You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life ’ s fiscal travel. Bankrate ’ s column team writes on behalf of YOU – the reader. Our finish is to give you the best advice to help you make bright personal finance decisions. We follow stern guidelines to ensure that our editorial message is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our message is thoroughly fact-checked to ensure accuracy. so, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and dependable information. We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check column contented to ensure the information you ’ rhenium read is accurate. We maintain a firewall between our advertisers and our column team. Our editorial team does not receive lead compensation from our advertisers. Bankrate follows a rigorous editorial policy, so you can trust that we ’ re putting your interests first. Our award-winning editors and reporters create honest and accurate subject to help you make the right fiscal decisions. All providers discussed on our locate are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ ra putting accuracy first. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — monetary value, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you. Bankrate follows a nonindulgent editorial policy, so you can trust that we ’ re putting your interests first gear. All of our contentedness is authored by highly qualify professionals and reviewed by national matter experts, who ensure everything we publish is objective, accurate and worthy of your reliance. Founded in 1976, Bankrate has a long traverse phonograph record of helping people make smart fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making summons and giving people confidence in which actions to take future. While we adhere to strict editorial integrity, this military post may contain references to products from our partners. here ‘s an explanation for how we make money. This content is powered by HomeInsurance.com ( NPN : 8781838 ). For more data, please see our Insurance disclosure. If you own a fomite that is registered in the state of Oregon, you are legally required to carry car insurance. Drivers must carry at least 25/50/20 liability indemnity, which includes $ 25,000 in bodily injury coverage per person, $ 50,000 in bodily injury coverage per accident and $ 20,000 in place damage coverage per accident. The median car insurance rates in Oregon are $ 610 per year for a minimum coverage policy and $ 1,346 per class for a wax coverage policy. A minimal coverage policy includes state minimum indebtedness coverage, and a entire coverage policy includes indebtedness coverage plus collision and comprehensive insurance that protect your vehicle .
How much does car insurance cost in Oregon?
cable car policy rates are highly pendent on your state. There are besides early factors that will impact your premium, like your age, the city you live in, your drive record and the insurance company you choose.
In Oregon, drivers pay significantly less for full coverage cable car indemnity than the average american english driver. however, Oregon drivers actually pay slenderly higher rates for minimum coverage cable car insurance. For mention, the average cost of car indemnity in the United States is $ 565 per class for minimum coverage and $ 1,674 per year for entire coverage. That means Oregon drivers pay $ 328 less for full coverage insurance and $ 54 more for minimal coverage indemnity per class .
Oregon car insurance rates by company
insurance rates are not standardized across the industry. Some policy companies charge above average rates, while others charge below average rates. If you are looking for cheap car indemnity in Oregon, we recommend comparing respective quotes to see which caller will be the most low-cost for you. The table below includes the average annual monetary value of car indemnity from some of the best car indemnity companies in Oregon .
| Car insurance company | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|
| Oregon Mutual | $414 | $862 |
| Travelers | $438 | $1,017 |
| QBE | $456 | $948 |
| Mutual of Enumclaw | $487 | $1,035 |
| Capital | $487 | $1,049 |
| USAA | $494 | $1,038 |
| State Farm | $527 | $1,093 |
| Nationwide | $555 | $1,066 |
| Country Financial | $565 | $1,432 |
| Progressive | $573 | $1,265 |
| Geico | $575 | $1,355 |
| California Casualty | $596 | $1,518 |
| Farmers | $604 | $1,104 |
| American Family | $699 | $1,250 |
| Allstate | $820 | $1,790 |
| MetLife | $949 | $1,814 |
| Sentry | $1,018 | $2,858 |
Oregon car insurance rates by city
oregon car indemnity rates vary based on your city and ZIP code due to factors like crime rate, weather risks, accident rate and the phone number of uninsured drivers in the city. hera is a look at average wax coverage car insurance premiums in Oregon ’ s 20 most populate cities and how the citywide rate compares to the statewide modal .
| City | Average annual premium for full coverage | % difference from state average annual premium |
|---|---|---|
| Portland | $1,639 | 22% |
| Eugene | $1,231 | -9% |
| Salem | $1,416 | 5% |
| Gresham | $1,765 | 31% |
| Hillsboro | $1,446 | 7% |
| Beaverton | $1,495 | 11% |
| Bend | $1,240 | -8% |
| Medford | $1,188 | -12% |
| Springfield | $1,235 | -8% |
| Corvallis | $1,180 | -12% |
| Albany | $1,201 | -11% |
| Tigard | $1,466 | 9% |
| Aloha | $1,501 | 12% |
| Lake Oswego | $1,432 | 6% |
| Keizer | $1,407 | 5% |
| Grants Pass | $1,180 | -12% |
| Oregon City | $1,492 | 11% |
| Redmond | $1,243 | -8% |
| Tualatin | $1,429 | 6% |
| McMinnville | $1,376 | 2% |
Oregon car insurance rates by age
When you apply for an car insurance policy, the car indemnity carrier wave is credibly going to consider your age when they calculate your rate. In most cases, unseasoned drivers who are newly licensed pay the highest premiums. When drivers are in their early 20s, rates will start to decrease. The table below includes Oregon car insurance rates by old age. *16 class old calculated on parent ’ south policy disclosure
Oregon car insurance rates by driving record
safe drivers pay the lowest car policy rates because it shows the insurance company that they are not at gamble of getting involved in an expensive accident or other incidental. If you have any violations on your criminal record, like an at-fault clang or a speed ticket, it will cause your rate to increase. In the table below, you can see how much your car indemnity premium will go up after a speed ticket, an accident and a DUI .
| Driving incident | Average annual full coverage premium in Oregon | % increase of average annual premium |
|---|---|---|
| Speeding ticket | $1,654 | 20% |
| Accident | $1,992 | 47% |
| DUI | $2,294 | 70% |
How to save on car insurance in Oregon
cable car insurance rates in Oregon are not excessively expensive, but there are ways that you can save some money and get a lower premium. here are some suggestions for getting bum car policy :
- Improve your credit score: If you have a poor credit score, you will likely pay a high car insurance premium. Raising your credit score, even by a few points, can help you get a lower rate.
- Pay your premium in full: Paying your annual premium upfront and in full can help you get a cheaper rate, if you can afford the out-of-pocket cost.
- Take a defensive driver course: Most insurance companies offer a discount to drivers who complete an approved defensive driver or driver safety course.
- Raise your deductible: Raising your deductible will lower your monthly premium. Just make sure you can afford a higher deductible in the event that you need to file a claim.
- Switch carriers: If you find a different insurance company that can offer you a better deal, you can switch carriers at any point during your policy period.
Frequently asked questions
How much is car insurance in Oregon per month?
In Oregon, a minimal coverage policy costs about $ 50 per calendar month and a full coverage policy costs roughly $ 112 per calendar month. however, keep in take care that car indemnity rates in Oregon are personalized based on factors like your city, long time, credit sexual conquest and more .
How do I get a car insurance quote in Oregon?
Most car insurance companies in Oregon offer an on-line quote cock, where you can input some personal information and details about your vehicle, like the VIN number, make, mannequin, class and mileage. then, you will choose the type and amount of coverage you need, and you can see the calculate price. You can besides work with an agent to get a quote .
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, estimable credit rating and the follow full coverage limits :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimal coverage limits, Bankrate used minimum coverages that meet each state ’ s requirements. Our foundation profile drivers own a 2019 Toyota Camry, permute five days a week and drive 12,000 miles per annum.
Read more: How Much Does Car Insurance Cost?
These are sample rates and should only be used for relative purposes. Age: Rates were calculated by evaluating our base profile with the ages 18-60 ( basis : 40 years ) applied. Incident: Rates were calculated by evaluating our root profile with the follow incidents applied : uninfected record ( base ), at-fault accident, individual rush slate, unmarried DUI conviction and elapse in coverage .