Cheap Car Insurance in Oregon

Cheap Car Insurance in Oregon

It is mandatory to get car insurance in Oregon for drivers to drive legally in the state. Different companies in Oregon provide car insurance at different rates. According to data gathered by MyMoneyMyQuotes following are the cheap car insurance providers that offer car insurance at affordable rates in Oregon:

Name of the Company Average annual car insurance premiums
Travelers $938
USAA $1129
Grange $1130
Cal Casualty $1210
State Farm $1263
Oregon Mutual $1289
Country $1496
Mutual Enumclaw $1555
Progressive $1556
Allied $1615
GEICO $1804
Encompass $1858
Farmers $2006
Allstate $2066
Metropolitan $2280
American Family $2298
Sentry $2825
Nationwide $3028
Safeco $3495

Cheap car insurance in Oregon for good drivers 

Car insurance companies may charge high car insurance premiums from drivers in Oregon with histories of speeding tickets, at-fault accidents, or DUI citations. Car insurance companies in Oregon provide discounts on car insurance premiums to those who have a good driving history but discount rates vary from company to company. You can save money on a car insurance policy in Oregon by maintaining a good driving record. Most auto insurance companies in Oregon provide a 5-10% good driver discount to those having a good driving history without violations.

  • Drivers with no traffic ticket may save $339 on car insurance premiums in Oregon.
  •  Drivers may save $769 on car insurance premiums if they have an accident-free record in Oregon.
  •  By maintaining a good credit history you may save $1313 on car insurance premiums in Oregon. 

Cheap car insurance for inexperienced drivers in Oregon

Most auto insurance providers may charge high auto insurance premiums in Oregon from young or inexperienced drivers because inexperienced drivers are riskier for auto insurance companies than experienced drivers.  Auto insurance premiums in Oregon vary according to the age of the drivers. Some companies charge high auto insurance costs from young drivers in Oregon. 

Age Average annual auto insurance premiums with parents Average annual auto insurance premiums for young drivers alone
16 $5312 $7650
17 $4935 $6320
18 $4818 $5119
19 $4282 $3270

Affordable auto insurance in Oregon for high-risk drivers

Car insurance companies in Oregon charge high auto insurance premiums from those drivers who have a bad driving history as compared to the drivers those who have no at-fault accidents, speeding tickets, or DUIs. Drivers with a good driving record in Oregon can save money on auto insurance policies because auto insurance companies check the driving record of the past 3 to 5 years to decide the car insurance cost. Drivers with a good driving history in Oregon may get discounts on car insurance policies.

Rating factor Average annual car insurance premium
At-Fault Accident $2127
DUI $2480
Speeding Violation $1695
Bad Credit $2668

Best car insurance companies in Oregon

Car insurance prices in Oregon may vary from company to company. Some companies in Oregon charge lower car insurance premiums than others. To get the best auto insurance policy in Oregon you should check the reputation and services of the insurance companies because finding an affordable car insurance policy is not just enough. You can find the best auto insurance company in Oregon by comparing car insurance quotes from different car insurance providers. According to the data gathered by the MyMoneyMyQuotes following are the best car insurance providers in Oregon:

  1. Allstate
  2. American Family
  3. Amica
  4. Country
  5. Encompass
  6. Farmers
  7. GEICO
  8. Liberty Mutual
  9. MetLife
  10. Mutual Enumclaw
  11. Nationwide
  12. Progressive
  13. State Farm
  14. Travelers
  15. USAA

What auto insurance coverage is mandatory to purchase for drivers in Oregon?

The average annual cost to get the minimum required coverage in Oregon may be around $750.  The minimum required coverage for drivers in Oregon to drive legally in the state is:

Coverage type Coverage limit
Bodily injury coverage per person $25000
Bodily injury per accident $50000
Property damage per accident $20000

 The state minimum auto insurance requirements in Oregon

The state minimum auto insurance coverage requirement in Oregon is liability coverage.

  1. $25000 bodily injury coverage per person is required in Oregon.
  2. $50000 bodily injury coverage per accident is required in Oregon.
  3. $20000 property damage coverage per accident is required in Oregon.

Other types of optional coverages in Oregon are:

  1. Comprehensive
  2. Collision
  3. Roadside Assistance
  4. Loan/Lease Payoff
  5. Rental Car Reimbursement
  6. Uninsured/Underinsured Motorist Bodily Injury

Fine for driving without car insurance in Oregon

If anyone caught driving without a car insurance policy in Oregon then police may charge a fine.

Car insurance prices by cities in Oregon

Car insurance premiums in Oregon may vary from city to city. In some cities of Oregon, car insurance prices are high compared to others.

City Average annual insurance premiums
Gresham $1949
Portland $1790
Aloha $1657
Beaverton $1649
Lake Oswego $1632
Woodburn $1615
Hillsboro $1607
Newberg $1598
Forest Grove $1588
Tualatin $1587
Salem $1555
Keizer $1546
McMinnville $1535
Bend $1347
Springfield $1338
Albany $1336
Grants Pass $1333
Eugene $1330
Medford $1316
Corvallis $1310
Roseburg $1309

If you are looking for a car insurance deal in Oregon, you can compare car insurance quotes provided for free by MyMoneyMyQuotes.com to get yourself the best possible deal.

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