- What Does Liability Only Car Insurance Cover ?
- How to Understand Oregon Liability Insurance Limits
- Cost For Oregon Liability Insurance (By City)
- Who Has The Lowest Liability Price? (By City)
- Liability Insurance V.S. Full Coverage Rates in Oregon
- Should I Upgrade To Full Coverage? Cost By City
- Cheap Auto Insurance Rates in Oregon with an At-Fault Accident
- Frequently Asked Questions about Oregon Liability Insurance
- Frequently Asked Questions About Oregon Liability Insurance
- What We Do at A Plus Insurance
What Does Liability Only Car Insurance Cover ?
When shopping around for car insurance it is very common to obtain liability insurance but you may wonder what does Oregon liability insurance cover? Oregon liability insurance covers the damages or injuries that you cause to others in an accident however this coverage will not pay for any damages made to yourself nor your vehicle. Liability is split into two different types of coverages that include bodily injury and property damage.
Bodily Injury covers the injuries that the passengers of the other vehicle sustain while property damage pays for the aftermath of the vehicle or property if you are considered at fault for said accident but keep in mind that property damage does not cover damages for your own vehicle. Furthermore, when getting liability insurance you can also get higher liability limits than required to help cover more of the damages that you caused but the only way you can have coverage that pays for your car damages or your injuries would be to obtain full coverage.
There can also be a requirement to have some other coverages such as Personal Injury Protection, Uninsured and Underinsured Motorist, and Medical Payments.
Listed below explains why these coverages can be important to obtain:
Personal Injury Protection: PIP is responsible for paying for you and your passengers medical bills in any event you are injured in an accident no matter who is actually at fault.
Uninsured and Underinsured motorist: This coverage is responsible for paying for any type of injuries you sustain if you are hit by a driver who either does not have any insurance coverage or does not have enough limits on their policy to be able to pay for any damages or injuries. Uninsured and underinsured motorist is also responsible for covering for you if you are a pedestrian and you sustain injuries from a driver who is not insured or if you are a victim of a hit-and run incident.
How to Understand Oregon Liability Insurance Limits
Oregon liability insurance is typically split up into the three main limits that include bodily injury limit per person, bodily injury limit per accident, and property damage liability limit per accident. Bodily injury per person is the maximum limit that your insurance carrier will pay for the person’s injuries after an accident however once it goes over limit you have to pay what’s left out of pocket.
Who Can Help You Find Cheap Oregon Liability Insurance?
When looking for cheap Oregon liability insurance there are many key components you should keep in mind such as where or who you should speak to or go to get insurance whether that be a captive agent, an independent insurance broker, or speaking with the carrier on the phone or online. The main differences between each option are listed below:
Captive Agent: A captive agent is someone with who you build a long-term relationship that’s a representative of your carrier of choice. When you create this relationship you can continue to go to them whether it’s a problem with your policy, or if you are needing to make a claim. However, some of the downsides to this are you can only shop around for different quotes and prices in that company and coverage could possibly rise and be more expensive.
Independent Insurance Broker: When dealing with an independent insurance broker one of the pros is the agent can compare rates and discounts with multiple carriers within that company and can give you clear advice on which insurance would work best for you unfortunately when using an insurance broker there may be added fees to the policy.
Over the Phone / Online: When speaking with the carrier on the phone or looking up quotes online it can be helpful to go by this method because it can help cut out the middleman and help you be more knowledge about insurance and what discounts and what carrier works best for you since you have to do your own research.
Therefore, you will have to spend more time looking for the right insurance for you because you are on your own looking at quotes and in any event you are in an accident or your vehicle gets stolen it can be difficult trying to get help without a personal insurance agent.
Cost For Oregon Liability Insurance (By City)
| City | Price |
|---|---|
| White City | $105.00 |
| Klamath Falls | $107.00 |
| Wilsonville | $105.00 |
| Sandy | $102.00 |
| Cornelius | $100.00 |
| Hayesville | $100.00 |
| Bethany | $99.00 |
| Beaverton | $89.00 |
| Oatfield | $101.00 |
| Ontario | $99.00 |
| McMinnville | $100.00 |
| Eugene | $110.00 |
| Dallas | $110.00 |
| Tualatin | $101.00 |
| Salem | $104.00 |
| The Dalles | $106.00 |
| La Grande | $99.00 |
| Molalla | $107.00 |
| Central Point | $98.00 |
| Corvallis | $100.00 |
| Oak Hills | $101.00 |
| Bend | $101.00 |
| Baker City | $86.00 |
| Florence | $107.00 |
| Cottage Grove | $93.00 |
| West Linn | $107.00 |
| Springfield | $109.00 |
| Eagle Point | $106.00 |
| North Bend | $109.00 |
| Sweet Home | $95.00 |
| West Haven-Sylvan | $91.00 |
| Albany | $99.00 |
| Newport | $106.00 |
| Four Corners | $87.00 |
| Astoria | $110.00 |
| Monmouth | $86.00 |
| Prineville | $86.00 |
| Coos Bay | $104.00 |
| Forest Grove | $99.00 |
| Lincoln City | $95.00 |
| St. Helens | $105.00 |
| Portland | $106.00 |
| Sherwood | $100.00 |
| Ashland | $106.00 |
| Fairview | $93.00 |
| Milwaukie | $103.00 |
| Redmond | $86.00 |
| Gladstone | $102.00 |
| Oak Grove | $95.00 |
| Keizer | $93.00 |
| Altamont | $97.00 |
| Independence | $90.00 |
| Lake Oswego | $102.00 |
| Happy Valley | $91.00 |
| Newberg | $86.00 |
| Rockcreek | $91.00 |
| Cedar Hills | $86.00 |
| Oregon City | $108.00 |
| Tigard | $96.00 |
| Cedar Mill | $90.00 |
| Pendleton | $104.00 |
| Woodburn | $86.00 |
| Hillsboro | $100.00 |
| Silverton | $108.00 |
| Medford | $87.00 |
| Bull Mountain | $110.00 |
| Troutdale | $98.00 |
| Lebanon | $108.00 |
| Grants Pass | $86.00 |
| Damascus | $105.00 |
| Roseburg | $108.00 |
Who Has The Lowest Liability Price? (By City)
| City | Company |
| Molalla | The General |
| The Dalles | The General |
| White City | Geico |
| Astoria | Geico |
| Eagle Point | National General |
| Florence | The General |
| Tualatin | Progressive |
| Gladstone | Geico |
| Roseburg | The General |
| Hayesville | The General |
| St. Helens | Progressive |
| Keizer | Progressive |
| Bend | Progressive |
| Sherwood | Progressive |
| Silverton | Progressive |
| Redmond | Progressive |
| Cedar Mill | Liberty Mutual |
| Damascus | Dairyland* |
| Springfield | The General |
| Forest Grove | Progressive |
| Lincoln City | The General |
| Wilsonville | Liberty Mutual |
| Happy Valley | National General |
| Ashland | Geico |
| Grants Pass | Liberty Mutual |
| Milwaukie | Progressive |
| Independence | Liberty Mutual |
| Cornelius | Progressive |
| Cedar Hills | National General |
| Prineville | Progressive |
| Canby | Progressive |
| Aloha | The General |
| Oak Hills | Geico |
| Klamath Falls | Progressive |
| North Bend | Progressive |
| West Haven-Sylvan | Liberty Mutual |
| Four Corners | Liberty Mutual |
| Corvallis | Geico |
| Oatfield | The General |
| Eugene | Progressive |
| Oak Grove | Liberty Mutual |
| Newberg | Dairyland* |
| Gresham | Progressive |
| Monmouth | Liberty Mutual |
| Altamont | Geico |
| Oregon City | Bristol West |
| Pendleton | The General |
| Bull Mountain | The General |
| Ontario | Bristol West |
| Sweet Home | Liberty Mutual |
| Albany | Progressive |
| Beaverton | Geico |
| Dallas | Progressive |
Liability Insurance V.S. Full Coverage Rates in Oregon
The difference between Liability Insurance and Full Coverage is that full coverage includes bodily injury and property damage with additional coverage such as comprehensive and collision to cover damages to your own vehicle.
Listed below are the different rates between the two:
Oregon Full Coverage Rates
| National General | $126 |
| American Family | $141 |
| Bristol West | $141 |
| Nationwide | $147 |
| Assurance America | $154 |
| Acceptance RTR | $155 |
| Progressive Insurance | $158 |
Oregon Liability Insurance Rates
| The General | $90 |
| Progressive Insurance | $93 |
| Dairyland | $97 |
| USAA | $103 |
| National General | $107 |
| Mendota Ins. Company | $111 |
Should I Upgrade To Full Coverage? Cost By City
| City | Average Price |
|---|---|
| Lebanon | $157 |
| Tualatin | $147 |
| Bull Mountain | $178 |
| Fairview | $172 |
| Ontario | $157 |
| Roseburg | $149 |
| Cottage Grove | $167 |
| Four Corners | $178 |
| Cornelius | $182 |
| Beaverton | $177 |
| Forest Grove | $164 |
| White City | $146 |
| Hillsboro | $153 |
| West Linn | $170 |
| Cedar Hills | $156 |
| Gladstone | $152 |
| Altamont | $172 |
| Oregon City | $153 |
| Hermiston | $162 |
| Oak Hills | $170 |
| Oak Grove | $165 |
| Astoria | $168 |
| Klamath Falls | $153 |
| Damascus | $182 |
| Canby | $166 |
| Sweet Home | $161 |
| Albany | $181 |
| Silverton | $154 |
| Pendleton | $181 |
| Coos Bay | $148 |
| Independence | $178 |
| Sandy | $157 |
| Keizer | $152 |
| Milwaukie | $150 |
| Springfield | $170 |
| Bethany | $156 |
| The Dalles | $171 |
| McMinnville | $153 |
| Lake Oswego | $176 |
| Newport | $147 |
| Grants Pass | $150 |
| Wilsonville | $166 |
| Troutdale | $177 |
| Gresham | $166 |
| Molalla | $157 |
| St. Helens | $174 |
| La Grande | $174 |
| Happy Valley | $149 |
| Eugene | $166 |
| Tigard | $147 |
Cheap Auto Insurance Rates in Oregon with an At-Fault Accident
| National General | $151 |
| Nationwide | $154 |
| 21st Century | $162 |
| Acceptance RTR | $162 |
| The General | $163 |
| Geico | $164 |
| GAINSCO | $166 |
Frequently Asked Questions about Oregon Liability Insurance
Frequently Asked Questions About Oregon Liability Insurance
Q1: What is Oregon liability insurance, and why is it important?
Oregon liability insurance is a type of auto insurance that helps cover costs associated with bodily injury and property damage to others in an accident you’re found responsible for. It’s important because it’s legally required in Oregon, and it protects you from financial responsibility in case of an accident.
Q2: What are the minimum liability insurance requirements in Oregon?
In Oregon, the minimum liability insurance requirements are typically expressed as 25/50/20, which means you need at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $20,000 in property damage coverage. However, it’s advisable to consider higher coverage limits for better protection. Drivers are also required to carry $15,000 in PIP and 25/50 in Uninsured Motorist Protection.
Q3: Can I get additional coverage options with my Oregon liability insurance policy?
Yes, you can often add additional coverage options to your Oregon liability insurance policy, such as uninsured/underinsured motorist coverage, medical payments coverage, and personal injury protection (PIP). These options provide extra protection in various situations and can be tailored to your needs.
Q4: What does liability insurance in Oregon cover?
Liability insurance in Oregon covers the costs associated with bodily injury and property damage to others in an accident for which you are found responsible. This includes medical expenses, property repair or replacement, and legal expenses up to the policy limits.
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Last Updated on by Brian Muse