Finding cheap car insurance in Oregon is possible with a little research. While Oregon insurance rates vary depending on things like driving record and level of coverage, comparing quotes among different providers can help you secure the best rates.
Cheap Car Insurance Oregon Rates
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What is considered cheap car insurance in Oregon? Insurance rates in Oregon, and the rest of the country, are largely dependent on factors like driver age, location, make and model of vehicle, credit history, driving record, and credit history. One insurance provider may be a good option for drivers with a perfect driving history, whereas drivers with an accident on their record may find better rates with a different provider.
Car Insurance Options for Good Drivers in Oregon
Good drivers in Oregon often receive the best and cheapest car insurance rates. These are some of the best car insurance rates for good drivers in Oregon:
- State Farm: State Farm charges good drivers in Oregon an average of $1,006 per year.
- Country Insurance: Country Insurance charges good drivers in Oregon an average of $1,116 per year.
- USAA: USAA charges good drivers in Oregon an average of $1,145 per year.
- Geico: Geico charges good drivers in Oregon an average of $1,190 per year.
Drivers in Oregon with a clean driving record receive annual insurance rates under $1,200 per year.
Car Insurance Options for Drivers With an Accident on Their Records
Having an accident on your record can increase your insurance rates. These are some of the best insurance providers in Oregon for drivers with an accident on their records:
- State Farm: State Farm charges an average of $1,291 per year with a history of an accident.
- American Family: American Family charges an average of $1,530 per year with a history of an accident.
- Country Insurance: Country Insurance charges an average of $1,608 per year with a history of an accident.
- USAA: USAA charges an average of $1,711 per year with a history of an accident.
Drivers with an accident on their record in Oregon can expect to pay an average of $2,203 per year. Having numerous accidents on your record can increase this cost even more.
Car Insurance Options for Drivers With a DUI
A DUI charge can significantly increase your insurance rates in Oregon. These are a few providers to consider if you have a DUI on your record:
- State Farm: State Farm charges an average of $1,101 per year with a DUI.
- Country Insurance: Country Insurance charges an average of $1,693 per year with a DUI.
- USAA: USAA charges an average of $1,897 per year with a DUI.
- Travelers: Travelers Insurance charges an average of $1,924 per year with a DUI.
Drivers with a DUI in Oregon can expect to pay an average of $2,120 per year for insurance. Multiple DUIs on your record can increase rates even more.
Car Insurance Options for Teen Drivers
Teen drivers are less experienced, which often leads to higher insurance rates. These are a few insurance providers for teens in Oregon to consider:
- Nationwide: Nationwide charges teen drivers in Oregon an average of $1,687 per year.
- American Family: American Family charges teen drivers in Oregon an average of $2,361 per year.
- Kemper: Kemper charges teen drivers in Oregon an average of $2,593 per year.
- Mutual of Enumclaw: Mutual of Enumclaw charges teen drivers in Oregon an average of $2,712 per year.
These rates include a policy with both the parents and a teen driver. While a teen driver on their own may pay slightly less, it’s usually cheaper in total to add a teen driver to an existing policy. The average cost of insurance for a teen driver in Oregon on a combined policy in Oregon is $3,303 per year.
Car Insurance Options for Drivers With Poor Credit
Many insurance providers consider credit when calculating rates. These are a few top providers to consider for drivers in Oregon with poor credit:
- Country Insurance: Country Insurance charges drivers with poor credit an average of $1,668 per year.
- Geico: Geico charges drivers with poor credit an average of $1,784 per year.
- Oregon Mutual: Oregon Mutual charges drivers with poor credit an average of $1,872 per year.
- Travelers: Travelers Insurance charges drivers with poor credit an average of $2,286 per year.
Drivers with poor credit in Oregon can expect to pay an average of $2,567 per year. Drivers with good credit may be eligible for discounts.
Oregon Insurance Requirements
In addition to comparing insurance costs, it’s also important to consider the minimum insurance requirements in Oregon. Oregon requires all drivers to carry a minimum of:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $20,000 property damage per accident
Oregon also requires uninsured motorist coverage. This is an insurance policy that protects you in the event you’re injured or your vehicle suffers damage from a driver without insurance. The minimum requirements for this include:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $20,000 property damage per accident
Finally, Oregon also requires a minimum of $15,000 for personal injury protection (PIP) per person. This covers a minimum amount of damages for yourself, regardless of who’s at fault for an accident. PIP also covers things like lost wages, funeral costs, and child care costs if you experience injuries in an accident.
Additional Insurance To Consider in Oregon
Oregon law doesn’t require comprehensive or collision insurance. However, it may be a requirement if you have an auto loan. Comprehensive insurance covers damages to your vehicle due to theft, vandalism, or weather-related conditions. Collision insurance covers damages to your vehicle, whether you’re at fault or not. A policy that includes both comprehensive and collision coverage is known as full coverage.
A full-coverage policy covers the total cost of damages up to the value of the vehicle, whereas minimum coverage only covers damage or injury caused by the policyholder; it does not cover any damage to the policyholder’s vehicle. If you drive a vehicle with a higher value, it may be worth it to consider full coverage.
Finding cheap car insurance in Oregon is possible by comparing quotes and providers. Drivers who maintain a good driving record and credit score are also more likely to receive cheaper rates.
At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.
