Auto insurance quotes in Oregon depend on factors like your driving history, location, vehicle, and coverage needs. With more than 100 years of experience and a rating of A- (Excellent) by AM Best, Kemper Auto is a trusted choice among car insurance companies in Oregon. Kemper Auto specializes in non-standard auto insurance and accepts Matrícula Consular cards, foreign driver’s licenses, and passports in many situations. Whether you need cheap car insurance in Oregon or coverage after past driving challenges, Kemper Auto offers flexible options to help fit your needs.
Oregon law requires all drivers to carry specific auto insurance coverages. Understanding the state’s minimum car insurance requirements can help you avoid penalties and maintain legal driving privileges.
The required coverages include:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $20,000 for property damage per accident
Liability coverage helps pay for injuries or property damage you cause to others in a covered accident. It protects your financial assets if you are found legally responsible.
- Minimum of $15,000 per person
PIP helps cover medical expenses, lost wages, and related costs after a covered accident, regardless of who caused the crash.
- $25,000 per person
- $50,000 per accident
UM coverage helps protect you if you are injured by a driver who does not carry insurance.
Oregon also requires Underinsured Motorist (UIM) coverage when bodily injury liability limits exceed the state minimum requirements.
Beyond state minimums, many Oregon drivers choose additional protection for greater financial security. Different car insurance companies in Oregon may offer varying coverage options, deductibles, and benefits.
Required Coverage
Oregon auto insurance coverage includes:
- Liability coverage
- PIP
- UM
Optional coverage
Additional options can help protect your vehicle and finances.
- Collision Coverage: Collision coverage helps pay for repairs to your vehicle after a covered accident, regardless of fault.
- Comprehensive Coverage: Comprehensive coverage helps protect against non-collision losses such as theft, vandalism, fire, falling objects, animal strikes, and severe weather damage.
- Roadside Assistance: Roadside assistance can help when unexpected problems happen on the road, including towing, lockout assistance, battery jump-starts, tire changes, and fuel delivery.
- Rental Reimbursement: Rental reimbursement helps pay for a rental vehicle while your car is being repaired after a covered claim.
Finding Cheap Car Insurance in Oregon: Costs and Savings
Many drivers search for cheap car insurance in Oregon, but rates can vary significantly based on several factors.
According to Experian the average Oregon premiums are approximately:
- $1,822 annually for minimum coverage
- $2,564 annually for full coverage
Drivers can also explore auto insurance discounts to help lower premiums. Drivers who chose cheap car insurance in Oregon should still provide enough protection for their financial situation and vehicle needs.
Several factors can influence your premium:
- Driver age and experience
- Driving history and claims record
- Vehicle make, model, and safety features
- ZIP code and population density
- Coverage limits and deductibles
- Annual mileage
- Paid-in-full discount
- Proof-of-prior-insurance discount
- Homeowner discount
- Good student discount for students with a 3.0 GPA or higher
- Advanced Purchase discount
- Kemper Co-Pilot© telematics savings program with potential savings up to 10%
Oregon drivers may also see rate changes due to:
- Rising repair and medical costs
- Increased accident frequency in Portland-area traffic
- Winter storms and wildfire smoke events
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
For additional legal information about uninsured driving penalties, visit the Oregon State Bar.
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 Auto can help file your SR-22 certificate so you can get back on the road. Contact an agent near you to get started.
Frequently Asked Questions About Oregon Car Insurance
Cities We Serve
Kemper Auto proudly serves drivers throughout Oregon, including:
- Portland
- Salem
- Hillsboro
- Woodburn
- Gresham
- Madras
- Hermiston
- Ontario
- Independence
- Cornelius
Drivers can work with local agents or use convenient online tools to compare coverage options and secure a policy quickly.
Need local help? Use our tool to find an auto insurance agent near you.
Getting Auto Insurance Quotes in Oregon
Getting auto insurance quotes in Oregon is simple with Kemper Auto. Drivers can review their coverage options, explore auto insurance discounts, and activate coverage quickly.
To receive a quote, you may need:
- Driver information
- Vehicle details
- Driving history
- Coverage preferences
Switching coverage is straightforward, and Kemper Auto can help guide you through the transition from your previous insurance company.
