Auto Insurance In Oregon – The best auto insurance companies in Oregon are The General, Direct Auto, and National General. The best auto insurance companies in Oregon can save drivers hundreds of dollars a year while providing outstanding coverage and customer service. Finding the best car insurance in Oregon is especially important since the state is only 35th cheapest in the country. Auto insurance in Oregon is expensive because the state requires higher-than-average amounts, including personal injury coverage and uninsured motorist coverage.
To find the best Oregon auto insurance for different types of drivers, editors compared coverage options and rates from local, regional and national auto insurers. Below you can find the best options. Best auto insurance companies in Oregon
Auto Insurance In Oregon
The best car insurance in Oregon isn’t always the absolute cheapest. Good car insurance is more than just affordable coverage. The best auto insurance companies in Oregon also have high customer satisfaction ratings, a streamlined claims process, and helpful policy management tools.
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However, it pays to protect yourself with a great insurance carrier in Oregon. About 58,000 car accidents occur in Oregon each year, and the total damages are in the millions of dollars. The best auto insurance companies in Oregon help protect drivers with a nice combination of affordable coverage, high customer satisfaction rates, and easy claim procedures. You can find out more by checking out the details below.
You can also compare the cheapest car insurance options in Oregon to make sure you find the right one for your financial needs.
General is a licensed auto insurance agency based in Nashville, Tennessee. It is a subsidiary of PGC Holdings Corp. (PGC), and is known for offering auto insurance to high-risk drivers… show more
Based in Nashville, Tennessee and founded in 1991, Direct Auto Insurance specializes in insuring high-risk drivers. Direct car insurance is available in 14 states, including Georgia, Texas and… show more
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National General Insurance is headquartered in New York and was founded in 1939. Since then, the company has grown to become one of the largest insurance providers in… show more
Nationwide, a Fortune 100 company headquartered in Columbus, Ohio, is one of the largest and most diverse insurance and financial services organizations in the United States. It’s all over the country… show more
Esurance is an online insurance company specializing in the sale of insurance policy packages at affordable prices. The company was acquired by Allstate in a $1 billion deal in 2011. Here… show more
Amica is one of the oldest auto insurance companies in the United States, having begun business more than a century ago, in 1907. Amica coverage is available in every country, … show more
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State Farm is the largest provider of auto and home insurance policies in the United States, insuring more than 80 million people nationwide. The company is headquartered in Bloomington, … show more
American Family Insurance is a large multi-line insurance company founded in 1927. The company is headquartered in Madison, Wisconsin. Here are a few more key things to know… show more
Farmers is one of the oldest auto insurance companies in the United States, opened in 1928. Farmers Insurance Group of Companies now serves more than 50 million individual policy… show more
Founded in 1997, Homesite Insurance was one of the first businesses to allow customers to purchase home insurance directly online, in one visit. Since then, they have continued to innovate… show more
Best Cheap Car Insurance In Oregon
The best car insurance in Oregon comes from The General, based on user reviews. General has a user rating of 4.2 out of 5 on , and the company offers solid coverage options as well as nine discounts that policyholders can take advantage of.
In addition to its standard coverage options, The General offers specialized policy add-ons such as roadside assistance and custom equipment coverage. Check out the table below to learn more about the best auto insurance companies in Oregon.
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The #1 auto insurance company is State Farm because it is the largest auto insurer in the United States, with a 16% market share. State Farm insures over 80 million people and offers coverage in all 50 states.
The Best Cheap Car Insurance
Together, these 10 companies own more than 70% of the US auto insurance market share. As a result, it should come as no surprise that these companies are usually the best option for most types of drivers.
Oregon drivers require $25,000 of bodily injury liability coverage per person (up to $50,000 per accident) and $20,000 of property damage liability coverage. Oregon also requires personal injury protection (PIP) and uninsured motorist coverage. PIP pays medical expenses for you and your passengers after an accident, and UM replaces the liability insurance the at-fault driver should have had and pays your expenses up to your policy limits.
If you lease or finance your car, you may be required to carry types of coverage that are not required by Oregon law. Lenders usually require comprehensive and collision insurance. Collision insurance covers repairs to your car when you hit another car or object. If the damage to your vehicle was caused by something other than a collision – such as a natural disaster, vandalism, falling objects or animals – it will most likely be covered by comprehensive insurance. Lenders may also require gap insurance, which covers the difference between what you owe on the loan or lease and the value of the vehicle if it is stolen or destroyed.
Even if you don’t need to carry these types of optional coverage, you may still need them. You can learn more about when to opt out of extra coverage and penalties for driving without insurance in Oregon to make sure you pay for the coverage you need.
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Auto insurance in Oregon averages $67 per month for minimum coverage and $146 per month for full coverage. The cheapest insurance companies in Oregon include Geico, Country Financial, and State Farm, and getting quotes from several companies can help you find the best deal.
The average cost of car insurance in Oregon is 11% higher than the national average car insurance premium, and Oregon ranks 38th out of the 50 cheapest car insurance prices in the United States. There are several factors that affect how much you’ll pay for Oregon car insurance, including your driving record, age, location, the amount of insurance you’re buying, and the insurance company you’re buying it from.
Finally, it’s worth noting that Oregon car insurance premiums are average when compared to the cost of coverage in neighboring states like Washington and California. More details can be found in the table below.
You need $25,000 in bodily injury liability insurance per person ($50,000 per accident) plus $20,000 in property damage liability insurance to legally drive in Oregon. Liability insurance claims in Oregon can also be written as 25/50/20. In addition, Oregon drivers will need to purchase $15,000 in personal injury protection (PIP), plus $25,000 per person and $50,000 per accident in uninsured motorist coverage to meet the state’s basic auto insurance requirements.
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Although Oregon only requires 25/50/20 liability insurance, drivers should consider purchasing more coverage if they can afford it. If you cause an accident that results in damages exceeding your policy limits, you will be personally responsible for paying the difference. And no matter what, you should make sure you meet the minimum Oregon car insurance requirements to avoid facing consequences for driving without insurance.
Finally, drivers should also consider purchasing other types of car insurance to better protect themselves, given that liability insurance does not provide any coverage for your own injuries or the policyholder’s property. For example, collision insurance covers damage to the insured’s car regardless of fault. And comprehensive insurance pays if the insured’s vehicle is damaged in something other than an accident, such as a natural disaster or vandalism.
Full coverage insurance in Oregon costs an average of $293 per month. A comprehensive insurance policy typically includes collision coverage and comprehensive coverage, along with the types of coverage required by Oregon law. In Oregon, liability insurance, uninsured motorist insurance, and personal injury coverage are mandatory for all drivers.
To help drivers find the best car insurance in Oregon, we asked a group of experts the following questions. Click on the links below to find their comments and advice.
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