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 is usually cheaper than standard car insurance since it doesn’t cover a Oregon driver’s vehicle. The cost varies depending on factors such as driving record, age, years of driving experience and location.
Carinsurance.com Insights
- 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.
One common scenario where non-owner car insurance comes into play is when individuals frequently rent cars for personal or business use. Instead of purchasing insurance through the rental car company, which can be expensive, non-owner car insurance can provide similar coverage at a more affordable cost.
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
Oregon drivers can expect to pay an average of $37 per month or $441 annually for non-owner car insurance with a coverage limit of 25/50/20.
Your rates may differ based on your driving record, age, location and the insurance company you choose.
Cheapest non-owner car insurance companies in Oregon
Oregon Mutual Insurance offers the cheapest non-owner car insurance rates in Oregon at an average cost of $2 per month, based on CarInsurance.com’s analysis. Other than Oregon Mutual Insurance, State Farm and Country Financial also have cheap non-owner insurance premiums.
Non-owner auto insurance rates can differ depending on your driving history, ZIP code and coverage requirements. You should compare quotes from multiple insurers to find the best rate for your needs.
See the cheapest companies for non-owner car insurance in Oregon in the table below.
| 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 |
Non-owner car insurance in Oregon, by age and gender
Non-owner car insurance costs in Oregon can vary by age and gender. When you add a male teen driver to your car insurance, your premiums could go up by $898 a month, while adding a 16-year-old female might increase your monthly cost by $829.
Young drivers, both male and female, typically pay higher insurance rates. Inexperienced drivers are more likely to be involved in accidents, which increases the risk for insurance companies. As drivers age, they gain more experience behind the wheel and thus pay lower rates compared to teen drivers 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.
The table below shows how much you’ll pay for non-owner car insurance based on your city.
| 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
A Oregon driver aged 40 living in ZIP code 97834 pays $366 annually or $31 monthly for non-owner car insurance, while a 40-year-old in ZIP code 97814 with a clean driving record pays $367 per year or $31 per month.
When should you consider buying non-owner car insurance in Oregon?
Non-owner car insurance is designed for individuals who do not own a vehicle but still need coverage for the times they drive a car that is not their own. This type of insurance typically provides liability coverage, which means it will cover any damages or injuries that you may cause to others while driving someone else’s vehicle.
Non-owner car insurance provides coverage for accidents and can serve as an additional layer of protection that complements the car owner’s current policy. It reassures the car owner that they won’t have to worry about their insurance rates going up due to an accident caused by another driver.
For example, if you’re driving a friend’s vehicle with only basic liability coverage, your non-owner insurance can help cover the extra costs if the damages exceed their policy’s coverage limits.
Keeping continuous insurance coverage is key to securing lower rates in the future. This includes having non-owner car insurance when you don’t own a vehicle. Insurance companies often see gaps in coverage as a sign of high risk, which could lead to higher premiums.
Maintaining non-owner car insurance during this time proves your commitment to continuous coverage, helping to keep your insurance rates more affordable in the long run.
Final thoughts on non-owner car insurance in Oregon
Non-owner car insurance in Oregon is ideal for those who rent or borrow vehicles, use car-sharing services or are required 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.
Non-owner car insurance is a smart way to maintain continuous coverage, helping you secure lower rates in the future. If you drive cars that aren’t your own regularly, be sure to get quotes from different companies to find the best rate.
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. USAA also made it to the list, but it provides services only to current and former military members and their families.
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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