Finding cheap car insurance in Oregon is achievable in the Beaver State, where rates are below the national average. Oregon's moderate traffic conditions and competitive insurance market help keep premiums affordable for most drivers.
Oregon offers a straightforward insurance market with many carriers. Understanding Oregon car insurance requirements helps you find the best coverage at an affordable price.
Oregon Car Insurance Requirements
Oregon requires minimum liability coverage of 25/50/20—$25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $20,000 for property damage. PIP coverage of $15,000 and uninsured motorist coverage are also required.
Oregon's PIP requirement covers medical expenses and lost wages regardless of who caused the accident, which affects how cheap car insurance in Oregon is structured.
What Affects Oregon Car Insurance Rates
Your location within Oregon impacts your car insurance rates. Portland and the Willamette Valley have higher premiums due to traffic density. Rural Oregon and smaller cities enjoy lower rates.
Oregon's rainy climate affects accident rates, and deer collisions are common in rural areas. These factors impact comprehensive and collision coverage for Oregon auto insurance.
How to Save on Oregon Auto Insurance
Comparing quotes from multiple insurers is essential for finding cheap car insurance in Oregon. The competitive market offers rate variations between carriers.
Take advantage of Oregon's discount opportunities including safe driver, multi-policy, good student, and eco-friendly vehicle discounts. Oregon's green culture means some insurers offer hybrid and electric vehicle discounts.