Oregon Car Insurance: Everything You Should Know About

Oregon, situated in the Pacific Northwest of the United States, is home to numerous insurance providers. But when it comes to car insurance, which company stands out as the best choice for Oregon residents? Below, we’ve compiled a list of the top car insurance options in Oregon to help you decide which insurer aligns with your preferences.

Car Insurance Requirements in Oregon

Before delving into price comparisons and quotes, understanding Oregon’s minimum insurance requirements is essential. The mandatory minimums for car insurance in Oregon are as follows:

  • $25,000 per person in bodily injury liability
  • $50,000 per accident in bodily injury liability
  • $20,000 per accident in property damage liability
  • $25,000 per person for uninsured motorist bodily injury
  • $50,000 per accident for uninsured motorist bodily injury
  • $15,000 for personal injury protection

Best Car Insurance Options in Oregon

Here are some of the top companies offering car insurance in Oregon:

Geico:

  • Geico provides competitive rates, an extensive range of coverage options, and a user-friendly mobile app.
  • Average annual cost for full coverage: $1,353
  • Average annual cost for minimum coverage: $373

USAA:

  • Dedicated to military personnel and their families, USAA consistently receives high scores for exceptional customer service.
  • Average annual cost for full coverage: $1,062
  • Average annual cost for minimum coverage: $483

State Farm:

  • As the largest car insurance provider in the US, State Farm is popular among Oregon drivers.
  • Average annual cost for full coverage: $953
  • Average annual cost for minimum coverage: $440

The Hartford:

  • Known for exceptional customer service, The Hartford offers unique coverages like full glass coverage and gap insurance.

American Family:

  • Ideal for drivers with poor records, American Family provides various policies, including roadside assistance and rental car reimbursement.
  • Average annual cost for full coverage (poor drivers): $1,411

Capital Insurance Group:

  • Capital Auto Insurance allows drivers to personalize their policies and offers unique services like “come-to-you” auto glass repair.
  • Average annual cost for full coverage: $1,144
  • Average annual cost for minimum coverage: $540

Metromile:

  • Metromile’s pay-per-mile program is suitable for those making short trips in Oregon, allowing drivers to pay based on their actual mileage.
  • Comprehensive and collision coverage available based on driving habits.

Finding the Best Oregon Car Insurance

To find the best car insurance for your needs in Oregon:

Examine customer service reputation: Check platforms like J.D. Power and NAIC for insights into an insurer’s customer service.

Compare quotes: Obtain and compare quotes to find the most suitable coverage within your budget.

Check coverage options: Ensure the company offers the specific coverage you need in Oregon.

Cross-check financial stability ratings: Assess the insurer’s financial strength to gauge its ability to pay claims.

Conclusion

Selecting the best car insurance in Oregon is a personal decision based on individual needs. By considering factors like customer service, quotes, coverage options, and financial stability, you can make an informed choice tailored to your preferences and requirements.

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