Oregon Car Insurance - Auto Insurance Quote in OR
Oregon has more than 122,000 miles of paved roads, many of them scenic highways through its stunning coastline, vast deserts and imposing mountains. Look to CarInsurance.com for help finding the best quality auto insurance as you motor through the state.
| Current average car insurance premium in Oregon | $1,766.67 |
| Current average car insurance premium U.S. | $1,602.16 |
| Portland | $1,518.19 |
| Eugene | $1,168.64 |
| Check out our car insurance rates in more Oregon cities | |
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The CarInsurance.com's Average Premium Trend Tool will let Oregon motorists see how rates are trending the past few months. Check it out. It will give you some insight into where average annual rates have been and are now.
The largest city in Oregon is Portland, with about 530,000 residents, according to Census figures. Portland motorists pay, on average, quite a bit more than the rest of the state.
This site can assist Oregon drivers with everything related to car insurance. We can give you policy quotes from more than a dozen of the highest-rated carriers. We can also provide information on deductibles, liability limits and possible price-dropping discounts. What does Oregon require, as a minimum, to drive in the state? Let's see.
Oregon state law requires minimum Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per accident, and Property Damage Liability coverage with a minimum limit of $20,000. This basic coverage is often referred to as 25/50/20 coverage with 25/50 UM limits.
Minimum Required Insurance Coverage in Oregon*
Bodily Injury Liability: $25,000/$50,000 Limit
*Property Damage Liability: $20,000 Limit
Uninsured/Underinsured Motorist Bodily Injury: $25,000/$50,000 Limit
Personal Injury Protection: $15,000 Limit
*Effective Jan. 1, 2010
The state of Oregon follows a Tort system, meaning someone must be found to be at fault for causing the accident, and that person and their insurance company is responsible for all the damages. You should be aware that the details of a tort system vary from state to state.
Personal Injury Protection (PIP) helps pay for "reasonable and necessary" medical expenses for you and your passengers. Oregon state law requires a minimum Personal Injury Protection coverage of $15,000.
To help protect against damages caused to you and your passengers by an uninsured driver, Oregon state law requires a minimum Uninsured/Underinsured Motorist coverage of $25,000 per person up to a total of $50,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver.
How do you meet these requirements? Start by looking at CarInsurance.com Minimum State Required package on the coverage page. Of course, you can change deductibles, limits and other policy features, depending on your individual situation. Oregon-licensed insurance agents can guide you through the process.
Buying an insurance policy can seem complicated because there are several factors that can affect the cost. They include your gender, driving record, the age of your vehicle and other factors. CarInsurance.com, and its affiliate insurance companies, will try to make it as simple as possible.
Expect to pay more for your car insurance if you own one of Oregon’s most-stolen vehicles:
