Car Insurance in Albany, OR
How much does car insurance
cost in Albany, Oregon?
The average estimated cost of Lemonade car insurance in Albany ranges from roughly $938 to $978 per year*, depending on factors like your age, driving history,
car type, and location.
Here is a look at rates in other cities in Oregon:
| City | Average monthly base premium* |
|---|---|
| Portland | $90 to $99 |
| Salem | $90 to $99 |
| Eugene | $80-$89 |
| McMinnville | $70 to $79 |
How can I get cheaper car insurance
in Albany, Oregon?
Lemonade offers Oregon drivers loads of opportunities
to help lower your car insurance rates.
Low-mileage savings
Lemonade drivers determine how much they save each month based on how many miles they actually drive.
Bundle discounts
Unlock discounts when you bundle with Lemonade—including car, renters, homeowners, pet, and more.
Safe driving
Your safe driving habits—like speed, braking, and making smooth turns—can positively impact your premiums.
What’s the best car insurance
in Albany, Oregon?
Lemonade Car was designed to really shine for safe, low-mileage drivers.
Super customizable coverage
Choose from flexible coverages and add-ons to build a policy that fits your lifestyle.
Seamless user experience
Enjoy a smooth ride from quote to claim, with an app that makes managing your policy easy and stress-free.
Fast claims resolution
File claims in minutes and get reimbursed quickly—right through the app.
What is the minimum car insurance
required in Albany, Oregon?
To meet Oregon car insurance coverage requirements, Albany drivers must carry these coverages and minimum amounts to stay road-legal:
| Required minimum coverages for Albany drivers | Minimum amount required |
|---|---|
| Bodily injury liability | $25,000 (per person)/ $50,000 (per accident) |
| Property damage liability | $20,000 |
| Uninsured motorist coverage/underinsured motorist bodily injury coverage | $25,000 (per person)/ $50,000 (per accident) |
| Personal injury protection (PIP) | $15,000 |
What additional car insurance coverages
are available in Albany, Oregon?
Consider adding collision, comprehensive, and uninsured motorist coverage
to your policy for better protection.
Collision coverage
To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on).
Read MoreComprehensive coverage
To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on).
Read MorePersonal injury protection (aka PIP)
Can help pay for things like your medical bills, lost wages, and other related expenses after a car accident. With PIP, your own insurance company covers the medical expenses from a car accident regardless of who is at fault.
Read MoreUninsured / underinsured driver bodily injury coverage
Can help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver.
Read MoreUninsured / underinsured driver property damage coverage
Can help repair or replace your own car if you get into a car accident with an uninsured or underinsured driver.
Read MoreTemporary transportation coverage
Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised.
Read MoreAlbany Oregon car insurance FAQs
What coverage is recommended in Albany considering the weather conditions?
Comprehensive coverage is strongly recommended in Albany due to heavy rain and possible flooding during the wet season. This coverage protects your vehicle against water damage and other non-collision weather-related damages.
How does Albany’s location along I-5 impact car insurance needs?
Albany’s proximity to Interstate 5 means drivers face increased risks from highway traffic and accidents. Collision coverage is essential to handle potential repair costs from incidents on these busy roads.
What happens if I don’t have the minimum car insurance coverage required in Albany?
Driving uninsured in Albany can lead to fines ranging from $130 to $1,000, depending on the situation. Additionally, your license could be suspended, and you might be required to file an SR-22 to demonstrate ongoing insurance coverage. Keeping up with your car insurance requirements can help you steer clear of these penalties.
Is Oregon an at-fault state?
Yes, Oregon follows an at-fault system, and in Albany, this means the driver liable for the accident covers the damages. They can use their insurance policy or pay from their own funds.
How can I lower my car insurance premium in Albany?
You can lower your car insurance premium by maintaining a clean driving record, opting for higher deductibles, and considering bundling your car insurance with other types of insurance.
Lemonade offers renters insurance, homeowners insurance, pet insurance, and life insurance in Albany that you can bundle with a Lemonade car insurance policy, and bundling any combination of our insurance products together will unlock savings.
Additionally, Lemonade offers trunkloads of discounts—like the three year safe driving discount, or the five year accident free discount.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states.
*Lemonade Insurance analyzed policy rates to calculate average car premiums as of December 9, 2024 across all applicable states. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances.
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Talking Telematics
Real-time driving behavior = the fairest insurance premiums imaginable
How Much Does Car Insurance Cost?
Besides being legally required, car insurance is vital to keep you protected from the financial burden of bad things that can happen in, around, and to your car.