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Get the cheapest car insurance in Oregon

Best cheap car insurance in Oregon for 2021

The average annual cost of car insurance in Oregon is $1,077.22. Narrow down car insurers offering coverage in Oregon by roadside assistance, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
The AARP Auto Insurance Program from the Hartford
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.

Compare up to 4 providers

Oregon drivers pay an average of $1,077.22 per year for car insurance according to the National Association of Insurance Commissioners (NAIC), that’s about $89.77 per month. Oregon drivers pay about 9% less than the countrywide national average of $1,189.64.

The NAIC takes into account all car insurance policies within the state such as drivers who select only state minimum coverage, as well as policies that include various levels of comprehensive and collision coverage. Because car insurance rates are influenced by personal factors, you could find yourself paying significantly less.

Oregon car insurance quick facts

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Minimum liability requirements


Average annual car insurance cost according to the NAIC


At-fault state

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

Oregon state minimum car insurance requirements

Drivers in Oregon are required to carry a minimum amount of liability coverage to legally drive. You may see it written as 25/50/20, but we’ll break down what that means.

    Bodily Injury Liability

    Oregon bodily injury liability

    • $25,000 bodily injury liability per person
    • $50,000 bodily injury per accident

    Oregon requires $25,000 in bodily injury liability per person and $50,000 of bodily injury per accident to legally drive. That’s right in line with what most states across the US require for this coverage.

    This means $25,000 is the most your insurer will pay for a single person injured by you in an at-fault accident. And $50,000 is the maximum amount your insurer will pay if there is more than one person injured by you in an at-fault accident. Any costs outside of your bodily injury limit are required to come out of your pocket.

    Property damage liability

    Oregon property damage liability

    • $20,000 property damage liability

    Oregon requires drivers to carry $20,000 of property damage liability to legally drive. This is the highest required property damage limit across the US, with 18 other states requiring this amount.

    This means $20,000 is the maximum amount your car insurance company will pay towards damages you cause to another person’s car or property, such as repairs to a car, fence or building. You’ll have to pay out of pocket for any costs beyond your property damage liability limit.

    Uninsured or underinsured motorist

    Oregon uninsured motorist

    • $25,000 uninsured motorist bodily injury per person
    • $50,000 uninsured motorist bodily injury per accident

    Oregon requires all drivers to carry $25,000 of uninsured motorist bodily injury per person and $50,000 uninsured motorist bodily injury per accident to legally drive. Near half of the states across the US require some sort of uninsured motorist coverage, though some other states let you opt-out.

    This coverage protects you if you get hit by an uninsured or underinsured driver. It pays for medical bills for you and your passengers.

    Personal injury protection or medical payments

    Oregon personal injury protection

    • $15,000 personal injury protection

    Oregon drivers are required to carry $15,000 worth of personal injury protection to legally drive.

    This coverage helps pay your or your passenger’s medical expenses if you’re injured in an accident, regardless of fault.

    Finder tip: Oregon state minimum coverage isn’t enough

    These state-mandated requirements are the lowest amount of coverage you need to legally drive in Oregon, but may fall short if you’re in a major accident. To avoid high out-of-pocket costs after an accident, consider raising your liability limits by balancing coverage, your budget and what you can afford to pay out of pocket for certain damage.

    Most popular Oregon auto insurance companies list

    CompanyDirect premiums written (billions)Market share
    State Farm$607,81119.8%
    Liberty Mutual$262,8848.50%
    COUNTRY Financial$112,6273.70%
    American Family$89,3402.90%

    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
    American Family$1997

    Car insurance quotes in Portland

    CompanyAnnual car insurance rate
    American Family$1868

    Car insurance quotes in Bend

    CompanyAnnual car insurance rate
    American Family$1251

    Car insurance quotes in Oregon City

    CompanyAnnual car insurance rate
    American Family$1762

    Car insurance quotes in Eugene

    CompanyAnnual car insurance rate
    American Family$1589

    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.

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