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Car Insurance in Oregon (Updated May 2024)

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Oregon Car Insurance Quotes

Car insurance costs are up 22% from a year ago, with some states seeing even higher increases than others. Looking at Oregon however, drivers are paying 11% less for car insurance than the national average, with Full Coverage costing Oregon drivers an average of $168 per month

Similar to other states, the rates in Oregon can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. Of course, a driver's profile also impacts the total cost of coverage, with age, driving history, and even credit score being some of the major factors evaluated by insurance providers. 

We partner with insurance experts to analyze millions of data points and get you the best car insurance in Oregon. Read on to learn more about properly insuring your car in Oregon. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 


Oregon Car Insurance Laws

Oregon specifically prohibits operating a motor vehicle without liability coverage. However, some vehicles are exempt from the law, including farm trailers and tractors, motored scooters, and certain special interest collector's vehicles. 

Oregon’s car insurance minimums

Owners of automobiles that don't qualify for exempt status must show proof of Oregon car insurance minimums, including:

  • $25,000 for the death or injury of one person
  • $50,000 for the death or injury of two or more people
  • $20,000 for property damage

In addition, Oregon requires policyholders to purchase $15,000 in personal injury protection. Uninsured motorist coverage of $25,000 per individual and $50,000 per crash is also required.

Proof of Insurance

“ Failing to comply with proof of financial responsibility  requirements may result in license suspension. ” 


Motor vehicle operators caught driving without insurance in Oregon face potential suspension of their driver's license if they're involved in an accident without proper coverage. Violators must also show proof of financial responsibility for at least three years to avoid further penalties. Failing to comply with the proof of financial responsibility requirements may result in license suspension.

Unfortunately, there is no new car insurance grace period in Oregon. Before driving a newly purchased vehicle on public roads and highways, owners should obtain insurance that meets Oregon's minimum liability requirements.

Frequently Asked Questions

What is the quickest way to reduce my insurance premium in Oregon?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in Oregon?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in Oregon?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.


🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.