Oregon drivers are required to carry auto insurance coverage which meets minimum levels of coverage. Any drivers who operate a vehicle without meeting these minimum requirements can face stiff penalties and fines. If you happen to get in a car accident without having an auto insurance policy in place there is an automatic one year suspension of your drivers license, not to mention the large exposure to personal liability.

Compare Auto Insurance Quotes

How much auto insurance is required in Oregon?

Oregon has very strict requirements about car insurance and even makes drivers opt for personal injury protection, which is not commonly enforced in states that operate under tort laws (as Oregon does). Drivers are required to have a policy that includes at least $25,000/$50,000 in bodily injury liability, $20,000 in general property damage insurance, $15,000 in personal injury protection (PIP) coverage and a minimum of $25,000/$50,000 in uninsured motorist coverage.

Are Oregon minimum auto insurance requirements enough coverage?

Most minor accidents where you are not at-fault would probably fall under these policy limits and provide sufficient coverage. However any accident where you were at-fault you essentially have no coverage, except for damages/injuries to other people. One of the key reasons people buy auto insurance is to cover damages to their own vehicle/injuries in an auto accident and with a liability only policy this coverage does not extend to your personal vehicle or injuries.

What type of auto insurance should I buy?

Most Oregon drivers purchase an auto insurance policy with some combination of liability, collision and/or comprehensive insurance with policy coverage often exceeding $100,000 for a single accident due to the high cost of vehicles, medical and legal costs resulting from car accident damages. If your budget allows then its always wise to consider much higher auto insurance than Oregon state minimum requirements.

How much is Auto Insurance in Oregon?

Average auto insurance rates in Oregon are around $1,200 annually for most drivers. Although this average is close to 20% below the national average there are still many opportunities to pay even less by shopping around. Good drivers can take advantage of a very competitive market with over 100 licensed auto insurance companies and even high-risk drivers have multiple providers to choose from. The best auto insurance rates are typically found by drivers who understand how auto insurance works, the types of discounts available and spend time comparing auto insurance quotes.

Who are the Best Auto Insurance Companies in Oregon?

This is a very difficult question to answer as all drivers have unique risk profiles and every auto insurance company calculates risk differently. Most national providers such as State Farm, Progressive, Allstate and GEICO all offer auto insurance in Oregon but there is also a long list of regional and lesser-known auto insurance companies who provide affordable insurance. Before buying coverage always shop around and compare at least a handful of auto insurance companies.

Start an Auto Insurance Comparison search and Compare Auto Insurance Quotes in Oregon today!