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oregon car insurance

Good news, Oregonians: we've got car insurance rates as sweet as a Portland rose for residents of your gorgeous state.

Every Esurance policy is built to save, because we know you've got tons of other awesome stuff to spend your time and money on. You can even compare affordable car insurance rates from other top-rated companies to make sure you're getting the most bang for your buck.

When you get a free Oregon car insurance quote, you'll get instant access to innovative online tools, like Coverage Counselor®, our interactive insurance guide that helps you tailor your policy coverages to your needs.

oregon auto insurance discounts from esurance

We're busy as a beaver when it comes to finding Oregon drivers ways to save money on their car insurance. Here's a sampling of our unique discounts:

  • Multi-Car discount
  • Homeowners discount
  • Good Student discount
  • Switch & Save® discount
  • Fast 5® discount
  • Paid-in-Full discount
  • Defensive Driver discount
  • Multi-Policy discount
  • Pac-12 discount

Some exclusions may apply. If you already have an Esurance policy and have questions about your discounts, give us a call at 1-800-ESURANCE (1-800-378-7262).

esurance renters plus® discount in oregon*

Add renters coverage to your car insurance policy and you could qualify for our Renters Plus discount. It's an easy way to protect your valuables and your car on one policy and save.

required coverages

Liability insurance can help pay others' expenses after you're found at fault in a car accident. Oregon insurance laws require you to carry the following liability coverages and limits:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per incident
  • $20,000 in property damage liability per incident

It's common to see these limits written as 25/50/20.

Personal injury protection (PIP)

Drivers in Oregon also need $15,000 of PIP coverage on their policies. This coverage can help pay medical-related expenses after an accident (including lost wages, if necessary), regardless of fault.

Uninsured motorist bodily injury

Like your bodily injury limits, your uninsured/underinsured motorist coverage limits need to be $25,000 per person/$50,000 per incident. If you're in an accident in which the at-fault driver has no insurance (or not enough coverage), this coverage can protect you and your passengers from paying your accident-related medical bills out of pocket.

optional coverages

You can add the following coverages to your Oregon policy for more financial protection and peace of mind:

  • Uninsured motorist property damage coverage
  • Comprehensive coverage
  • Collision coverage
  • CarMatch Rental Coverage®
  • Towing and labor coverage
  • Auto loan/lease gap coverage
  • Custom parts and equipment coverage

Already an Esurance policyholder? Call us at 1-800-ESURANCE (1-800-378-7262) if you have questions about your coverages. Some exclusions may apply.

Visit our online Coverage Counselor® for personalized Oregon policy suggestions.

proof of insurance laws

Driving without car insurance can lead to fines and suspended driving privileges, among other penalties.

A 2011 report from the Insurance Research Council estimated that 10 percent of Oregon drivers were uninsured in '09. This was below the national average of 13.8 percent.

To protect your finances from drivers without sufficient liability coverage, Oregon requires you to add uninsured motorist bodily injury coverage to your policy. You can also add uninsured motorist property damage coverage, which is optional, to help pay for repairs after an accident with an uninsured driver.

Plus, motorists in the Beaver State can benefit from a state law that allows digital proof of insurance, meaning drivers can pull up their auto insurance ID cards on their smartphones or other devices as legitimate evidence of auto coverage if they get pulled over in a traffic stop. If you're covered by Esurance in Oregon, you can access your ID cards and much more in our useful mobile app.

factors that impact oregon car insurance rates

In addition to the coverages, limits, and deductibles you choose when you customize your policy, the following can impact your car insurance premium in Oregon:

  • Driving record and claims history
  • Age, gender, and marital status
  • Year, make, and model of your car
  • ZIP Code where your car is parked
  • How you use your car (commuting, Sunday drives, etc.)
  • Prior insurance history, including lapses in coverage

car repair shops in oregon

Esurance customers can take their damaged cars to shops in our E-star® network to take advantage of RepairView® and guaranteed repairs (for as long as the car is theirs).

Find an E-star shop near you.

Related links

Oregon's official guide to car insurance (PDF)
Use this helpful guide to get a better understanding of your car insurance.

Esurance Coverage Counselor®
Our online counselor stands by to help tailor the perfect Oregon auto insurance policy for you.

Wonder if you could be saving on car insurance?

Get your free quote online

or call 1-800-378-7262