Car Insurance Non-owner auto insurance in Oregon: Which company has the cheapest rates? Residents pay an average of $483 for non-owner car insurance, but USAA and State Farm offer lower rates. Written by: Leslie Kasperowicz | Reviewed by: Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Posted on March 14, 2023 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. It costs an average of $483 a year for non-owner car insurance in Oregon, which is $103 more than the average nationally, according to a 2023 rate analysis from Insure.com. In Oregon, non-owner policies are available from companies such as Geico, Travelers and Kemper Insurance. “Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage. Learn more about the various requirements, what non-owner insurance is, which companies offer it and how much it costs in Oregon. How much does non-owner car insurance cost in Oregon? It’s usually cheaper to buy a non-owner insurance policy than typical auto insurance because insurance companies regard non-owner policyholders as less risky due to their minimal access to a car. In the United States, it costs drivers with a clean driving record and good credit score an average of $1,682 annually for a 100/300/100 full coverage insurance policy. This includes $100,000 for injuries you might cause in an accident, up to $300,000 per accident, and an additional $100,000 for property damage. In Oregon, full coverage car insurance costs $1,217 a year. Meanwhile, non-owner car insurance costs $483 in Oregon and $380 on average in the U.S. Rates are based on factors such as how old you are, your chosen insurance company and your driving history. Which insurer offers the cheapest non-owner insurance rates in Oregon? USAA offers Oregon’s least expensive non-owner insurance policy at $202. At $676, Nationwide charges the highest rate for non-owner insurance in the state. To find the best price, compare quotes from different insurance companies. Below is a list of the cheapest non-owner insurance available in the state. Cheapest non-owner insurance rates in Oregon CompanyAverage annual premiumUSAA$202State Farm$249Geico$255Travelers$354Kemper Insurance$354 Note that USAA only offers coverage to military members, veterans and their families. How much is non-owner car insurance in Oregon by age? Age is an important factor when it comes to pricing. Young drivers are a higher risk because they haven’t been driving for long and are more likely to cause an accident than older, more experienced drivers. Oregon non-owner insurance costs $1,972 a year for a 16-year-old, whereas it’s $497 for a 45-year-old driver. Average non-owner car insurance rates in Oregon by age and gender AgeMaleFemale16$1,993$1,95017$1,713$1,68218$1,441$1,42019$972$95220$904$88721$707$70722$637$64323$608$61724$589$60225$534$56730$492$53035$486$52840$483$52645$476$51850$466$50255$455$48260$458$47965$481$50870$512$53575$580$586 Which Oregon cities have the cheapest non-owner auto insurance? Rates vary from ZIP code to ZIP code. Insurers consider the number of thefts, collisions and vandalism in different areas when calculating rates. The tables below show Oregon cities with the cheapest and most expensive non-owner auto insurance rates. The 20 Oregon cities with the lowest non-owner car insurance rates Cities in OregonLowest non-owner car insurance ratesBaker City$360Halfway$362Richland$362Enterprise$363Joseph$363Union$364La Grande$366Cove$367Hines$368Burns$369Granite$369Durkee$370John Day$370Lostine$370Oxbow$370Prairie City$370Princeton$370Hereford$371Imbler$371Summerville$371 The 20 Oregon cities with the highest non-owner car insurance rates Cities in OregonHighest non-owner car insurance ratesGresham$650Fairview$647Portland$632Troutdale$630Happy Valley$625Milwaukie$624Clackamas$616Damascus$597Oak Grove$595Boring$587Estacada$587Eagle Creek$585Gladstone$584Molalla$584Aloha$583Beavercreek$580Beaverton$577Bridal Veil$576Mulino$576Cornelius$571 How much is non-owner auto insurance in Oregon’s 10 biggest cities? The largest cities in Oregon have varying rates. The cost of non-owner insurance in Gresham is the most expensive at $650, while Bend has the least expensive prices among the state’s largest cities at $403. Non-owner auto rates in Oregon’s 10 largest cities 10 largest cities in OregonNon-owner car ratesGresham$650Portland$632Beaverton$577Hillsboro$563Salem$524Springfield$444Eugene$437Corvallis$430Medford$412Bend$403 How non-owner insurance rates in Oregon compare to rates in other states The rates for non-owner car insurance vary between states. Oregon’s average non-owner insurance rate is $483, more than the national average of $380. South Dakota is the cheapest at $170 annually, followed by Idaho at $190 a year and Iowa at $193 per year. Non-owner auto insurance rates in the 10 most populous states StateAverage annual premiumNorth Carolina$926Florida$759New York$578Michigan$574Texas$408Illinois$385National Average$380Georgia$373Pennsylvania$337California$323Ohio$230 How to get non-owner car insurance in Oregon To get a non-owner policy, you’ll need your driver’s license number and a credit or debit card. To purchase a policy, follow these steps: Contact an auto insurance agent about the coverage Supply your basic driving history Review the information you receive on the insurers and rates Choose the policy that best meets your needs Put down a payment to begin coverage In many cases, you’ll get proof of insurance almost immediately. For a quote on a non-owner insurance policy, don’t go online and call your insurer instead. “You must pick up the phone to request a non-owner insurance quote. Although the majority of the major auto insurance providers provide non-owner policies, none of them provide online non-owner insurance estimates,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer-credit service and consulting company. Below are a few insurers with phone numbers for a non-owner insurance quote. State Farm: 800-782-8332 Geico: 800-207-7847 Progressive: 888-671-4405 Allstate: 800-726-6033. USAA: 800-531-8722 Methodology Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... Full coverage auto insurance: What it costs to get covered A complete guide to car insurance for seniors A complete guide to adding a teenager to your car insurance policy What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Buying and insuring a used car: Most and least expensive models to insure in 202... 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How non-owner insurance rates in Oregon compare to rates in other states How to get non-owner car insurance in Oregon Get instant quotes now ! Please enter valid zip Get quote