When you get a free Oregon auto insurance quote, we'll show you if you could save even more with Esurance Pay Per Mile™. It's all-new, modern-world insurance that lets you pay based largely on how much you drive. It's one more smart way we help Oregonians save money on car insurance.
Oregon auto insurance discounts from esurance
We're busy as a beaver when it comes to finding Oregon drivers smart ways to save money on their car insurance. Here's a sampling of our unique discounts:
Multi-Car discount
Homeowners discount
Good Student discount
Switch & Save® discount
Fast 5® discount
Paid-in-Full discount
Defensive Driver discount
Multi-Policy discount*
Pac-12 discount
Some exclusions may apply. If you already have an Esurance policy and have questions about your discounts, give us a call at 1-800-ESURANCE (1-800-378-7262)
Esurance renters plus® discount in oregon**
Add renters coverage to your car insurance policy and you could qualify for our Renters Plus discount. It's an easy way to protect your valuables and your car on one policy and save.
Required coverages
Liability insurance can help pay others' expenses after you're found at fault in a car accident. Oregon insurance laws require you to carry at least the following liability limits:
$25,000 in bodily injury liability per person
$50,000 in bodily injury liability per incident
$20,000 in property damage liability per incident
It's common to see these limits written as 25/50/20.
Personal injury protection (PIP)
Drivers in Oregon also need $15,000 of PIP on their policies. This coverage can help pay medical-related expenses after an accident (including lost wages, if necessary), regardless of fault.
Uninsured motorist bodily injury
Like your bodily injury limits, your uninsured/underinsured motorist coverage limits need to be $25,000 per person/$50,000 per incident. If you're in an accident in which the at-fault driver has no insurance (or not enough to cover your expenses), this coverage can protect you and your passengers from paying your accident-related medical bills out of pocket.
Optional coverages
Esurance offers the following options to add to your Oregon policy for more financial protection and peace of mind:
Uninsured motorist property damage
Comprehensive
Collision
CarMatch Rental Coverage®
Towing and labor
Auto loan/lease gap
Customized parts and equipment
Already an Esurance policyholder? Call us at 1-800-ESURANCE (1-800-378-7262) if you have questions about your coverages. Some exclusions may apply.
Proof of auto insurance laws
Driving without car insurance can lead to fines and suspended driving privileges, among other penalties.
A report from the Insurance Research Council estimated that 9 percent of Oregon drivers were uninsured in 2012. This was below the national average of 12.6 percent.
To protect your finances from drivers without sufficient liability insurance, Oregon requires you to add uninsured motorist bodily injury coverage to your policy. You can also add uninsured motorist property damage coverage, which is optional, to help pay for your ride's repairs or replacement after an accident with an uninsured driver.
Plus, motorists in the Beaver State can benefit from a state law that allows digital proof of insurance, meaning drivers can pull up their auto insurance ID cards on their smartphones or other devices as legitimate evidence of auto coverage if they get pulled over in a traffic stop. If you're covered by Esurance in Oregon, you can access your ID cards and much more in our useful mobile app.
Factors that could impact oregon car insurance rates
In addition to the coverages, limits, and deductibles you choose when you customize your policy, the following could impact your car insurance premium in Oregon:
Driving record and claims history
Age, gender, and marital status
Year, make, and model of your car
ZIP Code where your car is parked
How you use your car (commuting, Sunday drives, etc.)
Prior insurance history, including lapses
Car repair shops in oregon
Esurance customers can take their damaged cars to shops in our E-star® network to take advantage of RepairView® and guaranteed repairs (for as long as the car is theirs).
Find an E-star shop near you.
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