Pacific Northwest Comparison Auto Insurance in Oregon — From $40/mo
Find auto insurance options in Oregon. Compare Oregon auto insurance — Portland, Eugene, and statewide
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Why compare Auto Insurance in Oregon?
Prices can vary widely across providers in Oregon. Whether you’re in Portland or Eugene, comparing quotes helps you find better coverage for less.
What you get
- Compare Oregon auto insurance — Portland, Eugene, and statewide
- Licensed US Providers
- Bundle & Save options where available
Rates in Oregon
Typical annual rates start from $480 (based on plans from $40/mo)
Oregon uses an at-fault system with 25/50/20 minimums. The state also requires PIP (Personal Injury Protection) and uninsured motorist coverage. Portland rates are significantly higher than rural Oregon. Oregon is notably one of the states that prohibits credit-based insurance pricing.
Auto Insurance Requirements in Oregon
- Minimum requirement
- 25/50/20
- No-fault state
- No
- SR-22 required
- Yes
- Average annual cost
- $1,440
Estimated rates by driver profile in Oregon
Rates vary based on your driving history and profile. Here's what drivers in Oregon typically pay:
| Driver Profile | Est. Monthly | Coverage Level | SR-22 Available |
|---|---|---|---|
| Clean record, age 30+ | $40–$58 | Full Coverage | ✓ |
| 1 accident in last 3 years | $62–$85 | Liability+ | ✓ |
| New driver, under 25 | $88–$125 | Basic Liability | ✓ |
| DUI on record | $105–$150 | SR-22 Required | ✓ |
| Senior driver, 65+ | $45–$65 | Full Coverage | — |
Compare Oregon auto insurance — Portland, Eugene, and statewide
Get Pacific Northwest Comparison plans starting at $40/mo — includes Licensed US Providers.
Compare Quotes NowCustomer Satisfaction & Complaint Score breakdown
Real-world claim and customer experience indicators from widely recognized insurers.
Frequently Asked Questions
Minimum auto insurance in Oregon?
Oregon requires 25/50/20 liability, PIP ($15,000), and uninsured motorist coverage at 25/50. More comprehensive minimums than most states.
Does Oregon use credit scores for insurance?
No. Oregon prohibits using credit scores in auto insurance pricing — one of few states with this protection.
Why are Portland rates higher?
Traffic density, vehicle theft (catalytic converter theft is especially high), and higher repair costs push Portland premiums above the state average.
Same-day coverage in Oregon?
Yes. Digital proof available immediately from most carriers.
Is PIP required in Oregon?
Yes. Oregon requires $15,000 PIP covering medical expenses regardless of fault.
Lower Oregon auto insurance?
Comparing carriers (especially valuable since credit isn't used), bundling, and clean driving record.