Non-owner car insurance is designed for individuals who often drive vehicles they don’t own. It provides liability coverage, which pays for property damage or bodily injuries you cause while driving someone else’s car. It offers financial protection and peace of mind, helping you avoid substantial, unexpected expenses should an accident occur.
Non-owner car insurance generally costs less than standard car insurance because it doesn’t cover the vehicle you’re driving. However, insurance rates vary based on your age, driving history and location.
- Non-owner car insurance costs an average of $37 a month in Oregon for the coverage limit of 25/50/20.
- The non-owner car insurance rate is $441 per year—lower than liability-only coverage of $710 for Oregon drivers.
- Oregon Mutual Insurance offers the cheapest non-owner car insurance rates in Oregon at an average cost of $2 per month.
Do I need non-owner car insurance in Oregon?
Non-owner car insurance in Oregon is important for renting or borrowing cars. It helps cover costs if you’re at fault in an accident while driving a car you don’t own, so you’re not stuck paying for damages out of pocket. Also, it can work alongside the car owner’s insurance to offer additional coverage.
Non-owner car insurance is ideal for those who occasionally rent or borrow cars for personal or business purposes. Rather than opting for the expensive insurance offered by rental companies, you can get non-owner car insurance that offers similar coverage at a more affordable price.
Additionally, keeping continuous insurance coverage, such as non-owner insurance when you’re between vehicles, can help keep your insurance premiums lower in the future. It offers coverage if you’re involved in an accident and deemed at fault. However, it does not cover the vehicle you are driving.
Average non-owner car insurance cost in Oregon
Non-owner car insurance costs $37 a month or $441 per year in Oregon for coverage limits of 25/50/20.
This rate can vary depending on factors such as your driving history, age, location and the insurance company.
Cheapest non-owner car insurance companies in Oregon
CarInsurance.com’s analysis shows that Oregon Mutual Insurance offers the most affordable non-owner car insurance rates in Oregon, at $2 per month. Other insurers like State Farm and Country Financial also offer affordable premiums.
Your non-owner auto insurance rate may vary based on your driving history, ZIP code and coverage limits. Comparing quotes from multiple insurers can help you find the best insurance policy at affordable rates.
The table below highlights the cheapest non-owner car insurance companies in Oregon.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Oregon Mutual Insurance | $27 | $2 |
| State Farm | $286 | $24 |
| Country Financial | $318 | $27 |
| Travelers | $389 | $32 |
| Progressive | $643 | $54 |
| Geico | $683 | $57 |
| Farmers | $746 | $62 |
| Nationwide | $805 | $67 |
| USAA* | $211 | $18 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in Oregon, by age and gender
Non-owner car insurance costs in Oregon vary by age and gender. If you add a male teen driver to your car insurance, expect to pay an average of $898 monthly, whereas if you add a 16-year-old female, you’ll pay $829 per month, based on CarInsurance.com’s analysis.
Young drivers, regardless of gender, generally face higher insurance premiums. Their lack of experience makes them more prone to accidents, raising the risk for insurers. As drivers get older and gain more driving experience, their insurance rates typically decrease in Oregon.
The table below shows how non-owner car insurance rates vary by age and gender in Oregon.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $784 | $762 |
| Young Adults (20-24) | $563 | $572 |
| Adults (25-60) | $427 | $454 |
| Seniors (65-75) | $451 | $460 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Oregon cities
Non-owner auto insurance cost in Bend is $36 a month or $432 a year, whereas drivers in Medford pay $37 a month for the same coverage.
Car insurance premiums in Oregon vary by city, with insurers adjusting non-owner car insurance rates based on factors such as the frequency of accidents, theft and vandalism in the area.
The cost of living also determines the premiums. In areas with higher costs of living in Oregon, you can expect to pay more for non-owner insurance.
See how much you’ll pay for non-owner car insurance in your city in the table below.
| City | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Bend | $432 | $36 |
| Medford | $444 | $37 |
| Corvallis | $454 | $38 |
| Eugene | $458 | $38 |
| Portland | $459 | $38 |
| Springfield | $477 | $40 |
| Gresham | $483 | $40 |
| Beaverton | $484 | $40 |
| Hillsboro | $485 | $40 |
| Salem | $494 | $41 |
Affordable non-owner insurance in Oregon, by ZIP code
In Oregon, a 40-year-old driver living in ZIP code 97834 pays $366 a year or $31 per month for non-owner insurance, while the coverage costs $367 a year or $31 per month for a driver in ZIP code 97814 with a clean driving record.
When should you consider buying non-owner car insurance in Oregon?
Non-owner car insurance provides coverage for drivers who don’t own a car but still need insurance while driving someone else’s vehicle. This insurance primarily covers liability, helping you pay for any damages or injuries you may cause to others in the event of an accident.
Aside from providing coverage for accidents, non-owner car insurance can also supplement any existing coverage the car owner may have. It can offer peace of mind to the car owner, as they will not have to worry about their own insurance rates increasing due to an accident caused by someone else.
For example, if you are driving a friend’s car and they only have minimum liability coverage, your non-owner insurance can help cover any additional expenses if the accident exceeds their policy limits.
Maintaining continuous coverage is essential to help keep your insurance rates low in the future. Non-owner car insurance is an excellent option if you don’t own a car. Insurance companies may view lapses in coverage as risky, which can lead to higher premiums.
Having non-owner car insurance during these gaps demonstrates your commitment to continuous coverage, which can help you maintain lower rates moving forward.
Final thoughts on non-owner car insurance in Oregon
Non-owner car insurance is a good option in Oregon to get auto insurance liability coverage if you rent or borrow vehicles occasionally, use a car-sharing service or need to file an SR-22 form.
Non-owner car insurance is a valuable type of coverage for individuals who frequently rent or borrow vehicles. It provides liability protection while driving someone else’s car and can supplement any existing coverage the car owner may have.
By maintaining continuous coverage with a non-owner car insurance policy, you can keep your rates lower in the future. If you regularly use rented or borrowed vehicles, get quotes from multiple insurance companies to ensure you get the best deal.
Resources & Methodology
Methodology
CarInsurance.com gathered data on non-owner car insurance rates from Quadrant Information Services. The rates are for non-owner state minimum liability only and the coverage limit varies by state.
To determine non-owner car insurance rates for different companies, CarInsurance.com used a sample profile of a 40-year-old male and female driver who owns a Honda Accord LX with no traffic violations on his record. We compared 53,409,632 insurance quotes across 34,588 ZIP codes from 170 insurance companies in the U.S.
Insurance company: Based on the analysis, we have created lists of the companies that offer non-owner insurance.
Age group: Non-owner car insurance rates are calculated by evaluating the sample profile for different age groups.
- Teens: Age 16-19
- Young adults: Age 20-24
- Adult drivers: Age 25-60
- Senior drivers: Age 65-75
To get non-owner car insurance rates for different cities and age groups we have compared 53,409,632 car insurance quotes across 34,588 ZIP codes from 75 company groups nationwide. These are sample rates and should only be used for comparison purposes.
These are sample rates and should only be used for comparison purposes.
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