You'll find Oregon's cheapest state car insurance rates along the Interstate 5 in the southern part of the state, and the most expensive in Portland's eastern suburbs. You can see how rates from six national insurance companies compare in every ZIP code in the map below.
Oregon state law requires the following minimum car insurance coverage:
Minimum bodily injury liability
Minimum property damage liability
Uninsured/underinsured motorist bodily injury
Personal injury protection
Oregon Car Insurance Rates by ZIP Code & City
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CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2014 Honda Accord for every ZIP code in the United States. We calculated rates using data for six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm).
Averages are based on insurance for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.
What you need to know about car insurance in Oregon
Penny Gusner CarInsurance.com Consumer Analyst
Oregon Car Insurance Laws
While not considered a no-fault state, Oregon requires motorists to purchase $15,000 of personal injury protection (PIP) as part of an Oregon auto insurance policy. Regardless of who was at fault in an auto accident, PIP takes care of (up to your limits):
Reasonable medical expenses
Loss of earnings of up to 70 percent of your wages, up to $3,000 a month for 52 weeks (beginning on day 14 of your disability)
Help with household tasks of up to $20 a day for up to 52 weeks (beginning on the 14th day of your disability)
Funeral expenses of up to $5,000
Besides PIP, an Oregon car insurance policy must also contain liability insurance: bodily injury liability of at least $25,000 per person and $50,000 per accident and $20,000 for property damage liability.
Uninsured motorist and underinsured motorist are both required as well. They help pay medical expenses arising out of injuries received in an auto accident where the at-fault driver was either without insurance or without adequate insurance coverage.
Pay-as-you-drive (PAYD) plans: Oregon not only has approved PAYD auto insurance plans, but encourages car insurance companies to offer such programs by offering tax credits for insurance companies that have a mile-based or time-based rating plan – since they reward people who drive less and thus reduce greenhouse gases, fuel consumption and of course accidents.
After an accident: You must file an accident and insurance report within 72 hours of an accident if it meets certain criteria. There are also certain rules to follow in Oregon if you hit an unattended vehicle or animal. If you hit an unoccupied vehicle and cannot find the owner, you must leave a note with contact information including your name and address. If you hit and injure an animal, you must stop and give reasonable attention to the animal depending on traffic hazards and the animal’s behavior, moving the animal from the road if possible. You must report the injuries to the animal’s owner or the police.
Uninsured motorist penalties for Oregon: You may be fined $130 to $1,000, your license and registration may be suspended, your car may be impounded and you may be required to file an SR-22 form.
No grace period: Any vehicle on Oregon roads needs to be currently insured, according to Oregon law. There is no grace period after buying a new vehicle when you're allowed to be on the roads without insurance.
Electronic proof of insurance: Oregon allows drivers to show proof of insurance during a traffic stop on a smartphone. It is one of 31 states that does so.