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

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Non-owner car insurance in Oregon costs $450 a year, which is $97 more than the national average, according to an Insure.com 2023 rate analysis.

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?

Non-owner insurance is usually cheaper than full coverage auto insurance—insurance companies view non-owner policyholders as less risky because they have minimal access to a car.

On average in the U.S., it costs drivers with clean driving records and good credit scores $1,682 a year for a 100/300/100 full coverage insurance policy—$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for any damages to property. In Oregon, full coverage car insurance costs $1,217.

Meanwhile, non-owner auto insurance is $353 a year on average in the United States and $450 in Oregon.

But actual rates are based on your age and driving history and also where in Oregon you live.

Which insurer offers the cheapest non-owner insurance rates in Oregon?

With an average annual cost of $202, USAA’s non-owner insurance policy is Oregon’s most affordable.

At $676 a year, Nationwide charges the highest rate for non-owner insurance in the state.

The best way to find the lowest price is to compare quotes from several different insurers. We have listed Oregon’s most affordable non-owner insurance policies below.

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. Statistically, 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. In Oregon, a 45-year-old will pay an average of $464 annually for a non-owner insurance policy compared to a 16-year-old driver who will pay an average of $1,822.

Average non-owner car insurance rates in Oregon by age and gender

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Which Oregon cities have the cheapest non-owner auto insurance?

Rates differ from city to city. Insurers set rates based on data points such as theft, collisions and vandalism in different U.S. cities.

The tables below show which cities in Oregon have the lowest and highest non-owner car insurance rates.

The 20 Oregon cities with the lowest non-owner auto 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 non-owner insurance rates. The cost of non-owner insurance in Gresham is the most expensive at $650. Bend has the cheapest prices of the state’s largest cities at $403.

Non-owner car rates in Oregon’s 10 largest cities

How non-owner insurance rates in Oregon compare to rates in other states

Non-owner car insurance rates also differ from state to state. The average non-owner insurance rate in Oregon is $450 a year, which is more than the national average of $353. South Dakota is the least expensive at $170 annually, followed by Idaho at $190 per 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

Getting a non-owner insurance policy is as simple as providing your driver’s license 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 non-owner auto insurance policy, you’ll have to call an insurance company rather than go online for a quote.

“The most efficient way to go about finding the most affordable non-owner insurance is to work with an insurance broker, who is able to shop multiple insurance companies to find the best price,” says Lauren McKenzie, an insurance agent with A Plus Insurance.

Below are a few insurance companies with contact numbers to call 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.

Explore other insurance options in Oregon

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Leslie Kasperowicz

Managing Editor

 

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com.