years, respectively. Drivers with a third offense can lose their license forever.

Top Auto Insurance Companies

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Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Oregon Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Oregon. Insurify analyzed the latest data for the five most populous cities in Oregon to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings 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 provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS 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. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Jeanette Wisniewski
Jeanette Wisniewski

Content Writer at Insurify

Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.

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