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Car Insurance State Minimum Coverage, Fines, and Penalties for Oregon & Cost Saving Ideas to Lower your Insurance Premium

If you are looking for Oregon cheap car insurance then you have landed in the right place. We will explain what the minimum requirements are for auto insurance, the average amount, any fines or penalties for not having insurance, and a few facts you may have not known about.

Oregon minimum liability cover is 25,000/50,000/20,000 for bodily injury liability and property damage liability which are broken down as follows:

CoverageOregon Minimum Liability CoverageRecommended Auto Insurance Coverage
Bodily Injury Protection$25,000 / $50,000$100,000 / $300,000
Property Damage$20,000$50,000
Personal Injury Protection$15,000$50,000
Uninsured / Underinsured Motorist BIL25,000 / 50,000$50,000 / $100,000
Comprehensive CoverageN/A$500 deductible
Collision CoverageN/A$500 deductible

Bodily Injury Liability

Covers doctor’s expenses for the other driver and their passengers when the insured driver is at-fault for the accident.

Under the minimum coverage, bodily injury liability will pay up to $25,000 for one individual and up to $50,000 for injuries to all people concerned in the accident.

Property Damage Liability

Covers expenses for the other driver’s vehicle and any other private and public property, such as guard rails and traffic signs damaged in the accident.

With minimum liability insurance, the insurance firm will pay up to $10,000 for repairs.

Cheapest Auto Insurance Companies in Oregon

25 year old driver cheapest car insurance in Oregon.

Note: To find affordable car insurance in Oregon we compared quotes from 21 companies. For a 25 and 45 year old driver we found that Country, Ameriprise, and Progressive had the most affordable insurance rates. The higher priced insurance firms are well worth getting an insurance quote from too.

RankOregon Auto Insurance CompanyAverage Annual Rate for 25 Y/O DriverAverage Annual Rate for 45 Y/O Driver
1Country$1,045$765
2Ameriprise$1,054$789
3Progressive$1,065$754
421st Century$1,109$785
5Mutual of Enumclaw$1,156$799
6Travelers$1,137$812
7USAA$1,154$811
8Farmers$1,198$822
9Oregon Mutual$1,129$843
10GEICO $1,209$813
11Grange Insurance Association$1,210$845
12Nationwide$1,244$865
13MetLife $1,267$923
14Liberty Mutual$1,256$943
15American Family$1,356$976
15Sentry$1,408$1,007
17Hartford$1,540$1,009
18Encompass$1,578$1,017
19Chubb$1,627$1,167
21Amica$1,852$1,1234
22Allstate$1,558$893

45 year old driver cheapest car insurance in Oregon.

Note: The dollar figure represents the average insurance rate for a 45 year old single male driver for a 12 month premium with full coverage.

Although Oregon is not a no-fault state it requires drivers to carry Personal Injury Protection for the vehicles. PIP insurance will help pay for loss of wages, death benefits, and medical expenses for up to one year no matter who is at-fault during the accident.

2nd list for 25 year old driver low cost car insurance in Oregon.

Note: This chart illustrates the 2nd list (with higher prices) of insurance companies in Oregon. The figures represent a 25 year old female with full coverage for a 12 month period.

The minimum amount PIP insurance is $15,000. The state also requires all motorists to carry Uninsured Motorist Protection or (UM). The minimum amount is $25,000 per person and $50,000 per crash.

UM will cover medical expenses or a “hit and run” auto accident with another driver who does not have or has unacceptable insurance cover.

2nd list for 45 year old driver low cost car insurance in Oregon.

Note: As illustrated, this is the list of auto insurance companies in the table. The amount represents a 12 month premium with full coverage in the State of Oregon.

If you have a newer model vehicle it is recommend to get comprehensive coverage which will pay for the damages if the vehicle is stolen, any broken glass or window damage, or any other “non-collision” type of accident.

The average deductible in the state of OR is only $100, however it is important to realize the higher your deductible the lower your monthly premium.

On the other hand, if the damage to the vehicle is $2000 you will be required to pay the deductible first. Therefore, if your deductible is $500 then you pay it first and the insurer will pay the other $1500.

With a low deductible, such as $100 you pay that amount and the insurer will cover the rest of the damages or, in this example, $1900.

Auto Insurance Discounts in Oregon

Below the chart illustrates the top car insurance discounts in the State of Oregon. Most discounts are a negligible amount off an auto insurance premium. If you combined any or all of the discounts your lowered rate could be as much as 20 percent or more.

Top auto discounts in Oregon.

The average cover per driver in the state of Oregon:

  • Bodily Injury Liability – 100,000/300,000

  • Property Damage Liability – 50,000

  • Personal Injury Protection – $15,000

  • Uninsured Motorist Protection – 100,000/300,000

  • Comprehensive Coverage – $100 deductible

  • Collision Coverage – $500 deductible

Fines And Penalties – Driving w/o insurance:

  • Automatic suspension of your license

  • Fines, penalties, and court costs which will be hundreds of dollars

  • Your vehicle will be towed – average cost is $150.00

  • When convicted you are required to file an SR-22 with DMV

  • Driving w/o insurance during an accident – automatic suspension of your license for one year.

It is important to note the state of Oregon’s compliance system will randomly select vehicles and will ask the owner to provide proof of insurance.

Then you are required to give the name of the firm and the policy number. If you do not respond or have proper “proof” your license will be suspended.

Local Auto Insurance Agents in Oregon & Average Rate

 
CityAverage Auto Insurance RateCityAverage Auto Insurance Rate
Portland$1,254Tigard$1,254
Eugene$1,289Lake Oswego$1,221
Salem$1,261Keizer$1,268
Gresham$1,321Grants Pass$1,254
Hillsboro$1,376McMinnville$1,249
Beaverton$1,264Oregon City$1,386
Bend$1,282Redmond$1,401
Medford$1,291Tualatin$1,432
Springfield$1,387West Linn$1,294
Corvallis$1,342Woodburn$1,285
Albany$1,401Newberg$1,278

To determine who had the best auto insurance rates on a local level, we ranked annual rates from 8 companies in Portland, Eugene, and Salem. Three of the biggest cities in the State of Oregon.

The three providers with the lowest rates were determined to have the best rates. Country, Progressive, and Ameriprise for each of the cities had the lowest rates.  

Your best option is to get at least 5 insurance quotes from different carriers. The dollar figure below represents that average of quotes for a 30 year old single female driver, full coverage, and 12 month premium.

Lowest Auto Insurance Rates by City in Oregon

Portland

Portland, Oregon Auto Insurance CompanyAverage Annual Rate Percentage Difference from State Avg
Country$98924%
Ameriprise$1,00823%
Progressive$1,00923%
21st Century$1,03223%
Mutual of Enumclaw$1,05622%
Travelers$1,08721%
USAA$1,09821%
Farmers$1,11221%
Oregon Mutual$1,12919%

Chart showing affordable auto insurance firms in Portland, Oregon.

Eugene

Eugene, Oregon Auto Insurance CompanyAverage Annual Rate Percentage Difference from State Avg
Country$1,05622%
Ameriprise$1,07822%
Progressive$1,12321%
21st Century$1,15720%
Mutual of Enumclaw$1,23418%
Travelers$1,24518%
USAA$1,24718%
Farmers$1,26718%
Oregon Mutual$1,28717%

Chart showing affordable auto insurance firms in Eugene, Oregon.

Salem

Salem, Oregon Auto Insurance CompanyAverage Annual Rate Percentage Difference from State Avg
Country$1,05422%
Ameriprise$1,07922%
Progressive$1,11521%
21st Century$1,11521%
Mutual of Enumclaw$1,16520%
Travelers$1,18720%
USAA$1,19520%
Farmers$1,20819%
Oregon Mutual$1,26919%

Chart showing affordable auto insurance firms in Salem, Oregon.

Insurance Resources & DMV in Oregon

Department of InsuranceDepartment of TransportationDepartment of Motor Vehicles
350 Winter St NE, Salem, OR 97301
(503) 947-7980
827 NE Oregon St # 250, Portland, OR 97232
(503) 731-3000
1502 SW 6th Ave, Portland, OR 97201
(503) 299-9999
WebsiteWebsiteWebsite

Final Thoughts

At Autoinsuresavings we can provide you with low cost car insurance rates. All you have to do is enter your zip code at the top of the page and you will get low quotes from top insurance companies in your area.

We have made the system as simple and as fast as possible for you. It is always good to compare three or more auto insurance quotes since insurers weigh determining factors, such as age, driver history, and credit scores differently.

The best part of the system is there is no obligation and everything can be done according to your schedule.

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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