Cheapest Car Insurance Rates for May 2021
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Cheap Auto Insurance in Oregon: Best Companies & Quotes
Best Car Insurance Companies in Oregon
- Country Financial
- State Farm
- American Family
|Country Financial||State Farm||Geico||Progressive||American Family||Nationwide|
|AM Best Financial Strength Rating||A+||A++||A++||A+||A||A+|
|JD Power 2019 Overall Customer Satisfaction score||3/5||5/5||3/5||3/5||3/5||2/5|
|Avg Annual Premium||$619||$736||$827||$872||$1,170||$1,348|
|Consumer Reports Reader Score||79||78||78||75||89||N/A|
Auto Insurance Statistics in Oregon
Auto insurance rates in Oregon have been a bit lower than the national average for many years. Drivers in the state can enjoy having lower auto insurance rates in Oregon compared to other states.
Top 10 Cheapest Car Insurance Companies in Oregon
|Rank||Company Name||Avg. Annual Premium|
Drunk Driving Fatalities
Drinking and driving is a potentially dangerous practice that can often end in death. In Oregon, drunk driving has seen a spike in 2015 but is now closer to the national average since 2017. To prevent deaths from drinking and driving in Oregon, it is essential that drivers consider refraining from operating a vehicle when under the influence of alcohol. The National Highway Traffic Safety Administration has done a tally of the number of drunk driving fatalities in Oregon vs. nationwide.
Drunk driving fatalities in Oregon from 2013 to 2017
Teen Drinking and Driving
Teen drinking and driving in Oregon has exceeded the national average. This means that it is an epidemic that needs to be addressed by parents as well as in schools. This data shows that more teens in the state are driving while under the influence when compared with the rate of teens drinking and driving across the country. The below statistics compare the percentage of Oregon drivers that are teenagers who are drinking and driving related to national averages.
Teen Drinking & Driving in Oregon vs. Nationwide (2017)
Source: Center For Disease Control
SR-22 Insurance in Oregon
SR-22 policies in Oregon prove that you have ‘future responsibility’ of any financial loss that comes from a road accident. You will most likely be required to have this form of insurance if you commit a traffic offence. It requires you to have the basic amount of liability coverage within the state — your insurance provider will also be required to notify Oregon’s DMV that you have the correct policy. It can take weeks from your initial application until you gain approval, so you need to start the process as quickly as possible.
In Oregon, you do not need to own a vehicle to be required to have this form of insurance. If the state tells you that you are required to have SR-22 to keep your license, you will need to obtain a policy, regardless of vehicle ownership status. Still, there may be some insurance providers that will offer you better rates if you do not own a vehicle.
Car Theft in Oregon
Car theft in Oregon is slightly more than the national average. By finding out about the rate of car theft in Oregon, drivers will have a more comprehensive understanding of the level of risk they take while driving and owning a car in the state.
Vehicle thefts by rank nationwide vs. Oregon
Uninsured Motorists in Oregon
Without auto insurance, drivers in Oregon will have to pay out of pocket for accident-related expenses. Not only that but they may have to get insurance for high risk drivers after that. In the event of an accident with an uninsured driver, it will be helpful to have uninsured and underinsured motorist coverage. The below data shows how well Oregon ranks in the total number of reported uninsured motorists in the state in the year 2015.
Percentage of uninsured drivers (Top States in 2015)
Source: Insurance Information Institute
The Best Ways to Lower Your Auto Insurance in Oregon
One of the most responsible things any adult does is create a budget and stick to it. It’s one of the best ways to stay on track financially, to help yourself control your finances, and to make good decisions in your adult life. It’s not just creating a budget that’s helpful, though. It’s examining the budget regularly to see where you can cut costs, save money, and make better financial decisions. One thing many Oregon residents overlook is their car insurance. You might assume you already have cheap car insurance, or that cheap insurance isn’t good enough to handle the issues you want covered. This is a normal feeling, and you’re not alone. However, there are other options for you, and it’s time to learn how to lower your auto insurance bill in Oregon.
Call Your Insurance Company
If you have a relationship with an insurance company as it is, it’s time to call them and ask to have some relief from what you’re currently paying. Most people can get a small discount or two by asking if they’ve been a long-time customer with a great payment history. If you need to, tell your insurance company you’d like to pay less since it’s no longer in the budget to pay what they’re asking. If they hesitate to give you a discount, just tell them you’ll be looking elsewhere for a new policy. It’s truthful, and often it’s all they need to get into gear offering up those discounts.
Ask for Standard Discounts
Many local car insurance companies in Oregon offer standard discounts when they apply. One is a safety discount. If your car is rated as one of the safest on the road, you can get a slightly lower rate for this. It’s also helpful to buy a car with a lot of additional safety features. Things like back-up cameras, lane change assist, and more can help you find a good deal on your insurance premium.
You can also ask for payment discounts if you pay your entire premium in full every six months rather than paying monthly. Not all companies offer this, but may do. This could be around $5 per month, which adds up to substantial savings every year. If you choose to sign up for electronic statements rather than receive paper statements in the mail, you might also receive a small discount.
By paying in advance, you might save a few small fees, too. If you pay a convenience fee each month to pay online, you save that. There are savings everywhere if you know where to find them.
Look Up Your Address Information
People who live in an area with a high crime rate or where the economy isn’t great get charged more for insurance than anyone else. If you live where crime is high, your car is being housed in a risky area. If the economy is poor where you live, it might be safe to assume many people in your general area don’t have insurance. Your insurance company might charge you more each month for this.
If you’ve recently moved and your new neighborhood is safer and/or more affluent, you could ask your insurance company to offer you a discount for keeping your car somewhere safer and less dangerous. It works for many people, and it’s something worth taking advantage of if you can.
Finding a new insurance policy is never easy, but it should be done by comparing rates in at least three different locations. Find some companies you’d like to work with, call for a quote, and compare them. You could end up with negotiating power when you do this, which is always something favorable to your financial situation. Don’t be afraid to pit companies against one another to find the cheapest car insurance quotes in Oregon. You should have an option to pay as little as possible for the best possible coverage. Just remember that cheaper doesn’t always mean better, and expensive also doesn’t mean better when you are talking about car insurance quotes in the State of Oregon.
Types of Auto Insurance Coverage in Oregon:
- Comprehensive Insurance Coverage
- Bodily Injury Liability Insurance
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
- Property Damage Liability Insurance
Minimum Requirements For Car Insurance in Oregon
There are minimum requirements or car insurance in the state of Oregon. All drivers are required to have liability, personal injury protection, and uninsured motorist coverage. This is required by the state Department of Motor Vehicle.
Liability and Uninsured Motorist minimums in Oregon:
$25,000 per individual
$50,000 per accident involving injury
$25,000 per accident to cover property damages
Personal Injury Protection minimums:
Source: Oregon DMV
Cheap Auto Insurance Discounts
If you are trying to save on the price of auto insurance in Portland or any other city in Oregon, you will need to first review the available car insurance discounts. At CheapAutoInsurance.co, we make it easy to save on the cost of auto insurance in Oregon. That is why we have put together a list of great auto insurance discounts to take advantage of. Browse the list below to find some of the auto insurance discounts listed that can help you to save on the cost of car insurance.
- Anti-theft discount
- Mature driver discount
- Military or Veteran discount
- Bundling insurance policies discount
- Senior citizen discount
- Car safety features discount
- Good student discount
- Defensive driving discount
- Low-mileage discount
- Multi-car auto insurance discount
- Infrequent usage discount
General Auto Insurance in Oregon
In this section, you will find frequently asked questions pertaining to general auto insurance in Oregon.
For Oregon auto insurance, if it is incorrect, who do I contact?
In Oregon, if your policy or information is incorrect, you will need to contact an insurance directly using the toll-free number offered by the insurance company or visiting a local insurance agency.
In Oregon, how to profit when insurance company totals your car?
In Oregon, there is no way to profit when the insurance company is responsible for totaling your car. If anything, the insurance company will make sure to cover all of the damages, so you don’t have to pay anything out of pocket.
How to get high risk car insurance in Oregon?
The best way to get car insurance in Oregon is to compare auto insurance quotes from different insurance companies in your area. Once you found an insurance policy that works with your budget and offers the best coverage for the price, you will then need to pay for the first month or 6 months premium before receiving any documentation. Learn more about how to find the cheapest car insurance.
What car insurance do police use in Oregon?
Most police officers in the state of Oregon will use the state minimum required auto insurance. Other police officers will use full coverage auto insurance depending on the area of operation.
What car insurance do I need in Oregon?
In the state of Oregon, it is required for all drivers to carry a minimum car insurance coverage of liability with bodily injury coverage, property damage coverage and personal injury protection. If you need car insurance now then don’t hesitate to get a quote through our form above.
In Oregon, how many days do you have to get insurance for a new car?
In Oregon, you will have to purchase insurance for a new car immediately. However, if you already have auto insurance, you will have an extended policy to inform your insurance company that you have purchased a new car within 7 to 30 days. Also see: Getting insurance for unlicensed drivers.
What year did auto insurance become mandatory in Oregon?
Auto insurance became mandatory in the state of Oregon the same year as it became mandatory in most US states: 1927. However, the first state to require the purchase of auto insurance on a vehicle was Connecticut in 1925.
In Oregon, when do you add a teen to auto insurance?
In Oregon, you will have to add a teenage to your auto insurance policy the moment they have a learner’s permit, valid driver’s license or access to drive one of the vehicles on the insurance policy. Getting insurance for new drivers at an affordable cost can sometimes be challenging but not impossible.
Why I buy a new car in Oregon, how long do I have to notify my insurance company?
In Oregon if you purchase a new car, you will have between 7 to 30 days to inform your insurance company of the new vehicle. Some insurance companies will offer extend insurance policies just for this purpose. Learn more about how to switch car insurance companies if you’re wanting better rates.
I am trying to buy a car in Oregon, why do I have to have insurance to test drive?
Depending on the car dealership in Oregon, you will be required to have auto insurance in order to test drive a new vehicle because of the potential risk of an accident that you can cause during the test drive. This insurance will cover damages to the car and yourself, not the car dealership.
Why was I sent a request to prove Oregon liability car insurance?
There are many reasons as to why you were sent a request to prove Oregon liability car insurance such as:
- Lapse in car insurance coverage.
- Change in insurance or on vehicles on the policy.
- New driver in the state of Oregon.
For Oregon auto insurance, who pays in an accident?
In Oregon, when you get into a car accident but are covered by an insurance policy, the driver who is responsible for causing the accident will have their insurance company cover the cost of damages or bodily injury.
Who to contact if you have a car insurance complaint in Oregon?
If you have a complaint about a certain insurance company, you can file a complaint with the Division of Financial Regulation in Oregon by calling their toll-free number or scheduling an appointment.
How long does the auto insurance company keep the claim record in Oregon?
An insurance company can keep a claim record in Oregon for 1 to 3 years. As required by Oregon law, a claim cannot be held by your insurance to be used to an increase in insurance price for longer than 3 years.
What to do about auto insurance if driving for Lyft in Oregon?
If you decide to become a driver for Lyft in Oregon, you may need to purchase additional supplemental insurance on top of having the necessary insurance as required by Oregon state law. This insurance will protect you for damages or bodily injury in the case of an accident while the Lyft app is running.
How long does it take for insurance to pay out for a car accident in Oregon?
An insurance company can take as long as 1 to 3 weeks to pay out money for damages that have occurred in an accident in Oregon. The faster you report an accident and file a claim, the faster the insurance company can pay out money.
Where to get temporary auto insurance in Oregon?
The best way to get temporary auto insurance in Oregon is to search for agencies that offer temporary auto insurance in your area. Temporary insurance is typically issued if there has been a lapse in your current insurance policy. You could also just get an online auto insurance quote and indicate on the form it is form temporary coverage.
Auto Insurance Price in Oregon
In this frequently asked question section, you will find commonly asked questions pertaining the price of auto insurance in Oregon.
How much is car insurance in Oregon?
The average cost of car insurance in Oregano can range from $905 for a yearly premium to as high as $1,700 a year. The price can vary based on the type of car you own, the coverage you purchase and what area of Oregon you live.
Who has the most expensive car insurance in Oregon?
The car insurance company that offers the most expensive car insurance in Oregon is Grange Insurance Association. Grange Insurance Association offers the highest rates in various counties in Oregon just for the state minimum coverage.
Who has the cheapest car and home insurance in Oregon?
The insurance company with the best home and auto insurance bundle in Oregano as of 2018 is GEICO Insurance. GEICO offers competitive rates for auto insurance in various counties in Oregon as well as offer homeowners insurance policies that can be bundled together. Also if you look at antique car insurance cost comparisons you’ll see its some of the cheapest insurance you can get.
What is the typical auto insurance coverage rate for Oregon?
The typical auto insurance coverage rate for Oregon can range in price from $905 to as high as $1,700 a year. These rates can differ based on whether or not drivers live in high risk areas, the type of car they own, personal driving history and what type of coverage the policy covers. Learn more about how to reduce car insurance rates.
Why is auto insurance so high in Oregon?
There are many reasons why auto insurance is so high in Oregon. These reasons can include:
- Inflation nationwide.
- Insurance laws in Oregon.
- Personal driving history.
- Type of coverage purchased.
- State tax increases in Oregon.
What is the rough cost for car insurance in Oregon when you have a previous DUI?
A rough cost for car insurance in Oregon when you have a previous DUI on your driving can range in price from just an extra $100 a month or as much as an additional $761 for the year. You may be required to carry sr22 car insurance depending on how long its been since the DUI.
What is the auto insurance rate for an Oregon teenager?
The average auto insurance rate for an Oregon teenager can start as high as $2,267, which includes all liability coverage levels. This rate will drop for a teenager when they reach the age of 21. Read more: How much is car insurance for a 16 year old?
What is the cheapest auto insurance in Oregon?
The cheapest auto insurance in Oregon is GEICO insurance. GEICO insurance offers the best rates for the standard state required liability coverage for drivers with a good driving history, drivers with poor credit or drivers who have one at-fault crash on their driving record.
What does average auto liability insurance cost in Oregon?
Average auto liability insurance can cost a price of $905 a year or as high as $1,100 a year depending on the area the car is insured, the personal driving record of the driver and the age of the driver. The way to get cheap liability insurance coverage is to compare quotes from multiple companies.
How much should I pay for car insurance at 18 years old in Oregon?
In Oregon, if you are 18 years old, you can expect to pay as much as 365% more in car insurance rates than someone who is 21. The average car insurance rate for an 18 year old is $2,267 for a yearly premium. Check out the average car insurance for 18 year old male drivers.
How much does car insurance cost in Oregon?
Car insurance in Oregon can range in price depending on a variety of factors such as the county a car is insured in, whether or not there are previous drug convictions on the driving record and what type of coverage is purchased. The average cost of car insurance in Oregon can start as low as $905 a year to as high as $1,700 a year. See if you can find a company that has pay later car insurance, meaning no deposit upfront.
Why is Oregon car insurance so expensive?
There are many reasons why Oregon car insurance is so expensive is because of the number of claims filed per year in Oregon, drivers that live in high risk areas and state tax increases in Oregon.
Why are auto insurance rates going up in Oregon?
Auto insurance rates are going up in Oregon due to a number of reasons. The primary reason that insurance rates may be increasing is because the number of drivers who are filing accident claims are increasing.
How much is liability auto insurance for a 23 year old woman in Oregon?
Liability auto insurance for a 23 year old woman living in Oregon will range from $905 a year to $1,100 a year depending on the county she lives, the monetary value of the property damage and bodily injury coverage.
What counties in Oregon has the lowest car insurance?
The counties with the lowest car insurance rates in Oregon are Clackamas county and Jackson county, with car insurance rates starting as low as $1,200 for a yearly premium for the standard state minimum liability coverage.
How much does commercial car insurance cost in Oregon?
Commercial car insurance in Oregon can cost $900 to $1,200 a year depending on coverage limits, monetary value of damages covered by the insurance and if the driver has a clean driving record.
How does car insurance in Oregon compare to California?
Annually Oregon is a few hundred dollars cheaper on average than California. This could change depending on the type of vehicle insurance you’re asking about. For example sr22 insurance California rates could be higher or lower depending on your driving profile.
What is the best motorcycle insurance Oregon?
The best motorcycle insurance companies will be the one willing to offer the best rate for your unique driver profile. So its difficult to say with so many variables. You should use a price comparison tool to see the best options in your area.
Auto Insurance Coverage in Oregon
In this section, you will find the answers to commonly asked questions regarding auto insurance coverage in Oregon.
How soon after buying a car in Oregon, do I need to buy insurance?
You will typically need to purchase auto insurance immediately after buying a new car as most car dealerships in Oregon will not let you leave the parking lot without the required insurance. However, if you already have car insurance, you can transfer your policy to the new car within 7 days. We can help you find the cheapest online auto insurance quotes available if you need a new policy.
What is full coverage auto insurance in Oregon?
Full coverage auto insurance in Oregon is auto insurance that combines the state required liability insurance coverage along with no fault auto insurance coverage, bodily injury coverage, personal bodily injury coverage and property damage coverage. To get full coverage car insurance quotes just fill out the form above starting with your zip code.
What is the minimum coverage for auto insurance in Oregon?
The mandatory minimum coverage required by state law in Oregon for auto insurance is liability insurance with a mandatory minimum of $25,000 for bodily injury and minimum of $20,000 for property damage.
Where can you buy Oregon minimum insurance for auto coverage?
There are many insurance companies and agencies you can buy Oregon minimum insurance for auto coverage from such as:
- GEICO Insurance
- Country Financial Insurance
- State Farm Insurance
- American Family Insurance
- Progressive Insurance
- Liberty Mutual Insurance
What is the minimum single bodily injury auto insurance requirement for all Oregon vehicles?
On all Oregon vehicles, you will need to fill the state mandatory requirement of single bodily auto insurance in the amount of $25,000 per person and $50,000 for bodily injury for other people per accident.
How does Progressive auto insurance rate in Oregon?
Progressive auto insurance rate in Oregon rates pretty low in the state. This is because Progressive insurance doesn’t offer competitive rates for the basic liability coverage nor does it offer the same benefits as other competitors.
In Oregon, what type of car insurance is required to rent a vehicle?
In order to rent a car in Oregon, you will need to have the state minimum liability insurance in addition to uninsured/underinsured motorist and personal injury protection. Most rental agencies will offer this type of temporary insurance coverage with an additional price.
Who has the best auto insurance in Oregon?
The best auto insurance in Oregon is GEICO Insurance. GEICO Insurance offers the best rates for drivers with a clean driving history, who need more for the basic coverage protection and for those that have poor credit.
How long does my existing insurance extend when I get a new car in Oregon?
Depending on the type of insurance that you have, most car insurance policies will offer an extension for when you buy a new car from 7 to 30 days. To be sure, contact your insurance company.
What is Oregon basic liability insurance policy coverage when there is a death?
If there is a death, by law Oregon liability policy coverage dictates that the surviving spouse will inherit the insurance policy, as long as the spouse is on the insurance policy. This will help ensure that the original policy holders’ assets are protected.
Best car insurance in Oregon when you have tickets?
The best car insurance in Oregon when you have tickets on your insurance policy will be Nationwide Insurance, Liberty Mutual or GEICO. Depending on the severity of the tickets and the infractions, these companies may not raise your insurance rates.
What is the recommended car insurance coverage for Oregon?
The recommended car insurance coverage for Oregon drivers is the state minimum car insurance of liability. It is also recommended to have a high value amount for collision and comprehensive protection, exceeding over $25,000.
How much car insurance do I really need in Oregon?
In Oregon, the only insurance that you really need is the liability insurance mandatory for the state. Of course, this will depend on your budgetary needs and whether or not you live in a high-risk area.
No Insurance in Oregon
In this section, you will find frequently asked questions pertaining to having no insurance in the state of Oregon.
What happens if you drive a car without insurance in Oregon?
If you drive a car without insurance in Oregon, it can result in serious penalties that can range from having your driving privileges suspended, receiving fines of $500 or more or having your car towed.
What happens if you crash your car without liability insurance in Oregon?
If you happen to crash your car without the state required liability insurance in Oregon, this can result in your driving privileges being suspended for no less than one year, your car being towed and a fine.
What happens when you get into a car accident without insurance and it wasn’t your fault?
If you got into a car accident and don’t have insurance, even if it wasn’t your fault, this will still result in you losing your license for a minimum of one year on top of having to pay a $500 fine.
What happens if you don’t have car insurance in Oregon?
If you don’t have car insurance in Oregon, legally, you are not allowed to drive your car on any of Oregon’s roads. Doing so will result in serious penalties such as fines, suspension of license and even jail-time.
Cheap Car Insurance Near Me in Oregon
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