Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 50+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.
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Compare Car Insurance Quotes in Oregon
Jerry is a free app trusted by 12,405 Oregon drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
Stephanie Colestock is a writer, CFEI®, and licensed insurance agent with over 14 years of experience specializing in personal finance topics like insurance, investing, retirement, and household budgeting. Her work has been featured in TIME, Forbes, USA Today, and other leading publications. Through her writing, Stephanie simplifies complex financial concepts, empowering readers to make smarter financial decisions.
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Certified Financial Education Instructor (CFEI) (2024)
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General Lines Agent, Property & Casualty (2025)
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14 years as a professional writer and editor
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10 years covering personal finance
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General Lines Agent, Property & Casualty (2022)
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Awarded Agent of the quarter at Jerry (2023)
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AS in Computer Science from Troy University of Montgomery
Average Oregon car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $152 a month for state minimum and $380 a month for full coverage. But in Oregon, Jerry drivers pay:
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$80 to $156 per month for state-mandated minimum coverage.
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$151 to $281 per month for full coverage.
The best way to find a policy that fits a specific budget is to review quotes from at least three to five insurance companies. Over the last 12 months, Jerry has helped Oregonians save an average of $872 per year by finding and showing competitive coverage options side by side.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry helps you shop offers and lock in your Oregon car insurance in under 10 minutes. It’s free, entirely online and we never sell your info or flood your phone with calls. If you’d prefer to talk to a real person, you can connect with one of our licensed agents anytime.
Of course, what you’ll pay depends on a mix of details like your driving record, the car you drive and your ZIP code. Here are some full coverage rates that Jerry drivers in Oregon have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
Oregon homeowners face growing wildfire risk on the eastern side of the state, heavy rainfall and flooding in the west, and earthquake exposure along the Cascadia Subduction Zone. Bundling home and auto insurance is a practical way to manage those costs.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what really sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Oregon drivers are paying with Jerry
The easiest way to find the right car insurance is to compare quotes from multiple companies. Whether you’re putting together a new policy, matching what you already have or just looking for the cheapest car insurance in Oregon, shopping around gives you a clearer picture.
That matters in Oregon, where Portland metro traffic and the rainy conditions west of the Cascades create a different driving experience than the drier, more rural eastern side of the state. Uninsured motorist rates have also been climbing, which affects what every driver pays. Jerry works with Oregon drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.
Jerry helps you find quotes from up to 10 trusted insurers in the Beaver State, so you get the full picture of what’s available and how much you should be paying. Here are some of the most recent quotes Jerry has been able to pull for Oregon drivers looking for different levels of coverage, and how much each one saved.
Recent quotes in Oregon
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Oregon car insurance coverage requirements
Oregon drivers are required to buy a combination of personal property and bodily injury liability, uninsured motorist coverage and personal injury protection (PIP). The minimum coverage requirements in this state are:
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Bodily injury liability of $25,000 per person and $50,000 per crash for injuries to others.
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Liability for bodily injuries resulting in death of $50,000 per person and $100,000 per crash.
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Property damage liability of $20,000 per crash.
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Personal injury protection of $15,000 per person.
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Uninsured motorist coverage of $25,000 per person and $50,000 per crash for bodily injuries caused by an uninsured driver.
While this means you meet the minimum coverage requirements in Oregon and can legally drive, it won’t protect you against many major accidents or damage to your own car. For better protection, many Jerry drivers increase their coverage limits and buy comprehensive and collision coverage. Considering nearly 15% of Oregon drivers are uninsured, it might also be a good choice to buy uninsured/underinsured motorist (UM/UIM) protection.
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Coverage Definitions
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Who it pays: The other person, for injuries when you’re at fault in a crash.
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What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.
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How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.
Property damage liability (PD)
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Who it pays: The other person, for property you damage in a crash.
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What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.
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How it pays: Up to your policy’s limit. For example, $50K.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.
*Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.
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Who it pays: You, for damage to your own car.
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What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
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Who it pays: You, for damage to your own car.
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What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
Uninsured/underinsured motorist (UM/UIM)
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Who it pays: You and your passengers, for injuries and property damage.
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What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.
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How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.
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Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.
Personal injury protection (PIP)
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Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.
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What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.
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How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.
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Do you need it? Required in no-fault states. If available in your state, it’s worth considering.
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Who it pays: You and your passengers, for medical bills.
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What it covers: Medical expenses after an accident, regardless of fault.
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How it pays: No deductible. Pays up to your policy’s limit.
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Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.
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Factors affecting Oregon car insurance rates in 2026
Rain and hydroplaning
Oregon’s frequent rain means slick roads and longer stopping distances for much of the year, which drives up fender benders and rear-end crashes. Collision coverage pays to repair your car after an accident, and it’s especially important in a state where wet-road conditions are the norm, not the exception.
Wildfire smoke and debris
Wildfire seasons bring heavy smoke, low visibility and debris risks that can damage vehicles even when they’re parked. Consider keeping comprehensive coverage for non-collision damage like falling branches and ash, and slow down in smoky conditions to avoid visibility-related crashes.
Theft and break-ins
Portland and surrounding areas see elevated theft and break-in rates that can heavily influence premiums by ZIP code. Comprehensive coverage pays out if your car is stolen or broken into, but also lock up, park in well-lit areas and keep valuables out of sight.
Uninsured drivers
About one in seven Oregon drivers is uninsured, according to the IRC. Jerry recommends matching your UM/UIM limits to your liability limits, so you’re protected if the other driver can’t cover your injuries or damage.
Mountain passes and sudden weather shifts
If you drive routes that cross the Cascades or Coast Range, conditions can change fast with fog, ice or heavy rain. Carry collision coverage because mountain crashes tend to be more severe, and check whether your policy includes roadside assistance for those longer tow distances.
Rising repair costs
Modern vehicle repairs keep getting more expensive due to labor rates, parts sourcing and the sensor recalibration that newer cars require after even a minor impact. Choose a deductible you can comfortably pay, so a surprise estimate doesn’t keep you from filing a claim you’re entitled to.
Average cost of car insurance in major Oregon cities
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City
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Average monthly cost
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City
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Average monthly cost
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|---|---|
| $259 | |
| $225 | |
| $227 | |
| $163 | |
| $209 | |
| $262 | |
| $164 | |
| $148 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get Oregon quotes in as little as 2 minutes.
Learn more about driving in Oregon
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Everything you need to know about Oregon towing laws.
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How to get an Oregon temporary license plate.
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Learn how at-fault states affect your car insurance.
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Understand the 6 main types of car insurance coverage.
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Find out how much car insurance you need.
FAQ
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Is Oregon an at-fault insurance state?
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Does Oregon allow electronic proof of insurance?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.