Cheap Car Insurance in Oregon 2019

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Finding cheap Oregon car insurance

Looking for cheap auto insurance in Oregon? Here are some of the best ways to find savings:

  • Shop around by comparing several auto insurance quotes. Auto insurance rates can vary by hundreds of dollars among companies for the same coverage levels, so shopping around can pay off.
  • Keep a good driving record and avoid insurance claims. Accidents, tickets and claims can all result in a rate increase at renewal time.
  • Ask your auto insurance agent to review all the discounts from your insurer so that you're getting all possible savings.
  • Adding a young driver to your insurance? We have tips for getting cheap car insurance for teen drivers.
  • Have a college student? Find out if you're eligible for college students discounts on insurance.
  • Raise the deductible on comprehensive and collision insurance, if you buy them.
  • Buy homeowners insurance from your car insurance company to get a "bundling" discount.

We analyzed insurance premiums reported by EverQuote users in Oregon so you can see how average prices compare.

Sections:

  Oregon insurance vs. the U.S. average
  
Average Oregon insurance premiums by company
  
Insurance increases after a speeding ticket
  
Average premiums for Oregon cities

Oregon insurance vs. the U.S. average

Oregon is about average among states for low auto insurance premiums.

  • $1,610/year Oregon average.
  • $1,684/year national average.

Oregon insurance premiums by company

Company
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Average yearly premium in Oregon

The Hartford

$1,248

State Farm

$1,483

Travelers Insurance

$1,487

Liberty Mutual

$1,532

PEMCO Insurance

$1,548

Geico

$1,588

Nationwide Insurance

$1,616

COUNTRY Financial

$1,634

Farmers Insurance

$1,642

American Family Insurance

$1,649

Allstate

$1,669

USAA (must have a military affiliation to apply)

$1,687

Safeco

$1,707

Progressive Insurance

$1,714

Esurance

$1,748

Insurance increases in Oregon after a speeding ticket

Oregon drivers who get a speeding ticket pay an average insurance increase of 37%, much higher than the nationwide average increase.

State Annual premium with clean driving record Annual premium with speeding ticket % increase
Oregon $1,610 $2,207 37%
Nationwide average 26%

Average premiums in Oregon cities

Car owners in Gresham, near Portland, pay the most for auto insurance among the Oregon cities we examined.

City

Average annual premium

Albany

$1,468

Beaverton

$1,676

Bend

$1,447

Eugene

$1,481

Grants Pass

$1,364

Gresham

$1,791

Hillsboro

$1,636

Medford

$1,544

Oregon City

$1,716

Portland

$1,710

Roseburg

$1,526

Salem

$1,673

Springfield

$1,497

Minimum car insurance in Oregon

Oregon requires car owners to buy more auto insurance than many other states require: Liability, uninsured/underinsured motorist coverage and personal injury protection, or PIP. But the state minimum amounts may not be enough if you're in an accident. And the state-required insurance won't cover damage to your own vehicle. Let's look at what's available so you can makethe right purchase for what you want.

Liability insurance pays others if you cause damage or injuries in a crash. Buying the Oregon state minimum insurance may not be enough, especially if you have assets like a house and savings. You can be sued for accident bills if you don't have enough liability insurance.

Minimum liability insurance in Oregon:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $20,000 property damage per accident

This is often written as 25/50/20.

Minimum uninsured motorist (UM) and underinsured motorist (UIM) coverage:

  • You must buy UM in Oregon. The minimum UM coverage is $25,000 per person/$50,000 per accident (known as 25/50). UIM coverage is also required if you buy more than the state minimum for liability insurance. UIM limits must match your limits for bodily injury liability.
  • A form of UM called uninsured motorist property damage (UMPD) coverage is available in Oregon. It's similar to UM but covers your property damage rather than injuries. It will also cover car damage from a hit-and-run driver.

Personal injury protection (PIP):

  • You must buy at least $15,000 of PIP insurance in Oregon. This pays your medical bills if you're struck by a car while driving, walking or riding a bicycle. It will pay no matter who is at fault.

More types of auto insurance

Comprehensive: For theft of your car or damage caused by hitting an animal, hail, flood, fire, vandalism, falling objects and explosions.

Collision: For your own car damage from hitting another car or an object, like a fence or tree.

If you have a car loan or lease you are probably required to have both comprehensive and collision insurance.

Rental reimbursement: For a rental car if your vehicle is being repaired after an accident.

   More: Cheap car insurance in Oregon

You must show an insurance ID card (or other proof of financial responsibility) in Oregon when:

  • Law enforcement requests it.

Penalties for not having auto insurance in Oregon

  • Fines range from $1,300 to $2,000. License suspension and/or registration revocation is also possible.

Source: Property Casualty Insurers Association of America

Complaints against car insurance companies

The Oregon department of insurance handles complaints against insurance companies. A "complaint ratio" is meant to show the number of complaints nationally against a company in relation to its size of business. Shown below are ratios for the biggest car insurance companies in Oregon.

Oregon insurance complaints

Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.

Updated March 7, 2019

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