All about Non-Owner Car Insurance in Oregon

An Oregon non-owner car insurance policy provides liability protection and helps prevent a lapse in insurance coverage if you don’t own a vehicle.
Written by Maxine Boyko
Edited by Amy Bobinger
If you regularly borrow or rent a car but don’t own one,
non-owner car insurance provides affordable access to medical and liability coverage if you get into an accident.
  • Non-owner minimum liability car insurance costs an average of $2840 a year in Oregon.
  • To purchase non-owner insurance, request a quote from an individual insurance company or compare rates using an online comparison tool.
  • If you are required to have SR-22 insurance but don’t own a vehicle, Oregon non-owner SR-22 insurance can be an affordable option.

The average cost of non-owner car insurance in Oregon is $2,840

Average cost of minimum liablity insurance in Oregon
Average cost of non-owner insurance in Oregon
Average cost of non-owner SR-22 insurance in Oregon
Methodology: Based on Jerry’s carrier review survey, we calculated the average cost of minimum insurance quotes for both a single car and a driver with a
good driving record
in Oregon, in addition to the average cost of
standard SR-22
non-owner SR-22
policies quoted in Oregon.

Non-owner insurance rates are cheaper than standard insurance on average

So, what are some benefits to a non-owner insurance policy?
  • Non-owner car insurance
    only includes
    liability coverage
    , so it’s cheaper than purchasing a
    full coverage auto insurance policy
    that pays for damage to the policyholder’s vehicle.
  • Non-owner premiums are also often lower than standard liability-only policies, likely because car insurance companies take on less risk for a driver with limited vehicle access than a driver who commutes every day. 
As is the case with any insurance policy, your auto insurance premium will vary based on your age, your location, chosen coverage level, and your Oregon driving history. 

8 out of 10 major auto insurance companies in Oregon offer non-owners insurance

When it comes to choosing a car insurance company for non-owner car insurance,
comparing car insurance quotes
from major car insurance providers is a great place to start.
Among the top 10 auto insurers in Oregon, eight offer non-owner insurance:
  1. Allstate
  2. USAA
    (limited to veterans, active military personnel, and their families)
Need to know: Non-owners car insurance is usually not available for purchase directly through an insurer's website—instead, contact the company or a broker directly to speak with an insurance agent.
Do you need non-owner car insurance?
You might need it if you:
You may not need it if you:
Sometimes borrow cars from people you don't live with
Rent cars frequently
Often use car-sharing services
Want to avoid a lapse in car insurance coverage
Need an SR-22 certificate but don't have a vehicle
Are getting your license in a state with an insurance requirement
Live with someone who owns a car
Rent cars infrequently
Have your own car
Don't plan to own a car any time soon
Learn More

Oregon non-owner insurance is a supplemental liability policy

Non-owner insurance only provides liability coverage, which means it pays only for damages and medical expenses for the other party if you are at fault in a
car accident
Need to know: Non-owner car insurance will not pay for damage to the car you’re driving or medical costs for yourself or your passengers. As secondary coverage, non-owner insurance is non-transferable and provides coverage exclusively for the named policyholder. 

Secondary coverage pays out after the primary coverage limits are reached

When driving a
rental car
or borrowed vehicle in Oregon, it should already be protected by a standard car insurance policy under either
rental car insurance
or the car owner’s personal insurance.
In the event of an accident, logically, the primary policy will pay out before your secondary policy. 
Yet, once bills start piling up after the accident, they can surpass the coverage limits of the primary policy. In such a case, you would find yourself responsible for the remaining balance. Vehicle repair and medical bills are not cheap!
After the primary policy pays out, non-owner insurance policies typically pay up to the state minimum coverage requirements for any outstanding medical expenses or vehicle damages.
Oregon car insurance laws mandate the following minimum liability car insurance limits for policyholders:
  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $20,000 in property damage liability
Oregon drivers are also required to maintain
uninsured motorist/underinsured motorist coverage
(UM/UIM) of at least $25,000 in bodily injury liability per person and $50,000 per accident. Additionally, the state mandates a minimum
personal injury protection (PIP) coverage
amount of $15,000 per person.
Note: True to most liability-only policies, non-owner auto insurance generally does not require a deductible payment. 

Non-owner SR-22 insurance in Oregon

In Oregon, the average cost of non-owner SR-22 insurance is $3056
If you need to
reinstate your driver’s license
but don’t own a vehicle, you can obtain non-owner Oregon SR-22 insurance. Here’s what to do: 
  • Find an insurance provider that offers non-owner SR-22 policies in Oregon.
  • Discuss coverage and costs and provide your information.
  • Purchase the policy.
  • The insurance company will file the SR-22 certificate with the Oregon DMV on your behalf.
Oregon requires
high-risk drivers
to file an SR-22 as
proof of insurance
for the following reasons: 
To comply with SR-22 requirement, you must provide current proof of the state’s auto insurance minimums. If your policy lapses, the state can
suspend your license
and fine you for failing to demonstrate financial responsibility.
If you don’t own a vehicle, a non-owner SR-22 policy can be an affordable way to maintain compliance with state insurance regulations.
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Non-owner car insurance is not technically required in Oregon—but if you regularly drive a vehicle that’s not yours, such as a rental or a friend’s car, it’s a good idea to consider non-owner car insurance to shoulder some of the financial responsibility. 
Typically, you need to own a car to insure it. If you frequently drive a car that’s not yours, the vehicle owner may be able to add you as a named driver on the insurance policy.
Non-owned auto insurance is a business insurance policy for employees using personal vehicles for work tasks. It supplements the employee's personal auto insurance, providing additional coverage for property damage and injuries caused to others.
Insurers typically prefer the car owner to carry the insurance policy due to clear liability reasons. If you frequently drive the vehicle, consider discussing co-ownership with the current owner. Alternatively, non-owner car insurance could be a suitable option.
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