You can ride 122,395 miles of smooth roads across the Beaver state. Driving through Oregon is fun. You can enjoy the culinary delights in Portland at their food trucks. You can absorb the rich history of Oregon and explore its pioneer lands. Every road in Oregon can take you on an adventure. To make sure you enjoy the adventure, we help you to find the best car insurance in Oregon.
In general, when the drivers of a state have good driving records, low speeding tickets or DUI citations, the insurance premiums are low. If the number of at-fault accidents is low, the insurance premiums are low. This makes it easy to find great deals so that you get the best car insurance in Oregon. The good news for Oregon drivers is that since they drive safe and avoid at-fault accidents, they have an insurance premium which is on average much lower than the national average.
They also get an option of safe-driving bonus from some car insurance providers. The discount amounts vary but it can be anywhere between 5 to 10%.
Since the rate of accidents in Oregon is significantly lower than the national accident average, car insurance in Oregon is in general lower than in other states.
When you are in the state of Oregon, there is a minimum coverage that you need for your auto insurance. It is as below:
Normal Liability
- Bodily Injury per person $25,000
- Bodily Injury per accident $50,000
- Property Damage per accident $20,000
Underinsured/ Uninsured Motorist Liability
- Bodily Injury per person $25,000
- Bodily Injury per accident $50,000
Personal Injury Protection (PIP)
- $15,000 per person
In addition to the above, you can also opt for the below optional coverage. The options may vary with the insurer you choose:
- Comprehensive
- Loan/Lease Payoff
- Collision
- Roadside Assistance
- Rental Car Reimbursement
- Uninsured Motorist Property Damage
In Oregon, liability coverage is required as a legal condition. If you are “at fault” then you need to pay for lost wages and for the injury that you may cause to the driver or the passengers of the other vehicle. In addition to that, you are liable for the damage to the vehicle of the other driver. In Oregon, the minimum is 25/50/20 as explained above.
Types of Coverage for Best Auto Insurance in Oregon
The numbers above are only the minimum that you require. In addition to that, it is always advisable to get a higher insurance cover so that you won’t have to pay from your pocket in case the amount of damage exceeds the insurance cover. As mentioned above, you can also go for various options like Comprehensive cover which helps in case of auto theft, etc. Naturally, the more the options you choose, the higher your insurance premium would be. It is always advisable to choose the options which you feel would be necessary while making sure that the premium is affordable but also get the best auto insurance in Oregon. You also have an option to choose the amounts for each of the optional coverage items.
Factors that Determine Best Car Insurance in Oregon
Depending on the city that you live in, in Oregon, your insurance premium can vary. The more densely populated your city, the higher the car insurance premium is, in general. The cities that are near the north part of the state around Portland have the highest insurance rates in Oregon. The Top 5 cities in the state average 35% more than the state average. You can also check the best car insurance companies in the United States.
There are other factors too that impact the price of your insurance premium. Your age, the age of your car, the vehicles you insure, etc are a few important factors. The make and model of your car along with its safety features is important. Your driving record is very important. Since there is a wide difference in the insurance premiums depending on a lot of factors, it is best to check various providers and then zone in on one auto insurance plan.
Finally, when you decide on the insurer, make sure that the insurer is reputed. For this, we suggest that you check the ratings of the insurer on NAIC (national association of insurance commissioners) which have unbiased ratings for each insurance company.
