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Insurance In Oregon

Oregon is a state that has it all, from large cities to rural areas to beaches to mountains. It’s a diverse state with an artsy feel. Oregon is also unique in that it is one of just two states (New Jersey is the other) that prohibits drivers from pumping their own gas at gas stations. 

While you don’t need to pump your own gas in Oregon, you do need to get insurance for your vehicle. When it comes to finding insurance, though, locking in the best price possible can be a challenge. 

Researching car insurance can take a lot of time. The good news is that CheapInsurance can help you compare car insurance providers throughout the state.

Quick Oregon Car Insurance Facts

  • Oregon has a minimum coverage requirement known as the 25/50/20 rule.
  • Full car insurance coverage in the state costs an average of $1,346 per year. 
  • Minimum liability in the state costs an average of $610 per year.
  • The rate of uninsured drivers in Oregon is 12.7%.
  • Oregon is a fault state.

Minimum Oregon Car Insurance Coverage

The Oregon Driver & Motor Vehicle Services website has up-to-date information about car insurance requirements in the state. Drivers in Oregon must carry at least the following auto insurance coverages:

  • Property damage: $20,000 per incident
  • Bodily injury/death: $25,000 per person and $50,000 per incident

Getting Cheap Car Insurance In Oregon

Looking to save money on car insurance? Here are some ways to get cheap car insurance in Oregon:

  1. Compare car insurance providers. There are many comparison sites like  CheapInsurance that can help you get quotes from multiple companies based on the information you provide.
  2. Only get the coverage you need. If your car is older and you don’t drive it often, then you may not need full coverage. Talk to your agent about getting just the minimum coverage.
  3. Bundle your insurance. Many auto insurance companies provide homeowners insurance, renters insurance, and life insurance as well. If you are considering these coverages, use the same insurance company and save money.

Oregon Car Insurance Discounts

Car insurance coverage is required in Oregon, but it can be costly. Here are some discounts to discuss with your agent: 

  • Good Driver: You can save up to 30% if you have had no moving violations or accidents within the past three years. 
  • Good Student: Full-time students under the age of 25 who have at least a B average can save up to 20%.
  • Defensive Driving: If you are at least 55 years old and have completed a Motor Vehicle Accident Prevention Course, you may be eligible for a discount.
  • Vehicle Safety: If you own a newer vehicle with airbags, anti-lock brakes, and other safety features, you could receive a discount.
Get the insurance you deserve by talking with a broker today.


What is the average car insurance cost in Oregon?

Full coverage in Oregon costs around $1,346 per year.

How much is car insurance per month in Oregon?

Car insurance costs roughly $112 per month.

What is the average car insurance cost in Oregon?

If you are caught driving without insurance in Oregon, your license and registration will be suspended. You will have to pay up to $1,000 in fines as well as reinstatement fees.

What is the average car insurance cost in Oregon?

Oregon is known as one of the safest states to drive in, as the motorists tend to drive slower than average. However, driving (and parking) in the larger cities and downtown areas can be a bit more challenging. Approximately 12.7% of drivers are uninsured, which is right around the national average.

How can I save money on my car insurance policy in Oregon?

Here are a few ways to save money on your policy: 

  • If you have multiple vehicles, ask about multi-car discounts.  
  • Use autopay and other online features if they offer discounts.
  • Choose higher deductibles for comprehensive and collision coverage can lower your premium.

Other Types of Coverage

If you live in Oregon, you may want to consider these car insurance coverages:

  • Uninsured Motorist Coverage (UMC)/Underinsured Motorist coverage (UIM): This coverage protects you in the event you are in an accident with a motorist who is underinsured or not insured at all.
  • Medical Payments Coverage
  • Physical Damage Coverage: This typically includes collision and comprehensive coverage. Coverage pays for damages caused by collisions as well as theft, vandalism, and animals. 
  • Additional kinds of coverage 
  • Endorsements and Riders
    • Towing and road service: This pays for services related to breakdowns, such as towing, gas, flat tires, and jump-starts. 
    • Rental car reimbursement: This coverage reimburses rental car expenses when your vehicle is inoperable due to an accident.
    • Gap insurance: This coverage pays the difference between what you owe on your vehicle and what it’s worth.

Cities We Cover In Oregon

If you’re looking for cheap car insurance in Oregon, CheapInsurance has you covered. We offer coverage in these cities:

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