car

Oregon car insurance

You could save up to 12% when you buy customized car insurance online1
car
check mark icon
check mark icon
check mark icon
check mark icon
View of lush green evergreen trees in Oregon

Common questions about Oregon
auto insurance

Need car insurance in Oregon? Whether you live in Portland, Eugene, or Salem, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your Oregon auto insurance, so you only pay for what you need.

What car insurance is required in Oregon?

In Oregon, it's illegal to drive without insurance. Drivers in Oregon are required to have car insurance coverage for

  • Bodily Injury to others
  • Property Damage Liability
  • Personal Injury Protection (PIP)
  • Uninsured/Underinsured Motorist Coverage

Here are the minimum auto insurance limits drivers must have in Oregon.2

Coverage

Amount

Bodily Injury to others$25,000 per person and $50,000 per accident
Property Damage Liability$20,000 per accident
Personal Injury Protection$15,000 per person
Uninsured Motorist Coverage$25,000 per person / $50,000 per accident

Check out the Oregon Department of Motor Vehicles for more details.

What's considered "full coverage" car insurance in Oregon?

"Full coverage" car insurance can mean different things to different people. Legally, in the state of Oregon you're only required to have the state minimums.

However, "full car coverage" or "full coverage" is often thought of as having the state minimums and

For leased or financed cars, most lenders require having Comprehensive and Collision Coverage.

We'll make sure you get the coverage you need in Oregon when you get an online auto insurance quote.

What liability insurance is required in Oregon?

Oregon law requires you to have liability car insurance. This coverage protects others if you cause bodily harm or property damage to them. It's important to know this coverage doesn't cover you, your car, or your personal belongings.

Drivers must have a car insurance policy with the minimum coverages of

  • Bodily Injury Liability: $25,000 per person and $50,000 per accident
  • Property Damage Liability: $20,000 per accident
  • Personal Injury Protection: $15,000 per person
  • Uninsured Motorist Coverage: $25,000 per person and $50,000 per accident

Remember, this is only the minimum coverage required by law. You may want to think about increasing your limits for more financial protection. You should also consider other types of coverage that can give you even more protection.

What's the average cost of car insurance in Oregon?

The average cost of car insurance in Oregon was $1,3253 in 2021 according to thezebra.com. That's 13% lower than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.

Some people get the minimum coverage, while others prefer more protection. Liberty Mutual can save you money on Oregon auto insurance with a customized policy, so you only pay for what you need.

U.S. Map with Oregon state highlighted

What Oregon car insurance coverage is right for you?

All Oregon drivers must have the state minimum auto insurance coverages. But, based on your budget and needs, you may want to consider higher limits for more protection. We'll help you customize your Oregon car insurance to get the coverage that fits you.

See all of our auto coverage options.

What's the best car insurance in Oregon?

Liberty Mutual knows that everyone has different needs for their Oregon auto insurance. Some may want the cheapest Oregon car insurance, while others want more coverage and an auto insurance company they know they can trust. We can help you customize your Oregon car insurance, so you only pay for what you need.

Start your free quote

Who has the cheapest car insurance in Oregon?

Getting the cheapest car insurance in Oregon may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.

A Liberty Mutual auto insurance policy can cost less than you think.4

  • $817 lower than GEICO
  • $731 lower than Progressive
  • $839 lower than State Farm
  • $758 lower than Allstate

Save money with these auto insurance discounts

Switch to Liberty Mutual for car insurance and you could save over $7005
Loading...
Violation-Free Discount

Great drivers are made, not born. You'll get a discount if your driving history is violation-free.6

Learn more about Savings
Loading...
Multi-Car Discount

The more cars you insure with Liberty Mutual, the more you can save on your premium.6

Learn about Multi-Car Discounts and more
Loading...
RightTrack®

Instantly receive a 10% discount when you enroll. Complete the program and you could save up to 30% on your policy for safe driving behavior.7

Save with our safe driver program
Those are just a few of the ways we can help lower your car insurance costs.

Begin your free online quote

Loading...

Ready for a quote?

More about car insurance