Oregon is one of the states located in the Pacific Northwest of the United States. With so many insurance companies available, which is the best in offering Oregon car insurance?
Below, we have compiled the best car insurance in Oregon that you can learn to determine which insurance company is most ideal for you. Keep reading!
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Car Insurance Requirements in Oregon
Before you start shopping for prices and comparing quotes between insurance companies, it is crucial to understand Oregon’s minimum insurance requirements. All car drivers in Oregon must have a minimum insurance requirement as the following:
- $25,000 per person in bodily injury liability
- $50,000 per accident in bodily injury liability
- $20,000 per accident in property damage liability
- $25,000 per person for the uninsured motorist bodily injury
- $50,000 per accident for the uninsured motorist bodily injury
- $15,000 for personal injury protection
Best Oregon Car Insurance
Below are the best companies that offer the best car insurance in Oregon that you can consider. These companies are Geico, USAA, State Farm, The Hartford, American Family, Capital Insurance Group, and Metromile.
1. Geico
Geico offers below-average car insurance rates as well as a solid combination of coverage options, discounts, and digital tools. This insurer also has one of the longest lists of discounts in the industry that can help you offset the cost of your policy.
In addition, this insurance company has a mobile app that is highly rated and easy to use, so if you want to handle your insurance digitally, this company may be a good choice.
Geico also provides an average Oregon car insurance cost of $1,353 per year for full coverage and $373 per year for minimum coverage.
2. USAA
Second up is USAA, an insurance company dedicated to military people and military families. Year after year, USAA consistently receives high scores for providing exceptional customer service.
USAA is available nationwide and can even assist you to obtain insurance coverage if you are stationed outside the United States in some cases. No matter what type of car insurance you are looking for, USAA offers all the standard coverage options plus some extras, such as roadside assistance and rental car reimbursement.
This insurance company also offers various types of discounts that you can get, such as military on-base discount, family discount, annual mileage and storage discount, and SafePilot.
USAA has an average annual premium for minimum coverage at $483. On the other hand, this insurer has the average full coverage annual premium is $1,062.
3. State Farm
As the largest car insurance provider in the US, State Farm is a popular car insurance choice for Oregon drivers. The company may be a good choice if you are looking for hands-on insurance experience, as policies are sold through a network of local agents.
State Farm offers all types of coverage required in different states, including bodily injury liability, property damage liability, uninsured motorist, underinsured motorist, medical payments, and personal injury protection.
You can also find optional coverage for comprehensive, collision, emergency road service, ridesharing, and car rental and travel expenses.
State Farm’s average annual full coverage premium is $953 per year, and its average minimum coverage premium is $440 per year.
4. The Hartford
For those of you who are looking for an insurance company that offers Oregon car insurance with exceptional customer service, then The Hartford is the right choice for you.
This insurance company also offers many coverages that you will not find in other car insurance companies. With The Hartford, you can get full glass coverage, deductible modification, and gap insurance.
More than that, this insurance company also comes with rental car reimbursement coverage that is suitable for those who own a car rental service.
5. American Family
Next up is American Family, an insurance company that is perfect for drivers with poor driving records.
American Family offers several policies and protections for drivers with poor driving records such as roadside assistance, rental car reimbursement, and accident forgiveness.
In addition, this insurance company also has an affordable average full coverage for poor drivers at 1,411 per year.
6. Capital Insurance Group
Capital Auto Insurance can be a great choice for drivers who want to personalize their car insurance policy. The company even offers a “come-to-you” auto glass repair service where you can repair your car for glass damage at your home.
Capital Auto Insurance offers an average annual premium for minimum coverage at $540. In contrast, this insurance company offers an average annual premium for full coverage at $1,144.
7. Metromile
Metromile is the only company that offers a strict pay-per-mile program. Having pay-per-mile coverage is ideal for drivers who make short trips between locations in Oregon. Also, the Metromile pay-per-mile program allows you to pay the first month’s base rate and nothing else.
Moreover, with Metromile, you can also get comprehensive coverage and collision coverage in addition to state-mandated liability insurance based on your driving habits.
The Way to Find The Best Oregon Car Insurance
The best for you doesn’t mean the best for someone else. Therefore, the best Oregon can insurance all depends on your own needs and requirements. However, there are several ways that you can take to find the best car insurance in Oregon.
- Examine the reputation of customer service in Oregon
You can visit websites like J.D. Power and NAIC to get a better understanding of an insurance company’s customer service reputation.
- Compare quotes for yourself
The next way to ensure you find the best insurance company is by comparing the available quotes. You know best which one suits your budget and your needs.
- Check that the company has the coverage you want in Oregon
Make a list of the coverage you need most from car insurance. After that, find a company that can fulfill all the coverage you need.
- Cross-check financial stability ratings
Before buying any insurance policy from a company, you should assess its financial strength. It will give you an idea of whether the company will be able to pay your claim if the need arises.
Have You Found the Best Oregon Car Insurance?
You are the one who knows best which insurance company can fulfill all your needs regarding Oregon car insurance. Hopefully, all the information in this article can help you determine which insurance company is best suited for you.