Auto Insurance Oregon
Oregon has its place in history as the destination for many pilgrims who took to the Oregon Trail during expansion to the western part of the country. The Oregon Trail was a 2,000 mile journey, starting in Missouri and ending at the Pacific state of Oregon. In those days, the people of Oregon were heavy fur trappers even earning the nickname of the Beaver State because of the volume of pelts exported from the area. We use our skills in securing great car insurance rates to offer Oregon drivers a chance to find low car insurance quotes and policies. Finding Oregon auto insurance on our website is safe and secure as we do not collect any personal information from you as you get a quote.
State of Oregon
Today, the state has some wonderful landscapes including mountains, lakes, river, timberlands and coastal beaches. Over half of the state is covered in breathtaking pine forests.The state also boasts extremely fertile soil making it an excellent area for farming. Oregon farmers export potatoes, wheat, and sugar beets and the area is also great for fisherman. Salmon and tuna fishing, and crabbing, are area specialities. There’s a lot to see in Oregon including some amazing natural wonders: Crater Lake, Hells Canyon, and the Phantom Ship.
Oregon Cost Averages Per Driver
Current average car insurance premium in Oregon $1,213.27
Current average car insurance premium U.S. $1,446.49
Average premiums in Oregon cities
Portland $1,518.19
Eugene $1,168.64
Uninsured or underinsured Motorist in Oregon
An uninsured motorist is someone who drives a vehicle without having an auto insurance policy. An underinsured motorist is someone who does not have a sufficient amount of insurance to cover what they are responsible for in an accident. Being the victim of either an uninsured or underinsured motorist could leave you paying out of pocket to cover vehicle damage or bodily injury costs.
How much UM & UIM Coverage should you get?
Fortunately, the state of Oregon requires that all car insurance coverage policies include uninsured motorist protection. The amounts required are $25,000 for each person with a total of $50,000 for each accident. This coverage could come in handy for drivers who encounter one of the 11% of uninsured drivers in the state of Oregon.
Determining at Fault for an Auto Accident
Oregon operates under a Tort system. It is also called an at fault state. At fault states take the burden off of lawyers to determine who is responsible for accident damages. Law enforcement investigates each accident, determines the driver who caused it, and that driver is considered to be at fault for the incident. At fault drivers should expect to be the responsible party when it comes to paying for damages caused in the wreck.
Coverage Requirements
Bodily Injury Liability: $25,000/$50,000 Limit
Property Damage Liability: $20,000 Limit
Uninsured/Underinsured Motorist Bodily Injury: $25,000/$50,000 Limit
Personal Injury Protection: $15,000 Limit
Oregon Counties
Baker, Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Gilliam, Grant, Harney, Hood River, Jackson, Jefferson, Josephine, Klamath, Lake, Lane, Lincoln, Linn, Malheur, Marion, Morrow, Multnomah, Polk, Sherman, Tillamook, Umatilla, Union, Wallowa, Wasco, Washington, Wheeler, Yamhill
