120+ more){kind=small}
7+ years in personal finance writing
Certified Financial Education Instructor
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. Her work has appeared in Time’s Stamped personal finance marketplace, Consumer Affairs, Forbes Advisor, Money Under 30 and more.
Jessica specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. As an Insurify contributor since July 2023, she’s written hundreds of articles aimed at helping readers make informed decisions about insurance.
She holds a Masters of Science degree in Cognitive Research Psychology, and is a National Financial Educators Council Certified Financial Education Instructor.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Updated
Non-owner coverage is car insurance for drivers without a car who frequently borrow or rent a vehicle. It provides liability coverage to help pay for injuries or property damage you cause while driving a car that you don’t own. Non-owner insurance is tied to you as the driver, not to a specific vehicle.
For example, you might consider a non-owner’s policy if you occasionally borrow your friend’s car to go into Portland. Let’s say on one of your trips, you cause an accident. Your friend’s vehicle insurance will typically apply first to pay for damages up to the policy limit. Then your non-owner’s policy serves as secondary coverage, covering any remaining costs.
Policies average $38 per month
Non-owner car insurance isn’t required in Oregon if you don’t own a vehicle. In Oregon, it’s illegal to drive without minimum liability coverage.
For people who own a vehicle, the minimum car insurance Oregon drivers must carry includes $25,000 per person and $50,000 per accident in bodily injury liability coverage, plus $20,000 per accident in property damage liability insurance.
The state also requires $15,000 per person in personal injury protection (PIP) coverage to cover medical payments, and $25,000 per person and $50,000 per crash in uninsured motorist coverage.[1]
For example, let’s say you borrowed a friend’s car and caused an accident that caused $25,000 in property damage. With minimum liability coverage, your friend’s insurance should cover the first $20,000. Then your non-owner insurance should cover the remaining $5,000.
While non-owner car insurance is generally not required in Oregon, certain circumstances may require it. For example, if you’re required to file an SR-22 but you don’t own a vehicle, you might need to purchase a non-owner policy to fulfill the SR-22 requirement and maintain your driving privileges.
You might also consider getting a non-owner car insurance policy in Oregon if:
You rent cars often. A non-owner policy can help you avoid purchasing rental car insurance from a car rental company.
You want to maintain continuous coverage. A lapse in coverage can result in higher car insurance rates. A non-owner policy can help you maintain continuous coverage even if you don’t own a car.
You regularly use car-sharing services. While car-sharing services are required to provide insurance coverage for each vehicle, non-owner coverage can act as a secondary layer of protection if you’re in an accident.
An SR-22 in Oregon is a certificate for high-risk drivers that provides proof of insurance. You might need to obtain an SR-22 certificate if you were involved in a crash while uninsured, were convicted of driving while under the influence of intoxicants (DUII), or committed other traffic crimes. In Oregon, you might require an SR-22 even if you don’t own a vehicle.
If Oregon law requires you to file an SR-22 with Oregon’s Department of Motor Vehicles (DMV), you must maintain the filing until the requirement ends. If you fail to file an SR-22, the DMV can suspend your driving privileges. If you get a suspension, you’ll have to pay a reinstatement fee.[2]
In Oregon, non-owner car insurance costs an average of $38 per month, lower than the national average of $46 per month, according to Insurify data.
Non-owner rates in Oregon are lower than in neighboring California, where the average is $47 per month. Rates in Oregon are also lower than those in Washington, which average $43 per month, according to Insurify data. Oregon has a much lower population density than California and Washington, which might help explain its lower rates.
A non-owner policy in Oregon is typically cheaper than a liability or full-coverage policy. The average cost of liability-only coverage in Oregon is $91 per month, and an average full-coverage policy is $156 per month, according to Insurify data.
The following table shows the average monthly cost of non-owner car insurance coverage in Oregon and the U.S.
Non-Owner Car Insurance | Average Monthly Cost |
|---|---|
| Oregon average | $38 |
| National average | $46 |
Save on a non-owner policy
To get non-owner insurance in Oregon, follow these steps:
Look for coverage. Not all car insurance companies sell non-owner policies. This is also true if you require an SR-22. Research which companies offer non-owner car insurance in Oregon.
Compare car insurance quotes. Once you find the insurers that offer non-owner coverage, compare quotes to find the cheapest car insurance options.
Choose coverage limits. You can stick to minimum liability coverage of 25/50/20, or you might decide you want more protection. For help deciding which limits are right for you, consider speaking to an insurance expert.
Purchase a policy. Pay for your coverage and make sure you keep your insurance card on you when driving. Failure to carry proof of coverage can result in a traffic citation.[3]
Below, you’ll find more information about non-owner coverage in Oregon to help you find the best car insurance policy for your needs.
The average cost of non-owner car insurance in Oregon is $38 per month, according to Insurify data. Rates can vary based on factors like your driving history, ZIP code, coverage limits, and the insurer you choose. Adding optional coverage, such as comprehensive, collision, or medical payments coverage, can also increase your rates.
To be eligible for non-owner car insurance in Oregon, you can’t own a car. A non-owner policy is typically optional, but you might need one if you require an SR-22 and don’t own a car.
Non-owner insurance provides liability protection for Oregon drivers who regularly borrow or rent vehicles. A non-owner policy generally costs less than standard liability coverage and can provide an extra layer of protection if you get in an accident.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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7+ years in personal finance writing
Certified Financial Education Instructor
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. Her work has appeared in Time’s Stamped personal finance marketplace, Consumer Affairs, Forbes Advisor, Money Under 30 and more.
Jessica specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. As an Insurify contributor since July 2023, she’s written hundreds of articles aimed at helping readers make informed decisions about insurance.
She holds a Masters of Science degree in Cognitive Research Psychology, and is a National Financial Educators Council Certified Financial Education Instructor.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
