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Cheapest Car Insurance in Oregon

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. has brought together Oregon’s car insurance information so the state’s drivers can get out and enjoy their varied climates with no hassles.


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 when getting a new license 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


  • 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 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!


Best Cheap Car Insurance Quotes for Oregon

Multnomah County Car Insurance

The smallest county in the state by area, Multnomah County is Oregon's most populated, home to an estimated 736,000. Its port is one of the five largest auto import ports in the U.S., and the West Coast's leading exporter of grain and lumber. The county seat, and largest city in Oregon, is Portland, a city named after Portland, Maine, when it was settled in the 1830s.

A popular location for tourists, Portland is known for being environmentally conscious, with pedestrian and bike-friendly routes, farm-to-table restaurants and numerous public green space. Top attractions include Forest Park, the Portland Japanese Garden, Washington Park and International Rose Test Garden, where more than 500 varieties of roses have been continuously cultivated for more than 100 years.

County Sedan Suv Coupe Truck Hybrid

Washington County Car Insurance

Just west of Portland in northwest Oregon, Washington County is the state's second most populous, home to more than half a million residents. Its seat and largest city, Hillsboro, is home to high-tech companies such as Intel and is therefore known as Silicon Forest. Agriculture is still a major industry in Washington County, along with manufacturing and food processing.

Located between Portland and the coast, Washington County is within a short drive of Mount Hood, Washington County is an ideal "hub-and-spoke" location for tourists. Outdoor recreation, beer and wine tastings are popular with visitors to the area.

County Sedan Suv Coupe Truck Hybrid

Clackamas County Car Insurance

Named for its native inhabitants, the Clackamas Indians, Clackamas County is home to an estimated 376,000 residents. Just off Interstate 5 in the Willamette Valley, it is home to Mount Hood, the only year-round ski resort in the U.S. Its seat is Oregon City, a town of about 32,000 on the Willamette River.

Oregon's tallest mountain, Mount Hood lies partially in neighboring Hood River County. Its peak has 12 named glaciers, and it is considered the Oregon volcano most likely to erupt, although scientists say this is still unlikely. On its south slope is Timberline Lodge, the hotel used in the backdrop of Stanley Kubrick's film, "The Shining."

County Sedan Suv Coupe Truck Hybrid

Lane County Car Insurance

Home to 352,000 residents, Lane County is one of only two Oregon counties that extend from the Pacific coast to the Cascades. Nearly half of the land in Lane County is under the management of the U.S. Forest Service. Its county seat is Eugene, the site of the University of Oregon, the first city to have one-way streets and the birthplace of the famous Nike logo.

The City of Springfield is the real-life inspiration for the hometown featured in the TV show, "The Simpsons." The county is home to the U.S.'s most photographed lighthouse, Heceta Head, and Oregon's only rare plant sanctuary, Darlingtonia Wayside in Florence.

County Sedan Suv Coupe Truck Hybrid

Marion County Car Insurance

South of Portland on Interstate 5, Marion County is the home of the state capital, Salem, which is also the county seat and largest city. Among products grown in its numerous orchards are the Marionberry, an indigenous edible developed by crossing two varieties of blackberry.

Less than an hour's drive from Portland, Salem is home to 155,000, and hosts the annual Oregon State Fair in August and early September. Oregon's oldest winery, Honeywood, is located in Salem as well. The film, "One Flew Over the Cuckoo's Nest," was shot at the Oregon State Hospital, a Salem-based public psychiatric hospital still in use today.

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Jackson County Car Insurance

Just southwest of Oregon's famous Crater Lake, Jackson County borders California to the south. Named for the seventh U.S. President Andrew Jackson, it is home to 203,206 residents. During the peak of her fame, actress, dancer and singer Ginger Rogers owned a summer home in Medford, the county seat.

Jackson County is home to an interesting roadside attraction titled "Oregon Vortex," which features optical illusions. The popular Bear Creek Greenway stretches northward from the City of Ashland to Central Point near Medford, and includes a 21-mile hike and bike path.

County Sedan Suv Coupe Truck Hybrid

Deschutes County Car Insurance

Oregon's fastest-growing county, Deschutes was the last county to be established, created in 1916. Home to an estimated 158,000, it contains part of the Deschutes National Forest and the Newberry National Volcanic Monument.

Known for vineyards and volcanoes, Deschutes County has at least 700 known caves, most of which are what are known as "lava tubes," a natural tunnel once occupied by molten lava. One of the largest of these can be found at the Lava River Cave, part of the Newberry Monument area and the longest continuous lava tube in Oregon. Other points of interest for visitors include Tumalo Falls, Lava Lands Visitor Center and the High Desert Museum.

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Linn County Car Insurance

South of Portland off Interstate 5, Linn County bills itself as the grass and seed capital of the world. Home to an estimated 117,000, the county is located in rich farm country, and includes Carpenter Mountain, one of the highest peaks in the western Cascades.

The county seat is Albany, a farming and manufacturing center that annually hosts the Northwest Art and Air Festival. It's also home to the Historic Carousel and Museum, reportedly one of the world's largest collections of carousel horses.

County Sedan Suv Coupe Truck Hybrid

Douglas County Car Insurance

Bisected by Interstate 5, Douglas County stretches from the Pacific Coast to the Cascade Range. Roseburg, the county seat, is a traditional lumber town that bills itself as the timber capital of the nation.

Douglas County is home of the Cow Creek Tribe, a group of Native Americans that resisted efforts to relocate them to a reservation, and banded together to live in seclusion to maintain their lifestyle. Outdoor recreation is popular in Douglas County, including fishing in the North Umpqua River, camping, boating and hiking. A popular short hike is Watson Falls, a 272-foot waterfall on Watson Creek.

County Sedan Suv Coupe Truck Hybrid

Yamill County Car Insurance

In the heart of the Willamette Valley in Northwest Oregon, Yamill County is home to more than 100,000. The main focus of the Oregon wine industry, it has more land than any other county in the state devoted to vineyards, with more than 200 and another 80 wineries.

Along with a thriving wine industry, Yamill County's economy is based on agriculture, logging, timber and manufacturing. A 1900 lock and dam on the Yamill River was destroyed by explosives in 1963, and the site is now a county park known as Lafayette Locks Park. The county seat is McMinnville, the birthplace of children's author Beverly Cleary, creator of the "Ramona" books.

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid
Hood River$955.00$806.00$910.00$942.00$998.00
Yamhill$1,029.00$878.00$987.00$1,006.00$1,060.00 Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, accidents, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums

Oregon’s auto insurance premiums in 2013 were just below the national average as they have been for several decades, according to At the lowest in over two decades, the state’s average auto 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. The state had another spike in deaths in 2013 before dropping again in 2014.

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. Since then both the state and national theft rates have declined.

Cheap Car Insurance understands you work hard for your money so, why spend more on your affordable auto insurance. Here is a list of some of the car insurance discounts that will help keep your hard-earned money in your pockets:

  • Multi-car insurance discount
  • Good student discount
  • Military discount
  • Car safety features discount
  • Anti-theft discount
  • Bundling your auto with home or renters
  • Defensive driving discount
  • Usage or low-mileage discount
  • Senior citizen discount
  • Mature driver discount

Insurance discounts may vary by state so, contact us today to see if you qualify for any of these car insurance discounts!

Driver RatingBest Rate Option
Good driversCountry Financial
Young driversGeico
Drivers with an at-fault crashCountry Financial
Drivers with poor creditCountry Financial
Retired driversCountry Financial


State Department of Insurance

Oregon Insurance Division
350 Winter St. NE #440
Salem, OR 97301
(503) 947-7980
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Department of Transportation

Oregon Department of Transportation
355 Capitol St. NE, MS 11
Salem, OR 97301-3871
(888) 275-6368
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Department of Motor Vehicles

Oregon Department of Motor Vehicles
1905 Lana Ave. NE
Salem, OR 97314
(503) 945-5000
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