Temporary Auto Insurance in Oregon

The Zebra
Jan. 18, 2019

If you are seeking some flexibility, you could be interested in a temporary car insurance contract. But short-term car insurance is rare for a few reasons.

Firstly, major insurance underwriters do not draw up policy terms for fewer than six months. As auto insurance is mandated by law in most US states, changing policies by the month can be a risky proposition. You also run the risk of creating gaps in your auto insurance record by swapping policies frequently, resulting in higher rates in the long run.

Good news: car insurance policies typically run just six months. This allows auto insurance companies to re-rate — or recalculate — the bill with your recent driving history and personal info.


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It also provides the perfect opportunity to reevaluate your policy by checking out other insurers. Comparing quotes online is easy, and there isn't a penalty for changing insurance companies at the start of a new policy — or in the middle of your policy period, assuming you never let your insurance lapse.

The short-term nature of auto insurance makes it relatively simple to acquire on short notice. If you're required to get a policy to take a new vehicle off of the lot, attempting to get a policy for a longer-term car rental, or searching for insurance on a car you don't own but drive often, consider purchasing a standard policy and cutting the agreement short as needed.

Below are normal car insurance rates in Oregon, organized by top car insurance companies and cities. If your premiums exceed the rates listed below, consider other options.


TEMPORARY AUTO INSURANCE RATES IN OREGON — BY INSURER
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Oregon State Average — All Companies$634$106
Country$374$62
USAA$536$89
GEICO$550$92
State Farm$562$94
American Family$608$101

The cheapest option for single-month auto insurance in Oregon is Country, which can save you $27 each month, compared to the next-cheapest company, USAA. In Oregon, the average monthly cost of auto insurance is $106, or $634 over a six-month contract.

Where you store your car can have as large an impact on your insurance premiums as the insurance company you choose. Car insurance companies weigh the density and likelihood of a claim being filed when drafting prices by ZIP. See below insurance prices in Oregon's most populous cities and compare how much you pay.


TEMPORARY AUTO INSURANCE RATES IN OREGON — BY CITY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Portland$757$126
Eugene$573$96
Salem$667$111
Gresham$795$94
Hillsboro$683$114

If your costs exceed those listed above, take some time to compare rates. The short-term timetable of a car insurance agreement increases the importance of remaining informed and willing to shop.

Find out more about temporary car insurance or use The Zebra to compare policies today.


Additional resources

Check out the best auto insurance options for teen drivers.

Get affordable car insurance for new drivers.

Find out more about pleasure use car insurance.

Can you find affordable car insurance with no credit history?


Find a temporary policy today!