Get a Car Insurance Quote in Oregon

Whether you commute to work in Oregon or take a road trip to see its diverse landscape, having affordable car insurance is a priority for many drivers. Personal auto insurance is not only mandatory in the Beaver State, it can also offer added peace of mind and a financial safety net in case of costly accidents.

With Kemper, you can get coverage that takes into account your budget and lifestyle. We offer:

• Customizable car insurance policies
• Flexible payment plans
• We work with Spanish-bilingual insurance agents.
• We accept non-standard IDs like Matricula Consular and foreign licenses.
• We offer SR-22 filing services for drivers who’ve had coverage challenges.

Get a quick car insurance quote today!

Oregon auto insurance requirements

Drivers in Oregon must carry liability coverage, personal injury protection (PIP), and uninsured motorist coverage, according to the Oregon Driver and Motor Vehicle Services.

Let’s see what each of these is in detail:

1. Liability coverage

Liability coverage helps pay for the damage you may cause to another person or property during a covered accident. The minimum liability limits in this state are commonly listed as 25/50/20:

• $25,000 for bodily injury to another person

• 50,000 for bodily injury to others per accident 

• $20,000 for property damage to a third party

2. Personal injury protection (PIP)

PIP helps pay for your and your passenger’s medical expenses if injured in a covered accident. It may also help with lost wages, rehabilitation, and funeral expenses. The minimum PIP limit in Oregon is:

• $15,000 per person

3. Uninsured motorist coverage (UM)

Uninsured motorist coverage (UM) may help pay the cost of injuries for you and your passengers when an at-fault driver without insurance hits you. The UM limits in Oregon are:

• $25,000 per person

• $50,000 per accident

If your bodily injury liability limits go above the limit, you must also purchase underinsured motorist coverage (UIM). UIM comes in when an at-fault driver doesn’t have enough insurance. 

The minimum car insurance required won’t cover your own vehicle damage. It’s important to consider what types of coverage may be useful to you in case of unexpected events. 

Optional coverages:

Oregon drivers can also opt for these coverages as a wider financial safety net in case of costly accidents or events:

• Collision coverage: It helps pay for repairs to your vehicle after a covered traffic accident, such as a car crash, regardless of who is at fault.

• Comprehensive coverage: It helps pay for vehicle damage caused by non-collision, covered events such as theft, vandalism, extreme weather, animal damage, etc. 

• Roadside assistance: It can help pay for towing services, vehicle lockout assistance, blown tire services, etc.

• Rental reimbursement: If your car is undergoing repairs due to a covered accident, this coverage helps pay for a rental vehicle.

Have you had challenges getting car insurance in the past? Kemper offers:

• Coverage for drivers with non-standard IDs like Matricula Consular or foreign and international licenses

• SR-22 filing services

Penalties for driving without insurance in Oregon

If you fail to show proof of insurance at a traffic stop or after an accident, you may face several penalties, according to the Oregon State Bar:

• Fines between $130 and $1,000

• License suspension for up to one year

•  Vehicle registration may also be suspended

• SR-22 certificate required for three years

• Registration reinstatement fees

SR-22 Insurance in Oregon

Some drivers in Oregon may be required to file for an SR-22. Commonly known as “SR-22 insurance,” an SR-22 is a certificate that shows you have the minimum required coverage. An SR-22 is typically required following certain infractions, such as driving uninsured. It must be filed through an insurance company.

Since an SR-22 is not an insurance policy, you’ll still need to maintain a car insurance policy that meets the mandated minimums in Oregon.

Need SR-22 insurance in Oregon? Kemper can help file your SR-22 certificate so you can get back on the road. Contact an agent near you to get started.

How to find low-cost car insurance in Oregon

The yearly average cost of car insurance in the Beaver State is $841 for minimum coverage and $2,121 for full coverage, according to Bankrate. How much you’ll pay depends on several factors including your driving record, vehicle type, location, and coverage type.

Looking for budget-friendly car insurance? Kemper can help. Get a free car insurance quote for Oregon or contact an agent near you.

You may also qualify for discounts, including:

• Paid-in-full discount: When you pay for your policy in full up front, you may qualify for this discount.

• Proof-of-prior-insurance discount: If you’ve maintained continuous coverage, you may be able to save more.

• Homeowner discount: If you or someone on your policy has homeowner’s insurance, you may save on your car insurance premiums.

• Good student discount: Full-time students with a 3.0 GPA or higher may get a discount.

• Kemper Co-Pilot: Drivers who share their driving habits using a mobile app may qualify for 10% in savings.

See what other auto insurance discounts you may qualify for.

Get auto insurance across Oregon with Kemper

Looking for affordable and personalized car insurance? Kemper Auto serves drivers across this vibrant state, including the following areas:

Why choose Kemper

Oregon locals choose Kemper because we offer car insurance policies that fit their budget and lifestyle. With Kemper, you can expect:

• Competitive rates without sacrificing coverage
• Customized policies
• Non-standard insurance for SR-22 or non-owner

Get a free car insurance quote in Oregon online or by contacting an agent.

FAQs

Is car insurance required in Oregon?

Yes. Oregon drivers must have liability coverage ($25,000 for bodily injury per person and $50,000 per accident, and $20,000 for property damage). They also must carry personal injury protection ($15,000 per person) and uninsured motorist coverage ($25,000 per person and $50,000 per accident).

Is Oregon considered a no-fault state?

No, Oregon is an at-fault state. This means that the driver who is “at fault” for causing the accident is responsible for the damages.

Why is car insurance expensive in Oregon?

In Oregon, car insurance rates typically increase with the rising cost of auto repairs and health insurance. As more people move into urban areas, premiums also increase with a higher rate of accidents. Severe weather events also cause prices to increase. However, your unique driver’s profile also affects how much you pay.

Can I get car insurance without a license in Oregon?

Yes, Kemper offers car insurance for drivers with non-standard IDs like Matricula Consular, and foreign and international licenses or passports. 

Get a free car insurance quote in Oregon today

If you're an Oregon driver looking for car insurance that doesn’t break the bank, get affordable coverage with Kemper. We offer:

• Assistance from Spanish-bilingual agents

• Personalized car insurance policies

• Flexible payment plans

• We accept non-standard IDs like Matricula Consular and foreign licenses.

• We insure drivers who’ve faced coverage challenges. 

To get started, contact an agent or get a free car insurance quote in Oregon online.

Terms and Conditions

This material is for general informational purposes only. Products, services, and discounts referenced herein are not available in all states or all underwriting companies. All statements are subject to the terms, exclusions and conditions of the applicable policy. In all instances, current policy contract language prevails. Coverage is subject to individual policyholders meeting our underwriting qualifications and state availability. Other terms, conditions and exclusions may apply.