Oregon Car Insurance

Compare Cheap Car Insurance Quotes

 Secured with SHA-256 Encryption

Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

Full Bio →

Written by

Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

Full Bio →

Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Jul 30, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right cheap car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Car insurance comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

In a nutshell...

  • One thing you should remember is that Oregon operates under the tort system of liability and does not have the liability protection
  • Oregon car insurance laws are much higher than most state requirements
  • The Oregon Department of Motor Vehicles and local law enforcement are responsible for administering Oregon car insurance laws

Oregon car insurance laws are much higher than most state requirements. All drivers are required to obtain liability insurance, personal injury protection, and uninsured motorist coverage.

The penalties for driving with no car insurance in Oregon are high. If you happen to get in a car accident while operating a vehicle with no guarantee your driver’s license will be suspended for 12 months!

Enter your zip code above to get FREE car insurance quotes today!

Oregon Car Insurance Laws

Minimum auto insurance coverage and rates vary from state to state. Compare state to state below:

View as image

The Oregon Department of Motor Vehicles and local law enforcement are responsible for administering Oregon car insurance laws.

Before registering any vehicle in Oregon you must show proof of insurance and continue to maintain auto insurance at all times which conforms to state minimum requirements.

Oregon car insurance laws require all vehicles to carry liability insurance with at least:

— Liability Insurance

  • $25,000 per accident involving one injured person
  • $50,000 combined liability coverage per accident
  • $20,000 property damage

Your average monthly car insurance rates by coverage may be cheaper than expected for additional coverage like comprehensive. Review rates for car insurance coverage below:

View as image

— PIP (Personal Injury Protection)

  • $15,000 to pay reasonable and necessary medical expenses for a minimum of one year following a car accident.

Compare Cheap Car Insurance Quotes

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

— Uninsured Motorist Coverage

  • $25,000 per accident
  • $50,000 total coverage per accident

There are some vehicles exempt from these car insurance requirements such as classic cars, snowmobile, farm trailers and other non-typical private passenger vehicles so check with the Department of Motor Vehicles for a full list of exempt vehicles.

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Oregon Car Insurance Rates

Oregon is a pretty reasonable state for car insurance premiums. One thing you should remember is that Oregon operates under the tort system of liability and does not have the liability protection from no-fault car insurance laws.

How does ZIP code affect auto insurance? Factors like traffic, crime, and claim frequency in your area all matter. Find out how your ZIP code compares against other zips in OR.

View as image

Which gender and age pays more for car insurance? Drivers under 25 years old are often in the highest risk class. See if the gender stereotype (males vs female auto insurance rates) holds true in Oregon.

View as image

Six major factors affect auto insurance rates in OR. Which car insurance factors will affect your rates the most? Find out below:

View as image

Who is the cheapest car insurance company in OR? Review the average auto insurance rates by company below:

View as image

Who are the largest auto insurance companies in OR?

View as image

At first glance, Oregon car insurance requirements may seem a bit high, however, they are one of the most comprehensive sets of minimum-mandatory auto insurance requirements in the nation.

Oregon car insurance rates average around 15 percent lower than the national average, and well over 125 auto insurance providers are licensed to sell coverage.

Almost all car insurance companies offer coverage in Oregon including Fireman’s Fund, Esurance, Progressive and other well-known brands. Take your time, compare and try to find a balance between affordable premiums and a quality provider.

Enter your zip code below to get FREE car insurance quotes today!

References:

  1. https://www.esurance.com/info/car/uninsured-and-underinsured-coverage
  2. https://www.nationwide.com/insurance-law.jsp
  3. https://www.thebalance.com/understanding-minimum-car-insurance-requirements-2645473
  4. https://www.allstate.com/tools-and-resources/car-insurance/ask-agent-premium-deductible-limit.aspx

Compare Cheap Car Insurance Quotes

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by State
Monthly Oregon Car Insurance Rates by ZIP Code
Average Monthly Car Insurance Rates by Age & Gender in Oregon
Factors Affecting Car Insurance Rates in Oregon
Oregon Car Insurance Rates by Company vs. State Average
Oregon Car Insurers by Market Share %