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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.

affordable car insurance in oregon

Whether you're keepin' it weird in Portland, keepin' it rugged in the Gorge, or keepin' it salty on the seashore, Oregon offers myriad ways to just keep on keepin' on. But to really experience all this Pacific Northwestern state has up its (flannel) sleeve, you'll need a good set of wheels and reliable Oregon car insurance.

Esurance can help you find affordable car insurance quotes in Oregon to help financially protect your set of wheels. Of course we can. That's what we do! But beyond that, we can also help you find car insurance that suits your lifestyle — weird, rugged, salty, or otherwise.

From Astoria to Gold Beach, Wallowa to Jordan Valley, Esurance can help you find low-cost auto insurance in Oregon. Compare rates online to get the best protection for your vehicle before you set out on any Oregon trail.

what our customers say

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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

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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

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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

Required coverages

We're here to help when it comes to getting affordable car insurance quotes in Oregon that fit your lifestyle. Oregon insurance laws require you to carry at least the following liability coverage 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 at least $15,000 of PIP insurance 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

Your uninsured motorist coverage limits need to be at least $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 bills out of pocket.

optional coverages

Good news, Oregon drivers! Esurance offers the following options to add to your policy for more financial protection and peace of mind:

  • Uninsured motorist property damage coverage
  • Comprehensive coverage
  • Collision coverages
  • CarMatch Rental Coverage®
  • Towing and labor coverage
  • Auto loan/lease (aka "gap") coverage
  • Customized 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.

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 12.7 percent of Oregon drivers were uninsured in 2015. This was just below the national average of 13 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 in the Beaver State 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 DMV
Still have questions about auto insurance in Oregon? Get the details directly from the source.

PIP coverage
Learn more about this car insurance medical coverage available (and even required) in some states.

Bodily injury and property damage liability
Read up on the coverages that can help financially protect you if you accidentally injure someone or damage their property.

Uninsured motorist coverage
If you're ever hit by an uninsured or underinsured driver, this coverage can help save the day.

Digital proof of insurance
Did you know most states allow you to show your proof of auto insurance on your smartphone? Learn more here.

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.