Non-owner auto insurance in Oregon: Which company has the cheapest rates?

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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

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

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

The 20 Oregon cities with the highest non-owner car insurance rates

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

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

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:

1. Contact an auto insurance agent about the coverage
2. Supply your basic driving history
3. Review the information you receive on the insurers and rates
4. Choose the policy that best meets your needs
5. 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.