Auto Insurance in Oregon

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If you’re buying auto insurance in Oregon, it’s best to first familiarize yourself with the insurance requirements in the state, what you should look for in an auto insurance provider, and how you can save money. Although the price drivers pay for car insurance varies based on where they live in Oregon, the average premium cost is about $300 above the national average. It’s also important to understand the way insurance split requirements in Oregon State. In Oregon, you will need 25/50/25 coverage. This simply means that you’ll need $25,000 for bodily injury claims, $50,000 for accident coverage, and $25,000 for property damage. The next section will explore more what this insurance split will mean for you as a driver.

Oregon

Population: 3,970,239
Oregon
$1,692
US Average
$1,669

Most of Oregon’s population lives in the western half of the state, particularly in the Willamette Valley, which has eight of the 10 largest cities in the state, including Portland. While Oregon offers drivers plenty of natural beauty to enjoy, nature also presents its risks, including frequent flooding and significant amounts of snow in the central and eastern portions. Drivers should be aware that basic liability coverage is required under state law, but other more comprehensive insurance options should be explored to protect against natural disaster and other hazards if you own a car in Oregon.

Oregon Minimum Liability

Bodily Injury

$25k
per person
$50k
per accident

Property Damage

$20k
per accident

Oregon’s minimum liability requirements are $25,000 for bodily injury and $50,000 per accident. This minimum requirement is lower than the generally recommended minimum coverage of $50,000 for bodily injury and $100,000 per accident, also known as 50/100 coverage. In addition, you must have at least $25,000 in liability coverage for property damage.

In general, 100/300 coverage is considered ideal to ensure you receive sufficient financial protection. The reason Oregon’s minimum coverage could be risky is that any damage over your coverage amount comes out of your own pocket, including medical expenses or accident costs.

In 2013, the average auto liability claim for property damage was $3,231 while the average auto liability claim for bodily injury was $15,443. However, these are just averages, which means a significant number of accidents were more expensive. In fact, some accident costs can rise to tens or hundreds of thousands of dollars, so it’s possible you could be left with a large debt if you end up paying out-of-pocket.

In order to get the car insurance that works for you, shop around for quotes and rates from a variety of insurance companies. Insurance companies often treat your profile differently based on their own internal criteria, so you should be thorough and get as many quotes as possible. You can then compare the cheapest rates and the level of coverage until you find the car insurance that offers the best value for you.

Cheapest Car Insurance in Oregon

Yearly Rate

  • $1,636
    Progressive
  • $1,105
    State Farm
  • $1,655
    Allstate
  • $1,749
    Farmers
  • $2,371
    Liberty Mutual

If affordable insurance is your main goal, then these are the companies you should consider first and foremost. However, there are pros and cons to choosing a company entirely based on which is cheapest.

Of course, the most obvious benefit of cheap car insurance is the cost saving involved. However, you will probably miss out on customer service quality and quick claim reimbursement when you choose a low-cost car insurance company. Often the cheapest auto insurance companies operate on a national scale, so you’re likely to receive less personal attention and service than if you choose a local company.

Where is car insurance most affordable?

Where you live has a lot of bearing on how much you’ll pay for car insurance.

Within Oregon, car insurance rates differ substantially based on the driver’s region or city. Cities in the southwest part of the state, such as Medford and Eugene, tend to have lower insurance rates than cities in the northwest, like Portland and Gresham.

The larger cities in Oregon, such as Portland, have the most expensive auto insurance rates, but other large cities, such as Eugene, have rates below the state average.

Beaverton Auto Insurance

Population: 93,542
Beaverton
$1,661
Oregon
$1,692

Located in the northwest corner of Oregon, the sixth-largest city in Oregon has a population of 93,542. Beaverton’s known as a great place to live — it ranked in the top 100 cities in terms of standard of living by “Money Magazine” in 2010. On average, drivers in Beaverton pay car insurance premiums that are slightly less than the state average.

Bend Auto Insurance

Population: 81,236
Bend
$1,440
Oregon
$1,692

With a population of 81,236, Bend is considered the county seat of central Oregon due to the low population density of the surrounding area. The average car insurance premium in Bend is slightly more affordable than the state average. Bend is known for the magnificent natural beauty and opportunities for outdoor activity in the area, drawing locals and tourists for skiing, fishing, hiking, and white-water rafting.

Eugene Auto Insurance

Population: 159,190
Eugene
$1,352
Oregon
$1,692

Eugene, located in the western part of Oregon, it the third-largest city in Oregon, but offers a car insurance premium less than the state average. The city is known for its dedication to environmental sustainability, the University of Oregon, and a continuing focus on the arts. Eugene has plenty of bus routes and options for cyclists, but many residents also use a car.

Gresham Auto Insurance

Population: 109,397
Gresham
$1,903
Oregon
$1,692

Gresham is located just east of Portland and is the fourth-largest city in the state with a population of 109,397. The city features an average insurance premium significantly above the state average. Gresham has grown rapidly from an agricultural area to a thriving city surrounded by plenty of natural beauty.

Hillsboro Auto Insurance

Population: 97,368
Hillsboro
$1,639
Oregon
$1,692

Hillsboro is the fifth-largest city in Oregon, with a population of 97,368. The average car insurance premium cost is roughly on par with the state average. Hillsboro lies west of Portland, in the northwest corner of the state, and is known for its local wineries, high-tech industries like Intel, historical architecture, and good quality of life.

Medford Auto Insurance

Population: 77,670
Medford
$1,363
Oregon
$1,692

Medford is located in the southwest corner of Oregon, has a population of 77,670, and currently serves as the county seat of Jackson County. Medford’s average insurance premium cost is several hundred dollars below the state average. Medford hosts a thriving health-care industry but still has its root in the agricultural sector, producing grapes, pears, and peaches in abundance. Medford residents usually need a car in their day-to-day lives, but the city is well-connected, including quick access to Interstate 5.

Portland Auto Insurance

Population: 609,456
Portland
$1,805
Oregon
$1,692

Portland is the largest city in Oregon, with a population of 609,456, and is famous for its dining, culture, alternative scene, and dedication to the arts. In fact, the city’s unofficial motto is “Keep Portland Weird.” Here, car insurance premiums are higher than the state average. Portland features plenty of green space and a dedication to environmental sustainability, which makes it a highly walkable city.

Salem Auto Insurance

Population: 160,614
Salem
$1,617
Oregon
$1,692

Located in Oregon’s scenic northwest, Salem is the capital of Oregon and has a population of 90,418. Car insurance premiums average are slightly lower than the state average. The largest employer is the state government, but health care, tech, and manufacturing sectors are all strong in Salem.

Springfield Auto Insurance

Population: 60,177
Springfield
$1,353
Oregon
$1,692

Springfield’s motto is “Proud History, Bright Future,” and it has a population of 248,232, making it the second-largest city in Oregon. Residents enjoy a lower than average insurance premium in Springfield than the state average. Interestingly, Matt Groening, the creator of “The Simpsons,” says this Springfield was the inspiration for the Springfield everyone knows from the show. In most cases, residents here need a car, as public transportation options are limited.

Find the best auto insurance in your area

Start by entering your zipcode and we’ll pull our top partners so you can get quotes quick.