Looking for Cheap Car Insurance in Oregon?
In terms of car insurance, Oregon is not a no-fault state. That being said, drivers must still purchase a certain amount of no-fault coverage. Low population density, coupled with high minimum insurance requirements makes the cost of car insurance in Oregon fairly average – at least when compared to the rest of the country.
When calculating your car insurance rate, insurance companies take into account many factors. The premiums you pay for your insurance depend on where you live and many other factors, so the more you compare prices, the more likely you are to save money. Whether you live in Silverton, Bend, or Klamath Falls, insurance companies consider a variety of factors when setting your premium.
However, shopping around for car insurance can be a real drag. You go from company to company, call to call. It takes hours out of your day and still leaves you wondering if you got the best deal. Carlay changes all that - in just a few minutes, you'll be saving money on your car insurance.
This independent app can help you compare over 50 providers for hundreds of different plans and save time, money, and frustration with easy application and cancellation processes.
But don't just take our word for it. See what Carlay customers have to say:
How Much Does Car Insurance Cost in Oregon?
Car insurance in Oregon averages $2,084 per year. Full coverage insurance is the most expensive type of car insurance at $3,455.
Full-coverage car insurance costs an average of $2,485 per year. Liability coverage is cheaper and requires a lower annual cost of $1,783 per year.
What contributes to the insurance rates in Oregon?
Car insurance can be affected by a number of factors:
- High minimum insurance requirements
Oregon has some of the highest minimum insurance requirements in the country. This can make Oregon car insurance rates on the higher end of the spectrum.
- Severe weather
Oregonians love their state's mountains, beaches, valleys, and dense forests. But with the ever-present risk of forest fires and flooding, you want to make sure your car is ready for anything.
- Uninsured drivers
Oregon drivers are in the middle of the pack when it comes to being uninsured, but there's still a chance you'll encounter one on the road — and as we all know, accidents happen. So don't get caught off guard by bare-bones coverage on your own car policy. Make sure you have enough coverage for the worst-case scenario.
Here's how much you can save on homeowners insurance by working with Carlay Insurance in Oregon:
|All Coverage Before Carlay||All Coverage After Carlay||Minimum Coverage Before Carlay||Minimum Coverage After Carlay||Full Coverage Before Carlay||Full Coverage After Carlay|
|All Coverage Before Carlay||$2,101||$2,489|
|All Coverage After Carlay||$1,376||$1,671|
|Minimum Coverage Before Carlay||$1,797||$2,360|
|Minimum Coverage After Carlay||$1,095||$1,390|
|Full Coverage Before Carlay||$2,089||$2,761|
|Full Coverage After Carlay||$1,188||$1,963|
Top auto insurance providers in Oregon
Oregon has a robust insurance market with many reputable providers. These include household names like USAA, GEICO, and Travelers.
Though there are many car-insurance options from which you can choose, none of them is the automatic best choice. Each provider has its own way of determining how much to charge customers, so you'll end up with different rates from each one, even if you have the same coverage.
Factors that come into play when you get a car insurance quote include your age, your driving record—including tickets and accidents—where you live, and what kind of car you drive. If you own an Infiniti SUV, your insurance premiums are likely to be higher than if you owned a Ford, simply because the Infiniti is more expensive to repair.
Carlay customers have found some great deals with popular Oregon-based insurers. Check them out:
What Car Insurance Do You Need in Oregon?
To drive a car in Oregon, you need to carry insurance. The state requires that you have at least the following coverage:
|Bodily injury liability||$25,000 per person / $50,000 per accident||Covers the costs associated with injuries you cause to others|
|Property damage liability||$20,000 per accident||Covers the costs associated with damage you cause to other people's vehicles or property|
|Uninsured motorist coverage||$25,000 per person / $50,000 per accident||Reimburses you for your expenses from an accident caused by an uninsured driver|
|Personal injury protection||$15,000 per person||Covers medical expenses, lost wages, and rehabilitation costs after an accident|
Here's an idea: before you get behind the wheel, you should make sure that you are adequately covered by a valid auto insurance policy:
- Fines of up to $1,000
- Suspension of license and registration + reinstatement fee of $75
- Possible vehicle impoundment
- SR-22 requirement for 2 years
- Financial liability in the event of an accident
Standard insurance policies will protect you from some unusual circumstances, but in order to ensure the facts are covered, consider these additional options:
|Collision insurance||Covers damages that are the result of a collision with a vehicle or stationary object|
|Comprehensive insurance||Covers damages that aren't the result of a collision, such as vandalism, theft, or a natural disaster|
|Rental reimbursement||Reimburses you for your rental car expenses while your car is being repaired after a claimable accident|
If you're looking for an insurance policy to help you with your expenses, Carlay can help. Carlay is a comparison shopping app and licensed insurance broker that creates a quote in moments! With Carlay, you can compare quotes from top companies like State Farm and Safeco to create a comprehensive plan that suits your needs. All you have to do is pick one, and Carlay will handle all the paperwork for your new policy.
Now that you have figured out the type of insurance you need, let's look at what factors can affect the price.
How is Your Cost of Car Insurance Determined in Oregon?
To give you an idea of how much you'll be paying for car insurance, here are a few factors to consider: your age, your driving history, where you live, and what type of car you drive.
- Cost to insure your car in Oregon by age
Insurance companies favor drivers with lots of experience. Because young people tend to have less driving experience, insurance premiums for them will be higher than for older people who have been driving for decades. Oregon statistics show that 15- to 20-year-olds who haven't taken a driving education course are responsible for 91% of all teen driver crashes. Distracted driving, speeding, and lack of seatbelt use are among the common issues.
What young drivers in Oregon need to know
- Oregon's graduated licensing laws help teenage drivers practice driving in an environment that is more closely
approximated to a real-life situation.
- Completing an approved defensive driving course can lower your insurance rates for young drivers.
- If you want to get a good student discount on your car insurance, keeping a good average can certainly help.
You might be disappointed to hear that young drivers often pay more for car insurance than older drivers. But by
doing some research while shopping
around and maintaining a clean
driving record, you're sure to find a policy that works for your budget, too.
People of every age can save money on car insurance by doing comparison shopping with Carlay. The following are the average rates for drivers of different ages:
|Age Group||Average Cost||Annual Savings with Carlay|
- Cost to insure your car in Oregon with a poor driving record
Your driving record says a lot about you. If yours has accidents, speeding tickets, or serious offenses like DUIs, your Oregon car insurance rates will be higher than average for a few years. However, just because your rates are a little high doesn't mean you can't lower them yourself by shopping around and comparing quotes from multiple companies. You might even snag an even better rate with a few discounts.
Carlay can help you find low-cost car insurance just about anywhere in Oregon., regardless of any driving violations you might have on your record.
Let's take a look at the savings that Carlay customers with poor driving records have found:
|Driving Violation||Average Cost||Annual Savings with Carlay|
|Driving on Sus. License||$4,159||$1,718|
|Speeding over 15||$2,774||$932|
|Speeding under 15||$3,625||$840|
|Wrong Way/Wrong Lane||$2,400||$592|
|Failure to Obey Traffic Sign||$3,051||$536|
- Cost to insure your car in Oregon based on where you live
Oregon has about 4.2 million people, and although it is a popular destination for new home buyers, there are not many people per square mile. As a result, insurance rates remain affordable. However, your zip code does matter when it comes to insurance companies.
If you live in any of these cities in Oregon, you are likely to pay less for car insurance than most other people in the state. If you live in an urban area like Portland, where the population density is over 4,700 people per square mile, and feel the increased rate of traffic jams, you may pay more than those who live in rural areas. That's because cities experience greater rates of accidents, thefts, and claims.
This is the list of the most affordable cities for car insurance in Oregon:
|City||Average Cost||Annual Savings with Carlay|
- Cost to insure your car in Oregon based on the type of car you drive
After you've given your insurer information about yourself and the car you drive, it will consider the type of car you've chosen when setting your premium. It's not a hard-and-fast rule, but cars that cost less to repair or replace after an accident usually have lower insurance rates.
Owning a relatively inexpensive car like a Ford Focus or Nissan Murano will likely lower your insurance rates. If you drive a more expensive car, like a BMW 3-series or Audi Q5, you'll probably pay more by comparison.
Here's how much it costs to insure some of current most in-demand makes and models with and without Carlay:
How to Save Money On Car Insurance in Oregon?
You may be able to save money on your insurance by following a few simple steps. Let's walk you through the process of keeping your rates low and make sure you get the best deal.
- Shop around for quotes
It's a good idea to compare your options if you're looking for a low car insurance rate—call around, check websites and look into discounts. But be prepared to wade through necessary paperwork and telemarketing calls to get that great rate you're looking for.
Carlay is an app that helps you compare car insurance quotes from top companies. Carlay is the smartest, easiest, and fastest way to get a car insurance policy. Just sign up and answer some simple questions. Carlay will compile competitive quotes for you and help you finalize the details of your new policy once you're ready to make your decision.
- Look for discounts
You're probably looking to save a ton of money on your car insurance so that you have more money for the good things in life. Well, you're in luck because here's the rundown on a few discounts that are easy to get!
While there are many options available to drivers in Oregon, the following have proved most popular:
|Discount type||Who is eligible?|
|Driver training discount||Young drivers who have successfully completed a state-approved driver training course may be eligible for a discounted premium.|
|Mature driver discount||Drivers over the age of 55 who have completed an approved defensive driving course within the last three years receive lower car insurance rates.|
|Multi-policy discount||If you insure multiple products with the same insurance company, you'll often receive up to 12% off each one.|
|Anti-theft discount||Anti-theft discount: equipping your vehicle with an approved anti-theft device makes it less risky to insure and can lower your rates.|
- Increase your deductible
You can get lower annual car insurance rates by raising your deductible. But it's not always a responsible decision. Deductibles are like money in the cushion of your couch. You don't want to pay these things out of pocket if you don't have to. Be smart about how high you raise them. Make sure your new deductible is something you can live with financially.
Registering Your Car in Oregon
To register a car in Oregon, one must bring the following to the DMV:
- Valid driver's license or ID card
- Proof of insurance
- Proof of sales tax payment
- Car title or signed lease agreement
- Emissions testing certificate, if applicable
- Safety inspection certificate, if applicable
Oregon drivers must renew their vehicle registrations annually.