Cheap Auto Insurance Quote

Get cheap car insurance rates in Oregon directly from our website. We take the time to find the best offers from the most respected auto insurance companies in the Beaver State. Once you enter your zip code, instantly, you will be able to review the best available offers for your vehicles. This is regardless if you have never been previously covered, your OR policy has recently lapsed, or you are a preferred driver and have been with the same company for more than 20 years.  

Oregon drivers are among the best in the nation which could explain why prices are lower than most other states. Maybe it's the unpredictable weather that keeps drivers more alert, or perhaps the 50 hours of supervised driving experience that is required for all persons applying for a valid license. Portland and most other cities feature surprisingly low premiums after all available discounts are applied.  

Lowest Allowed Coverage  

When we shop for the best offers, it's important that you are meeting the minimum required liability limits as required by the. The requirements are $25,000 bodily injury per person, $50,000 per accident and $20,000 for damage to property.  

"Personal Injury Protection" (PIP) provides financial help regardless of fault and uninsured/underinsured motorists protection is required in case another person does not have any coverage or simply does not have enough coverage. Reasonable and usual medical, dental and several other types of expenses are covered up to 12 months after the accident.  

The PIP limit you must have is $15,000 and the uninsured motorist limit is equal to the standard bodily injury per person/occurrence requirement. Whenever you register your vehicles (new purchase and renewal), you are required to show proof that you are complying with the minimum standards. If the registration is no longer in your name, you are no longer legally required to provide coverage.  

Optional Higher Liability Limits  

Although you are 100% compliant with the $25,000/$50,000/$20,000 limits, they only represent the bare minimum coverage do drive your vehicle on the road. Any serious accident with injuries could result in litigation asking for a much larger dollar amount in damages. Therefore, we highly recommend limits of $50,000/$100,000/$50,000 (or higher). Often, amounts of $100,000 per person and $300,000 per accident are required if you have an excess personal umbrella rider, or you are leasing a vehicle.  

Although increasing your bodily injury and property damage coverage will raise your premium, you can offset the difference with adjusting your collision (and comprehensive) deductibles. For example, a combination of increasing bodily injury limits from $25,000/$50,000 to $50,000/$100,000, and increasing a collision deductible from $250 to $500, will likely result in little or no rate increase, and possibly a slight decrease.

 

Whenever you register, you will be asked to verify that you have coverage that meets the state minimum requirements. There are, however, many compliance exemptions. Some of these include: farm trailer or tractor, snowmobile, all-terrain vehicle, scooter (with motor), electronic mobility device, and a special collector's item that is mostly used in parades and exhibitions. A complete list can be found in Oregon Vehicle Code (ovc) 806.020.  

 

Who Are The Best Car Insurance Companies In Oregon?  

Keep in mind that the "best" carriers for one person might not be a good choice for someone else, since prices are not identical in each part of the state. Also, sometimes, companies specialize in specific risks, such as retired couples, single persons in their 50s, or families with youthful drivers. If you have more than one moving violation in the last three years, once again, we would consider the carriers that specifically forgive the first ticket, so your price remains low.  

Some of the carriers you are likely to see, are Esurance, State Farm, Geico, AARP, Nationwide, Liberty Mutual, Farmers and Progressive. However, depending on various factors, you will likely notice additional companies. And as each insurer adjusts rates in your area, we will also adjust our rankings. However, Mercury and AAA are also very attractive options in certain areas. And major carriers, such as State Farm and Allstate are always considered.  

For example, prices in Eugene may substantially drop while the Gresham area sees prices increase from many companies. These are the trends we follow and make sure you see all of the current "best buys." It also helps to buy the . No matter which city you buy them, you'll be happy with the cost.  

What If I Drive Without Insurance?  

Naturally (as you know), that is not a wise thing to do, unless you enjoy paying a fine, having your vehicle  towed along with your license suspended. And you would also have to pay daily fees while your vehicle is stored.  

If this has just happened, you may need an SR-22 bond, which proves that you are financially responsible. The alternative is a three-year license suspension, which is not much of a choice at all. We can help you file the bond and get back on the road as quickly and as cheaply as possible. Additional information is provided by the , who also covers topics such as what to do when you receive a cancellation notice, and when to notify your carrier when you purchase a new vehicle.  

The Bureau of Motor Vehicle randomly verifies compliance of Oregon auto insurance laws each month, so it is equally important to always know where you keep your documents. If you are contacted, you must furnish the name of your current carrier and the policy number. If you fail to respond or provide the wrong information, you risk a suspension of your driving privileges.  

If your policy is close to lapsing or is due to be paid within a few days, utilize the "free quote" section at the top of the page so we can provide you with the most affordable options. If the price is acceptable, you can apply almost immediately and request immediate approval.  

Will My Policy Cover Me If I Go Out Of State?  

Yes. Regardless whether you head north to Washington, south towards Nevada or California, or east towards Idaho, you will be covered. In fact, if you head west into the Pacific Ocean, you'll still be covered!! Assuming it was an accident, of course. And if you drive across the country, your policy benefits will stay with you.  

However, once you enter Mexico or Canada, the situation becomes a bit murky. It's always best to check with the broker or directly with the company since each policy is different. For example, certain carriers allow you to drive within 50-100 miles of the border.  

 

Other carriers will not extend any aspect of your policy once you leave the Continental US and may limit the number of days you are outside the country. However, Mexico is a much riskier area and you will certainly need to purchase a separate policy that will provide limited benefits. A good rule of thumb is to keep close to  home and your car insurance rates in Oregon will stay low.  

Is Pay As You Go Available?  

Yes it is. Although not all companies offer this feature, of the more than 100 available carriers in the state, it is gaining in popularity since a tax credit is available to insurers that meet certain mile-based guidelines. The consumer and carrier both benefit since drivers are not charged unless the vehicle is on the road. Better known as "PAYD," other states are also looking at its features.  

A data-logging device (DLD) is required to be installed on your cars. Typically, your vehicles must be about 17 years or newer. The entire cost of  installation is paid by the insurer. Allstate, Liberty Mutual, National General, Progressive, MetroMile, Travelers,  and American Family currently offer these devices. A "base rate" of about 20%-60% of the normal premium is the starting point. We anticipate that the overall cost of the program will gradually reduce over the next 5-10 years.   The concept is very simple. If you rarely drive, you save a lot of money. If you take a lot of long trips, your rates will substantially increase.  One carrier  estimates it will charge 4 cents per mile driven.  Another company will also include safety components, such as how fast you drive, brake and turn. Since most of these offers have not yet been implemented, we will keep you updated of any significant progress that is made.   Summary  

We are committed to finding the cheapest auto insurance prices in Oregon for our customers. Since rates change so frequently, we are constantly shopping so you always receive the lowest quotes. As new companies enter (and leave) the state, we will inform you. Occasionally, legislation is passed or vehicle requirements are updated. Once again, we will always explain these changes and evaluate if they will have any impact on your coverage.   Also, the Northwest is often a "testing ground" for new ideas and innovations in the automotive world. Whether it's driverless cars or alternative fuel-powered vehicles, if it impacts your rates, we'll let you know.   UPDATES:  

November 2014 -- Measure 88 failed to pass in Tuesday's election. If passed, driver cards would have been issued to persons that could not prove their legal residency, and car insurance rates in Oregon would have increased, to cover an anticipated increase of claims. All but one of the state's counties voted against passage of the law.  

Although roads and highways are probably safer with less-experienced drivers off the road, in fairness, many workers that are undocumented, will continue to have trouble finding transportation for job and family needs. It's expected that the measure will be revised, and may be on the ballot again within the next four years.  

May 2015 -- Portland, for about four months, is allowing Lyft, Uber and other ride-sharing companies to offer their services as long as they follow specific guidelines. Some of these guidelines include special services for disabled passengers, background checks on employees, 24-hour operations, and minimum liability insurance coverage. As part of the agreement, cab drivers may adjust their fares to meet constantly changing market conditions.

 

The bigger issue is whether this short-term agreement will lead to a long-term peaceful co-existence between the ride-sharing companies and Portland. The cost of each permit is $20,000 (per company), and all drivers must apply and receive a business license. The final City Council vote was 3-2 in favor to approve the 120-day period.