Car Insurance in Oregon
- How Much is Car Insurance in Oregon?
- Real Quotes for Jerry.ai Customers in Oregon
- The Cheapest Car Insurance in Oregon
- Most Popular Insurance Companies in Oregon
- Cost to Insure Different Cars in Oregon
- Car Insurance Laws in Oregon
- Car Registration Information in Oregon
Looking for car insurance in Oregon? Here you’ll find all the information you need on driving a car in The Beaver State, regardless of what kind of car you own, what your budget is, or what kind of driver you are. Whether you live in Portland or Salem, Eugene or Gresham — you can read on for the cheapest car insurance, the best car insurance, and the laws you need to know for Oregon car insurance.
How Much is Car Insurance in Oregon?
Why do car insurance quotes differ by state? First of all, each state has different laws around what kind of coverage you need to legally drive. Insurance companies also look at the number of car accidents and thefts in an area, how much people are generally using their car, and how likely an area is to have a natural disaster, among other factors. But while you can’t always control where you live, you can get cheap car insurance by choosing an insurance policy that has the best rates for your needs. If you live in Oregon, here’s what you should know about how much you’ll pay for insurance: On average, drivers in Oregon pay $1,918.33 each year for car insurance. This means drivers in Oregon pay 35% below the average for the rest of the country. But however much you pay, you can use our advice on this page to save money.
What’s Your Rate?
But how do you know what policy is right for you in Oregon? The truth is that insurance companies take many different factors into account when coming up with your quote. They create a profile based not only on where you live in Oregon, but also on your credit score, marital status, the kind of car you own, and much more.
Not only does your profile change what kind of price you’ll get on car insurance, but it also might change the kind of coverage you want! Not all tiers are the same, and it’s important to know what you’re looking for. You could save money on your monthly or yearly insurance premiums by having a higher deductible. But if you do get into an accident or need to file a claim, that choice will cause you to pay more out of pocket.
The best way to make sure you’re always getting the best coverage for the right price is to let us do all the legwork for you. We can compare quotes from over 40 different insurance companies and find you the best rates in 45 seconds — no matter what kind of coverage you’re looking for.
Real Quotes for Jerry.ai Customers in Oregon
| Created | Cars | Customer | Carrier | Monthly premium | Amount saved | Type of coverage |
|---|---|---|---|---|---|---|
| 2020-11-19 |
| 23 year old female | Progressive | $80.33 | $123.67 | Standard |
| 2020-12-25 |
| 35 year old male | National General | $57.50 | $32.50 | Basic |
| 2021-01-25 |
| 25 year old male | National General | $56.83 | $77.17 | Basic |
| 2020-12-11 |
| 31 year old female | National General | $75.42 | $120.58 | Standard |
| 2020-11-22 |
| 59 year old female | National General | $78.33 | $174.67 | Standard |
The Cheapest Car Insurance in Oregon
Which companies offer cheap car insurance in Oregon? Below, we’ve ranked Oregon car insurance companies based on which ones have, on average, the cheapest car insurance quotes for basic, standard, and preferred coverage levels for different profiles. These are averages to give you a sense of what drivers in your state are paying. But remember — it’s impossible to know what your quotes will be until you start comparing for yourself. That’s why we’re also showing you some real quotes we were able to find for our members recently. If you shop for insurance wisely, you can get a great deal without sacrificing your own safety and protection.
Cheapest Car Insurance in Oregon for Basic Coverage
There’s all kinds of auto insurance you can get in Oregon, depending on what your priorities are. But if your priority is the least expensive premium payments, you’ll want to check out a basic plan. In most states you legally need car insurance to drive. Basic plans ensure that you have the minimum coverage required by Oregon. These are also plans with liability-only coverage. We were able to look at the average price drivers are paying for basic insurance coverage in Oregon, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner — all huge factors real insurance companies use in determining rates.
Average Cheapest Car Insurance for Basic Coverage in Oregon
| Rank | Company name | Avg. Annual Premium |
|---|---|---|
| 1 | National General | $1,016.17 |
| 2 | Kemper | $1,020.13 |
| 3 | Progressive | $1,041.38 |
| 4 | Bristol West | $1,153.27 |
Real Jerry Quotes for Basic Coverage in Oregon
| Created | Cars | Customer | Carrier | Monthly premium | Amount saved |
|---|---|---|---|---|---|
| 2021-02-02 |
| 43 year old male | National General | $59.83 | $190.17 |
| 2020-12-22 |
| 22 year old female | National General | $76.08 | $132.92 |
| 2021-02-06 |
| 20 year old female | National General | $130.25 | $95.75 |
| 2020-12-24 |
| 25 year old male | National General | $105.75 | $394.25 |
| 2021-01-10 |
| 23 year old male | National General | $74.92 | $193.08 |
Average Cheapest Car Insurance for Standard Plans in Oregon
Most drivers will want more than the basic minimum coverage that Oregon requires — but still don’t want to break the bank. Standard plans offer both collision insurance and comprehensive insurance which gives you more protection than a basic plan. These plans generally offer a $1,000 deductible.
Below you’ll find the average price drivers are paying for standard insurance coverage in Oregon, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner. All of these factors can impact premiums, so be sure to take a look at averages and quotes from drivers similar to you!
Average Cheapest Car Insurance for Standard Coverage in Oregon
| Rank | Company name | Avg. Annual Premium |
|---|---|---|
| 1 | Kemper | $1,229.29 |
| 2 | National General | $1,281.16 |
| 3 | Nationwide | $1,361.11 |
| 4 | Progressive | $1,430.83 |
| 5 | Travelers | $1,656.92 |
Real Jerry Quotes for Standard Coverage in Oregon
| Created | Cars | Customer | Carrier | Monthly premium | Amount saved |
|---|---|---|---|---|---|
| 2020-11-24 |
| 23 year old male | Progressive | $106.17 | $191.83 |
| 2021-01-27 |
| 38 year old male | National General | $64.75 | $119.92 |
| 2021-01-08 |
| 23 year old male | Progressive | $119.67 | $52.33 |
| 2021-01-09 |
| 32 year old male | Travelers | $94.50 | $77.50 |
| 2021-01-25 |
| 69 year old female | National General | $61.25 | $238.75 |
Cheapest Car Insurance in Oregon for Preferred Coverage
Preferred coverage protects Oregon drivers the most against any accidents or theft. Like basic plans, you’ll have collision insurance and comprehensive insurance. This is higher end full coverage, generally with $500 deductibles. That means you’ll be paying less out of pocket in the event of a claim. The downside? Your premiums are likely to be higher than what drivers with standard plans are paying. But if you comparison shop, you can still find the preferred insurance policy that’s less expensive.
We were able to look at the average price drivers are paying for preferred insurance coverage in Oregon, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your age, your driving record, whether you’re over or under 25 year old, the number of cars your drive, you gender, and if you own a home — all huge factors real insurance companies use in determining rates.
Average Cheapest Car Insurance for Preferred Coverage in Oregon
| Rank | Company name | Avg. Annual Premium |
|---|---|---|
| 1 | National General | $1,424.56 |
| 2 | Progressive | $1,558.75 |
| 3 | Nationwide | $1,617.02 |
| 4 | Travelers | $1,819.75 |
Real Jerry Quotes for Preferred Coverage in Oregon
| Created | Cars | Customer | Carrier | Monthly premium | Amount saved |
|---|---|---|---|---|---|
| 2021-01-02 |
| 61 year old male | Progressive | $69 | $12 |
| 2020-12-10 |
| 32 year old male | Nationwide | $99.06 | $20.95 |
| 2020-11-23 |
| 26 year old male | Progressive | $119.83 | $229.17 |
| 2021-01-28 |
| 24 year old female | Nationwide | $134.21 | $40.62 |
| 2021-01-03 |
| 21 year old male | Travelers | $234.08 | $185.92 |
Most Popular Insurance Companies in Oregon
| Insurance company | Average annual premium in Oregon |
|---|---|
| Kemper | $1,862.43 |
| Progressive | $1,384.46 |
| National General | $1,733.17 |
| Bristol West | $1,694 |
| Travelers | $1,945.80 |
| Safeco | $2,779.90 |
| Nationwide | $1,691.72 |
Cost to Insure Different Cars in Oregon
Auto insurance companies look into several different factors when coming up with their rates. A big one is what state you’re in — which is why it’s so important for Oregon drivers to compare their rates to people in the same state. The car you drive can be a big factor as well. No matter what town, city, or country you live in, certain cars are just going to cost you more in coverage than others. Check out our chart to find out how much different cars cost to insure in Oregon. And you can use our table of real quotes from Jerry.ai customers to see what people just like you are paying.
| Created | Cars | Customer | Carrier | Monthly premium | Amount saved | Type of coverage |
|---|---|---|---|---|---|---|
| 2021-01-24 |
| 32 year old male | National General | $98.17 | $36.83 | Standard |
| 2020-12-10 |
| 30 year old male | Progressive | $85.83 | $71.25 | Standard |
| 2020-11-30 |
| 20 year old female | National General | $86.67 | $61.33 | Basic |
| 2020-11-23 |
| 45 year old male | Nationwide | $115.28 | $29.72 | Preferred |
| 2021-01-27 |
| 22 year old male | Safeco | $153.43 | $26.58 | Standard |
| 2021-02-18 |
| 27 year old female | Kemper | $79.17 | $84.41 | Standard |
| 2021-02-15 |
| 50 year old female | Kemper | $86.08 | $12.92 | Standard |
Car Insurance Laws in Oregon
Oregon has some of the most stringent insurance requirements in the country. Along with registering your vehicle in Oregon before you drive, you will need to secure at least the minimum amount of car insurance set by the state.
Oregon sets minimum car insurance standards for all residents who wish to drive in the state. If you live in Oregon, here’s what you should know about Oregon’s auto insurance requirements.
What Car Insurance Is Required by Law in Oregon?
In Oregon, you have to insure a passenger motor vehicle before you can register it in the state. In fact, Oregon has some of the most stringent insurance requirements in the country.
You need to have proof of insurance or financial responsibility that includes: Bodily Injury Liability (BIL), Property Damage Liability (PDL), uninsured motorist coverage, and Personal Injury Protection (PIP).
Somewhat unusually, PIP coverage is required despite Oregon being an at-fault state. PIP insurance allows for medical expenses to be covered for your own injuries even if you’re at fault in the car accident. POP can take care of bills such as your ambulance transportation, prescriptions, follow-up appointments, and even lost wages due to the accident.
BIL coverage takes care of costs from injuries other people involved in the accident may experience if you’re at fault. Similar to BIL coverage, PDL coverage pays for property damage caused by the accident, including physical damage to city or state equipment, buildings, utility poles, as well as other vehicles in the accident if you’re to blame.
Although minimum coverages are enforced to legally drive, the minimums are often not enough to cover all the associated expenses. The other driver has the option to pursue legal action against the at-fault driver to recover costs beyond the limitations of an insurance policy.
Can You Drive a Car without Insurance in Oregon?
It is a Class B misdemeanor to drive without insurance or proof of financial responsibility in Oregon. As such, it is prohibited. The minimum fine for driving uninsured is $130, but subsequent offences could be up to $1,000. An automatic driver’s license suspension and revocation of your registration will occur, and your car could be impounded too.
To reinstate your driving privileges, you will need to file an SR-22 certificate for at least three years. An SR-22 is not insurance itself, but rather provides proof that you carry the minimum liability coverage required by the state for financial responsibility. It must be carried with you when you drive. While it only costs around $15 to file for an SR-22, the reality is that your insurance rates will increase due to the offense itself.
What Are the Minimum Car Insurance Requirements in Oregon?
Oregon requires that all drivers who are residents in the state keep continuous auto insurance coverage that meets the minimum amounts. The purpose is two-fold: to protect drivers and others around them if they have a car accident, and to compensate for property damage if an accident does occur. Legal minimum coverage requirements to drive in Oregon are as follows.
Minimum Insurance Requirements in Oregon
- Bodily injury liability per person: $25,000
- Bodily injury liability per accident: $50,000
- Property damage liability: $20,000 per accident
- Uninsured motorist coverage: $25,000 per person, $50,000 per accident for bodily injury
- Personal injury protection insurance: $15,000 per person
Car Registration Information in Oregon
Insuring your vehicle with at least the minimum coverage amount in Oregon is a prerequisite to register your car in the state. Registration is mandatory within 30 days if you are establishing residency in Oregon, according to state law. You can only register a car if the title is in your name.
The registration process in Oregon requires that you provide the title, proof of purchase if you’ve just bought the car and are registering for the first time, proof of compliance for emissions standards, and the initial registration fee. You must mail the information to the DMV in order to title and register your vehicle, which can take up to 10 weeks to process and receive your tags.
When you register a passenger vehicle, you’ll be issued two license plates that have to be attached to your vehicle at all times: one front plate and one rear plate. A registration certificate will also be issued that must be kept with your vehicle when you’re driving. It has the driver’s name, vehicle identification number (VIN), and the license plate number on it.
You’ll be mailed a reminder to renew your registration annually. You can complete your renewal easily in moments online at Oregon’s DMV2U website. You’ll pay your fees online and will receive your new documents in the mail. Alternatively, you can mail your renewal to DMV Services in Salem, or you can renew your registration at the DEQ station where you get your emissions testing performed. Costs to register a vehicle in Oregon are calculated based on your year, make and model.