Oregon Auto Insurance (2024)

If your Oregon auto insurance is expensive, there are ways you can save. Picking the right company and coverages can go a long way to helping you find affordable Oregon auto insurance quotes. 

Read on to learn more about insurance laws in the Beaver State, then explore which companies might offer cheap car insurance in Oregon. From the state minimum requirements to the cheapest full coverage auto insurance, you can find a perfect Oregon car insurance policy at the right price by comparing quotes.

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Cost of Auto Insurance in Oregon

While car insurance quotes in Oregon are 15% lower than the national average, the actual amount you’ll pay for coverage depends on a variety of factors. Insurance companies use your age, gender, marital status, credit score, driving history, and what car you drive to determine how much you’ll pay.

For example, you will pay more for insurance if you have bad credit, even if you shop at the best auto insurance companies for bad credit.

Car insurance companies take your unique set of circumstances into account when they craft your quotes. However, you can get an idea of where to start your search for cheap car insurance in Oregon by comparing companies. 

Minimum Car Insurance Rates in Oregon

Most states have laws regarding how much insurance drivers must carry, and Oregon is one of them.

Here are Oregon’s car insurance requirements:

• Bodily injury — $25,000 per person
• Bodily injury — $50,000 per accident
• Property damage — $20,000 per accident
• Bodily injury for uninsured/underinsured motorist — $25,000 per person
• Bodily injury for uninsured/underinsured motorist — $50,000 per accident
• Personal injury protection — $15,000 per person

Oregon has stricter insurance requirements than many other states, but this is your cheapest option for insurance. You can get an idea of how much different companies might charge you for minimum auto insurance in Oregon below.

Liability Auto Insurance Average Rates From Top Providers

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State Farm, USAA, and Travelers are the cheapest options for minimum coverage in Oregon, though there is almost a $100 difference between State Farm auto insurance and Travelers. Read more about State Farm in our State Farm auto insurance review. 

Purchasing the minimum coverage is a great way to keep your insurance costs down, but it also comes with the risk of having to pay for costly repairs by yourself. Although Oregon’s insurance laws are thorough, an additional risk is that you might do more damage than your policy can cover.

The risk of having to pay for car repairs or other damage after an accident is why many drivers elect full coverage instead of the minimum insurance.

Full Coverage Rates in Oregon

When you buy minimum coverage in Oregon, you’re purchasing liability, uninsured/underinsured motorist, and personal injury protection. Everything else an insurance company tries to sell you is optional.

Even the cheapest full coverage auto insurance is a suite of insurances that includes liability, comprehensive, collision, uninsured motorist, and personal injury protection. While Oregon does not require full coverage, you might need it if you have a loan or lease on your car.

Full coverage protects your car better than minimum insurance but also costs more. However, Oregonians typically see cheap Oregon auto insurance rates for full coverage. Compare Oregon’s average full coverage rates with other states in the table below. 

Oregon drivers will probably see the cheapest quotes from State Farm, USAA, and Travelers. While USAA consistently offers low rates, only some Oregon drivers are eligible for coverage. USAA only sells insurance to active or retired military members and their families.

If you’re interested in more coverage, most companies offer a list of add-ons you can purchase.

Some of the most popular add-ons with Oregon drivers include the following:

• Rental car reimbursement
• Roadside assistance
• GAP insurance
• Mechanical breakdown insurance

While it’s tempting to add as much coverage as possible to your policy, you should only buy what you need. Each option you add to your policy raises your rates and can make insurance unaffordable. If you’re unsure what the best options are for your car, an insurance representative can help you decide.

Oregon Car Insurance Rates by Age

Many insurance companies calculate average car insurance rates by age, as it’s a very important factor. Insurance companies keep careful track of claims data, and those numbers show that young drivers are statistically more likely to drive recklessly and get in accidents.

Young drivers pay some of the highest rates for car insurance, with Oregon youths paying about double what older adults pay. 

Let’s take a look at the average annual rates for teenagers to get a better idea of what you can expect from the top insurance companies. 

Full Coverage Auto Insurance Monthly Rates for Teen Drivers

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While rates for teen drivers in Oregon match more closely with the national average, prices are still high. Young drivers from military families can find especially low rates with USAA, which offers prices that are over $500 lower than the next cheapest company. 

Although Geico’s rates are a little higher than Travelers and State Farm, it has one of the longest lists of student and youth-based discounts young drivers might be eligible for.

Below we go into more detail on the average annual rates for the average adult. 

Average Annual Full Coverage Auto Insurance Rates for Adults

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For nonmilitary families, Travelers, State Farm, and Geico are excellent options. Seniors’ car insurance rates tend to increase as they get older. Take a look below for the average rates for seniors at the top insurance companies. 

Senior Drivers: Full Coverage Auto Insurance Rates

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Rates in Oregon will differ slightly depending on several factors. So make sure you compare at least three different insurance quotes before deciding on what company to use. 

Oregon Car Insurance Rates by Credit Score

You probably know that your credit score affects your ability to buy a house or refinance a loan, but did you know it also affects your insurance rates?

Insurance companies look at your credit score to help determine how risky you’ll be to insure. Data shows that drivers with low credit scores file more claims, which translates to higher rates — people with poor credit scores pay up to 60% more for their insurance.

Full Coverage Auto Insurance Monthly Rates by Credit Score

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Oregon drivers with low credit scores should consider quotes from Geico, Nationwide, and Travelers. Although State Farm typically offers affordable insurance in Oregon, it’s not as forgiving of low credit scores.

The good news about low credit scores is that they don’t need to stay low forever. If you raise your credit score, your insurance rates will decrease.

Oregon Car Insurance Rates After an Accident

No one wants to get into an accident, but you can’t always avoid them. Unfortunately, an at-fault accident on your driving record can increase your insurance rates by up to 50%.

The overall number of car accidents in your state also affects your car insurance rates — the more accidents your neighbors get in, the more you’ll pay for coverage. According to the Insurance Institute for Highway Safety (IIHS), Oregon drivers get into an average number of accidents, with the number of fatal collisions just slightly above the national average. 

To get a better idea of how much your rates will increase, take a look at the table below.

Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record

Once again, State Farm, USAA, and Travelers offer the cheapest car insurance in Oregon after an accident. 

However, there’s a difference of $241 between State Farm and Travelers. If you have an accident on your record, State Farm is an excellent place to start looking for insurance.

Your rates won’t stay high forever, though. After about three years, your rates will start to look like they did before your accident. However, that only works if you remain accident-free during those three years. If you continuously get into accidents, you might have to find the best auto insurance companies for high-risk drivers.

Oregon Car Insurance Rates After a DUI

Technically called driving under the influence of intoxicants (DUII), Oregon law classifies the following as a DUI:

• Having a blood alcohol concentration (BAC) of 0.08% or higher
• Being under the influence of liquor, controlled substances, or inhalants
• Being under the influence of any combination of liquor, inhalants, and controlled substances

You can also be charged with attempted DUI if an officer believes you are about to get behind the wheel of a car while intoxicated.

Oregon punishes offenders based on how many DUI incidents the driver has committed.

The consequences of a DUI charge include up to a year in jail and the following:

• First conviction — a fee of at least $1,000
• Second conviction — a fee of at least $1,500
• Third and subsequent convictions — a fee of at least $2,000

The circumstances of the DUI also affect how much the state charges you. For example, if you have a BAC over 0.15%, your minimum fine will be $2,000 for your first conviction. If you have a minor in the car more than three years younger than you, your minimum penalty will be $10,000.

It’s imperative that you compare the best auto insurance for drivers with a DUI, as your current rates will spike. Take a look below to see how insurance companies throughout the country handle DUI rates.

Full Coverage Auto Insurance Monthly Rates by Driving Record

State Farm is still your best bet for cheap insurance in Oregon, with rates more than $200 less than the second most affordable option. However, you’ll still be paying more for coverage, and DUIs stay on your insurance record longer than at-fault accidents. The average length of time insurance companies look for DUIs is seven years.

Cheapest Cities for Auto Insurance in Oregon

Whether you’re keeping it weird in Portland, enjoying some dry weather in Medford, or hiking in Redmond, you can find affordable insurance in every Oregon city.

Your location plays a critical role in your insurance rates. Car insurance companies look at things like the number of accidents, car theft, and weather risks in an area to formulate your quotes. You can see vastly different rates by moving even a single ZIP code over.

Portland, OR, auto insurance is some of the most expensive in the state, and understandably so. Factors like increased traffic, more car theft, and wildfire risks add together to make Portland rates high.

If you’re looking for cheap auto insurance in Oregon and need to be in the Portland area, you can save by choosing nearby cities like Beaverton and Lake Oswego.

Oregon Auto Insurance Laws

You know how much insurance you need before legally driving on an Oregon road, but what are other car insurance laws for Oregon?

For starters, you must present proof of insurance when you register a car or request a light trip permit. You need to keep a copy of your insurance card in your car, and Oregon requires companies to send you a physical copy that states your policy’s expiration date.

If you’re caught without insurance, you’ll face a fine of up to $1,000, the suspension of your license and registration, vehicle impoundment, and a reinstatement fee of $75. You’ll also have to submit proof of financial responsibility.

If you’re struggling to find car insurance you can afford due to DUIs, multiple at-fault accidents, or any other reason, you can apply for the Automobile Insurance Plan of Oregon. Since all drivers must have insurance, Oregon will help you get minimum coverage when you can’t find it elsewhere.

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Oregon SR-22 Auto Insurance

Cheap SR-22 auto insurance isn’t technically coverage. Instead, it’s a form that your insurance company submits to the Oregon DMV as proof that you carry at least minimum coverage.

You may be required to submit an SR-22 form  for the following reasons:

• Driving without insurance
• Convicted of a DUI
• Failed to pay for damages after an at-fault accident
• Are trying to reinstate your driving privileges
• Applied for a probationary or hardship permit after a license suspension
• Need to comply with a court order

The length of time you’ll need SR-22 coverage depends on why you were ordered to get it. For example, you’ll need to submit an SR-22 form every month for three years if you’re convicted of a DUI.

How To Get SR-22 Auto Insurance in Oregon

Receiving orders to submit SR-22 insurance every month can feel stressful, but the process is simple. If you already have insurance, you can contact a representative from your company to find out how much it will cost for them to file your SR-22 insurance.

For drivers looking for new insurance, you should include that you need SR-22 insurance when you request a quote. Your rates will likely be higher, but having SR-22 insurance will keep you legal on the road.

In some situations, you might need your license reinstated but no longer have a car. Getting your license reinstated requires SR-22 insurance in Oregon, but it can be tricky to get without a car. In this situation, you should consider non-owner car insurance.

Non-owner car insurance gives you coverage when you occasionally drive someone else’s car. It’s usually much cheaper than what standard auto insurance insurance companies offer, and you’ll be able to file SR-22 certification with the DMV.

Find the Best Car Insurance in Oregon Today

Along with its natural beauty and unique personality, Oregon drivers can look forward to insurance rates 15% cheaper than the national average. Some areas — especially Portland and surrounding cities — see slightly higher rates, but most drivers can find affordable auto insurance in Oregon.

One of the best ways to find affordable Oregon auto insurance, no matter what part of the state you live in, is to compare Oregon auto insurance quotes. While State Farm, USAA, and Travelers have the lowest average rates in Oregon, you might find that the best Oregon auto insurance is elsewhere.

Free Auto Insurance Comparison

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