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Cheapest Car Insurance in Oregon (OR)

Cloudy, lush and wet, “The Beaver State’s” western half is a forested wilderness with rivers, lakes and ocean views to rival the best. The eastern half of Oregon is a frontier of American desert, home to wilderness wildlife and vegetation with much variety. Mt. Hood and the Columbia Gorge are popular attractions for tourists and residents, and drivers can take Route 1 along the coastal cliffs for inspiring sunsets. CheapCarInsurance.net has brought together Oregon’s car insurance information so the state’s drivers can get out and enjoy their varied climates with no hassles.

Average Car Insurance Premiums and Average Car Insurance Premiums as a Percentage of Income

Oregon’s premiums in 2008 were below the national average as they have been for several decades, according to census.gov. At the lowest in over two decades, the state’s average premiums as a percentage of income hit 1.41 percent in 2008.

Drunk Driving Fatalities

The National Highway Traffic Safety Administration indicated that Oregon saw a sharp increase in drunk driving fatalities in 2011, nearly reaching the national average. However, in 2012, the state dropped 3 percent to land at 26.

Vehicular Theft in Oregon

In 2012, Oregon’s vehicle theft rate jumped to 261.7, according to the the FBI. After being slightly above the national average in 2011, 2012 saw a 30 point gap between the nation’s and Oregon’s theft rates.

Such a nature-loving state as Oregon knows that the weather is always changing. The same goes for driving laws and regulations, and this list of pertinent Oregon driving facts will help the state’s drivers find some peace and quiet in the car insurance search.

Minimum Requirements for Car Insurance in Oregon

  • Oregon requires all vehicles to maintain Liability, Personal Injury and Uninsured Motorist Insurance on all Oregon-registered vehicles. The state Department of Motor Vehicles (DMV) has produced a helpful brochure entitled Consumers’ Guide to Car Insurance for residents looking to insure their vehicle.
  • Liability and Uninsured Motorist minimums:
    • $25,000 per individual.
    • $50,000 per accident involving injury.
    • $25,000 per accident to cover property damages.
  • Personal Injury Protection minimums:
    • $15,000

New Driver Licensing Requirements

  • All drivers in Oregon must possess a drivers license to operate a vehicle within the state. New drivers ages 15 to 17 may apply for a Provisional Permit to gain more driving practice before applying for a full license. With this permit, the driver is restricted to driving only with a licensed driver who is 21 years old, has held a license for at least 3 years and occupies the seat next to the driver. The applicant must:
    • Pass the knowledge test and the vision screening
    • Maintain the permit for at least 6 months
    • Must either complete a driver education course and 50 hours of driving, OR,
    • 100 hours of driving
    • Cell phone use (handheld, hands-free and texting) is prohibited.
  • Provisional License. This license holds several restrictions and requirements:
    • First 6 months:
      • The applicant may not carry unrelated passengers under age 20.
      • The applicant is restricted from driving between 12am and 5 am.
    • Second 6 months:
      • The passenger requirement is limited to 3 unrelated passengers under the age of 20.
      • The applicant is restricted from driving between 12am and 5 am.
    • Cell phone use (handheld, hands-free and texting) is prohibited
  • Once the applicant has satisfied the requirements for the permit and the provisional license, he/she may apply for a full Class C License.
  • Vision Screening. Oregon tests driver’s eyesight upon new licensure and at every 8-year license renewal after reaching age 50. A visual acuity of 20/70 and field of vision of at least 110 degrees is required to pass the test. Daylight driving restrictions may be given to applicants with a visual acuity between 20/40 and 20/70. Corrective lenses may be worn.
  • Written Test. Applicants test their knowledge of the Oregon Driver’s Manual on the written test. The DMV offers two practice tests on their website.
  • Road Test. The Oregon Driver’s Manual outlines the skills needed to pass the test. The applicant must furnish the vehicle, and the vehicle must be safe, registered and insured. The road test requires the applicant to demonstrate various driving skills while controlling and maneuvering his/her vehicle safely.
  • Upon failing the driving test, applicants under 18 years of age must wait 28 days to re-take it, and drivers 18 and over must wait 7 days.
  • Fees. The fees for Oregon driver licensing:
    • Regular Class C: $60
    • Instruction Permit: $23.50

DUI/DWI Laws

  • BAC limit: .08 Oregon Law outlines the following penalties for an Oregon DUI conviction:
  • First Offense:
    • Jail: 48 hours to 1 year
    • License suspension: 1 year
    • Fine: maximum $2,000
    • Ignition Interlock Required
  • Second Offense within 10 Years:
    • Jail: maximum 1 year
    • License suspension: 3 years
    • Fine: $2,000 to $10,000
    • Ignition Interlock Required
  • Third Offense within 5 Years:
    • Jail: maximum 5 years
    • License suspension: permanent suspension
    • Fine: $2,000 to $10,000
  • Refusals have the following penalties:
    • First offense: 1-year suspension and $1,000 maximum fine
    • Second Offense: 3-year suspension and $1,000 maximum fine
    • Third Offense: 3-year suspension and $1,000 maximum fine
  • Oregon holds to a Zero Tolerance Law with underage drinking and driving convictions.

Texting & Driving Laws

Distraction.gov Oregon has banned all cell phone use from novice drivers, and texting and handheld use has been banned from all drivers.

Unique Laws

The law is always trying to find those loose ends to tie up. One law that demonstrates this is the Oregon statute that states no deceased person may serve on a jury. In Portland, it is unlawful to wear roller skates in a restroom, and, having something to do with those roller skates, it is unlawful to perform a wedding at a roller skating rink. As long as one doesn’t box with a kangaroo or whistle while underwater, driving through Oregon can be trouble-free!

State Department of Insurance

Oregon Insurance Division
350 Winter St NE #440
Salem, OR 97301
(503) 947-7980
www.oregon.gov/dcbs/insurance
Get Directions

Department of Transportation

Oregon Department of Transportation
355 Capitol Street NE, MS 11
Salem, OR 97301-3871
(888) 275-6368
www.oregon.gov/ODOT
Get Directions

Department of Motor Vehicles

Oregon Department of Motor Vehicles
1905 Lana Ave NE
Salem, OR 97314
(503) 945-5000
www.oregon.gov/ODOT/DMV
Get Directions

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  • Gary
  • $1000
  • Oct 24, 2014
  • Gayle
  • $420
  • Oct 21, 2014
  • Manita
  • $600
  • Sep 21, 2014
  • Richard
  • $1188
  • Sep 19, 2014
  • Ashlee
  • $960
  • Sep 8, 2014
  • Tracy
  • $1200
  • Sep 3, 2014
  • Jaclyne
  • $120
  • Aug 28, 2014
  • Justin
  • $600
  • Aug 28, 2014
  • Patryse
  • $3600
  • Aug 10, 2014
  • Juan
  • $900
  • Jul 30, 2014
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  • $600
  • Jul 30, 2014
  • Janice
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  • Jul 15, 2014
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  • Jul 15, 2014
  • Wanda
  • $600
  • Jul 1, 2014
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  • $960
  • Jul 1, 2014
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  • $1200
  • Jun 30, 2014
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  • $1000
  • Jun 30, 2014
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  • $120
  • Jun 27, 2014
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  • Jun 24, 2014
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  • Jun 21, 2014
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  • Jun 12, 2014
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  • May 30, 2014
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  • May 29, 2014
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  • May 22, 2014
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  • May 16, 2014
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  • May 14, 2014
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  • May 9, 2014
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  • May 7, 2014
  • Rodney
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  • May 6, 2014
  • Ashley
  • $600
  • May 6, 2014
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  • May 5, 2014
  • Vita
  • $1200
  • May 2, 2014
  • Kathleen
  • $200
  • Apr 28, 2014
  • Elizabeth
  • $600
  • Apr 27, 2014
  • Mercades
  • $1000
  • Apr 9, 2014
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  • $1200
  • Apr 6, 2014
  • Sydney
  • $2400
  • Apr 6, 2014
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  • $1200
  • Apr 5, 2014
  • Shyte
  • $660
  • Apr 2, 2014
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  • $1200
  • Apr 1, 2014
  • Bre-on
  • $400
  • Mar 31, 2014

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"After being with my insurance company for just shy of 10 years, and after having shopped

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at companies that everyone around my hometown swore were the cheapest (including unadvertised "bargain" companies and giant comparison shopping brands), I decided to shop here at CheapCarInsurance and ended up saving just under $1,100 off my annual insurance bill, which is a lot more than I ever could have imagined anyone saving, especially me, an avid online shopper and extreme bargain hunter [...]

This is pretty ridiculous considering the fact that: 1st, I had regularly asked my former insurance company for reviews and discounts; 2nd, I recently got a speeding ticket in a school zone (which I am a bit ashamed to say) just before I switched; and 3rd, that $1,100 savings was before I got an additional discount for bundling my home insurance on my policy (which is a lot lower now too).

Unfortunately, and surprisingly, 10 years of loyalty did not pay off for me, and was replaced by a 5 minute quote that will save me thousands down the road. In short, our family owns 3 cars, and my new rates are about half my old rates; so not bad for the little additional time it took to compare quotes and digitally sign a policy.

Obviously, not everyone will save nearly as much as I did, but it's well worth your 5 minutes to find out, even if you end up only saving a few hundred dollars per year, potentially adding up to thousands over a couple years."

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