Car insurance in Oregon is mandatory by law, but that doesn’t have to be expensive for drivers. According to The Zebra, full coverage costs about $1,325 annually on average; which is 15% less than the national average. So whether you’re in the market for a new car or just want to make sure your current policy remains affordable, using this Oregon Car Insurance Calculator will help estimate your premium costs.
Your Oregon car insurance costs depend on a range of factors, including your age and driving history, credit score, annual miles driven and level of coverage chosen. While some factors are beyond your control, there are ways you can lower rates, including increasing your deductible or choosing a car with safety features that lower their likelihood of theft or damage.
Your location within Oregon and city are also key components in determining the cost of car insurance in Oregon, from crime rate and weather risks that your vehicle faces, to your ZIP code’s impact on accident risk and claims frequency. An outstanding credit score can save you over two times more than drivers with poor ratings!
How you drive can have a dramatic effect on your car insurance premium, with speeding tickets typically increasing rates by 36% on average. To manage these risks, try remaining on your parent’s policy until you gain more driving experience, taking a safe-driving course or selecting a smaller, safer vehicle. In the event that a ticket does come your way, State Farm and Country Financial offer the best car insurance policies in Oregon with coverage specifically for people with poor credit.
Oregon car insurance comes in many different varieties, from basic liability coverage to comprehensive and collision protection designed to safeguard both you and your vehicle against damages caused by uninsured or under-insured drivers. Your choice of car also plays a part; luxury cars tend to cost more to insure than economy models.
To assist in finding the appropriate car insurance for you, we’ve ranked Oregon’s leading providers by various categories. Use the drop-down menu to identify which providers offer cheap coverage based on your criteria before comparing quotes from multiple providers to find the most competitive offer. Start now by entering your ZIP code and answering a few quick questions to access personalized quotes from top car insurance providers in Oregon based solely on you! WalletHub editors analyzed thousands of rates from the state’s largest insurers to select the most suitable companies for each category. You can see below who are considered top insurers within each group as well as overall. Using data provided by Quadrant Information Services, our ratings took into account each company’s reputation for great customer service, affordability and coverage options.