Oregon is an idyllic state for road trips. But before setting out on your journey, be sure to have enough car insurance to protect both yourself and your vehicle with our Oregon car insurance calculator and compare rates from top providers.
Your age and location are key elements in calculating your rate, but so is your driving history. A speeding ticket could add hundreds to your premium; while DUI conviction could lead to some insurers cancelling you altogether. Luckily, some companies provide discounted rates for drivers with less-than-stellar records – we’ve identified them here!
We analyzed prices from all of Oregon’s largest auto insurers in order to select those best suited to meet your needs and budget. This process involved reviewing each company’s price, discounts, coverage options and digital tools as well as its customer satisfaction and financial strength ratings from J.D. Power and AM Best/Standard & Poor’s as well as reputation for exceptional customer service as indicated by its Better Business Bureau rating.
Your ideal car insurance should be affordable yet provide adequate protection, such as $25,000 bodily injury liability per person and $50,000 property damage liability per accident with PIP (personal injury protection). If your needs exceed these minimums, consider adding collision and comprehensive coverages which typically cost between $100-200 extra each month on top of liability limits.
Credit scores play a vital role in determining Oregon car insurance premiums and low scores will increase costs considerably. We compared insurance quotes across companies for drivers of various credit scores, and discovered that Oregon residents with excellent credit were often eligible for lower premiums than those with poor scores.
Becoming married or living with someone can bring down car insurance costs, as insurers generally consider married people safer drivers. We analyzed rates for couples and singles to see which companies offered the lowest prices; Oregon residents with partners are on average 41% cheaper than their counterparts who don’t share household chores.
Oregon drivers with DUI charges face more costly car insurance rates, on average 57% more for full coverage. We compared prices across Oregon drivers both with and without DUIs to identify which company provides the most cost-effective policies; Country Financial offered among the most reasonable premiums when considering drunk driving charges.
Assuring both your home and car with one provider can save you money; many Oregon auto insurance companies offer discounts when customers bundle policies together. New customers who purchase both policies from the same insurer could see savings of up to 20% off their average rate!