Get the Cheapest Car Insurance Quotes in Oregon

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Cheap Car Insurance Costs in Oregon

“The Beaver State” is the western half of a forested wilderness with rivers, lakes and ocean views to rival the best. The eastern half of Oregon is a frontier of American desert, home to wilderness wildlife and vegetation with much variety. Mt. Hood and the Columbia Gorge are popular attractions for tourists and residents, and drivers can take Route 1 along the coastal cliffs for inspiring sunsets. CheapCarInsurance.net has brought together Oregon’s car insurance information so the state’s drivers can get out and enjoy varied climates with no hassles.

• Oregon state Minimum Liability costs $80 a month or $1,000 a year. Full Coverage costs around $225 a month or $2,665 a year.

^{CheapCarInsurance pulls cost data from recent real time auto policy quotes across the state. Data is based on a driver profile of a single person with a clean driving record that is middle aged and drives a modern vehicle.} 

Auto Policy Rates by OR County & Vehicle Types

Your price quotes will vary based on your vehicle type, city, driving history and personal demographics.

It’s always smart compare multiple quotes before choosing an affordable policy option from a provider. We provide a table below from our personal database of drivers in the state in recent years below by vehicle type and your current county:

Cheap Oregon Auto Insurance Providers

• In Oregon the cheapest auto insurance providers on average are Progressive, State Farm and GEICO. Minimum liability starts at just $64 a month or $768 yearly. Full coverage costs around $198 a month or $2,370 yearly.

Minimum Car Insurance Needed

• Oregon requires all vehicles to maintain Liability, Personal Injury and Uninsured Motorist Insurance on all Oregon-registered vehicles. The state Department of Motor Vehicles (DMV) has produced a helpful brochure entitled Consumers’ Guide to Car Insurance for residents looking to insure their vehicle.
• Liability and Uninsured Motorist minimums:
  • $25,000 per individual.
  • $50,000 per accident involving injury.
  • $25,000 per accident to cover property damages.
• Personal Injury Protection minimums:
  • $15,000

New Driver License Requirements

• All drivers in Oregon must possess a drivers license to operate a vehicle within the state. New drivers ages 15 to 17 may apply for a Provisional Permit to gain more driving practice before applying for a full license. With this permit, the driver is restricted to driving only with a licensed driver who is 21 years old, has held a license for at least 3 years and occupies the seat next to the driver. The applicant must:
  • Pass the knowledge test and the vision screening
  • Maintain the permit for at least 6 months
  • Must either complete a driver education course and 50 hours of driving, OR,
  • 100 hours of driving
  • Cell phone use (handheld, hands-free and texting) is prohibited.
• Provisional License. This license holds several restrictions and requirements:
  • First 6 months:
    • The applicant may not carry unrelated passengers under age 20.
    • The applicant is restricted from driving between 12am and 5 am.
  • Second 6 months:
    • The passenger requirement is limited to 3 unrelated passengers under the age of 20.
    • The applicant is restricted from driving between 12am and 5 am.
  • Cell phone use (handheld, hands-free and texting) is prohibited
• Once the applicant has satisfied the requirements for the permit and the provisional license, he/she may apply for a full Class C License.
• Vision Screening. Oregon tests driver’s eyesight when getting a new license and at every 8-year license renewal after reaching age 50. A visual acuity of 20/70 and field of vision of at least 110 degrees is required to pass the test. Daylight driving restrictions may be given to applicants with a visual acuity between 20/40 and 20/70. Corrective lenses may be worn.
• Written Test. Applicants test their knowledge of the Oregon Driver’s Manual on the written test. The DMV offers two practice tests on their website.
• Road Test. The Oregon Driver’s Manual outlines the skills needed to pass the test. The applicant must furnish the vehicle, and the vehicle must be safe, registered and insured. The road test requires the applicant to demonstrate various driving skills while controlling and maneuvering his/her vehicle safely.
• Upon failing the driving test, applicants under 18 years of age must wait 28 days to re-take it, and drivers 18 and over must wait 7 days.
• Fees. The fees for Oregon driver licensing:
  • Regular Class C: $60
  • Instruction Permit: $23.50

DUI and DWI Laws of the State

• BAC limit: .08 Oregon Law outlines the following penalties for an Oregon DUI conviction:
• First Offense:
  • Jail: 48 hours to 1 year
  • License suspension: 1 year
  • Fine: maximum $2,000
  • Ignition Interlock Required
• Second Offense within 10 Years:
  • Jail: maximum 1 year
  • License suspension: 3 years
  • Fine: $2,000 to $10,000
  • Ignition Interlock Required
• Third Offense within 5 Years:
  • Jail: maximum 5 years
  • License suspension: permanent suspension
  • Fine: $2,000 to $10,000
• Refusals have the following penalties:
  • First offense: 1-year suspension and $1,000 maximum fine
  • Second Offense: 3-year suspension and $1,000 maximum fine
  • Third Offense: 3-year suspension and $1,000 maximum fine
• Oregon holds to a Zero Tolerance Law with underage drinking and driving convictions.