Best Insurance Quotes in Oregon: Your Ultimate Guide

Seeking the best insurance rates in Oregon? A Plus Insurance offers tailored quotes, ensuring the perfect coverage at the best prices.

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Oregon State Liability Requirements

Required Liability Coverage:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$20,000 property damage liability per accident
Uninsured Motorist Coverage: 25/50
$15,000 Personal Injury Protection

State Minimum Car Insurance Requirements in Oregon

When you’re searching for insurance quotes in Oregon, it’s crucial to understand the state’s minimum car insurance requirements. In Oregon, these requirements are in place to ensure that all drivers carry a basic level of liability coverage for protection on the roads. Here’s what you need to know:

  • Liability Coverage: Oregon law mandates that every driver has liability insurance to cover injuries to others and property damage in an accident you cause.
  • Personal Injury Protection (PIP): This coverage is also required and helps with medical expenses regardless of who caused the accident.

Staying informed about these requirements is the first step in receiving accurate insurance quotes in Oregon. Remember, while these are the minimums, considering more comprehensive coverage can offer greater peace of mind.


Oregon State Minimum Car Insurance Requirements

Coverage TypeMinimum Requirement
Bodily Injury Liability$25,000 per person / $50,000 per accident
Property Damage Liability$20,000 per accident
Personal Injury Protection (PIP)$15,000 per person

Note: These figures are the legal minimums required in Oregon.

Best Liability Only Auto Insurance Rates in Oregon

Finding the best liability-only auto insurance rates in Oregon requires a keen understanding of coverage needs. Opting for liability-only coverage offers basic protection, often meeting state requirements while potentially offering cost-effective options. Key insurers providing competitive rates in Oregon for liability-only coverage can be found in the chart below. Remember, while selecting liability-only insurance may lower premiums, it’s vital to assess your coverage needs adequately.

Insurers with Estimated Rates for Liability-Only Coverage in Oregon:

Insurance CompanyAnnual Premium Estimate
Progressive$500
Dairyland$480
Travelers$520
Gainsco$550
Assurance$490
National General$510
Bristol West$530
Mendota$480
The General$520
Suncoast$500

Please note: The figures provided are estimations and should be verified with each insurer directly for accurate rates in Oregon.

Cheapest Full Coverage Insurance in Oregon

Finding the most affordable insurance quotes in Oregon for full coverage policies means looking beyond the price tag. Full coverage, encompassing both collision and comprehensive insurance, is crucial for thorough protection on the road. Here’s how you can find the best rates:

  • Compare Multiple Quotes: Rates for full coverage insurance can vary significantly among providers. Always compare quotes from different insurers to find the best deal.
  • Check for Discounts: Many insurers offer discounts for safe driving, anti-theft devices, and more. Make sure to inquire about these when getting your insurance quotes in Oregon.

Opting for the cheapest full coverage insurance should never mean compromising on quality. Ensure your policy gives you the protection you need at a price that fits your budget.


Rate Comparison for Full Coverage Insurance in Oregon

Insurance CarrierStandard Annual PremiumPremium with Discounts
Progressive$1,400$1,260
National General$1,350$1,215
Travelers$1,300$1,170

Note: These rates are estimates and can vary based on individual circumstances and available discounts.


This guide, along with the table, aims to provide a clear overview of finding cost-effective full coverage insurance options in Oregon. The table illustrates how rates can differ and the impact of discounts on premiums, emphasizing the importance of thorough research when looking for insurance quotes in Oregon.

Top Car Insurance Discounts in Oregon

When hunting for insurance quotes in Oregon, tapping into various car insurance discounts can lead to substantial savings. In Oregon, insurers offer a variety of discounts that can significantly lower your premiums. Consider these:

  • Safe Driver Discounts: For those with a clean driving record, many insurers provide discounts as a reward for safe driving habits.
  • Multi-Policy Discounts: Bundling your car insurance with other policies like homeowners or life insurance can unlock extra savings.

Utilizing these discounts can significantly reduce the cost of your car insurance in Oregon. It’s worth discussing with your insurer or agent to see what specific discounts you qualify for, ensuring you get the best insurance quotes in Oregon.


Car Insurance Discount Comparison in Oregon

Insurance CarrierStandard Annual PremiumPremium with Discounts
Progressive$1,200$1,080
National General$1,150$1,035
Travelers$1,100$990

Note: These figures are estimates and may vary based on individual eligibility for discounts.


This guide, along with the table, offers insights into the types of discounts available for car insurance in Oregon. The table provides a quick comparison to help you understand how much you can save by taking advantage of various discounts, making your search for insurance quotes in Oregon more effective.

Least Expensive SR22 Car Insurance in Oregon

When seeking the Least Expensive SR22 Car Insurance in Oregon, cost efficiency becomes crucial. Our brokerage streamlines this search by providing a comprehensive breakdown of rates from reputable insurance carriers in Oregon. Here’s a comparative chart showcasing the estimated annual premiums for SR22 policies from select carriers:

Insurance CompanyEstimated Annual PremiumsAdditional Notes
Progressive$820Safe Driver Discounts
Dairyland$780Multi-Policy Discount
Travelers$850Good Student Discount
Gainsco$800Safe Driver Discounts
Assurance$830Multi-Policy Discount
National General$795Safe Driver Discounts
Bristol West$810Good Student Discount
Mendota$840Safe Driver Discounts
The General$860Multi-Policy Discount
Suncoast$805Safe Driver Discounts

Each carrier offers unique discounts, making it essential to explore options and potential savings. These estimated premiums provide a starting point for finding cost-effective SR22 insurance in Oregon.

SR22 Insurance Process

01.

Consultation​

We gather detailed information, ensuring you have all the facts before making a decision.

02.

Quote

Receive your SR22 insurance quote, customized to your unique needs and credit profile

03.

Filing

We work closely with the insurance carrier to ensure that the sr22 is filed with the state

04.

Policy Management

Our policy service doesn’t end once the documents are signed. We’re here for you, month to month.

Most Affordable Broadform/NonOwners Car Insurance in Oregon

In Oregon, finding affordable options for broadform or non-owners car insurance is key for drivers who don’t own a car but still need insurance coverage. When seeking insurance quotes in Oregon, these policies can provide you with necessary liability coverage while keeping costs low. Key aspects to consider include:

  • Flexibility of Coverage: Broadform and non-owners insurance policies are excellent for drivers who frequently rent or borrow vehicles, providing essential liability coverage.
  • Rate Comparison: Since rates vary between insurers, comparing insurance quotes in Oregon for these specific policies is crucial to find the most cost-effective option.

Navigating the world of non-owners and broadform insurance in Oregon doesn’t have to be complex. By understanding your coverage needs and comparing rates, you can secure affordable insurance that fits your unique situation.


Broadform/NonOwner Car Insurance Rate Comparison in Oregon

Insurance CarrierEstimated Annual PremiumCoverage Type
Progressive$550Non-Owner
National General$580Broadform
Travelers$610Non-Owner

Note: These figures are estimates and may vary based on individual circumstances.

How to Save Money on Homeowners Insurance in Oregon

Seeking ways to reduce the cost of your homeowners insurance in Oregon? You’re not alone. Many Oregonians are looking for effective strategies to lower their premiums without sacrificing coverage. Here are some tips for getting the most out of your insurance quotes in Oregon:

  • Increase Your Deductible: A higher deductible usually means lower premiums. Just ensure it’s an amount you can afford if you need to file a claim.
  • Bundle Policies: Combining your homeowners insurance with auto or life insurance can result in discounts, making your overall insurance costs more manageable.

Remember, understanding your policy and shopping around for insurance quotes in Oregon can lead to significant savings on your homeowners insurance.


Homeowners Insurance Savings Comparison in Oregon

Insurance CarrierStandard Annual PremiumPremium with Higher Deductible
Progressive$1,200$1,080
National General$1,150$1,035
Travelers$1,100$990

Note: These figures are estimates and can vary based on your policy choices.


This guide, along with the comparison table, is designed to offer practical tips on reducing homeowners insurance costs in Oregon. The table provides a snapshot of how adjusting your deductible can impact your premiums, emphasizing the importance of comparing insurance quotes in Oregon to find the best rate for your needs.

Top Rating Factors for Home Insurance in Oregon

When considering Top Rating Factors for Home Insurance in Oregon, several elements heavily influence your coverage and premiums. Here’s a breakdown of key factors:

  1. Location Specifics: Regions prone to natural disasters or higher crime rates may impact your premiums.
  2. Home Characteristics: The age, construction, and condition of your home are vital factors.
  3. Coverage Limits: Higher coverage limits often mean higher premiums but offer better protection.

Here’s a comparison of estimated annual premiums for standard home insurance policies in Oregon from prominent carriers:

Insurance CompanyEstimated Annual PremiumsAdditional Notes
State Farm$1,250Multi-Policy Discounts
Farmers$1,200New Home Discounts
Allstate$1,300Enhanced Coverage

Understanding the Top Rating Factors for Home Insurance in Oregon involves recognizing how insurers like State Farm, Farmers, and Allstate assess premiums. Factors like multi-policy discounts, new home incentives, and extended coverage options play crucial roles in determining your home insurance rates. These estimates offer insights into the pricing variations among carriers in Oregon.

Best Motorcycle Insurance in Oregon

Exploring the scenic roads of Oregon on a motorcycle? Ensuring you have the best motorcycle insurance is as crucial as your bike itself. When searching for insurance quotes in Oregon, consider the following for comprehensive coverage:

  • Customized Policies: Look for insurance options that cater specifically to your riding style and bike type. Tailored policies can provide better protection and often, more value.
  • Discounts and Benefits: Many insurers in Oregon offer discounts for safe riders, multiple policies, or advanced riding courses. These can significantly lower your premiums.

It’s not just about finding the cheapest option; it’s about securing the best coverage for your needs. Comparing insurance quotes in Oregon will help you ride with confidence, knowing you’re well protected.


Motorcycle Insurance Rate Comparison in Oregon

Insurance CarrierStandard Annual PremiumPremium with Discounts
Progressive$800$720
Dairyland$780$702
National General$750$675

Note: These figures are estimates and can vary based on your specific bike and riding history.


This guide, alongside the comparison table, aims to provide insights into finding the best motorcycle insurance in Oregon. The table illustrates potential premium differences and the impact of available discounts, emphasizing the importance of thorough research and comparison when looking for insurance quotes in Oregon.

Business Liability Insurance in Oregon

Exploring Oregon’s Top 50 Cities for Insurance Quotes

When it comes to auto insurance rates in Oregon, your location plays a significant role. Factors like population density, traffic congestion, crime rates, and weather patterns can influence premiums. Here’s a list of the top 50 cities in Oregon, each with its unique characteristics impacting auto insurance costs.

List of Top 50 Cities in Oregon with Brief Descriptions:

  1. Portland: Oregon’s largest city faces higher rates due to traffic density and a higher frequency of claims.
  2. Salem: Lower premiums are common here owing to fewer traffic incidents compared to larger cities.
  3. Eugene: Moderate rates prevail with its mix of urban and suburban driving conditions.
  4. Gresham: Slightly elevated rates due to increased vehicle theft and traffic congestion.
  5. Hillsboro: Rates tend to be lower owing to a balanced mix of residential and commercial zones.
  6. Beaverton: Relatively competitive rates due to its lower crime rates compared to larger cities.
  7. Bend: Generally lower rates due to its smaller population and fewer traffic incidents.
  8. Medford: Moderate rates influenced by local traffic patterns and regional crime rates.
  9. Springfield: Rates mirror neighboring Eugene due to their similar driving conditions.
  10. Corvallis: Typically lower premiums due to its smaller size and lower traffic density.
  11. Albany: Offers moderately lower rates due to its suburban setting and moderate traffic flow.
  12. Tigard: Competitive rates thanks to a well-balanced urban infrastructure and lower crime rates.
  13. Lake Oswego: Generally higher rates due to the city’s affluence and higher vehicle values.
  14. Keizer: Offers slightly lower premiums with fewer traffic incidents compared to larger cities.
  15. Grants Pass: Moderate rates affected by regional traffic patterns and local crime rates.
  16. Oregon City: Balanced rates influenced by its mix of residential and commercial areas.
  17. McMinnville: Generally lower premiums owing to its smaller population size.
  18. Redmond: Offers competitive rates due to lower population density and fewer traffic incidents.
  19. Tualatin: Slightly elevated rates due to its proximity to busier urban centers.
  20. West Linn: Generally higher rates due to the city’s affluent neighborhoods and vehicle values.
  21. Woodburn: Moderately lower rates influenced by its suburban setting and traffic flow.
  22. Forest Grove: Offers competitive rates due to a balanced mix of urban and rural areas.
  23. Newberg: Generally lower premiums owing to its smaller size and fewer traffic incidents.
  24. Wilsonville: Slightly elevated rates due to its proximity to major highways and commercial zones.
  25. Roseburg: Moderate rates affected by regional traffic patterns and local crime rates.
  26. Klamath Falls: Offers lower premiums owing to its smaller population and traffic flow.
  27. Ashland: Generally higher rates due to the city’s tourist traffic and vehicle values.
  28. Milwaukie: Balanced rates influenced by its urban infrastructure and residential areas.
  29. Sherwood: Offers competitive rates with lower crime rates compared to nearby cities.
  30. Central Point: Moderate rates affected by regional traffic patterns and local crime rates.
  31. Hermiston: Offers moderately lower rates due to its suburban setting and moderate traffic flow.
  32. Pendleton: Generally competitive rates owing to its smaller population size and traffic conditions.
  33. Troutdale: Slightly elevated rates influenced by its proximity to busier urban centers.
  34. Lebanon: Generally lower premiums due to its smaller size and fewer traffic incidents.
  35. Coos Bay: Moderate rates affected by regional traffic patterns and local crime rates.
  36. The Dalles: Offers lower premiums owing to its smaller population and traffic flow.
  37. Dallas: Generally balanced rates influenced by its mix of residential and commercial areas.
  38. La Grande: Competitive rates owing to its smaller population size and traffic conditions.
  39. St. Helens: Slightly elevated rates due to its proximity to larger urban areas.
  40. Cornelius: Generally lower premiums owing to its smaller size and traffic incidents.
  41. Gladstone: Offers competitive rates with its balanced mix of urban and suburban areas.
  42. Ontario: Moderate rates influenced by regional traffic patterns and local crime rates.
  43. Canby: Generally lower premiums due to its smaller size and traffic incidents.
  44. Newport: Competitive rates owing to its coastal setting and traffic flow.
  45. Prineville: Offers balanced rates influenced by its mix of residential and commercial zones.
  46. Independence: Slightly elevated rates due to its proximity to larger urban areas.
  47. Florence: Generally lower premiums owing to its coastal location and traffic incidents.
  48. Baker City: Offers competitive rates with its smaller population size and traffic conditions.
  49. Lafayette: Moderately lower rates influenced by its suburban setting and moderate traffic flow.
  50. Silverton: Generally balanced rates owing to its mix of urban and rural areas.

Why Would I Need An SR22?

An SR-22 is a certificate proving you have the required liability coverage, often mandated after serious driving offenses. Reasons for needing one include DUI convictions, multiple traffic violations, or driving without insurance.

DUI Conviction
Traffic Offenses
No Insurance
License Suspension
Accident Involvement
Reckless Driving

How to Get a Free Insurance Quotes in Oregon

01.

Contact Us​

Start by reaching out to us, either online, by phone, or in person. Provide basic personal and vehicle information to initiate the quote process.

02.

Details

Provide more detailed information about your driving history, the vehicle you wish to insure, and any specific coverage needs or preferences you have

03.

Quote

We will process your information and present you with a customized insurance quote, outlining coverage options and prices tailored to your needs.

04.

Decision

Review the provided quote at your leisure. If you decide to proceed, you can finalize the policy, setting up payment and coverage start dates.

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2024 Insurance quotes in Oregon

Frequently Asked Questions about Insurance Quotes in Oregon


What Are the Minimum Car Insurance Requirements in Oregon?

In Oregon, the minimum car insurance requirements are $25,000 for bodily injury per person, $50,000 per accident, and $20,000 for property damage. It’s important to consider additional coverage for better protection.

How Can I Find Affordable Insurance Quotes in Oregon?

To find affordable insurance quotes in Oregon, compare rates from various insurers, consider bundling policies, and check for discounts. For personalized assistance, call us at 1.888.445.2793.

Are There Any Discounts for Auto Insurance in Oregon?

Yes, there are discounts available for auto insurance in Oregon, such as safe driver discounts, multi-car discounts, and good student discounts. Be sure to inquire about all available discounts to maximize savings.

What is the Best Car Insurance in Oregon?

Determining the best car insurance in Oregon depends on individual preferences and needs. We recommend comparing quotes from reputable insurers, considering coverage options, and evaluating customer reviews. For personalized advice, contact our experts at 1.888.445.2793.

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Last Updated on by Lauren Mckenzie

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