Best Oregon Car Insurance Quotes – Cheap Car Insurance in the Beaver State
Getting the cheapest auto insurance can be a tricky process for Oregon drivers. Car insurance rates in Oregon are known to be higher than in other states, and the minimum coverage that is required is somewhat high. This is why we at Insurance Geek made it our mission to find cheap car insurance for every one of our clients!
There are over 2.7 million licensed drivers in Oregon, meaning that a good bit of people are out on the roads at any given time. Here at Insurance Geek, it’s important to us they are covered and that you’re safe – we want you to be able to get an Oregon auto insurance policy that will help you and your entire family feel protected.
Let’s talk a little more about the state minimum requirements in Oregon, how you can shop for car insurance in Oregon with Insurance Geek, and how to calculate the insurance rates.
Oregon Car Insurance Minimum Required Coverage
Below, you will find the state’s minimum coverage in Oregon, and we will go into how much protection you may get from all the different parts of your policy.
Every state requires some type of minimum auto insurance coverage, typically including bodily injury liability coverage as well as liability coverage in case of property damage.
Get to know the state minimum insurance requirements for Oregon here:
Liability for bodily injury – $25,000 a person, $50,000 per accident
If you injure someone else while you’re driving your vehicle, including a pedestrian, bodily injury protection can help you. We all know how expensive medical bills can get in the US. You want to make sure to have enough coverage here to help you in case you seriously injure someone, and they require significant medical treatment.
Liability for property damage – $15,000 per accident
When you get into some type of collision, there’s also a good chance you could damage someone else’s property significantly. Totaling someone’s car can also come with significant expense if you aren’t prepared with the right type of Oregon auto protection.
Uninsured and underinsured – $25,000 per person, $50,000 per accident
Uninsured and underinsured insurance coverage is not one of the optional coverages in Oregon as it is in some other states. Oregon drivers are obliged to have uninsured coverage, which protects you as a driver if you are a victim of a hit and run or strike a pedestrian. Suppose someone without insurance or with not enough insurance happens to hit you or your vehicle. In that case, this type of coverage is there to protect you, which is why many insurance companies offer it as a standard.
How Much Will I Pay for Auto Insurance in Oregon?
The average insurance rates of car insurance for the average driver in Oregon can range from around $1350 to more than $1550 per year in the state of Oregon, which is more expensive than the national average annual premium.
Aside from being more expensive than the national average, car insurance price in the Beaver state depends on many interlinked factors. These vary from the type of vehicles you drive to the insurance company you choose.
With your convenience in mind, we have all the information about the other factors that affect the cost compiled here:
Age Groups
The young drivers’ category encompasses teen drivers, inexperienced drivers, and drivers who have recently obtained their licenses.
Oregon drivers that fall into this category will have higher average rates than other Oregon drivers because they are considered high-risk drivers, more prone to causing an at-fault crash.
Driving Records
Having a clean driving record without speeding tickets or an at-fault crash citation can result in better and more affordable insurance rates. Your driving history matters to insurance companies, and your full coverage price will be significantly lower if your driving record is clean!
Credit Score
Aside from a clean driving record, coverage rates are affected by your credit history. Although your credit history isn’t the single most important factor, having poor credit will result in higher premiums while having a good credit score will result in premium reductions.
But don’t let poor credit discourage you from looking for the cheapest car insurance available! If you compare the quotes with our calculator, you’ll certainly be able to find the cheapest minimum or full coverage that you need.
Location
If you live in a metro area or place with a higher population density, you may pay a little more or have a higher deductible because the more people are on the road near you, the higher your likelihood of some type of accident could possibly be.
Our clients from Oregon come from all over the state, including:
- Portland
- Eugene
- Salem
- Hillsboro
- Gresham
- Bend
- West Inn
- Beaverton
Don’t hesitate to use our free quote calculator to compare quotes!
Car Insurance Company
Car insurance companies are eager to provide coverage and affordable rates to their clients. The cheapest car insurance in Oregon can be easily tracked down, and you can use our free quote engine tool on this page to fill out a form and calculate the available quotes from over 20 different largest insurance companies.
Vehicle
Insurance in Oregon is also affected by your vehicle, one of the most important rating factors. The make, the model, and even the color of your vehicle are taken into account when you are looking to calculate your car insurance policy premium.
Discounts
Your local agent at Insurance Geek can help you approach discounts from different angles to save money and get the cheapest auto insurance available.
There is always a possibility of getting lower insurance rates; safe drivers and drivers with an anti-theft device installed in their vehicles are bound to have more affordable rates.
Combining different insurance products with your Oregon car insurance (e.g., home & life insurance) within the same insurance company will also score you awesome discounts and the cheapest minimum or full coverage!
Get Cheap Car Insurance Quotes in Oregon
No matter where your Oregon ZIP code places you, Insurance Geek can connect you to the top 20 carriers, among which are Nationwide and Safeco.
We work hard to find the cheapest auto insurance to help our clients save money and score some great car insurance discounts!
We’ve designed and developed a quote engine calculator tool to help you get and compare different quotes from various insurers. You need to enter your info in our form that is available on this page. It’s not time-consuming as it only takes less than a minute!
After that, you get quotes from multiple insurers, and you can compare them.
With your licensed insurance agent at Insurance Geek, you won’t get spammed with dozens of offers and different calls. You’ll get your options readily available, and we won’t bother you in your free time.
Insurance Geek is always there for you on your journey to the best insurance in Oregon. Therefore, feel free to ask your agent anything!
Can I Get a Discount?
Regardless of who your carrier might be, you can always get some type of discount.
Carriers love it when you’re loyal to them, which means if you are a student whose parents have been longtime customers with the carrier, you will be rewarded through your family’s loyalty discount. Carriers also love when there are many different cars in a house all covered under one plan, and will give you a discount for this as well.
PIF or payment in full allows you to pay your entire period of premiums before it actually starts, and you get a discount off the total bill if you decide to do this. You can also do things like take a defensive driving course, install antitheft devices in your car, or – best of all – have no citations and a clean driving record. The fewer tickets or accidents you have, the more certain carriers will reward you for good behavior.
If you want to score a cheaper premium, make sure to take your business to the same company. If you decide to put your trust in one insurance company, they can offer you competitive rates and numerous discounts (like a safe driver discount or different good student discounts).
What Does Car Insurance in Oregon Include?
In addition to the minimum coverages, you may find other types of coverage on your policy as well. These include:
Medical liability or PIP, personal injury protection
If you or your passengers are injured as a result of an auto accident, PIP can help pay for your medical expenses in addition to whatever health coverage you may have. In case of an accident, personal injury protection can also help recover lost wages due to the injury.
Uninsured or underinsured drivers
In the state of Oregon, you must have uninsured or underinsured drivers coverage – meaning, if someone without a coverage plan crashes into you, this part of your coverage will pay the difference while you deal with it in court. You’ll need a minimum of $25,000 in this type of protection in Oregon.
Collision coverage
If you hit something, whether it’s another car that’s moving, a parked car, or some other obstruction, including inanimate objects like concrete poles or mailboxes, collision will help protect you here. Collision also covers potholes. It should be part of the full coverage policy that every driver has.
Comprehensive
Comprehensive insurance covers you for everything else – including hitting an animal, a crack in your windshield or windshield needing to be replaced, dents, dings, hail damage, etc.
Comprehensive coverage is highly recommended as a part of every Oregon driver’s full coverage policy.
Bodily injury liability
Bodily injury liability coverage is there to handle the medical bills of the other party when you are involved in an at-fault crash. Because a car accident cannot be foreseen, it is best to be properly insured, and this includes having the bodily injury liability as part of your full coverage.
While it’s good to have the minimum coverage policy required, we strongly recommend going over the state minimum coverage amount.
Property damage liability insurance
If you are involved in an accident, property damage insurance can help you there! It helps defray the costs of damage that you’ve caused to another person in an at-fault crash.
While the state minimum coverage is $15,000 per accident, we strongly advise going over the coverage limits, just like with bodily injury coverage. The minimum coverage is good, but it is best to be properly insured and get full coverage.
What about deductibles?
If you opt for a higher deductible, you may save on your monthly premium – however, in the event of an accident or if you need to file a claim, you may regret this decision later.
Typical auto deductibles are in the neighborhood of 500, $1000, or even more, depending on what type of policy coverage we’re talking about. A higher deductible may be better for you depending on your situation, and that is something we can talk to you about when you work on your policy.
How much Coverage Car Insurance Should I Get in Oregon?
We advise our customers to follow the 100 300 100 rule: $100,000 for BI or bodily liability and injury protection, $100,000 for personal property damage, and $300,000 in coverage maximum per accident.
This should be more than enough to assist you if you get into a serious auto accident and have to cover the cost of major medical expenses or property damage.
FAQ: Oregon Car Insurance
Q: What car insurance companies have the cheapest car insurance in Oregon?
A: To get the best insurance products and make sure that you have the most affordable car insurance in Oregon, make sure you get acquainted with our top companies – Nationwide and Safeco. With a diverse range of insurance products, your monthly premium can be specifically tailored for your situation. Both Nationwide and Safeco have stellar customer service and the cheapest rates and quotes for their customers!
Q: What is the average cost of car insurance in Oregon?
A: In Oregon, you can expect to pay $828 yearly for your auto insurance policy, which is a bit higher than the nationwide average. However, many different things go into how much you will pay and how carriers calculate your premiums. Here’s a list: age of driver, safety history while driving, antitheft devices, age, make model and color of the car, number of previous citations or accidents you have been in, number of auto claims you’ve had in the last few years, and even more. If your car is new, in good shape, and has low mileage, you will also pay less for auto insurance.
Oregon Car Insurance Rates Calculator
Insurance Geek agents pride themselves on helping their customers get the best car insurance policy available. You can get car insurance discounts and obtain the cheapest auto insurance with us!
If you’re in Oregon and you’re in the market for car insurance, we’d love to help you! We work with families of all sizes to generate the best possible Oregon auto insurance policies for you and your family. Whether you’re just getting an auto policy or you’re looking to bundle different lines of insurance, carriers love helping customers in the state of Oregon, and we can help you navigate the process.
Simply fill out our easy quote form, leave your information, and we will get back to you with a variety of quotes from different carriers so you can decide which is best for you. We can come up with scenarios that will fit any budget or situation, and we’d love to help you get connected with the best insurance we can find for you in Oregon.
Call your local agent at Insurance Geek and get all of your answers as soon as possible!