Best Auto Insurance Rates in Oregon

On average, your neighbors pay $69 a month.

See Your Rates
Local Insurance Information

Compare Auto Insurance in Oregon

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.

Average Oregon Car Insurance Rates

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.

Oregon Average Annual Car Insurance Cost
Coverage Cost
Liability $584.13
Collision $226.83
Comprehensive $93.87
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.

Oregon average car insurance rates

Comparing Car Insurance Quotes in Oregon

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 to get the cheapest rates.

Best Car Insurance Companies in Oregon

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:

Top 10 Vehicles in Oregon

This list shows the most commonly owned cars of Oregon drivers using QuoteWizard last year.

  1. Ford F150
  2. Ford Ranger
  3. Honda Accord LX/EX
  4. Ford Explorer
  5. Honda Civic EX/LX
  6. Toyota Prius
  7. Chevrolet Blazer
  8. Ford Taurus SE
  9. Dodge Durango
  10. Jeep Grand Cherokee Laredo
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Best High-Risk Auto Insurance Companies

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:

Best Teen Driver Car Insurance Companies

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 Car Insurance Rate Factors

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.

Oregon Car Insurance Laws

Minimum Car Insurance Requirements in Oregon

Every Oregon registered driver needs the minimum 25/50/20 coverage. This means that every driver needs to have the following:

  • $25,000 of coverage for bodily injury or death of an individual in any single accident
  • $50,000 of coverage for bodily injury or death of all individuals in any single accident
  • $20,000 of coverage for injury to or destruction of property of others in any single accident

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.

Recommended Coverage Levels

Oregon is currently number five for most auto thefts in the nation with nearly 414 car thefts per 100,000 residents every year. To protect yourself, consider buying comprehensive coverage. It covers you for damages that don’t involve another car like theft, vandalism, fire, and natural disasters. And it’ll keep you covered if you have an accident due to Oregon’s rain-soaked streets.

Minimum coverage only includes basic liability. This covers damages you cause to another person in an accident. Unless you’re properly insured, your personal costs come out of your own pocket. Furthermore, an accident can quickly go over the minimum liability amount. That’s a potential cost you do not want. As such, we recommend you get the following levels of liability insurance:

  • Individual Body Injury Liability: $100,000
  • Total Bodily Injury Liability: $300,000
  • Property Damage Liability: $100,000

Required Proof of Car Insurance

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:

  • Name of insurance company
  • Policy number
  • Name of policy owner or leasing company
  • Start and expiration date of policy
  • The car's year, make, or model

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.

SR-22 Requirements

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:

  • $25,000 of bodily injury or death of one person in one accident
  • $50,000 of bodily injury or death of any two people in one accident
  • $25,000 of injury or destruction of property of others in one accident

Totaled Cars with Rebuilt or Salvage Titles

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.

Best and Worst Drivers in Oregon

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.

State of Oregon Traffic Safety Laws

Distracted Driving Laws

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.

DUI Law and Penalties

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.

Senior Drivers

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.

Vehicles Registered in Another State

When driving a vehicle registered to another state in Oregon, you need the insurance required by that state as well as proof of insurance.

Oregon Office of the Insurance Commissioner

Oregon Division of Financial Regulation

Insurance Commissioner:
Andrew R. Stolfi
Insurance Hotline:
866-814-9710
Hours:
Monday - Friday
8:00 am - 5:00 pm

File a Consumer Insurance Complaint

Online Complaint Forms

Sources:

QuoteWizard.com LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. QuoteWizard.com LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.