Cheap Oregon Car Insurance

Across the Beaver State, there are 122,395 miles of road waiting to be driven. We’ll get you prepped, then you take the wheel.

Affordable Insurance Premiums in Oregon

Cheap auto insurance for drivers with clean records in Oregon

Drivers with good records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Oregon drivers earn big by driving safe and avoiding at-fault accidents, cutting 36% from their car insurance bill, on average — compared to the national average of 33%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Cheap car insurance for new drivers in Oregon

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged between 16 and 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Oregon, the typical teen driver pays $5,208 per year — approximately $300 more than the national average for teens, and more than three times as much as the average driver in Oregon.

Cheap car insurance for high-risk drivers in Oregon

The best way to minimize your auto insurance expenditure is to avoid at-fault accidents, speeding tickets, and DUIs. As insurance companies use your driving record as a way to predict the level of risk you present, keeping your driving record clean will lead to lower premiums. It's especially important to avoid at-fault accidents, speeding tickets and DUI citations in Oregon, one of the states in which insurance companies penalize poor driving most severely. In fact, a single speeding ticket can raise an Oregon driver's car insurance rates by 19%.

Best Car Insurance Companies in Oregon

Each and every car insurance company highlights its affordable costs. But as with any service, the most affordable car insurance policy isn't always the preferable selection. Considering what's at stake, it's worth doing your research to discover an insurance policy that can cover your car completely after an accident. Be on the lookout for a great value, rather than settling for the cheapest car insurance available.

Compare top auto insurers' financial stability and claims satisfaction levels to better understand the level of service you will receive. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by AM Best and varying from "Superior" to "Poor" — assesses an insurer's financial strength and ability to satisfy its policy and contractual obligations.

How much auto insurance is required in Oregon?

Auto insurance minimums in Oregon are $25,000 bodily injury per person, $50,000 bodily injury per accident, and $20,000 property damage per accident.

If you carry the minimum coverage level in Oregon, you can expect to owe an average of $745 per year. This is more expensive than the nationwide average by 13%. If you want higher-level car insurance coverage, you can select a policy with comprehensive and collision coverage, protecting against the costs of vehicle collisions, theft, or weather incidents. But better insurance comes at a price: in Oregon, a comprehensive policy with a $1,000 deductible costs $1,253, 68% more than liability-only car insurance. For comprehensive insurance coverage with a $500 deductible, expect to pay 85% more than you would for basic coverage.

Compare average costs for liability insurance-only and comprehensive coverage options below.

Oregon Auto Insurance Laws

State minimum insurance requirements in Oregon

Drivers in Oregon must maintain — at a minimum — the below levels of auto insurance coverage:

Liability Insurance

• Bodily injury: $25,000 per person
• Bodily injury: $50,000 per accident
• Property damage: $20,000 per accident

Uninsured/Underinsured Motorist Coverage

• Bodily injury: $25,000 per person
• Bodily injury: $50,000 per accident

Personal Injury Protection (PIP)

• $15,000 per person

Optional coverages in Oregon (these vary by company):

• Comprehensive
• Collision
• Loan/Lease Payoff
• Rental Car Reimbursement
• Roadside Assistance
• Uninsured Motorist Property Damage

Learn more about Oregon's auto insurance regulations. 

Driving Laws in Oregon

Oregon texting and driving laws

1. Ban on hand-held cell phones
2. Ban on all cell phones for drivers <18 years old
3. Ban on text messaging for all drivers

Oregon DUI/DUII regulations

The DUI/DUII lookback period in Oregon is five years. Multiple DUII (driving under the influence of intoxicants) offenses within five years may lead to stricter penalties and fines.

Penalties are also enhanced for any DUI in which a child under 18 years old is a passenger.

The first and second DUII offense in Oregon is a class A misdemeanor. Three or more DUII offenses within 10 years are considered class C felonies.

First-time DUII offenses in Oregon lead to:

• Up to one year in jail
• $1,000 to $6,250 in fines
• License suspension for 90 days
• Must install and use an ignition interlock device for one year after suspension ends

Ticket Impact on Auto Insurance Rates in Oregon

If you receive a ticket or citation, your auto insurance rates will probably rise. By how much depends on the violation's severity, your insurance company's pricing strategy, and local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a look at car insurance costs in Oregon after a few common citations.

Oregon Car Insurance FAQs

How much does it cost to insure a car in Oregon?

Using a Honda Accord as an example, a six-month policy costs $687 — $114 per month — to insure a vehicle in Oregon.

Who has the cheapest car insurance in Oregon?

Our data suggest Travelers ($466) and USAA ($562) are the cheapest providers in Oregon.

Why is car insurance so expensive in Oregon?

Oregon's car insurance premiums are about average compared to the rest of the U.S. If you feel you are paying too much for car insurance, use The Zebra's comparison tool to see if you could be getting a better rate.