Best Car Insurance Rates In The Great State of Oregon

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Compare Auto Insurance Quotes in Oregon to Get the Best Rates

Compare Auto Insurance Quotes in Oregon to Get the Best Rates

Home of the famous Oregon trail, residents of this Northwest state have turned in their dust-covered wagons for comfortable cars and trucks when it comes to getting around the beautiful mountains and valleys that Oregonians call home.

Below you will find a variety of resources to keep you up-to-date about insuring your car in Oregon. From required coverage levels and average insurance costs to some of the more unique laws surrounding your car, you’ll find the answers here.

Average Oregon Car Insurance Rates

Average car insurance rates in Oregon are slightly lower than the national average. Prices will vary depending on your limits, coverage, and the total number of claims filed in your zip code.

The average cost of auto insurance in Oregon is $818.92 per year. The national average annual cost is $866.31.

Oregon Average Annual Car Insurance Cost
Coverage Cost
Liability $585.33
Collision $218.06
Comprehensive $90.79
Total Cost Per Year $818.92
Price Per Month $68.24

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 top companies and find the cheapest rates.

Top 10 Vehicles in Oregon

These are the most common vehicles owned by Oregon drivers requesting car insurance quotes through QuoteWizard in the past 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
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Best Car Insurance Companies in Oregon

Last year, these were the most common car insurance companies reported by QuoteWizard users living in the state of Oregon. Out of the 36,483 Oregon drivers that used QuoteWizard to request insurance quotes last year, 5,020 had no car insurance.

  1. Progressive
  2. Geico
  3. Farmers
  4. Allstate
  5. Country Financial
  6. Liberty Mutual
  7. Esurance
  8. Nationwide
  9. AIG
Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

Oregon State Auto Insurance Laws

Car Insurance Minimum Coverage

If you are looking to drive a vehicle registered in Oregon, drivers must retain a minimum level of insurance coverage of 25/50/20. What does this mean? It means every driver needs to have at least the following coverage:

  • $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

All car insurance policies in Oregon must include personal injury protection, in addition to the coverage above. This pays for a driver's medical expenses up to 1 year from an accident, regardless of who was at fault. The minimum required amount of coverage is $15,000.

Required Proof of Car Insurance

Whenever you hit the road in Oregon, drivers must be ready to show their car insurance identification cards to law enforcement. Your car insurance company will provide you with this card when you purchase a policy.

The card must include all of the following:

  • Name of the insurance company
  • Policy number
  • Effective date of the policy
  • Expiration date of the policy
  • Description of the year, make, or model of the insured vehicles, or the name of the insured driver.

Failure to show proof of your insurance is grounds for a traffic infraction. Knowingly providing false evidence of insurance coverage is viewed as a misdemeanor in the state of Oregon.

Penalties

Operating a vehicle without the required coverage above will result in a fine of at least $427. Any involvement in an accident without the minimum coverage will result in a 1-year suspension of your Oregon license.

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SR-22 Requirements

Drivers in Oregon that have had their licenses revoked due to DUI convictions or other penalties (including driving without insurance) must be able to provide proof of future responsibility behind the wheel and file for an SR-22.   “SR” stands for safety responsibility and it certifies that a driver has the minimum amount of insurance required by law.

Oregon law mandates that an SR-22 is to be filed and carried on your record for a full 3 years. If a driver fails to have a SR-22 filed when they are required to, an immediate suspension of driving privileges will follow. It can be a long road to recover from an SR-22 on your record, so it’s best to stay up to date on regulations and sober behind the wheel.

State of Oregon Traffic Safety Laws

Distracted Driving Laws

With distracted driving and accidents on the rise over the last decade, the state of Oregon has banned the use of any handheld devices while operating a motor vehicle. All drivers are prohibited from talking or texting on their phone without the use of a hands-free device, such as a headset. With the exception of emergency situations, the ticket a police officer will be handing you for breaking this law is $142.

A special note to any Oregon drivers under the age of 18, even the use of a hands-free device is not allowed while driving. Focus on learning the rules of the road before taking those calls!

Implied Consent Law

Oregon’s Implied Consent law requires that any driver submit to testing to determine the alcohol or drug content of their blood, breath, or urine when arrested by law enforcement for suspicion of driving under the influence (DUI) of drugs or alcohol. Refuse the test and you’ll face the following penalties in addition to those for a DUI:

  • First Offense: suspension of driver’s license for 1 year and a fine of between $500 and $1,000
  • Second Offense: suspension of driver’s license for 3 years and a fine of between $500 and $1,000
  • Third Offense: suspension of driver’s license for 3 years and a fine of between $500 and $1,000

DUI Law and Penalties

If you drive or operate a motor vehicle in the state of Oregon with a Blood Alcohol Content (BAC) of 0.08% or higher, you are guilty of Driving While Under the Influence (DUI).

The penalties for a first offense DUI conviction are:

  • Between least 48 hours and 1 year in jail
  • A fine of between $1,000 and $2,000
  • One-year driver’s license suspension
  • Required installation of an ignition interlock device

The penalties for a second offense DUI conviction are:

  • Up to 1 year in jail
  • A fine of between $2,000 and $10,000
  • Three-year driver’s license suspension
  • Required installation of an ignition interlock device

The penalties for a third offense DUI conviction are:

  • Up to 5 years in jail
  • A fine of between $2,000 and $10,000
  • Permanent suspension of driver's license

Booster Seat Law

In order to better protect young children in the event of an accident, Oregon has established the following child restraint laws. Children are required to be restrained in an approved child safety seat until they weigh 40 pounds, or the maximum weight allowed by their forward-facing car seat. Children that weigh more than 40 pounds are required to be restrained in an approved booster seat until they are 4 feet 9 inches tall, or age 8. A rear-facing child safety seat is required for any child weighing less than 20 pounds or under the age of 1. Failure to comply with this law will result in a minimum fine of $110 per child.

Graduated Driver’s License Program

Young Oregonians are allowed behind the wheel at the age of 15, and after passing a written test, they are issued an instruction permit that they must operate with for a full 6 months before receiving additional license privileges. Drivers with an instruction permit are required to have at least 50 hours of supervised driving under their belt, plus an extra 10 hours of night driving if the student doesn’t go through a driver's education program.

Once new drivers have accrued the required hours, reach age 16, and pass a driver's test, they are eligible to receive a provisional license. They will now be able to drive on their own, with the exception of a curfew from 12 am - 5 am. For newly licensed drivers' first six months of driving, no passengers under the age of 20 are allowed in the car, with the exception of immediate family members. The following six-month period still restricts drivers with provisional licenses from having more than 3 passengers under the age of 20 in their vehicle at any time. It isn’t until those drivers are over the age of 17 and have had a provisional license for a year that they are able to freely drive without passenger restrictions. In another year, when they turn 18, they will be eligible for a full Oregon driver's license.

Senior Drivers in Oregon

All drivers in Oregon must renew their license every 8 years, except for drivers who are over the age of 50. They are required by law to complete an eye exam in order to successfully renew their license.

Seat Belt Laws

Oregon looks to keep drivers safe by requiring all passengers in a moving vehicle to be wearing seat belts at any given time. Children are required to be restrained in a child safety seat appropriate for their size and weight. Failure to comply will result in a $130 fine for the first offense.

Vehicles Registered in Another State

Whether you are visiting or just moved in, when you drive a vehicle in Oregon that is registered in another state you must have the type of insurance required by that state. If requested by law enforcement, you are required to provide the appropriate proof of insurance.

The Cost of Driving in Oregon

Average Oregon Car Insurance Rates

The most recent price data shows the average cost of car insurance coverage in Oregon comes in at $818.92. While this may seem high, Oregon is actually just a bit below the national average of $866.31, and is ranked as the 22nd most expensive state for car insurance.

Fuel Taxes

Oregon taxes gasoline at 31.10 cents per gallon, and diesel at 30.35 per gallon. That’s in addition to the Federal fuel tax of 18.4 cents per gallon on gasoline, as well as a 24.4 cents per gallon tax on diesel.

Total taxes on gasoline in Oregon come out to 49.50 cents per gallon. For diesel fuel, the total taxes are 54.75 cents per gallon.

Car Insurance Risk in Oregon

Traffic Fatalities

In 2014, 357 motor vehicle related deaths were recorded in Oregon, a 14% increase from the previous year.

Vehicle Thefts

In 2014 Oregon drivers filed 9,549 stolen vehicle reports, a 3.7% decrease from the 9,912 stolen cars and trucks in 2013.

How does this stack up on the national level? Nationwide, vehicle thefts in 2014 occurred at a rate of 216.2 per 100,000 people, and the average in Oregon came in slightly higher, at 240.5 per 100,000 people.

Top 10 Most Stolen Vehicles in Oregon for 2014

Wondering if your car makes you a target for theft in Oregon? Check out the list of the most stolen cars in the state below.

Source: National Insurance Crime Bureau - Hot Wheels Report 2014
Rank Year Model
1 1994 Honda Accord
2 1998 Honda Civic
3 1991 Toyota Camry
4 1996 Subaru Legacy
5 1999 Ford Pickup (Full Size)
6 1994 Acura Integra
7 1999 Chevrolet Pickup (Small Size)
8 1993 Jeep Cherokee/ Grand Cherokee
9 1995 Chevrolet pickup (Full Size)
10 1993 Nissan Sentra

Uninsured Drivers

In 2012, it was estimated that 9.0% of all drivers on Oregon roads were driving without car insurance. This number is well below the national average of 12.6% and ranks Oregon 36th in the nation for uninsured motorists.

Oregon Auto Insurance Market Share: Noncommercial

Source: Oregon Office of the Insurance Commissioner - 2014 Annual Report
Rank Market Share Company
1 10.6% Farmers
2 7.69% Safeco Insurance
3 5.90% Progressive Universal
4 4.31% Allstate
5 4.25% Geico Cas.
6 4.24% Progressive Classic
7 2.98% American Family
8 2.31% Country
9 2% Geico General

Oregon Office of the Insurance Commissioner

Oregon Insurance Division Home

Insurance Commissioner:
Laura Cali
Insurance Hotline:
888-877-4894
Hours:
Monday - Friday
8:00 am - 5:00 pm

File a Consumer Insurance Complaint

Online Complaint Forms

Sources:

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