Oregon Car Insurance Quotes

Everything You Need to Know About Auto Insurance in Oregon

About 125 Native American tribes, including the Chinook, Tillamook, Nez Percé, and Northern Paiute, lived around the area now known as Oregon before European settlers arrived in 1579. Many countries, including Spain, Great Britain, and Russia, lay claim to the territory over time, but in 1859, Oregon became the 33rd state. It is now bordered by Washington, Idaho, California, and Nevada, and is the 10th-largest state by area with a population of over 4.2 million.

Oregonians love nature and everything that comes with it. There are many natural wonders in this state, including magnificent beaches and majestic mountains. One such wonder, Crater Lake, formed by the collapse of a mountain peak during an eruption nearly 8,000 years ago, holds the record as the deepest lake in the United States at almost 2,000 feet. Another wondrous site, the Painted Hills, appears painted with stripes of red, tan, orange, and black from ancient ashfall. Stroll the boardwalk on the Painted Cove Trail, and witness leaf and animal fossils dating back millions of years on the Leaf Hill Trail. While you are out and about visiting all these sites, keep in mind that some areas, such as Portland, see traffic congestion, especially during rush hour and in the naturally rainy weather.

From Haystack Rock at Cannon Beach to Ashland’s Shakespeare Festival or anywhere in between, wherever you go in this great state, you will need the best auto insurance in Oregon to protect you and your vehicle on the way. The expert agents at InsureOne can help you find those specific, high-quality policy options at competitive prices.

How Much Does Car Insurance Cost in Oregon?

Drivers pay about $1,927 a year for full coverage car insurance in Oregon and around $775 for the minimum liability coverage. This compares to the national average of $2,014 for a full coverage policy and $622 for minimum coverage.

These numbers mean Oregon drivers pay $87 less for full coverage and $153 more for minimum coverage than the national average. Factors contributing to Oregon’s insurance rates include weather conditions, such as rain, snow, ice, and fog, especially west of the Cascades, which all increase the risk of accidents.

What Does It Mean If Oregon Is an At-Fault or No-Fault State?

In an at-fault state, the driver deemed responsible for a crash covers the damage they have caused. Drivers in a no-fault state file claims with their own insurance for medical expenses and lost wages due to an accident, regardless of fault. Property damage is usually paid according to fault.

So does Oregon follow at-fault vs. no-fault rules? Oregon is an at-fault state, which means you are responsible for the damage you cause in an accident determined to be your fault. Your liability coverage usually takes care of this damage.

Affordable Car Insurance Rates Comparison by Cities in Oregon

How much does car insurance cost in Oregon? It depends on a number of factors, including your zip code. The chart below compares the average monthly premiums drivers pay across different Oregon cities.

City	Full Coverage Insurance	Liability Insurance Coverage
Portland	$133	$64
Salem	$119	$57
Eugene	$96	$44
Bend	$95	$40
Ashland	$99	$42
Pendleton	$96	$37
Madras	$104	$42
Medford	$97	$42
Grants Pass	$97	$41

We arrive at our average auto insurance costs by using a male driver, aged 30, with a clean driving record. Liability insurance coverage is the state-required minimum. Full coverage is a 100K/300K/100K policy. Your costs will be different and based on your individual factors.

Auto Insurance Discounts in Oregon

Insurers like to reward drivers like you for maintaining certain standards that prove you are a lower risk. In addition to bundling to help you get a lower car insurance premium, many of these insurers provide these rewards in the form of discounts.

So, if you are looking for lower rates on your car insurance in Oregon, here are some of those discounts:

• Military
• Low mileage
• No accidents
• Good student
• Claim free record
• Passing a safe driver course

Oregon Car Insurance Laws

What are the car insurance laws in Oregon? The state requires you to maintain certain auto coverage, which protects other drivers from damage you may cause in a collision by proving your financial responsibility. If you fail to show proof of this coverage when asked to do so by a police officer, you may face penalties for driving uninsured.

Oregon auto insurance laws include the “no pay, no play” law, which encourages state insurance law compliance by limiting recovery for certain damages like pain and suffering for uninsured drivers, even when they are not at fault.

What Are the Mandatory Car Insurance Requirements in Oregon?

When you register your vehicle, you must provide proof of coverage. The minimum requirements, including liability insurance in Oregon, are as follows:

Bodily injury and property damage liability

• $25,000 per person
• $50,000 per crash for bodily injury to others
• $20,000 per crash for damage to someone else’s property

Personal injury protection

• $15,000 per person

Uninsured motorist

• $25,000 per person
• $50,000 per crash for bodily injury

The Oregon Automobile Liability Insurance Reporting Program provides police officers with access to updated coverage information. This program also allows people to procure the other vehicle’s coverage information when involved in an accident.

What Is the Penalty for Driving Without Insurance in Oregon?

You may be wondering, what happens if I let my car insurance lapse? If you are caught driving without coverage, you face fines between $130 and $1,000, along with other penalties, such as a suspended license and registration. Your vehicle may also be impounded.

You may be required to obtain SR-22 insurance in Oregon, meaning your insurer must file a form on your behalf with the state for up to three years. This document certifies that you have financial responsibility through insurance.

What Factors Does Oregon Law Allow in Determining Your Premiums?

State law allows insurers to use numerous factors to determine premiums. Taking these into consideration helps personalize a plan for your unique situation. Here are some of those factors:

• Gender
• Your age
• Credit history
• Your car’s age
• Vehicle make and model
• Driving record and experience

What Happens If I Damage Property?

If you cause damage to property in Oregon, you are responsible for covering the repair costs. State liability insurance covers damages up to the policy limits, but if the damages exceed those limits, you will have to pay the difference out of your own pocket.

It is essential that you understand your policy before you need it. Call your agent with any questions, and be sure your payments are current. Read your Declarations page to confirm you have the appropriate required insurance:

• Bodily injury and property damage liability: 25/50/20
• Personal injury protection: 15
• Uninsured motorist: 25/50

If you are cruising along the rain-soaked highway on your way to Bonneville Dam or the Grotto and slide into another vehicle or any other type of property, such as a fence or a light post, here is what to do:

• Check for injuries.
• Document the accident through photos and notes.
• Obtain witness information.
• Get the other driver’s information.
• If you have crashed into non-vehicle property and cannot find the owner, leave a note with your contact information.
• Call the police.
• Call your insurer.

Oregon DMV insurance requirements may also require you to file a DMV accident & insurance report, depending on the nature of the accident. Your insurer has 45 days to complete the investigation.

How Many Crashes Occur in Oregon?

There were 534 fatal crashes in Oregon in 2023. The chart below shows the number of fatal accidents in a handful of cities across the state that same year.

City	Annual Average Number of Fatal Car Crashes
Portland	64
Salem	13
Eugene	12
Bend	7
Corvallis	1
Baker City	0
Coos Bay	4
Newport	0
Ashland	0
Pendleton	0
Madras	1
Medford	2
Grants Pass	3

Uninsured/Underinsured Motorists in Oregon

Nearly 15% of Oregon drivers are uninsured or underinsured. In 2023, the state ranked 18th among the 50 states with the most uninsured/underinsured drivers.

Auto Insurance Info by City