Oregon Car Insurance

What You Should Know About Buying Oregon Car Insurance

Find the right car insurance policy for you.

Most of the population in Oregon is concentrated along the Willamette Valley. This includes Portland, the largest city, and Salem, the capital city. No matter where you call home in Oregon, chances are you want to save money on your car insurance. Saving is easy when you call an independent agent.

Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.

Oregon Car Insurance Costs

  • National average cost per year: $1,474
  • Oregon average cost per year: $1,333
  • 35th most expensive premiums in the US

The most recent information available as of 2017 shows that the Oregon average premium costs are $1,333, which is a little lower than the national average. These figures will help you start to plan your budget for auto insurance, but to get an accurate idea of what you’ll be spending you need to collect quotes from reputable insurers. You can make that process very simple by contacting an independent Trusted Choice member agent, who can produce several quotes for you to compare after just one phone call.

Oregon Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal Injury Protection (PIP): required
  • Uninsured motorist: required
    • Mandatory when Uninsured Motorist liability limit is greater than required Financial Responsibility.
  • Minimum liability limits: 25/50/20
    • Coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $20,000 coverage for property damage.

Oregon state law requires residents to purchase a fairly broad range of liability coverage. Failure to comply with these regulations can result in the loss of a license or vehicle registration.

Oregon Uninsured Motorists Data

  • National uninsured motorists: 12.6%
  • Oregon uninsured motorists: 9.0%
  • Oregon average vehicle repair cost: $2,183

Despite fairly mild penalties compared with some other states, Oregon enjoys a lower than average percentage of uninsured motorists.

Uninsured motorist coverage is required in the state, and it can help protect you from damages caused by an uninsured driver. Neglecting to purchase a minimum policy does not let the at-fault driver off the hook for any damages they cause, but it can be exceedingly difficult to collect for damages from these delinquent drivers. With uninsured motorist coverage, your insurance company will compensate you for damages, and can then turn around and pursue the at-fault driver.

Thefts in Oregon

  • National car theft rate (per 1,000 registered vehicles): 2.94
  • Oregon car theft rate (per 1,000 registered vehicles): 2.97

Oregon’s car theft rate is very close to the national average, so you should consider the risk of your car being stolen. Portland ranked 59 on the Insurance Crime Bureau’s top 100 cities with high rates of stolen vehicles.

A comprehensive auto policy can help protect vehicle owners from large financial losses due to car theft. Make sure you understand the details of the policy you purchase. Check the theft portion to see how much is covered, and what deductible you’ll pay if a thief takes your car.

Do You Need Oregon Car Insurance?

If you need a new policy, or if you just want to see if your old insurer is still competitive, contact an independent agent in the Trusted Choice network. This independent professional can help you compare Oregon auto insurance quotes to find the best deal.

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn