Oregon drivers must obtain liability coverage of $25,000 per person injured and $50,000 per accident for property damage. Insurers also offer uninsured/underinsured motorist coverage as well as personal injury protection (PIP). Comprehensive/collision policies provide additional coverage against accidents; moreover they are often offered at reduced premium rates.

Oregon car insurance premiums can fluctuate depending on a variety of factors, including your driving history, age and location. Insurance providers take city-specific risk factors into consideration when setting rates; drivers in densely populated areas tend to pay more than drivers living in rural locations for coverage. Furthermore, your type of car can play a factor – luxury models tend to cost more to repair than regular sedans so getting appropriate coverage levels and limiting deductible amounts will help reduce rates significantly.

Marriage status can also have an effect on rates; married people tend to file fewer accident claims than single people. A driver’s credit score also plays a part; those with excellent scores typically see lower premiums.

If you have been charged with DUI, your premiums are likely to be significantly higher than drivers without one. But once your record has been cleared up, finding relatively affordable car insurance in Oregon should not be too difficult; using our Oregon Car Insurance Calculator above you can compare quotes from multiple providers and see which offers the most suitable rates for you and your situation.

Keep these things in mind when searching for cheap car insurance in Oregon:

Oregon boasts below-average rates for full coverage car insurance due to its at-fault system, in which drivers who cause accidents must pay all damages sustained as a result of it. According to MoneyGeek’s findings, Oregon residents can find affordable full coverage options from GEICO at just $46 monthly premium; that’s 24% cheaper than COUNTRY Financial!