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Compare cheap car insurance in Oregon

How to get cheap car insurance in Oregon

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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.

  • Pay by miles driven
  • Low base rates
  • Drive less, pay less

Our top pick: Metromile

Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.

  • Rates from $29/month plus pennies per mile
  • Low-mileage drivers could save $611/year
  • All miles over 250 a day are free
  • Easy app and online claims plus 24/7 support
Promoted

Compare Oregon car insurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
52%
AZ, AR, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TN, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
Yes
All 50 states
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.

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.

Oregon car insurance rates

Rates last updated September 2nd, 2019
Company Median annual rate Learn more
Metromile $803 Read review
Geico $1,227 Read review
Allstate $864 Read review
Average $965 Compare more reviews

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

Which car insurance provider is best for me?

Looking to save on car insurance? Answer these three questions to find a provider that best fits your needs and budget.

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