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Traveling on Oregon's scenic highways and byways entails certain dangers. Drivers must protect their investments, and so they should carry a certain minimum amount of auto insurance in Oregon. Auto insurance is required in Oregon for all licensed drivers who own a registered vehicle in the state. Oregon drivers can find cheap car insurance by choosing an insurer that provides low-cost plans.

There are 122,395 miles of road in the Beaver State, only waiting to be powered. We'll get you ready before you can take the wheel by introducing you to the best car insurance companies in Oregon. Before you reach the lane, you must have sufficient coverage. Finding the best auto insurance in Oregon for your unique needs takes some time and effort, but it is well worth it for the financial security it provides.

Minimum Required Auto Insurance Coverage in Oregon

Every driver in Oregon must carry four types of auto insurance: bodily injury liability, property damage liability, personal injury protection, and uninsured motorist coverage. The following are the minimum coverage levels:

Required coverage Level of coverage required
Bodily injury liability $25000 per person
Property damage liability $25000
Personal injury protection $15000 per person
Uninsured motorist coverage $25000 per person

Cheapest Car Insurance in Oregon for Minimum Required Coverage

The insurance business does not have a standardized rate structure. Some insurance businesses charge higher prices than the industry average, while others charge lower rates. If you're looking for low-cost auto insurance in Oregon, we recommend comparing many quotes to determine which company is the most cost-effective for you.

The average annual cost of car insurance from some of Oregon's best car insurance companies is shown in the table below:

Car Insurance Company AVERAGE ANNUAL RATE
USAA $849
State Farm $932
MetLife $958
Country Financial $982
Travelers $1,026
Progressive $1,040
The General $1,080
Statewide Average $1,149
Nationwide $1,157
Farmers Insurance $1,276
American Family Insurance $1,389
Allstate $1,756

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Do I Need More Than the Minimum Required State Coverage in Oregon?

To protect your finances, it is always a good idea to purchase auto insurance that provides more coverage than the bare minimum. Although the premiums may be higher, you will save a lot of time, energy, and money in the long term. In most states, car insurance is no longer optional.

Compared to several other US states, Oregon's car insurance regulations are average. However, just because you have the minimum amount of car insurance does not imply you are adequately covered.

When looking at the minimal responsibility standards, $25,000 for injuries to someone you injure in an accident may seem like a lot. Still, it may add up rapidly, especially if the injuries are significant. A similar issue arises with the $50,000 total for all wounded parties, as several injuries might quickly deplete that amount. Furthermore, $20,000 in property damage coverage is a drop in the bucket compared to the cost of a new car in the United States.

Fortunately, these limits may usually be extended for a modest increase in your premium. Keeping your liability limits as high as you can afford is a good idea, especially if you have a lot of money to protect.

Average Cost of Auto Insurance Companies in Oregon

Not sure where to start?

Finding cheap insurance in Oregon is relatively easy. Drivers should be mindful, however, that not all car insurance firms are produced equal. These are Oregon's most substantial low-cost auto insurance companies, as well as their overall annual minimum coverage and maximum coverage premiums.

Before you finalize any of these car insurance rates it is important to go through various car insurance quotes in Oregon.

The team at Way.com conducted research to find the best car insurance in Oregon. We rated the following insurance companies in Oregon based on customer satisfaction and financial stability. These are the top-rated and cheapest car insurance providers in Oregon for 2021.

Cheapest car insurance quotes for Oregon drivers

USAA also has the best full-coverage insurance rates in Oregon, at $907 per year or $74 per month. This is 52% less expensive than the state average.

Car Insurance Company AVERAGE ANNUAL RATE
USAA $907
State Farm $992
Country Financial $1,019
Progressive $1,080
Travelers $1,086
Nationwide $1,105
The General $1,185
Statewide Average $1,197
Farmers Insurance $1,353
American Family Insurance $1,426
Allstate $1,822

Cheap car insurance in Oregon for young Oregon drivers

We recommend starting your search for affordable minimum-coverage auto insurance with Country Financial if you're a young driver. The company's average annual premium of $2077 is 59% less than Oregon's average rate for young drivers.

Young drivers are statistically more likely to be involved in accidents than drivers in their 30s and 40s, inexperienced drivers generally pay higher insurance prices. In Oregon, a minimum-coverage policy for an 18-year-old driver will cost three times as much as one for a 30-year-old.

18-YEAR-OLD FEMALE 18-YEAR-OLD MALE
Allstate $6,105 $6,751
American Family Insurance $3,709 $3,819
Country Financial $2,077 $2,280
Farmers Insurance $6,704 $7,092
The General $3,324 $2,890
Nationwide $3,770 $4,475
Progressive $6,917 $7,534
State Farm $2,685 $3,376
Travelers $3,338 $4,069
USAA $2,626 $2,664
Statewide Average $4,126 $4,495

Cheap car insurance for Oregon drivers with a speeding ticket

For drivers who have received a speeding citation in Oregon, Progressive offers the most affordable rates. The company's average yearly premium for a full-coverage policy is $1088, an increase of $88 over a driver with a clean driving record and 58% less than the state average.

A single speeding ticket in Oregon can raise your insurance rates by up to 27% on average. For drivers with a history of accidents, Progressive offers the cheapest full-coverage premiums. The average annual rate for Oregon drivers who cause an accident is $1,632, but Progressive's rates are 61% lower.

Car Insurance Company AVERAGE ANNUAL RATE
Progressive $1,088
Nationwide $1,148
The General $1,290
American Family Insurance $1,317
State Farm $1,438
USAA $1,494
Statewide Average $1,497
Travelers $1,632
Farmers Insurance $1,688
Allstate $1,732
Farmers $1,844
MetLife $2,085
Country Financial $2,143

Cheap auto insurance for Oregon drivers after a car accident

For drivers with a history of accidents, American Family Insurance offers the cheapest full-coverage premiums. The average annual rate for Oregon drivers who cause an accident is $1,944, but American Family Insurance's rates are 61 percent lower, at $1281. After an at-fault collision, the average annual premium for a full-coverage policy will always rise.

Every car insurance company uniquely approaches an accident, and THE GENERAL is the most expensive car insurance company after an at-fault accident. THE GENERAL raises premiums by more than $2,000 per year. On the other hand, State Farm only hikes rates by $270.

Car Insurance Company AVERAGE ANNUAL RATE
American Family Insurance $1,281
USAA $1,364
Allstate $1,430
Nationwide $1,501
Travelers $1,710
Farmers Insurance $1,756
Statewide Average $1,757
Progressive $1,903
Country Financial $1,944
State Farm $1,987
MetLife $2,084
The General $2,698

Cheap car insurance quotes for Oregon drivers with a DUI

Nationwide has the most affordable rates for Oregon DUI drivers at $1,078 per year. American Family Insurance and Farmers Insurance are two more low-cost firms, with premiums below the state average of $1744 per year after a DUI.

Car Insurance Company AVERAGE ANNUAL RATE
Nationwide $1,078
American Family Insurance $1,277
Farmers Insurance $1,465
State Farm $1,485
USAA $1,652
Country Financial $1,678
Statewide Average $1,744
The General $1,867
Progressive $2,081
MetLife $2,075
Allstate $2,388
Travelers $2,471

Cheap car insurance for married Oregon drivers

In Oregon, married drivers pay less for car insurance than single drivers – approximately 5% less on average. In Oregon, State Farm did not offer a discount to married drivers, but it still had the cheapest rate for full coverage car insurance, at $893 per year. Progressive drivers got the highest discount, with over 15% off – $284 off the average full-coverage rate at Progressive.

Company Annual Rate
State Farm $893
Country Financial $1,145
Progressive $1,673
American Family $1,841
Nationwide $2,033
Farmers $2,321
Allstate $2,357
The General $2,525
USAA $1,049

Cheap full coverage car insurance quotes for young drivers with an accident history

For young drivers who have been in a collision, Country Financial has the best minimum-coverage rates. The average yearly premium is $1959, 52% less than the Oregon average. After an 18-year-old driver is involved in an at-fault collision, the average annual rate increases by 33%, from $3078 to $4092.

Company Annual rate
Country Financial $1959
State Farm $1998
THE GENERAL $3846
Nationwide $4392
American Family $5412

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Compare car insurance rates in top Cities

Portland's car insurance is among the most costly in the state of Oregon. However, if you live in Stumptown, you can always find low-cost car insurance by comparing various car insurance quotes.

Progressive issued the most affordable car insurance rates in Portland. While the Portland city average for a driver was $1563 per year, Progressive was $642 less expensive, at $930 per year.

Due to crime rate, weather risks, accident rate, and the number of uninsured drivers in the city, Oregon car insurance costs vary by city and ZIP code. Here's a look at the average full-coverage car insurance rates in Oregon's 20 most populous cities, as well as how they compare to the state average.

CityAnnual Rate
Adams$1,661
Adel$1,685
Adrian$1,661
Agness$1,685
Albany$1,613
Allegany$1,685
Aloha$2,141
Alsea$1,769
Altamont$1,757
Alvadore$1,709
Amity$2,021
Antelope$1,817
Arch Cape$1,889
Arlington$1,745
Arock$1,697
Ashland$1,697
Ashwood$1,733
Astoria$1,829
Aumsville$1,901
Aurora$1,937
Azalea$1,733
Baker City$1,601
Bandon$1,685
Banks$2,009
Barview$1,697
Bates$1,625
Bay City$1,901
Bayside Gardens$1,889
Beatty$1,793
Beaver$1,913
Beavercreek$2,213
Beaverton$2,093
Bend$1,685
Bethany$2,105
Blachly$1,697
Black Butte Ranch$1,757
Blodgett$1,781
Blue River$1,757
Bly$1,769
Boardman$1,649
Bonanza$1,673
Boring$2,297
Bridal Veil$2,249
Bridgeport$1,637
Brightwood$2,237
Broadbent$1,721
Brogan$1,637
Brookings$1,673
Brothers$1,685
Brownsville$1,697
Bunker Hill$1,709
Burns$1,637
Butte Falls$1,769
Buxton$2,021
Camas Valley$1,685
Camp Sherman$1,733
Canby$2,069
Cannon Beach$1,865
Canyon City$1,661
Canyonville$1,709
Carlton$2,033
Cascade Locks$1,877
Cascadia$1,733
Cave Junction$1,733
Cedar Hills$2,117
Cedar Mill$2,105
Central Point$1,661
Chemult$1,769
Chenoweth$1,793
Cheshire$1,745
Christmas Valley$1,757
Clackamas$2,273
Cloverdale$1,913
Coburg$1,649
Columbia City$1,973
Coos Bay$1,565
Coquille$1,697
Cornelius$2,105
Corvallis$1,661
Cottage Grove$1,685
Cove$1,649
Crabtree$1,721
Crane$1,637
Crater Lake$1,781
Crawfordsville$1,709
Crescent$1,781
Creswell$1,649
Dairy$1,805
Dale$1,661
Dallas$1,865
Damascus$2,285
Days Creek$1,697
Dayton$2,033
Dayville$1,673
Deadwood$1,673
Deer Island$1,925
Depoe Bay$1,793
Deschutes River Woods$1,589
Detroit$1,889
Dexter$1,721
Diamond Lake$1,769
Dillard$1,685
Donald$2,093
Dorena$1,709
Drain$1,685
Drewsey$1,649
Dundee$2,033
Dunes City$1,673
Durkee$1,649
Eagle Creek$2,237
Eagle Crest$1,709
Eagle Point$1,685
Echo$1,673
Elgin$1,673
Elkton$1,709
Elmira$1,733
Enterprise$1,613
Estacada$2,237
Eugene$1,673
Fairview$2,381
Fall Creek$1,757
Falls City$1,925
Fields$1,673
Florence$1,685
Forest Grove$2,057
Fort Klamath$1,805
Fort Rock$1,733
Foster$1,733
Four Corners$2,057
Fox$1,673
Frenchglen$1,661
Gales Creek$2,057
Garden Home-Whitford$2,093
Gardiner$1,697
Garibaldi$1,901
Gaston$2,033
Gates$1,829
Gearhart$1,853
Gervais$2,069
Gilchrist$1,721
Gladstone$2,153
Glasgow$1,673
Glendale$1,709
Gleneden Beach$1,793
Glide$1,721
Gold Beach$1,673
Gold Hill$1,589
Government Camp$2,105
Grand Ronde$1,865
Granite$1,649
Grants Pass$1,697
Grass Valley$1,805
Green$1,661
Greenhorn$1,649
Greenleaf$1,673
Gresham$2,501
Haines$1,661
Halsey$1,685
Hammond$1,841
Happy Valley$2,321
Harbor$1,673
Harper$1,649
Harrisburg$1,685
Hayesville$2,045
Hebo$1,925
Helix$1,685
Hereford$1,649
Hermiston$1,661
Hillsboro$2,009
Hines$1,661
Hood River$1,769
Hubbard$2,081
Idanha$1,889
Idleyld Park$1,757
Imbler$1,661
Imnaha$1,673
Independence$1,925
Ione$1,685
Ironside$1,625
Irrigon$1,673
Jacksonville$1,733
Jamieson$1,637
Jeffers Gardens$1,829
Jefferson$1,829
John Day$1,637
Junction City$1,721
Juntura$1,673
Keizer$1,985
Keno$1,805
Kent$1,769
Kerby$1,721
Kimberly$1,673
King City$2,045
Klamath Falls$1,781
La Grande$1,625
La Pine$1,745
Lafayette$2,045
Lake Oswego$1,973
Lakeside$1,697
Lakeview$1,697
Langlois$1,697
Lebanon$1,685
Lexington$1,685
Lincoln Beach$1,793
Lincoln City$1,793
Logsden$1,805
Long Creek$1,673
Lookingglass$1,661
Lorane$1,733
Lostine$1,649
Lowell$1,709
Lyons$1,829
Madras$1,745
Manning$2,009
Manzanita$1,889
Mapleton$1,721
Marion$1,913
Marylhurst$2,105
Maupin$1,841
Maywood Park$2,561
McMinnville$1,985
Meacham$1,661
Medford$1,673
Mehama$1,913
Melrose$1,661
Merlin$1,697
Metolius$1,745
Midland$1,805
Mikkalo$1,745
Mill City$1,865
Millersburg$1,661
Milton-Freewater$1,685
Milwaukie$2,201
Mission$1,637
Mitchell$1,697
Molalla$2,237
Monmouth$1,841
Monroe$1,673
Monument$1,733
Moro$1,733
Mosier$1,781
Mount Angel$2,033
Mount Hood Parkdale$1,685
Mount Vernon$1,661
Mulino$2,153
Murphy$1,709
Myrtle Creek$1,697
Myrtle Point$1,721
Neotsu$1,793
Netarts$1,889
New Hope$1,685
New Pine Creek$1,673
Newberg$2,021
Newport$1,769
North Bend$1,673
North Plains$2,105
North Powder$1,649
Noti$1,769
Nyssa$1,637
O Brien$1,781
Oak Grove$2,189
Oak Hills$1,949
Oakland$1,673
Oakridge$1,697
Oceanside$1,913
Odell$1,769
Ontario$1,649
Ophir$1,709
Oregon City$2,189
Otis$1,817
Otter Rock$1,769
Oxbow$1,637
Pacific City$1,913
Paisley$1,721
Paulina$1,661
Pendleton$1,637
Philomath$1,709
Phoenix$1,661
Plush$1,733
Port Orford$1,661
Portland$2,297
Post$1,661
Princeton$1,649
Prineville$1,637
Prospect$1,805
Rainier$1,877
Raleigh Hills$2,117
Redmond$1,709
Redwood$1,685
Reedsport$1,685
Rhododendron$2,213
Richland$1,637
Rickreall$1,937
Riddle$1,709
Riley$1,673
Ritter$1,673
Riverside$1,673
Rockaway Beach$1,901
Rockcreek$2,105
Rogue River$1,685
Roseburg$1,661
Roseburg North$1,673
Rufus$1,721
Saint Benedict$2,021
Saint Paul$2,069
Salem$2,009
Sandy$2,261
Scappoose$1,973
Scio$1,757
Scotts Mills$2,057
Scottsburg$1,709
Seal Rock$1,757
Seaside$1,853
Selma$1,745
Seneca$1,673
Shady Cove$1,769
Shaniko$1,805
Shedd$1,673
Sheridan$1,949
Sherwood$1,937
Silver Lake$1,721
Silverton$1,925
Sisters$1,757
Sixes$1,697
South Beach$1,769
Sprague River$1,793
Spray$1,733
Springfield$1,733
St. Helens$1,949
Stafford$2,033
Stanfield$1,661
Stayton$1,853
Sublimity$1,877
Summer Lake$1,721
Summerville$1,673
Sumpter$1,649
Sunriver$1,757
Sutherlin$1,661
Sweet Home$1,721
Swisshome$1,733
Talent$1,685
Tangent$1,661
Tenmile$1,685
Terrebonne$1,673
The Dalles$1,793
Tidewater$1,793
Tigard$2,081
Tillamook$1,901
Tiller$1,757
Timber$2,045
Timberline Lodge$2,105
Toledo$1,805
Tolovana Park$1,889
Trail$1,673
Tri-City$1,697
Troutdale$2,333
Tualatin$1,853
Turner$1,913
Tygh Valley$1,817
Ukiah$1,661
Umatilla$1,661
Umpqua$1,733
Union$1,637
Unity$1,661
Vale$1,637
Veneta$1,757
Vernonia$1,949
Vida$1,757
Waldport$1,781
Walterville$1,757
Walton$1,685
Warm Springs$1,817
Warren$1,949
Warrenton$1,817
Waterloo$1,685
Wedderburn$1,709
Welches$2,225
West Haven-Sylvan$2,117
West Linn$2,033
West Slope$2,117
Westfall$1,661
Westfir$1,721
Westlake$1,721
Wheeler$1,889
White City$1,721
Wilbur$1,685
Wilderville$1,745
Willamina$1,913
Williams$1,805
Wilsonville$1,985
Winchester$1,673
Winston$1,673
Wolf Creek$1,745
Wood Village$2,345
Woodburn$2,105
Yachats$1,781
Yamhill$2,021
Yoncalla$1,685

Cheap auto insurance in Oregon with bad credit

Company Avg. Annual Premium
The General $1,609
Nationwide $1,808
Travelers $2,009
USAA $2,078
State Farm $2,517
Farmers $2,530
Progressive $2,836
Allstate $3,117

Oregon auto insurance rate by violation

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
None $1,519 1% $10
One Med/PIP claim $1,521 1% $30
Not-at-fault accident $1,574 5% $65
One comp claim $1,609 7% $100
Two Med/PIP claims $1,629 8% $121
Failure to wear a seat belt $1,730 15% $221
Child safety restraint $1,781 18% $273
Two comp claims $1,790 19% $281
Driving without lights $1,781 19% $283
Failure to show documents $1,813 21% $305
Driving with expired registration $1,857 23% $348
Speeding 6 - 10 MPH over limit $1,915 27% $406
Speeding 16 - 20 MPH over limit $1,915 27% $407
Speeding 11 - 15 MPH over limit $1,915 27% $407
Driving too slowly $1,920 28% $411
Wrong way/wrong lane $1,931 28% $422
Failure to stop at a red light $1,932 28% $424
Following too closely $1,933 28% $424
Failure to yield $1,933 28% $424
Improper passing $1,934 29% $425
Illegal turn $1,934 29% $425
Texting while driving $1,934 29% $435
Cell phone violation $1,935 29% $426
Passing school bus $2,007 31% $498
Speeding in school zone $2,096 39% $587
Speeding 21 - 25 MPH over limit $2,137 42% $628
In 65 MPH zone $2,161 44% $652
At-fault accident - less than $1000 $2,181 45% $672
Open container $2,306 47% $698
Operating a vehicle without permission $2,227 48% $718
At-fault accident - $1000-$2000 $2,319 54% $811
At-fault accident - greater than $2000 $2,329 55% $820
Refusal to submit to a chemical test $2,622 74% $1,113
Racing $2,648 76% $1,139
DUI $2,669 77% $1,161
Reckless driving $2,681 78% $1,172
Driving with a suspended license $2,697 79% $1,189
Leaving scene of an accident/hit and run $2,780 85% $1,292

Car insurance price trends in Oregon

Year Avg. Annual Premium — Oregon Yearly Change — Oregon Avg. Annual Premium — US Yearly Change — US
2021 $1,335 -$17 $1,519 $56
2020 $1,342 -$99 $1,493 -$51
2019 $1,451 $16 $1,554 $33
2018 $1,445 -$351 $1,531 $94
2017 $1,806 $224 $1,447 $69
2016 $1,572 -$323 $1,378 $88
2015 $1,895 $206 $1,290 $61
2014 $1,679 $145 $1,239 $44
2013 $1,524 -$53 $1,205 -$90
2012 $1,587 $333 $1,286 $92

How to find the best car insurance in Oregon

Although car insurance rates in Oregon are not excessively high, there are ways to save money and get a cheaper premium. Here are some ideas for finding low-cost and best car insurance:

  • Improve your credit score: If you have a bad credit score, your auto insurance rate will certainly be high. Even by a few points, raising your credit score can help you qualify for a cheaper interest rate.
  • Pay your premium in whole: If you can afford the out-of-pocket cost, paying your annual premium in full can help you get a lower rate.
  • Take a defensive driving course: Most insurance companies will discount you if you take a defensive driving or driver safety course.
  • Raise your deductible: Lower your monthly premium by increasing your deductible. Ensure that you can afford a greater deductible if you need to file a claim.
  • Change your car insurance company: You can switch carriers at any time throughout your policy duration if you find a better bargain with another insurance company.

Reasons Why Auto Insurance Costs More in Oregon

The cost of car insurance is heavily influenced by where you live. Other factors affecting your premium include your age, where you live, your driving record, and which insurance provider you choose. Drivers in Oregon pay much less for full coverage automobile insurance than drivers in the rest of the country.

Things to Know About Car Insurance When Moving to Oregon

While almost every state requires drivers to get auto insurance, each state has its unique set of requirements, and Oregon is no different. These are just a few of the local vehicle insurance laws to be aware of.

In some areas, regardless of who was at fault for an accident, drivers use their own policy's injury protection coverage for medical bills and other expenditures. The fault-based approach used in Oregon and many other states means that the driver who caused the accident (or their insurance company) is liable for absorbing these costs.

Car insurance companies in Oregon have the right to cancel an Oregon driver's policy at any moment for various reasons. Car insurance companies are only required to give ten days' notice before cancelling a policy owing to non-payment under the legislation. However, insurance may be cancelled for various reasons, including a poor driving record, a history of claims, or even weak credit.

In these circumstances, insurance firms must provide at least 30 days' notice—along with an explanation—before cancelling coverage.

Oregon is a decreased value state, meaning drivers can sue the at-fault party's insurance provider for diminished value. Even if your car is repaired to its pre-loss state after an accident, its resale value diminishes.

Your car's value is reduced due to its involvement in a collision compared to similar automobiles that have not been in an accident. A claim for diminished value helps you reclaim any damages you may have incurred when selling your car.

You can file by contacting the at-fault party's insurer because Oregon is one of 15 states that provides reimbursement for diminished value.

Certain elements must be completed to file a decreased value claim in Oregon:

  • If you were the one who caused the accident, you are not entitled to compensation.
  • To submit your claim, you will need to provide documentation. Ensure you have images, records of repairs, and verification of the car's value from a reputable source.
  • The statute of limitations for bringing a decreased value claim in Oregon is six years.
  • Uninsured motorist coverage for decreased value claims is available in Oregon.

To comply with the law, you must insure, title, and register your car within 30 days of moving to Oregon. Way.com provides coverage that complies with all Oregon insurance rules, and our experts can shop around for the best rates on your behalf with many companies.

We can also assist you in finding the greatest deals if you're seeking more economical coverage. Please get in contact with us today to get a free quote!

How to Get Discounts on Car Insurance in Oregon

In Oregon, you can get car insurance discounts based on how you drive, the car you own, and your insurance company's relationship with you. Car insurance providers in Oregon can use characteristics such as job, residence, and marital status when determining premiums.

Discount How It Works
Good Driver Drivers with a clean record and no claims history save on insurance.
Driver Education Insurance companies are required by state law to provide a discount to older drivers who complete an approved defensive driving course. Drivers must be 50 years of age or older to qualify.
Continuously Insured Drivers who have been insured for 6 months or more save on insurance.
Billing and Payments If you pay for your policy in full, set up automatic payments, pay online, or go paperless, you can save.
Policy Bundling Insure multiple vehicles or get different policy types (like home and auto) from the same company can earn a discount.
Good Student Young drivers with a “B” average or higher are eligible for discounts.
Usage-Based Some insurance companies offer discounts for drivers who are willing to have their driving habits monitored by an electronic device attached to your car and/or their smartphone.
Safety Features Cars featuring multiple airbags, anti-lock brakes, daytime running lights, and other safety add-ons can save on car insurance.
Anti-Theft Systems Car alarms, LoJack, steering wheel locks, or other anti-theft features can make comprehensive coverage more affordable.

Oregon Car Insurance Laws

Like most other states in the United States, Oregon requires drivers to have a specific amount of auto insurance coverage. When driving, proof of insurance must be carried at all times and given to any law enforcement official who wants it.

Following Oregon's insurance laws is not only a legal obligation but is also a wise financial decision. It has the potential to safeguard you and your assets while also providing you with more peace of mind. If you're concerned about the different prices of more coverage, it's time to shop around.

Way.com can assist you in obtaining quotes from a variety of leading insurance companies, allowing you to compare coverage options and rates to choose the best vehicle policy for your needs.

Oregon PIP Requirements

Each driver in Oregon is responsible for their medical bills and those of their passengers following an accident, up to the limits of their Personal Injury Protection (PIP) coverage. PIP coverage pays for medical expenses incurred by you and your passengers in the event of an accident, regardless of fault. In the event of high medical bills, significant injury, or death as a result of an auto accident, drivers might still profit from the at-fault party's liability.

In Oregon, the minimum amount of PIP coverage is $15,000.

Auto insurance coverages in Oregon

Proof of Auto Insurance in Oregon

If you are pulled over and do not have proof of insurance, you WILL face serious consequences. A current insurance card, a copy of your policy, an official letter from your insurance carrier, or a DMV certificate of self-insurance are all acceptable forms of proof of coverage.

It's simply not worth it to drive without proof of insurance, as the consequences can vary from penalties to license suspension. The DMV may contact you at any time to check your information at its discretion. Your license may be suspended if you don't have it or supply inaccurate information.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

Who has the cheapest car insurance in Oregon?

State Farm offers the cheapest minimum insurance coverage in Oregon for $520 a year, or $43 per month.

Why is car insurance so expensive in Oregon?

Car insurance in Oregon is costly because the state's minimum insurance provisions, including personal injury compensation and uninsured motorist coverage, are higher than most. In Oregon, full coverage auto insurance will cost about $1325 per year, while minimum coverage will cost around $639 per year.

How much does car insurance cost in Oregon?

The average cost of auto insurance in Oregon is $1377 a year, which is 3.5 percent less than the national average.

What car insurance is required in Oregon?

Any driver in Oregon is required by law to have at least the following minimum car insurance coverages:

Injury to the body: $25000 per person and $50000 per accident. Property loss is valued at $20000 per accident. Personal injury coverage is $15000 per person.

How much is car insurance in Oregon per month?

The average cost of auto insurance in Oregon is $114.75 a month, which is 3.5 percent less than the national average.

Is it illegal to drive without insurance in Oregon?

Driving without insurance is illegal in the state of Oregon. Any registered driver is required by law to have vehicle liability insurance while they are on the road. Failure to do so would result in financial penalties as well as the loss of driving privileges.

Does insurance follow the car or driver in Oregon?

Car insurance in Oregon follows the car. If you have purchased an auto policy from an independent or exclusive agent or a direct writer firm, and it bears your name at the top. On the other hand, auto insurance is just for the vehicles specified on the policy, not any car you drive.

What is full coverage insurance in Oregon?

The full coverage insurance in Oregon is generally characterized as a policy that offers more than the state's minimum liability coverage of $25000 per person, up to $50000 per accident, and $20000 in property damage coverage.

Do I need insurance to register a car in Oregon?

You must provide evidence of insurance to register your vehicle in Oregon. You must also carry proof of insurance document in your car if you are pulled over or involved in an accident.

Is car insurance cheaper in Oregon or Washington?

The average annual auto insurance premium in Washington is $8 less than the average premium in Oregon. Your coverage selection, insurance background, and car insurance provider of choice will determine the exact cost.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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