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Cheap SR 22 Auto Insurance in Oregon: Best Companies & Quotes
Personal Finance Expert
Tyron Jones is a finance expert who has operated within the auto insurance business for more than 10 years. He has written many other finance related articles for a number of prominent publications.
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)
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)
The Best Ways to Lower Your Auto Insurance 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, how to profit when insurance company totals your car?
How to get high risk car insurance in Oregon?
What car insurance do police use in Oregon?
What car insurance do I need in Oregon?
In Oregon, how many days do you have to get insurance for a new car?
What year did auto insurance become mandatory in Oregon?
In Oregon, when do you add a teen to auto insurance?
Why I buy a new car in Oregon, how long do I have to notify my insurance company?
I am trying to buy a car in Oregon, why do I have to have insurance to test drive?
Why was I sent a request to prove Oregon liability car insurance?
- 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?
Who to contact if you have a car insurance complaint in Oregon?
How long does the auto insurance company keep the claim record in Oregon?
What to do about auto insurance if driving for Lyft in Oregon?
How long does it take for insurance to pay out for a car accident in Oregon?
Where to get temporary auto insurance in Oregon?
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?
Who has the most expensive car insurance in Oregon?
Who has the cheapest car and home insurance in Oregon?
What is the typical auto insurance coverage rate for Oregon?
Why is auto insurance so high in Oregon?
- 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?
What is the auto insurance rate for an Oregon teenager?
What is the cheapest auto insurance in Oregon?
What does average auto liability insurance cost in Oregon?
How much should I pay for car insurance at 18 years old in Oregon?
How much does car insurance cost in Oregon?
Why is Oregon car insurance so expensive?
Why are auto insurance rates going up in Oregon?
How much is liability auto insurance for a 23 year old woman in Oregon?
What counties in Oregon has the lowest car insurance?
How much does commercial car insurance cost in Oregon?
How does car insurance in Oregon compare to California?
What is the best motorcycle insurance Oregon?
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?
What is full coverage auto insurance in Oregon?
What is the minimum coverage for auto insurance in Oregon?
Where can you buy Oregon minimum insurance for auto coverage?
- 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?
How does Progressive auto insurance rate in Oregon?
In Oregon, what type of car insurance is required to rent a vehicle?
Who has the best auto insurance in Oregon?
How long does my existing insurance extend when I get a new car in Oregon?
What is Oregon basic liability insurance policy coverage when there is a death?
Best car insurance in Oregon when you have tickets?
What is the recommended car insurance coverage for Oregon?
How much car insurance do I really need in Oregon?
No Insurance in Oregon
In this section, you will find frequently asked questions pertaining to having no insurance in the state of Oregon.