Best Car Insurance in Oregon City 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Oregon City.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
August 20, 2021Jeep Liberty Sport9704538National General$145/mo.$96/mo.
July 25, 2021Kia Rio LX9704552Kemper$239/mo.$107/mo.
March 30, 2021Audi A4 Premium Plus9704522Kemper$250/mo.$109/mo.
July 19, 2021Toyota 4Runner SR59704540Kemper$200/mo.$121/mo.
July 26, 2021Honda Accord SE9704532National General$234/mo.$128/mo.
Here’s more information about what impacts the insurance rates in your Oregon City.

How much does car insurance cost in Oregon City?

Car insurance in Oregon City, Oregon costs single-car drivers an average of $2,032 annually, or about $169 per month. Compared to the state annual average of $2,872, auto insurance in Oregon City is $840 lower higher.
Oregon City earned its moniker thanks to its significant role in the foundational history of the state as we know it today. The first capital of the Oregon Territory, Oregon City gained traction as a major producer of lumber and is now largely dependent on tourism. It’s helped along in this regard by the Willamette Falls and nearby Portland.
As a suburb of the state’s capital, however, Oregon City has inherited Portland’s proclivity for more expensive car insurance rates.
While not as high as Portland’s car insurance rates, Oregon City isn’t exactly a bastion of savings. So if you live in this heartland of Oregon history, you’ll need a helping hand to save money on your car insurance. And that’s where Jerry comes in.
Jerry provides you quotes from more than 50 top carriers in minutes, so you can find the best insurance in less time than ever. Once you’ve found the perfect policy, Jerry takes care of the rest—including finalizing your paperwork, and if needed, canceling your old policy
Here’s everything you need to know about car insurance in Oregon City.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Oregon City$2,085$1,399----
National Average$3,223$2,143$3,086$1,764$3,423$2,486
Oregon CityNational Average
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
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Choosing a carrier in Oregon City

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
Oregon City’s insurance rates are fairly high, considerably more than Oregon’s state average. That’s not great news for the city’s drivers, but that doesn’t mean affordable car insurance is impossible to find. Comparison shopping is one of the best ways to find great coverage at a price you can afford.
Whether you’re partial to big names like State Farm and GEICO or if you prefer to keep it local with Oregon Mutual, Mutual of Enumclaw, or QBE, comparison shopping with Jerry is key to finding not only great rates, but great customer service and policies tailored to you.
There are a number of factors that can affect which company offers you better rates, including things like your occupation, age, and driving record. Some companies tend to be more lenient to drivers with less than perfect records, while others are not. Comparison shopping helps navigate this sea of options to help you find the company that’s just right for you.
Here’s what drivers pay with some of the most popular insurance providers in Oregon City before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Kemper$2,868$1,512Compare Prices
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What kind of car insurance you need in Oregon City

In Oregon City, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
Like many other states, Oregon has a minimum liability insurance requirement that all residents of the state must abide by. You can remember this minimum liability limit by the summary 25/50/20, as shorthand for the following:
In addition to liability insurance, Oregonians are also required to carry these additional types of coverage, with minimum limits per accident and per person:
Besides potential financial liability, if you’re at fault in an accident, there are other serious repercussions to driving without the required insurance coverage. You could be subjected to major fees, license suspension, impoundment of your vehicle, and more. So don’t hit the road without proof of insurance on hand.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
Keep in mind, it’s a good idea to carry more than liability insurance to protect you and your vehicle. If you live in Oregon City, here are some coverage options that may serve you well on the road:
FactorRecommended coverageDescription
Heavy trafficCollision insuranceMore cars on the road means a greater likelihood of collisions and damage to your vehicle. Collision insurance covers the cost of any needed repairs.
High population densityAccident forgivenessMore drivers can lead to more accidents. Accident forgiveness will prevent your insurance rates from going up after your first at-fault crash.
Severe weatherComprehensive insuranceAs a northern coastal state, Oregon sees its fair share of major storms and snowy weather. Comprehensive insurance protects against damage incurred from natural causes, like inclement weather
Mountain roadsRoadside assistanceLike much of the Pacific Northwest, Oregon is primarily comprised of mountains, forests, and hills. Towns can be few and far between, which isn’t helpful if you break down on a mountain road. Roadside assistance will help you with jumpstarts, fluid delivery, and more.

What determines your car insurance cost in Oregon City

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Oregon City, you could be paying as much as $81 more per month than an adult driver. These are average rates for Jerry customers in Oregon City broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Oregon City with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,009$636
Speeding under 15$3,000$1,580
Wrong Way/Wrong Lane$2,400$592
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Where in Oregon City you live

It may seem like insurance rates in Oregon City should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Oregon City, residents of -- will have the most expensive car insurance rates, while people who live in 97045 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Oregon City:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
August 20, 202197045Jeep Liberty SportOR38National General$145/mo.$96/mo.
July 25, 202197045Kia Rio LXOR52Kemper$239/mo.$107/mo.
March 30, 202197045Audi A4 Premium PlusOR22Kemper$250/mo.$109/mo.
July 19, 202197045Toyota 4Runner SR5OR40Kemper$200/mo.$121/mo.
July 26, 202197045Honda Accord SEOR32National General$234/mo.$128/mo.
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Why is car insurance in Oregon City so expensive?

A variety of considerations determine baseline car insurance rates in Oregon City. Insurance companies often consider the following:
Like drivers themselves, there are certain features about cities that can affect average insurance rates. These are a few reasons why Oregon City’s rates are higher than the state average.


Oregon City has quite a long commute time for a city of its size, thanks to its frequently congested roads. Heavy traffic coupled with long periods of time on the road means that there is a much higher likelihood of accidents.
This increased risk means increased rates, as more accidents lead to more claims filed and paid out.


As Oregon City is situated on the banks of the Willamette River, it’s regularly subjected to flooding during periods of heavy rain. The flood risk in Oregon City is increasing thanks to climate change, and that brings more chances for flood-related damage to cars. That in turn raises comprehensive insurance rates.

How can you save money on car insurance in Oregon City?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

Almost all insurance companies offer discounts on their rates. Regardless of your background, there’s bound to be a discount that fits your lifestyle or rewards you for responsible driving.
Here are some common discounts available with insurance carriers in Oregon City:
Multi-policyEven if you aren’t a homeowner, you can often bundle insurance products like renter’s insurance, pet insurance, or boat insurance if they are offered by your provider.
Safety equipmentIf you’ve added additional safety and anti-theft devices to your car, like better airbags or car alarms, insurance companies may lower your rates.
Safe driverStaying accident free for at least three years can earn you a discount on your auto insurance.
Good studentIf you attend college or university in Oregon City, are under 25, and maintain a B average at least, you may be eligible to save on your coverage.
Driver educationOlder drivers who take an approved defensive driving course to refresh their skills can qualify for a discount.
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