On average, your neighbors pay $69 a month.See Your Rates
Oregon is home to the Ducks, Nike, and many beer breweries. Whether it’s sunny day or pouring rain, Oregon drivers are on the road.
Here you will find all the best info about insuring your car in Oregon. From average costs to local laws, you’ll find everything you need.
How much is car insurance in Oregon? Average premiums in the Beaver State are below the national average. The annual state average cost for auto insurance is $828.03. This is 7.3 percent lower than the national average of $889.01 per year.
Your rate can vary based on your coverage and number of claims in your zip code.
|Total Cost Per Year||$828.03|
|Price Per Month||$69.00|
|Source: Facts + Statistics: Auto insurance|
The graph below shows Oregon auto insurance rates from 2011 to 2015. This is the most up-to-date info available. According to the III, Oregon car insurance rates rose from $723 in 2011 to $828 in 2015. That's a jump of $104 dollars, or 14.41 percent.
When it comes to car insurance in Oregon, finding a policy that fits your needs and budget can be tough. Comparing companies and rates makes things a lot easier.
With QuoteWizard, you can compare quotes from top car insurance companies that serve Oregon drivers and discover which one is best for you. All it takes is a few clicks, and you’ll have all the information and help you need!
Last year, 36,483 people used QuoteWizard to compare car insurance quotes in Oregon from multiple companies and find the cheapest rates.
Out of over 36,000 Oregon drivers that used QuoteWizard to find quotes last year, 5,020 of them had no insurance. These are the main insurers Oregon-based QuoteWizard users had last year:
This list shows the most commonly owned cars of Oregon drivers using QuoteWizard last year.
If your driving and insurance histories is spotty, companies may consider you high-risk. It’s costly for insurance companies to cover high-risk drivers, and some may refuse a policy altogether. But the Oregon Automobile Insurance Plan ensures all drivers can get minimum coverage. Click on the link to see if you qualify.
These companies offer policies for high-risk drivers in Oregon as well:
Insurers see teens as high-risk drivers due to inexperience. As such, teens pay more for auto insurance. Between accidents and tickets, teens are an insurance liability.
Our data shows that teens pay an average of $438 a month for car insurance. The amount can drop to $278 if they’re on a parent's plan. This is still a high price. Luckily, there are many companies that offer a discount for teens with good grades.
These insurance companies offer good coverage for Oregon teens:
Oregon auto insurance costs rose over the past few years. Still, they stay below the national average. The III states that only 12.7 percent of Oregon's drivers are uninsured. This relatively low number keeps car insurance rates down for all Oregon drivers. This offsets the risk from driving in Oregon’s rough, rainy weather too.
Every Oregon registered driver needs the minimum 25/50/20 coverage. This means that every driver needs to have the following:
In addition, all auto insurance policies must have personal injury coverage. This takes care of a driver’s medical expenses for up to a year after an accident. Oregon requires at least $15,000 in personal injury protection.
Minimum coverage is cheaper short term, but not after an accident. Minimum coverage doesn’t include collision or comprehensive coverage. Should you go beyond the limits of your minimum coverage, the out-of-pocket cost could put you in a hard place.
Minimum coverage pays for damages to other people and their property. However, it does nothing to cover you, your injuries, or your property. If you only have minimum coverage and you cause an accident, your expenses are out-of-pocket.
Collision coverage takes care of damages after an accident. Comprehensive coverage pays for damages that only involve your car. This includes events like disasters, theft, and vandalism.
Given that, we recommend the following coverage:
Better coverage means better peace of mind. If your finances allow, get comprehensive and collision coverage. Also get a deductible that works with your budget. To protect against drivers with low or no insurance, consider uninsured/uninsured coverage. Also, look at medical payment coverage and personal injury protection. They cover medical costs after an accident.
All Oregon drivers should be ready to show proof of insurance to law enforcement upon request. Proof of insurance is also required to register or renew registration with the DMV.
Your proof of insurance card needs to include the following info:
Failure to show proof of auto insurance is a traffic infraction. If you cannot provide proof of insurance, you face a $427 fine. An accident without minimum coverage also results in a one-year suspension of your Oregon license.
Oregon drivers with a suspended license due to DUI or other violations must file an SR-22 form. In Oregon the amount of coverage required for proof with an SR-22 is:
In Oregon, total loss is figured by a percentage of the car’s current cash value. If the damage exceeds the percentage of the car's value, it's totaled. In Oregon, the total loss percentage is 80 percent. If damage to your car meets or goes over 80 percent, your insurer considers it a total loss.
Buying insurance in Oregon for a salvage or rebuilt car is difficult. Some insurers don't cover them at all. Also, you can expect to pay higher rates – if you can find coverage.
Oregon has laws in place to cut down on distracted driving accidents. The state prohibits all drivers from using handheld devices while driving.
Law enforcement can and will pull you over and issue a citation if they see you driving with a phone in hand. The same applies to texting while driving. Driving with a handsfree device is okay. Unless it’s an emergency, driving distracted could land you a $142 ticket.
If you drive in Oregon with a Blood Alcohol Content level of 0.08 percent or higher, you're guilty of Driving While Under the Influence (DUI). Depending on how many DUI offenses you have, you could face prison time and pay over $4,000 in fines.
In any case, a DUI can affect your premiums. Our research shows that drivers with DUIs pay an extra $830 per year for car insurance.
Car insurance rates tend to increase when a driver turns 65. As you get older, these rates increase further. In Oregon all drivers 50 and older must renew their licenses in person at a DMV office every eight years. If you have any conditions that impede your ability to drive, your doctor is required to report them.
When driving a vehicle registered to another state in Oregon, you need the insurance required by that state as well as proof of insurance.
Current data shows that Oregon is the 18th worst driving state in the US. Portland, Oregon, ranks as the eighth worst driving city. This ranking is based on accidents, speeding tickets, DUIs, and citations occurring in Oregon.
In 2016, there were 489 traffic fatalities in Oregon, a 9.88 percent increase from 445 in 2015
In 2016, 13,276 vehicles were reported stolen in Oregon.
If your car is a theft risk in Oregon, it might affect your premium. Check the list below and see.
|4||1999||Ford Pickup (Full Size)|
|6||2005||Chevrolet Pickup (Small Size)|
|8||1994||Jeep Cherokee/ Grand Cherokee|
If you’re looking for an auto insurance discount, Oregon has options:
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