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Or call 1-800-378-7262.

Esurance Pay Per Mile™ has arrived in Oregon. The less you drive, the more you save! Learn more.

oregon car insurance

Good news, Oregonians: we've got car insurance rates as sweet as a Portland rose for residents of your gorgeous state. Esurance tools and technology are designed to save, because we know you've got tons of other awesome stuff to spend your time and money on.

When you get a free Oregon auto insurance quote, we'll show you if you could save even more with Esurance Pay Per Mile™. It's all-new, modern-world insurance that lets you pay based largely on how much you drive. It's one more smart way we help Oregonians save money on car insurance.

what our customers say


I've been an Esurance customer for over 10 years now and everything about you guys is convenient and accessible. Even when we moved to another state, the switch over couldn't have been easier.

— Paul, Florida


Esurance was quick, reliable, and easy to communicate with! I'm glad I switched to you guys! You saved me money and I don't plan on going anywhere!

— Maudryanna, North Carolina


The woman who handled my claim was excellent. I made one phone call, sent one email, and three days later I had a check and a resolution to my problem. Keep up the good work.

— Aaron, Virginia

oregon auto insurance discounts from esurance

We're busy as a beaver when it comes to finding Oregon drivers smart 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 at least the following liability 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 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 to cover your expenses), this coverage can protect you and your passengers from paying your accident-related medical bills out of pocket.

optional coverages

Esurance offers the following options to add to your Oregon policy for more financial protection and peace of mind:

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

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.

proof of auto insurance laws

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

A report from the Insurance Research Council estimated that 9 percent of Oregon drivers were uninsured in 2012. This was below the national average of 12.6 percent.

To protect your finances from drivers without sufficient liability insurance, 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 your ride's repairs or replacement 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 could impact oregon car insurance rates

In addition to the coverages, limits, and deductibles you choose when you customize your policy, the following could 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

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.

How to compare car insurance policies
Shopping for auto coverage? Get the lowdown on how to compare reliable insurance plans.

Wonder if you could be saving on car insurance?

Get your free quote online.

Or call 1-800-378-7262.