Oregon Car Insurance

Car Insurance in Oregon with Competitive Rates

Are you looking for affordable car insurance in Oregon? With GEICO, you get the right combination of customer service along with competitive rates for Oregon drivers. We also offer great car insurance discounts in the Beaver State, from savings for students to premium reductions for safe drivers. Just get a fast and free car insurance quote online and see how much you could save with GEICO.

Oregon Car Insurance Requirements

Oregon law requires every driver to carry at least these minimum car insurance coverages:

Coverage Type Minimum Required Limit
Bodily Injury Liability Minimum $25,000 per person / $50,000 per accident
Property Damage Liability Minimum $20,000 per accident
Personal Injury Protection Minimum $15,000 per accident
Uninsured / Underinsured Motorist Coverage Minimum $25,000 per person / $50,000 per accident

Average Cost of Oregon Car Insurance

The average cost of car insurance in Oregon tends to fall close to the national average, sometimes coming in slightly higher or lower depending on statewide factors like population density, accident frequency, and repair and medical costs.

However, even though these elements influence Oregon’s general pricing trends, the premium you’ll personally pay is shaped far more by individual factors such as the type of car you drive, your driving history, where you live, and the level of coverage you select.

No matter how these variables are currently affecting your rate, the most effective way to save money without compromising essential protection is to take advantage of any discounts your insurer offers.

Oregon Car Insurance Discounts

GEICO offers a wide range of discounts designed to give nearly every policyholder an opportunity to qualify for meaningful savings.

From practicing safe driving habits to simply paying your premium upfront, key discounts include:

  • Pay-in-Full: Save by paying your premium upfront, eliminating installment fees and administrative costs.
  • DriveEasy*: Receive savings by tracking your safe driving behaviors when participating in DriveEasy through the GEICO Mobile App.
  • Multi-Policy: Provides savings when you bundle multiple insurance policies, such as auto coverage and homeowners insurance.
  • Safety Features: Vehicles equipped with safety measures like anti-lock brakes and airbags may qualify for discounts, as these reduce the risk of accidents and injuries.

Browse all personal auto insurance discounts

Contact an Oregon Car Insurance Agent

One of the features of Oregon car insurance with GEICO is that you have access to file a claim or get in touch with customer service over the phone, online, or on the GEICO Mobile app. But we also have you covered for those times when you prefer to speak directly with a local agent. Contact us or connect with a customer service agent and get answers to all of your questions about Oregon car insurance or any of our insurance policies.

What to Do If You Have a Car Accident in Oregon

If you are involved in a traffic accident in the state of Oregon, you must file a Traffic Accident and Insurance Report with the Oregon Department of Motor Vehicles (DMV), even if there was a police report filed. Your report must be filed within 72 hours, show the name of your liability insurance company and the policy number. Make sure your vehicle is covered and you have proof of car insurance in Oregon before you drive.

Oregon Auto Insurance FAQs

  • Why is car insurance so high in Oregon?

    Car insurance can be high in Oregon because weather events like droughts, wildfires, and floods lead to more claims, which drives premiums up. Your rate can also vary based on where you live in the state, but taking advantage of available discounts can help lower your costs.

  • Is Oregon a no-pay-no-play state?

    Yes—Oregon follows a “No Pay, No Play” rule, meaning uninsured drivers cannot recover non-economic damages even if they weren’t at fault.

  • What is “full coverage” Oregon car insurance?

    There’s no true “full coverage” policy since no plan covers every possible situation, but combining liability, collision, comprehensive, UM/UIM, and optional add-ons can offer much broader protection than the state-required minimums.

Please note:

*DriveEasy is an optional program that is not available in all states and situations. Premium rates generally will vary based on participation in the program and the driving habits logged by the app. All enrolled drivers on a policy need to participate. Driver enrollment requirements differ by state and program details and are presented during your quote.

For more information, see our GEICO Mobile User Agreement and our Text Messaging Terms and Conditions.