Average Cost of Car Insurance in Oregon

Here’s a breakdown of average costs by category for car insurance in Oregon.

By Coverage Level

In Oregon, full coverage costs about twice as much as minimum coverage. Full coverage affords you greater financial protection in the event of an accident, while minimum coverage only covers the liability limits mandated by your state.

The following companies offer some of the cheapest insurance in Oregon.

*After USAA

Strategies that can help you lower your car insurance bill include:

1. Evaluate your existing coverage: Consider whether any coverages are unnecessary or redundant. For example, if you have a AAA membership, you can likely drop towing and labor coverage from your auto insurance policy.
2. Bundle policies: Many insurance companies offer discounts for purchasing multiple policies, such as renters and auto. If you have policies with separate companies, see if you can save money by combining them under one insurer.
3. Switch providers: If your current provider is raising your rates, consider getting quotes from other companies and switching your car insurance if you find something cheaper. To find the lowest prices, compare quotes from at least three providers, and include the same coverages across quotes for an accurate price comparison.

Oregon’s auto insurance requirements are:¹

• Bodily injury liability: $25,000 per person/$50,000 per accident
• Property damage liability: $20,000 per accident
• Personal injury protection: $15,000 per person
• Uninsured motorist bodily injury: $25,000 per person/$50,000 per accident

Oregon is an at-fault state, meaning that whichever party caused the accident is financially responsible for injuries and damages. Oregon still requires drivers to carry personal injury protection (PIP), which helps pay for medical expenses, lost income, and other losses you and your passengers sustained from the accident.

Under Oregon’s modified comparative negligence law, you can receive compensation for an accident even if you’re partially at fault. However, you must be 50% or less liable for it.

An SR-22 is a certificate proving you hold the minimum state-required insurance, and is required for high-risk drivers with certain violations on their record. Typically, your insurer will file the SR-22 for you for a small fee.

Here are some common reasons you would need an SR-22 in Oregon:

• You have a conviction for a DUI, driving without insurance, or another serious violation.
• You are applying for a hardship or probationary permit.
• You are reinstating your license after a suspension.

On average, Oregonians pay a little less for auto insurance than drivers in other states. In addition to bodily injury and property damage liability, Oregon requires all drivers to carry PIP and uninsured motorist coverage. Travelers, USAA, Progressive, and State Farm offer some of the lowest premiums.

To match customers with the best policies for their circumstances, AutoInsurance.com leverages millions of data points amassed over our two decades in the industry. In addition to our robust database, we gather information on state-specific laws, coverage requirements, SR-22s, and fault systems to give you an accurate sense of how much you’ll pay.