Looking for low cost Auto Insurance Rates? We can help.

LowOregonRates.com makes searching for cheap Oregon auto insurance rates easy. Simply fill in your zipcode on the graphic below and hit the go button. You'll receive up to four quotes from competing agents who want to help you save money on your insurance rates.

Auto insurance is mandatory in the state of Oregon. If you are issued a citation for driving without proof of insurance could result in fines, suspension of your driving privileges, and your vehicle could be impounded. If your are convicted of driving uninsured, will need to file proof of future financial responsibility (form SR-22) with the DMV for three years after the conviction or your driving privileges will be suspended.

Oregon state law requires a minimum coverage of $25,000 of Bodily Injury Liability per person up to a total of $50,000 for all persons injured in any one accident and $10,000 of Property Damage Liability. This basic level of coverage is often referred to as 25/50/10 coverage. While these are the state required minimum coverage amounts, this coverage level is probably not sufficient to fully protect you from financial loss or liability if you are at fault in an accident. If you do not have adequate coverage, the law allows an accident victim to potentially your assets under Oregon's tort system to cover the costs of their damages. Oregon law also requires residents to carry a minimum Personal Injury Protection coverage of $15,000 and a minimum Uninsured/Underinsured Motorist coverage of $25,000 per person up to a total of $50,000 per accident for any bodily injury caused by an uninsured and/or underinsured driver. Although these are state required minimums the insurance industry, most consumer groups and most agents typically recommend a minimum of $100,000 of bodily injury protection per person and $300,000 per accident. Additional coverage, such as medical payments, uninsured motorist coverage, comprehensive and collision are also advisable.

Oregon uses a fault-based or tort system of insurance. Under a tort system, the at fault party's insurance company pays the medical and rehabilitation expenses of the injured party in an auto accident. Additionally, the injured party can sue for other losses including pain and suffering. To protect yourself from financial loss, consider carrying more coverage than the state law requires.

Our customers come from Portland, Eugene, Salem, Gresham, Beaverton, Hillsboro, Medfor, Springfield, Bend, Corvallis, OR and other great cities in The Beaver State to find cheap life insurance and other coverage from top rated insurance companies. Our Oregon insurance agent and broker referral network can help you compare rates with ease.