While you need auto insurance in Oregon to avoid breaking the law, it can also protect you, your family and your assets. You must have enough insurance to cover injury for up to the following minimum limits:
- $25,000 per person.
- $50,000 per crash to cover injury to other people.
- $20,000 per crash to cover damaged property.
Oregon law also says liability insurance policies for vehicles must cover up to $15,000 per person to cover their injuries and policyholders should carry uninsured motorist insurance of $25,000 per person and $50,000 to cover bodily injuries in a crash.
If a police officer catches you driving without proof of insurance, the Department of Motor Vehicles will fine you, suspend your license and impound your vehicle. If you get into an accident without any insurance, the state can suspend your license for up to a year, and the people involved in the accident may sue you.
Sample of Annual Oregon Auto Insurance Rates
Portland Auto Insurance
Portland is the largest city in Oregon with a population of more than 632,000 people. It is known as the city of roses. Portland was named after the city of the same name in Maine.
From Portland, Interstate 5 runs north toward Seattle, and south toward Sacramento. Interstate 84 travels southeast toward Salt Lake City, Utah. U.S. Route 26 passes the Oregon Zoo.
Salem Auto Insurance
Salem is Oregon's state capital. The city has a population of more than 164,000 people. Salem is known as the Cherry City.
From Salem, Interstate 5 runs north toward Portland, and south toward Sacramento. Oregon State Route 22 runs west toward the Pacific Ocean. State Street passes the Oregon State Capitol building.
Eugene Auto Insurance
Eugene is the third-largest city in Oregon with a population of more than 163,000 people. The college town hosts the University of Oregon. Known as "Track Town, USA," Nike was founded in Eugene.
From Eugene, Interstate 5 runs north toward Portland, and south toward Sacramento. Oregon State Route 126 travels west toward the Pacific Ocean. The University of Oregon is located on E 13th Avenue.
Bend Auto Insurance
Bend is an outdoorsy town with a population of more than 81,000 people. Bend hosts more than a dozen microbreweries, including the popular Deschutes Brewery. Bend is home to an extinct volcano.
U.S. Route 20 runs west toward the Pacific Ocean, and east into Idaho. U.S. Route 97 runs north into Washington state, and south toward Klamath Falls.
Medford Auto Insurance
Medford is situated in southern Oregon along the California border. It has a population of more than 78,000 people. The city is believed to have been named after Medford, Massachusetts.
From Medford, Interstate 5 runs north toward Portland, and south toward Sacramento. Oregon State Route 62 runs northeast toward Crater Lake. Oregon State Route 99 traces Interstate 5, running south toward Ashland.
Hillsboro Auto Insurance
Hillsboro is a western suburb of Portland. It is Oregon's fifth-largest city with a population of more than 102,000 people. Nicknamed the Silicon Forest, Hillsboro is home to Intel.
U.S. Route 26 runs east into Portland, and west toward the Pacific Ocean. Oregon State Route 8 runs east into Beaverton. Intel is located at the corner of Elam Young Parkway and Cornell Road.
Gresham Auto Insurance
Gresham is an eastern suburb of Portland. It is Oregon's fourth-largest city with a population of more than 109,000 people. The city was named after Walter Gresham, a Civil War general.
Interstate 84 connects Gresham with Portland to the west. U.S. Route 26 also runs west into Portland, passing by the Oregon Zoo. Stark Street passes by Mt. Hood Community College.
Beaverton Auto Insurance
Beaverton is a southwestern suburb of Portland. It is Oregon's sixth-largest city with a population of more than 96,000 people. Nike is headquartered in Beaverton.
From Beaverton, U.S. Route 26 runs east into Portland, and west toward the Pacific Ocean. Oregon State Route 8 runs west toward Hillsboro. Nike is headquartered at the corner of Jenkins Road and Murray Boulevard.
Klamath Falls Auto Insurance
Klamath Falls is located in southern Oregon. The town has a population of more than 21,000 people. It is known as Oregon's "City of Sunshine."
U.S. Route 97 runs south across the California border, and north into Washington state, splitting with Oregon State Route 62, which heads toward Crater Lake. Oregon State Route 140 runs northwest in the direction of Medford, and east toward Goose Lake.
Coos Bay Auto Insurance
Coos Bay is a coastal town near the Pacific Ocean. The Oregon town has a population of nearly 16,000 people. Coos Bay hosts the annual Prefontaine Memorial Run in honor of the Olympic runner Steve Prefontaine, who was born in town.
U.S. Route 101 runs along the Pacific Coast passing through Coos Bay on the way from California to Washington state. Cape Arago Highway also travels near the coast, turning into Newmark Avenue in downtown Coos Bay.
Finding Auto Insurance Resources in Oregon
The best place to find information about insurance in Oregon is on the Oregon Insurance Division website. This website has information about different kinds of insurance policies in the state.
Finding Ways to Save on Oregon Auto Insurance
While you want to have the legally required auto insurance, you also want to make sure you're not paying too much and you're taking advantage of any discounts available.
Oregon law says insurance companies can only use the last three years' worth of your driving records to determine how much you should pay for coverage. If you have no violations within the last three years, ask the company to look at your record to see if you qualify for a discount.
If you're 55 or older, you can get a discount if you pass an approved accident-prevention course. You can take a state-certified safety driving course from some places, such as the AARP, to get this discount.
While having a teen on your policy usually means you have to pay more, there are some discounts younger people can get. In Oregon, drivers younger than 25 can get discounts if they have good grades or attend a school more than 100 miles from home.
Moving to Oregon: Important Information
If you are moving to Oregon from another state, make sure you handle your insurance and driver's license tasks within 30 days of becoming a resident. To apply for a new license, go to your local DMV office with proof of citizenship, Social Security number and proof of your full legal name. You'll also transfer your vehicle registration to Oregon and pass a vehicle inspection test.
If you are visiting Oregon, then your out-of-state insurance policy will work in the state, but make sure you have proof of insurance with you at all times. Once you move to Oregon, make sure you get a policy from a company that has a license to sell in the state.
Understanding Driving Laws in Oregon
While some basic driving laws are the same in all states, drivers should know about some laws that are specific to Oregon.
One law is the “Move Over or Slow Down” law. This law says that if you come upon an emergency vehicle, roadside assistance vehicle or tow truck with its flashers on, then you must move over to another lane or slow down to at least 5 miles per hour below the speed limit.
Oregon's school zone law requires that all drivers slow down in school zones between 7 a.m. and 5 p.m., during school hours, when warning lights are flashing, or simply whenever children are present.
Frequently Asked Questions About Oregon Auto Insurance
With so many things to know and so many companies to choose from, you might be confused as to which one is right for you. Read the following frequently asked questions to help you make a better decision.
1. Do you need to verify your insurance?
Once a month, the Oregon DMV picks vehicles at random and the drivers must verify they have insurance. If the DMV picks your car, then you must respond immediately or risk penalties.
2. Can you show proof of insurance on your phone or tablet?
As of May 2013, drivers in Oregon can show proof in electronic form, such as a copy of their card on a smartphone, laptop or tablet. You must show this proof to police officers when requested. If you only carry your information on your phone or mobile device, then make sure it is always charged.
3. What do you do when you get your insurance card?
As soon as you receive your card, make sure all the information is correct. Verify that the registration information for your car matches what is on the card. Contact your insurance company if you find any information that's different and carry this card with you or in your car at all times.
How to Get Great Rates on Oregon Auto Insurance
Finding an auto insurance quote can seem overwhelming – but insuranceQuotes.com helps you find the best car insurance policy at the best price. Every year, we match 15 million consumers to the nation’s biggest auto insurance companies, including State Farm, Allstate and Liberty Mutual.
insuranceQuotes.com connects you with local and national insurance companies that give you free car insurance estimates by phone or email within minutes. By comparing multiple quotes, you can be sure that you’re getting the best price for car insurance.
Oregon Auto Insurance Resources
Need more than just Oregon car insurance quotes? Here are some resources to get you started in learning about Oregon insurance.
Oregon Insurance Division
Information on insurance laws for Oregon consumers
Oregon Department of Motor Vehicles
Consumer information and online services for Oregon drivers and vehicle owners
Oregon Cell Phone Driving Laws
Can you talk and drive in Oregon?
insuranceQuotes.com Auto Rate Methodology
Rates are based on one vehicle and one driver who has state minimum coverage with $500 deductibles. The hypothetical driver is 35 years old, female or male, employed, a college graduate, and has good credit. She has no traffic violations, claims, or lapse in coverage. The vehicle is assumed to be a sedan that is garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Rates include commonly available carrier discounts and are estimates and not guaranteed.