Oregon Car Insurance

Enjoying what Oregon has to offer can be a bit wholesome. From the national scenery to the many clubs you can visit at night, where do you begin? Well for starters knowing that you have to find a way to get from point a to point b would be a simple drive wouldn’t it? Well, you’re right. But before you can jump behind the wheel and enjoy yourself you have to know exactly what type of car insurance you will be needing. So here’s everything you need to know about car insurance in the state of Oregon and also, how you can get it for fairly cheap.

Required Coverages

For you to legally drive in the state of Oregon, they require you to have car insurance. But, that isn’t the blanket statement you don’t have the leniency to choose what you’d like there are minimum requirements you have to have. Outside of these minimum requirements, you can pick a coverage limit that is higher to offer more protection and peace of mind. Here are the requirements every driver needs to be behind the wheel. 

  • $25,000 bodily injury coverage per person
  • $50,000 bodily injury coverage per accident
  • $20,000 in property damages per accident

Personal Injury Protection

To add, drivers also need to opt for personal injury protection, the minimum limit required is $15,000.

Uninsured Motorist Coverage

This coverage is reflected in your minimum requirements. The limits are as follows: 

  • $25,000 bodily injury coverage per person
  • $20,000 bodily injury coverage per accident

 This coverage is here to protect you and your passengers from anything out of pocket.

Optional Coverages

If you feel like the minimum policy is not enough for you, and you would like to have more insurance protection on your policy, don’t worry. There are tons of optional coverages you can have added to your policy to increase the amount of protection you have. Here are some of the coverages you should consider. 

  • Collision Insurance
  • Comprehensive Insurance
  • Gap Insurance
  • Roadside Assistance

If you already have insurance and want to find better and cheaper rates, contact a local insurance agent here.

Factors that Impact Your Policy

Here are some factors that affect your insurance policy as a resident of Oregon. 

  • Age 
  • Gender
  • Driving Record
  • Gaps in Insurance 
  • Year, make and model of your car
  • Where you are located
  • Where the car is located
  • How many miles you put on each year

Is Oregon An At-fault State?

 Yes and no. Oregon requires you to have no fault insurance built into your policy, but that doesn’t mean that they necessarily follow that rule. If you’re in an accident, you’d be able use your advantage and ask for more money based on your personal injury protection the cover any lost wages and medical expenses.

Average Cost of Car Insurance in Oregon

The state of Oregon is a great place to be, It has anything and everything you can ask for. The average cost of insurance it’s relatively cheap when compared to the national average. be quite honest I wouldn’t say it’s cheap, I would say it’s inexpensive. You’re looking at 4% lower than the national average and paying about $1,350 yearly.