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Get the cheapest car insurance in Oregon for 2020

Best cheap car insurance in Oregon for 2020 | finder.com

Updated

If you plan to drive in Oregon, you’ll need to carry a minimum level of liability coverage. Shopping around may allow you to find insurance cheaper than Oregon’s average annual car insurance cost of around $1,300.

Oregon

Car insurance quick facts

25/50/10

Minimum liability requirements

$1,300

Average annual car insurance cost

No time limit

Days to update your license

At-fault state

In at fault states, the driver who caused the accident pays for damages.

Our top pick: Progressive

Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting
  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Compare Oregon car insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Root
52%
Available in 30 states
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.
Liberty Mutual
Optional
30%
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
Allstate
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Convenient online quotes, coverage and claims for tech-savvy drivers.
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Compare up to 4 providers

CompanyDirect premiums written (billions)Market share
State Farm$607,81119.8%
Progressive$451,91514.70%
Geico$301,2649.80%
Farmers$270,5478.80%
Liberty Mutual$262,8848.50%
Allstate$247,2098%
USAA$188,6346.10%
COUNTRY Financial$112,6273.70%
American Family$89,3402.90%
Nationwide$62,6332%

Average car insurance costs in Oregon

When it comes to average annual insurance costs, Oregon comes in right around the 2017 national average, costing the typical driver about $1,300 a year. Michigan usually leads the pack with costs topping almost $2,400 a year, and Maine tends to cost the least — between $800 and $900 annually.

As a rule of thumb, the cheaper places in Oregon for car insurance tend to be small towns or outlying rural areas like Corvallis and Ashland.

On the other hand, car insurance rates in the Portland area tend to cost more, with the outlying suburbs of Happy Valley and Gresham averaging $1,400 to $1,600 a year for auto insurance coverage.

Which city has the cheapest car insurance in Oregon?

Of Oregon’s largest cities, Bend has the cheapest rates and Beaverton has the most expensive car insurance rates. Beaverton drivers could face rates 2 times more than Bend drivers.

Car insurance quotes in Beaverton

CompanyAnnual car insurance rate
Allstate$1545
American Family$1997
Metromile$2023
Geico$2038
StateFarm$1883

Car insurance quotes in Portland

CompanyAnnual car insurance rate
Allstate$1663
American Family$1868
Metromile$2024
Geico$1824
StateFarm$1705

Car insurance quotes in Bend

CompanyAnnual car insurance rate
Allstate$1257
American Family$1251
Metromile$1512
Geico$1683
StateFarm$1263

Car insurance quotes in Oregon City

CompanyAnnual car insurance rate
Allstate$1600
American Family$1762
Metromile$2029
Geico$1976
StateFarm$1803

Car insurance quotes in Eugene

CompanyAnnual car insurance rate
Allstate$1262
American Family$1589
Metromile$1472
Geico$1673
StateFarm$1333

State minimum requirements in Oregon

To legally drive in Oregon, you’ll need insurance that includes at least:

  • $25,000 for bodily injury, per person.
  • $50,000 for total bodily injury to others, per accident.
  • $20,000 for property damage, per accident.
  • $15,000 in personal injury protection (PIP) per person.
  • $25,000 in uninsured/underinsured motorist (UM/UIM) coverage per person.
  • $50,000 in uninsured/underinsured motorist (UM/UIM) coverage per accident.

When you’re shopping for coverage, you might see these numbers expressed as 25/50/20.

How does personal injury protection (PIP) work in Oregon?

PIP is required for all vehicles in Oregon except motorcycles. Some PIP policies come with a deductible up to a maximum of $250, while others will kick in immediately. Coverage extends up to two years after the accident.

PIP coverage in Oregon covers medical expenses, lost income and funeral expenses up to $5,000. You can also get coverage for other related expenses, such as transportation costs to visit physical therapy or childcare costs while hospitalized. Lost income coverage kicks in after missing 14 consecutive days of work and has a limit of up to 70% or $3,000 per month.

When you file a claim for PIP coverage, you’ll file through your own insurance as your primary coverage, regardless of who caused the accident. You might be asked to provide proof of these expenses when you make your claim.

Car insurance for high-risk drivers in Oregon

If you have trouble finding affordable coverage or if you’ve been denied coverage because you’re considered a high-risk driver, you can find options through the Western Association of Automobile Insurance Plans (WAAIP).

With this option, you’ll be assigned an affordable provider. Any additional risk you pose to the insurance provider is spread across the network of insurance companies that participate in the WAAIP.

Can I get SR-22 insurance in Oregon?

Yes, you can get SR-22 insurance in Oregon. SR-22 is a certificate you file with the state to prove you have the minimum liability insurance needed to hit the road. You might need this if you’re trying to reinstate your driving privileges after a suspension, if you were caught driving without car insurance or if you’re applying for a hardship or probationary permit.

Bottom line

Car insurance is a requirement for motorists in Oregon, so if you plan to drive in this state you’ll want to look into your options. By shopping around and using the tips in this article, you should be able to find affordable coverage that takes care of your car insurance needs.

Frequently asked questions about car insurance in Oregon

Read more on this topic

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