Oregon Car Insurance
Driving through Crater Lake National Park or exploring Portland’s food scene? Get covered with Lemonade car insurance in Oregon—the smart choice for drivers in the Beaver State.
How much does car insurance
cost in Oregon?
The average estimated cost of Lemonade car insurance in Oregon ranges from roughly $1,022 to $1,062 per month*. You’ll pay a different price each month; it’s a calculation of the number of miles you drive multiplied by your per-mile price, plus your monthly base price that doesn’t change.
How can I get cheaper car
insurance in 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 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 Oregon?
To meet Oregon car insurance coverage requirements, drivers must carry these coverages and minimum amounts to stay road-legal:
| Required minimum coverages for Oregon 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 does Lemonade offer in 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 moreOregon car insurance FAQs
What happens if I don’t have the minimum coverage required by Oregon?
If you don’t meet Oregon’s minimum coverage requirements, you could face fines of $135 to $1,000, suspension of your license and registration, possible vehicle impoundment, and be required to carry SR-22 insurance for three years.
Can I use digital proof of insurance in Oregon?
Yes, Oregon allows drivers to present digital proof of insurance using a smartphone or other electronic device. This digital alternative is accepted during traffic stops.
How can I lower my car insurance premium in Oregon?
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 Oregon 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.
What coverage is recommended for drivers in Oregon given the weather conditions?
In Oregon, comprehensive coverage is arguably a smart choice to safeguard against weather-related incidents like heavy rain, flooding, and hail damage. Additionally, collision coverage is valuable for protecting against accidents that might occur on slippery or icy roads during winter weather.
Are there any special insurance considerations for driving in rural Oregon?
In rural Oregon, you may face different risks such as wildlife collisions. Comprehensive coverage can help protect against damages from such incidents—like if you hit a deer late at night. It’s a good idea to adjust your policy based on your specific driving environment.
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.
Continue Reading
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