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Minimum State Insurance Requirements » Oregon

25 / 50 / 20

Personal injury insurance for the driver: $25,000

(maximum benefit paid per claim after the policyholder pays the deductible)

Personal injury coverage for all people involved in an accident: $50,000

Property damage coverage per claim: $20,000



Oregon Car Insurance Information

Lucky enough to make the 25 least expensive states for annual car insurance premiums, Oregon has well over 100 insurance agencies for drivers to pick and choose from to keep costs as low as possible. Finding out those rates and getting Oregon car insurance information is made all the easier by

Oregon car Insurance Information

Oregon operates under a no-fault insurance scheme, unlike some states in the U.S. Such a policy limits how much a person injured in an auto accident is allowed to recover in terms of damages from another driver. There are states that are more lenient than the Beaver State and give more chances to collect for injury from drivers. Given that 10 percent of the cars on Oregon’s roads are uninsured, this can be somewhat risky.

Car Insurance Minimum Requirements

The minimum requirements for a car insurance policy in Oregon is one that includes $25,000 in injury liability per person, $50,000 in injury liability per accident and $20,000 in property damage coverage. While Oregon requires less than its neighbor to the West, Nevada, its minimum coverage requirements are more than its fellow Pacific Coast states. Such requirements help to provide recovery for the tens of thousands of injuries resulting from car crashes in the state each year and the hundreds of fatalities.

Car Insurance Companies

Statewide, Oregon boasts more than 100 insurance agencies that vary from small to large and offer a wide array of services. This provides drivers in the state with multiple options when seeking a new car insurance policy. Some of the agencies have an arrangement with only one national insurance company, while others are affiliated with a number of insurers. Each have their own way of offering policyholders the best rate for the coverage they need.

Free Car Insurance Quotes for Oregon

Doing your research ahead of time is a good idea if you are an Oregon driver. Visiting will give you the knowledge you need about what each insurer may quote you, given your locale and driving history. This will make any negotiations with any insurance company go smoother and more likely to side in your favor. Since is not affiliated with a specific insurance company, you can also be sure there will be no bias or sales pitch.

Car Insurance Rates

It may be the trail that has made Oregon most famous, but the state can also be proud of the fact that it ranks 26th in the nation for expensive insurance rates, placing it in the lower half of the list. The average driver in Oregon can expect to pay $1,226 per year in car insurance premiums, which is about $102.17 per month. Save for Idaho, Oregon drivers on average pay less than in neighboring states, though the difference in price to California is only a few dollars.