Personal Auto Insurance in Oregon

Are you a driver looking for cheap car insurance in Oregon? Whether you commute to work or take road trips along the coastline, finding affordable car insurance can be simple. With Infinity Insurance Agency, Inc. (IIA), you get:

• Auto insurance quotes in Oregon from 20+ trusted carriers at once
• Spanish-bilingual support
• Same-day proof of insurance (once the policy is bound and initial payments received)
• SR-22 filing services (including non-owner SR-22)
• Cheap full coverage car insurance options in Oregon
• Qualifying discounts

Personal auto insurance is vital for drivers because it can help you avoid financial emergencies during an accident and comply with state laws.

Get the coverage you need. Enter your zip code above or call us at 1-855-478-3705 to compare auto insurance quotes in Oregon from 20+ insurance companies.

Auto insurance requirements in Oregon

The Oregon car insurance requirements are designed to help drivers navigate unfortunate situations on the road. The minimum liability insurance requirements drivers must have, according to the Oregon Driver and Motor Vehicle Services, include:

• Bodily injury liability: $25,000 per person and $50,000 per accident for bodily injury to others
• Property damage liability: $20,000 per accident for damage to others’ property
• Personal injury protection (PIP): $15,000 per person
• Uninsured motorist coverage: $25,000 per person and $50,000 per crash for bodily injury

Full coverage vs. minimum car insurance

“Full coverage” is a common phrase referring to a bundle of coverages a driver may choose. It typically includes:

• The minimum coverage in your state: In Oregon, this includes liability, PIP coverage, and uninsured motorist coverage.
• Collision coverage: It can help pay for damages to your vehicle resulting from a collision with another vehicle or object, regardless of fault.
• Comprehensive coverage: It can cover damages that don’t involve a collision, typically incidents like theft, vandalism, or natural disasters can apply.

Having the minimum required insurance meets the state’s law, but may not be enough for you. Full coverage can help if you want insurance that can cover a wider variety of accidents. Though full coverage auto insurance can cover more than the required minimum, it doesn’t mean that every accident will be covered.

Get a quote to compare higher limits vs. minimums and see which may best fit your needs. Call IIA at 1-855-478-3705.

Penalties for driving without insurance

Driving without proof of insurance can lead to severe penalties, according to the Oregon State Bar. Penalties may include:

• Fines ranging from $130 to $1,000
• A one-year license suspension
• Suspension of your vehicle registration
• An SR-22 requirement for three years, which is a form that proves you carry minimum insurance. IIA can help you file the SR-22 form in Oregon.
• Possible vehicle impoundment
• Reinstatement fees of up to $75 to get your license and registration back

Given these consequences, it’s crucial to maintain adequate auto coverage to avoid unnecessary penalties while driving.

Is Oregon considered a no-fault state?

No, Oregon follows an “at-fault” system, which means the person who caused the accident is responsible for the damages caused. If another driver hits your car, you can seek payment from the at-fault party's insurance for damages resulting from the accident.

This setup can lead to a more straightforward claims process for those not at fault, as the responsible party's insurance may be expected to cover the costs associated with injuries and damages.

How much does auto insurance cost in Oregon?

In states across America, the cost of auto insurance can widely vary. Each state has unique population sizes, laws, geography, and hazards that can inform specific insurance prices. The following factors may influence how much you pay for insurance:

• Driving record: A clean driving record with no accidents or violations can lead to lower premiums.
• Type of vehicle: Newer vehicles or EVs can cost more to insure because their unique parts may be more expensive to repair.
• Location: Urban areas may have higher rates due to increased risk of accidents and theft.
• Coverage levels: Higher policy limits or additional policies can increase the cost of premiums.
• Credit history: Some insurers consider your insurance score when determining rates. If you maintain a good credit score, it may help lower your insurance costs.

Drivers looking for the cheapest auto insurance in Oregon can compare carriers and choose coverage that fits their unique needs. An IIA agent can help you compare quotes and find discounts.

Save more with discounts

Looking for car insurance for low-income drivers in Oregon? Ask a helpful agent about applicable discounts. You may qualify for a discount if you:

• Keep a clean driving record
• Bundle multiple vehicles under one policy
• Are a student with a good academic record
• Had continuous car insurance coverage
• Use anti-theft systems or a telematics app (an app that tracks your driving habits, offered by some insurance companies)

How it works

Get simple and fast coverage in Oregon with these steps:

• Get car insurance options based on basic driver information.
• Choose an insurance company that meets your needs.
• You get same-day proof of insurance (once the policy is active and initial payments received).

IIA works with non-standard drivers and those with “high-risk” needs. We accept various licenses or IDs such as temporary and valid foreign licenses or passports. 

Get auto insurance quotes in Oregon

Ready to find a low-cost car insurance option? IIA is here to help. With us, you can benefit from:

• Spanish-bilingual support  
• Same-day proof of insurance, once policy is bound and initial payments received
• A simple car insurance policy process
• Low down-payment options, depending on the insurance company you choose

Compare cheap car insurance quotes in Oregon now. Call IIA at 1-855-478-3705 or get a free car insurance quote online.