Oregon Car Insurance FAQ - Quick Answers

In Oregon, the annual average cost of car insurance is $1,211, coming in under the national figure of $1,311 per year. When you're searching for exact rates on auto coverage, you'll need to obtain customized quotes from an agent.

Every Oregon car insurance policy will come with custom coverages, but the most commonly selected are as follows:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Person injury protection: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.
  • Comprehensive: Pays for damage from a non-collision event, such as a hail storm.
  • Collision: Pays for damage from a collision with another vehicle, animal, or property.

In Oregon, you will have to meet the minimum limits of car insurance coverage as follows:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $20,000 in property damage liability
  • Uninsured motorist liability 
  • Personal injury protection

Yes. In order to register your vehicle in Oregon, you must provide proof of insurance at the minimum limits set by the state.

Searching for a good insurance company in Oregon can be difficult, because there are so many to choose from. In Oregon, Progressive, Nationwide, and Stillwater insurance companies come highly recommended. These carriers are considered among the best because of their excellent claims service and coverage options.

Some Oregon carriers will allow what's called an SR-22, allows a non-licensed driver to get insurance for a vehicle. This is often in the case for a revoked license where it is still necessary to provide proof to the state. 

Do You Know What Your Car Insurance Covers in Oregon?

Find the Best Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto theft rate / 1,000Annual insurance cost
Albany20.81.76$1,165
Beaverton25.22.02$1,244
Bend16.11.05$944
Corvallis16.81.2$998
Eugene18.63.5$1,185
Grants Pass14.93.28$1,279
Gresham29.99.42$1,294
Hillsboro23.81.9$1,208
Keizer22.41.55$1,228
Lake Oswego24.91.15$1,093
Medford16.54.34$1,199
Portland26.59.71$1,581
Salem22.94.79$1,411
Springfield212.66$1,173
Tigard24.92.07$1,201