Car Insurance in Oregon
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- Looking for cheap car insurance in Oregon?
- How much does car insurance cost in Oregon?
- Top auto insurance providers in Oregon
- What car insurance do you need in Oregon?
- How is your cost of car insurance determined in Oregon?
- How to save money on car insurance in Oregon
- Registering your car in Oregon
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Looking for cheap car insurance in Oregon?
Oregon is not technically a no-fault state, but drivers are still required to purchase a certain amount of no-fault coverage. Factors like low population density mediate relatively high minimum insurance requirements, making the cost of insurance in Oregon on par with the national average.
Where you live is just one of many variables that insurance companies consider when setting your premium. So whether you’re in Silverton, Bend, or Klamath Falls, the more you shop around, the more likely you are to find savings.
Using the insurance comparison and broker app Jerry is the best way to find a cheap car insurance policy fast. You only have to answer a few simple questions to get access to easy-to-compare quotes from top providers in your area. Even better, Jerry will handle everything to switch your plan and help you cancel your old policy!
But don’t take our word for it. See for yourself with these quotes from real Jerry customers in Oregon:
| Quote Date | Car | City | Name | Age | Carrier | Before Jerry | After Jerry |
|---|---|---|---|---|---|---|---|
| May 6, 2022 | Chevrolet Lumina | Mcminnville | Winnie M. | 33 | National General | $123/mo. | $63/mo. |
| May 13, 2022 | Chevrolet Silverado C1500 Crew Cab | Portland | Harvey S. | 34 | National General | $235/mo. | $125/mo. |
| May 15, 2022 | Nissan Versa S | Ontario | Olivia H. | 21 | Progressive | $250/mo. | $139/mo. |
| May 6, 2022 | Ford Ranger | Colton | Richard F. | 19 | Dairyland | $291/mo. | $160/mo. |
| April 25, 2022 | Mercedes-Benz C 300 4Matic | Portland | Clifford S. | 27 | Safeco | $190/mo. | $163/mo. |
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How much does car insurance cost in Oregon?
The average cost of basic liability car insurance in Oregon is $1,765 per year. Opting for full-coverage car insurance in Oregon will leave you with an average cost of $2,079 per year.
How does the annual cost in Oregon compare to the rest of the country?
In comparison, the national average is $1,626 per year to buy basic liability car insurance and $2,298 per year to buy full-coverage car insurance.
Why is car insurance expensive in Oregon? It depends on where you live, but there are a few things that contribute to the rates:
- High minimum insurance requirements
- Severe weather, including the seasonal risk of forest fires and flooding
- A moderate number of uninsured drivers (about 11%)
Here’s how the insurance savings with Jerry in Oregon compare to nationwide averages:
All Coverage Before Jerry | All Coverage After Jerry | Minimum Coverage Before Jerry | Minimum Coverage After Jerry | Full Coverage Before Jerry | Full Coverage After Jerry | |
|---|---|---|---|---|---|---|
| OR | $2,111 | $1,443 | $1,927 | $1,150 | $2,462 | $1,975 |
| National Average | $2,436 | $1,660 | $2,296 | $1,376 | $2,654 | $1,962 |
| OR | National Average | |
All Coverage Before Jerry | $2,111 | $2,436 |
All Coverage After Jerry | $1,443 | $1,660 |
Minimum Coverage Before Jerry | $1,927 | $2,296 |
Minimum Coverage After Jerry | $1,150 | $1,376 |
Full Coverage Before Jerry | $2,462 | $2,654 |
Full Coverage After Jerry | $1,975 | $1,962 |
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Top auto insurance providers in Oregon
Choosing one can be overwhelming, though. Since each one has its own formula for determining premiums, shopping around means that you’ll end up with different rates from everyone—even for the same coverage.
The factors that affect your rate generally include your age, driving record, location and (of course!) your car. If you drive an Infiniti SUV, for example, you’ll likely pay higher rates than you would for a Ford because more expensive cars cost more to insure.
Jerry customers have found some great deals with popular insurers in Oregon. Take a look:
| Insurance Company | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Dairyland | $3,197 | $994 | Compare Prices |
| National General | $2,584 | $851 | Compare Prices |
| Kemper | $2,512 | $785 | Compare Prices |
| Allstate | $2,810 | $782 | Compare Prices |
| Clearcover | $2,163 | $776 | Compare Prices |
| Safeco | $2,360 | $733 | Compare Prices |
| Travelers | $2,254 | $659 | Compare Prices |
| Nationwide | $2,367 | $656 | Compare Prices |
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What car insurance do you need in Oregon?
Most states have mandatory minimums that you must meet to legally drive. In Oregon, you need at least the following:
| Coverage | Amount | Description |
|---|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident | Covers the costs associated with injuries you cause to others |
| Property damage liability | $20,000 per accident | Covers the costs associated with damage you cause to other people’s vehicles or property |
| Uninsured motorist coverage | $25,000 per person / $50,000 per accident | Reimburses you for your expenses from an accident caused by an uninsured driver |
| Personal injury protection | $15,000 per person | Covers medical expenses, lost wages, and rehabilitation costs after an accident |
Getting behind the wheel without the required insurance isn’t a good idea. Beyond being against the law, it makes you vulnerable to serious penalties:
- Fines of up to $1,000
- Suspension of license and registration + reinstatement fee of $75
- Possible vehicle impoundment
- SR-22 requirement for 2 years
- Financial liability in the event of an accident
While securing minimum insurance will take care of your legal obligations, it won’t fully protect you if you get into an accident. Here are some helpful coverage options to consider:
| Coverage | Description |
|---|---|
| Collision insurance | Covers damages that are the result of a collision with a vehicle or stationary object |
| Comprehensive insurance | Covers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster |
| Rental reimbursement | Reimburses you for your rental car expenses while your car is being repaired after a claimable accident |
When you’re ready to purchase a policy, start by downloading Jerry.
Jerry is a comparison shopping app and licensed insurance broker that makes finding a great deal on your insurance effortless. Jerry compares quotes from reputable companies like State Farm and Safeco and handles all the paperwork and phone calls to help you finalize your top pick.
Now that you know what type of insurance you need, let’s break down what impacts the cost.
How is your cost of car insurance determined in Oregon?
There are numerous factors that go into devising your insurance rate. Some of the most important ones include your age, driving record, location, and type of vehicle.
Cost to insure your car in Oregon by age
Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
Statistics show that in Oregon, teens ages 15 to 20 without driver education are responsible for 91% of all teen driver crashes. Distracted driving, speeding, and lack of seatbelt use are all common issues among young drivers.
This added risk is why insurers charge higher premiums to drivers under the age of 25.
What young drivers in Oregon need to know
- Oregon’s graduated licensing laws help young drivers develop the skills they need to stay safe while on the road
- Completing an approved defensive driving course can help young drivers secure lower rates
- Maintaining a good average can qualify student drivers for a good student discount
It’s true that young drivers probably won’t receive the same low rates as their parents enjoy. But shopping around for competitive rates and maintaining a clean driving record can go a long way to helping lower premiums that are usually very high.
No matter your age, comparison shopping with Jerry is the best place to start. Here are the average rates for drivers by age:
| Age Group | Average Cost | Annual Savings with Jerry |
|---|---|---|
| 18-20 | $3,379 | $1,064 |
| 21-24 | $2,646 | $874 |
| 25-34 | $2,361 | $843 |
| 35-44 | $2,269 | $824 |
| 45-54 | $2,116 | $772 |
| 55-64 | $1,925 | $689 |
| 65+ | $2,360 | $1,013 |
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Cost to insure your car in Oregon with a poor driving record
While your age says a lot about experience, your driving record gives insurance companies insight into your risk level. If your record has accidents, speeding tickets, and serious offenses like DUIs, you can expect to pay higher-than-average Oregon car insurance rates for at least a few years.
Can you save money on car insurance if you have driving violations? You bet! And regardless of what’s on your driving record, Jerry can help you find the best prices available to you.
Here’s just a sample of the savings that Jerry customers with poor driving records have found:
| Driving Violation | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Clean Record | $2,364 | $744 |
| $3,000 | $1,491 | |
| DUI | $3,184 | $1,313 |
| Driving on Sus. License | $3,690 | $1,197 |
| Failure to Obey Traffic Sign | $3,640 | $1,146 |
| Improper Passing | $3,165 | $1,132 |
| Speeding under 15 | $2,987 | $976 |
| Careless Driving | $3,493 | $973 |
| Leaving scene of an Accident/Hit and Run | $2,020 | $968 |
| Seat Belt | $2,564 | $693 |
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Cost to insure your car in Oregon based on where you live
Oregon is home to about 4.2 million people, but it has a low population density that helps maintain relatively affordable insurance rates.
That said, your zipcode does matter to insurance companies. Drivers in cities like Portland, where the population density is over 4,700 people per square mile, typically pay more than those in rural areas. This is because urban centers have higher rates of accidents, thefts, and claims.
These are the top 10 cheapest cities for car insurance in Oregon:
| City | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Beaverton | $2,509 | $805 |
| Bend | $2,333 | $833 |
| Eugene | $2,085 | $732 |
| Gresham | $2,530 | $835 |
| Hillsboro | $2,459 | $895 |
| Medford | $2,429 | $1,053 |
| Oregon City | $2,444 | $999 |
| Portland | $2,449 | $808 |
| Salem | $2,532 | $894 |
| Springfield | $2,006 | $805 |
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Cost to insure your car in Oregon based on the type of car you drive
Finally, insurers will look at the type of car you drive when setting your premium. While it isn’t a hard-and-fast rule, relatively inexpensive cars have lower insurance premiums because they cost less to repair or replace if you’re in an accident.
Driving something like a Ford Focus or Nissan Murano will work in your favor and help you secure the most affordable rates.
If your car is a BMW 3-series or Audi Q5, though, you’ll pay more simply because it has a high MSRP.
Here’s what it costs to insure some popular makes and models with and without Jerry:
| Car | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Kia Forte LX | $2,892 | $1,932 |
| Nissan Altima 2.5 | $2,509 | $1,842 |
| Toyota Camry LE | $2,238 | $1,728 |
| Ford Focus SE | $2,389 | $1,320 |
| Honda Civic LX | $2,252 | $1,212 |
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How to save money on car insurance in Oregon
Whether you’re a city dweller or you live out in the mountains, saving on your insurance costs is always nice. Here are some easy ways to bring down your premium.
Shop around for quotes
Comparison shopping is the best method for finding a good insurance rate. And thanks to Jerry, it isn’t the time-consuming process you might imagine.
Jerry is the super app that helps you save time and money on your car expenses, including insurance. All you have to do is sign up and answer a few questions. Then, Jerry will compile competitive quotes and help you finalize the details of your new policy when you’re ready.
The average Jerry customer saves $879 per year on car insurance!
Look for discounts
Most insurance companies have a range of discounts that you can take advantage of if you qualify. While some are quite small, others can make a serious difference to your annual premium.
Here are some of the most popular ones for drivers in Oregon:
| Discount type | Who is eligible? |
|---|---|
| Driver training discount | Young drivers who have successfully completed a state-approved driver training course may be eligible for a discounted premium. |
| Mature driver discount | Drivers over the age of 55 who have completed an approved defensive driving course within the last three years receive lower car insurance rates. |
| Multi-policy discount | If you insure multiple products with the same insurance company, you’ll often receive up to 12% off each one. |
| Anti-theft discount | Anti-theft discount: equipping your vehicle with an approved anti-theft device makes it less risky to insure and can lower your rates. |
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Increase your deductible
Increasing your deductible is an easy way to bring your insurance premium down—sometimes fairly substantially. But it isn’t always a smart idea.
You should only consider doing this if you can afford to pay the deductible in full each time you have to make a claim. Otherwise, you could find yourself in a tough financial situation in the event of an accident.
Registering your car in Oregon
To register a car in Oregon, bring the following to the DMV:
- Valid driver’s license or ID card
- Proof of insurance
- Proof of sales tax payment
- Car title or signed lease agreement
- Emissions testing certificate, if applicable
- Safety inspection certificate, if applicable
In Oregon, you must renew your vehicle registration annually. You can do it online, by mail, or in person at DEQ.
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