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
$2119
$2840
$3056
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
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.
(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
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
. When requesting quotes for a non-owner insurance policy, be sure to inquire about the scope of coverage.
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
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:
4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars
4.7/5 app rating | Trusted by 5M+ drivers
FAQs
Is non-owner car insurance required in Oregon?
+
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.
Can I insure a car that’s not in my name in Oregon?
+
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.
What is non-owned auto insurance?
+
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.
Can you get insurance on a car that doesn’t belong to you?
+
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.