Cheapest And Best Non-Owner Car Insurance In Oregon 2024

Through thorough investigation, we’ve established that Kemper offers the most economical and highest-standard non-owner car insurance in Oregon.

We’ve saved shoppers an average of $600 per year on their car insurance.

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Written by Bob Phillips
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Many Oregon residents are choosing to forgo traditional ownership models, opting to share or rent vehicles as needed. Non-owner car insurance provides a viable solution by offering both financial protection and peace of mind.

Leveraging 15 years of experience as an insurance agent and over 35 years of purchasing car insurance, I possess in-depth knowledge of Oregon’s insurance market and the unique attributes of different providers.

Cheapest Non-Owner Car Insurance In Oregon, 2024

Non-Owner Car Insurance, Oregon 2024

Compare The Cheapest And Best Non Owner Car Insurance In Oregon

Overall Rating Best Suited For A.M. Best Rating J.D. Power Rating Average Monthly Cost Get A Quote
Kemper
4.7

Cheapest Overall

A-

736

$35

Instant Quote
Farmers
4.6

Cheapest Non-Owner SR-22

A-

810

$62

Instant Quote
State Farm
4.9

Best Overall

A++

826

$53

Instant Quote
Progressive
4.8

Cheapest With A Clean Driving Record

A+

809

$36

Instant Quote
Travelers
4.8

Best Runner-up

A++

NR

$44

Instant Quote
Scroll to see comparisons

Cheapest Non Owner Car Insurance Companies In Oregon


Cheapest Overall

Overall Rating
4.7

Key Statistics

10/10 Affordability
7/10 Customer Reviews
8/10 Claim Payouts
10/10 Coverage Level

Why We Like Them

If you’re in Oregon and need budget-friendly car insurance, even without owning a car, Kemper might fit the bill. They specialize in offering cheap auto insurance for drivers considered high-risk. Their policies are available through independent agents not only in Oregon but also across other states.

Though Kemper strives for low rates, it doesn’t excel in customer satisfaction, as per the National Association of Insurance Commissioners. Nevertheless, it remains a popular choice and stands as the 11th largest insurer in the US.

For active-duty military, National Guard members, deployed individuals, or those on military bases who often use someone else’s car, Kemper could be a good fit.

Car insurance in Oregon can be pricey due to factors like heavy traffic and many drivers lacking sufficient coverage. This makes owning and insuring a vehicle tough for many. As a result, more people are choosing not to own cars or are relying on rentals. Non-owner car insurance, which is affordable, is becoming a favored solution for many in Oregon who don’t need traditional car insurance anymore.

Benefits & Drawbacks

Benefits
  • Offers affordable insurance prices designed specifically for people living in Oregon who don't own a car.
  • If necessary, be sure to obtain an SR-22 form.
  • AM Best gives a high rating for financial stability.
Drawbacks
  • Numerous clients have voiced discontent regarding the assistance offered to individuals with insurance.
  • A mobile application receiving poor ratings from users on their smartphones.

Rates For The Cheapest Non Owner Car Insurance In Oregon

Insurance company Monthly Rate
Progressive $52
State Farm $44
Kemper $42
GEICO $46
Travelers $48

Cheapest Non Owner SR-22

Overall Rating
4.7

Key Statistics

9/10 Affordability
7/10 Customer Reviews
9/10 Claim Payouts
8/10 Coverage Level

Why We Like Them

Farmers is well-known for its reliable non-owner car insurance, which is especially useful for drivers who need an SR-22 form. This form is required for those considered “high-risk” by the state due to offenses like DUIs, reckless driving, or driving without insurance.

What makes Farmers stand out is their customized support for high-risk drivers. They not only offer SR-22 insurance but also help drivers quickly reinstate suspended licenses. This dedication to making things easier for high-risk drivers sets Farmers apart from other insurance companies.

In terms of cost, Farmers provides SR-22 insurance at just a 2% higher rate than regular car insurance on average. This affordability, along with comprehensive coverage, makes Farmers a practical choice for Oregon drivers who need an SR-22.

Getting non-owner SR-22 insurance is a smart decision for high-risk drivers who don’t own vehicles but still need to drive occasionally. It gives them liability coverage, ensuring financial protection in case of accidents while driving borrowed or rented vehicles.

Moreover, it helps maintain continuous insurance coverage, demonstrating financial responsibility and preventing potential gaps in insurance history that could lead to higher premiums in the future.

Benefits & Drawbacks

Benefits
  • Concentrates on helping people flagged as high-risk drivers.
  • We offer budget-friendly rates for SR-22 insurance designed specifically for individuals who don't have their own vehicles.
  • You have several options for insurance available.
Drawbacks
  • Several customers are experiencing problems with how their insurance claims are being managed and resolved.
  • Auto insurance premiums might go up for individuals considered at higher risk for accidents or making insurance claims.

Rates For The Cheapest Non-Owner SR-22 In Oregon

Insurance company Monthly Rate
Progressive $89
GEICO $70
State Farm $48
Farmers $46
Travelers $65

Cheapest With A Clean Driving Record

Overall Rating
4.8

Key Statistics

9/10 Affordability
8/10 Customer Reviews
8/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

If you’re in Oregon without a car but need insurance, Progressive is a good option, especially if you drive carefully. Their non-owner car insurance covers accidents like injuries and property damage, which is important since Oregon requires all vehicles on its roads to have financial responsibility.

You can get Progressive’s non-owner car insurance from independent agents or directly from them. They are known for quickly handling claims and having a strong financial position.

Having a clean driving record can get you lower premiums on non-owner car insurance. Insurance companies see you as less risky because of your safe driving habits. This also helps them avoid losses from claims, which keeps their rates competitive. So, maintaining a good driving history can significantly reduce your insurance costs.

Benefits & Drawbacks

Benefits
  • There are numerous choices available when it comes to obtaining insurance.
  • Incredible deals offered to drivers who make safety their top priority.
  • Motorists with a clean driving record, without any accidents or violations of traffic laws, may qualify for reduced insurance rates.
Drawbacks
  • Customers have varying opinions regarding the quality of service they receive.
  • Lack of insurance protection for rented vehicles
  • Certain states may not provide options for car insurance to individuals who do not own a vehicle.

Cheapest Non-Owner Car Insurance Rates With A Clean Driving Record

Insurance company Monthly rate
Travelers $49
GEICO $46
State Farm $40
Progressive $38
Farmers $69

Best Overall Non Owner Car Insurance

Overall Rating
4.9

Key Statistics

9/10 Affordability
10/10 Customer Reviews
10/10 Claim Payouts
8/10 Coverage Level

Why We Like Them

Oregonians often opt for State Farm when seeking non-owner car insurance. This choice is popular due to State Farm’s competitive pricing, diverse coverage options, and excellent customer support.

Though State Farm may not boast the lowest rates, their non-owner liability coverage starts at $213 per year. This coverage safeguards against potential injuries or property damage caused by the insured.

Moreover, if you already have a personal auto policy with State Farm that includes comprehensive coverage, it can extend to cover your rental car, providing added reassurance.

State Farm distinguishes itself with its commitment to customer care. They prioritize accessibility through their mobile app and dedicated contact line, ensuring policyholders can easily obtain assistance whenever necessary.

While affordability is important, reliable customer service is equally vital. The essence of insurance lies in feeling secure and having confidence that support will be readily available when required. Hence, an insurance provider’s efficacy in managing claims and providing guidance holds significant value.

Benefits & Drawbacks

Benefits
  • A broad spectrum
  • Competitive pricing
  • Unbelievable customer satisfaction
Drawbacks
  • Typically, generic insurance policies that aren't customized to fit the individual needs of the vehicle owner might not provide full coverage in the event of accidents or collisions.
  • They provide discounts, but there's only a finite amount available.
  • You can find cheaper alternatives.

Best Runner-Up

Overall Rating
4.8

Key Statistics

9/10 Affordability
8/10 Customer Reviews
8/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

In Oregon, Travelers stands out as a popular choice for those seeking non-owner car insurance. They’re recognized for tailoring plans to meet specific requirements and delivering exceptional customer service.

It’s essential to have a reliable insurance provider, especially during emergencies or when making claims, and Travelers surpasses expectations by providing quick and efficient support, showing their commitment to customer satisfaction. Their insurance options include basic liability, collision, and uninsured/underinsured coverage, all offered at reasonable prices.

Non-owner car insurance primarily protects you from being responsible for damages you cause to others. You can also enhance your coverage by adding comprehensive and collision coverage, safeguarding against theft, vandalism, natural disasters, and accidents involving other vehicles or objects, regardless of who’s at fault.

Benefits & Drawbacks

Benefits
  • Absolute protection
  • Outstanding customer service
  • Competitive pricing
Drawbacks
  • Right now, you can't get price estimates online.
  • Special deals with limitations
  • Auto insurance prices might go up for drivers considered more likely to get into accidents.

Average Cost Of Non-Owner Car Insurance In Oregon

Deciphering non-owner car insurance options can be overwhelming with the abundance of providers and rate variations. It’s essential to understand the financial consequences of your decisions.

To assist, we’ve developed a comparison chart displaying rates from five top providers.

Insurer Average Monthly Rate
Progressive $53
State Farm $28
USAA $20
Geico $53
Farmers $63

How Much Is Non-Owner Car Insurance In Oregon’s 10 Biggest Cities?

Car insurance rates are affected by the size of the city you live in. Residents of larger cities with heavier traffic typically face higher premiums.

City Average Annual Rate
Springfield $446
Eugene $442
Corvallis $435
Medford $414
Bend $406
Gresham $654
Portland $634
Beaverton $579
Hillsboro $565
Salem $526

Average Cost Of Non-Owner Car Insurance In Oregon Cities

Highlighted are the standard rates for five diminutive towns in Oregon.

City Sample Average Annual Rate
La Grande $368
Cove $369
Hines $370
Baker City $362
Halfway $365

How Much Is Non-Owner Car Insurance In Oregon By Age?

Like with comprehensive car insurance, the cost of non-owner car insurance in Oregon is highest for teenage drivers and decreases annually until age 55.

Here are some sample rates for non-owner car insurance at different ages.

Age Average Annual Rate
16 $1,855
17 $1,545
18 $1,280
19 $859
20 $787
21 $600
22 $568
23 $536
24 $518
25 $488
30 $462
35 $456
40 $452
45 $448
50 $440
55 $432
60 $435
65 $464
70 $487
75 $552

How Non-Owner Insurance Rates In Oregon Compare To Rates In Other States

Non-owner car insurance in Oregon averages at $452 annually, surprisingly less than the national average of $353.

Here’s the breakdown for the 12 most populated states:

State Average Annual Premium
North Carolina $937
Florida $770
New York $590
Michigan $585
Texas $419
Illinois $396
Georgia $384
National Average $353
Pennsylvania $348
California $323
Ohio $241

Should You Get Non-Owner Car Insurance In Oregon?

Non-owner auto insurance is tailored for those who don’t own a car but still drive now and then. It provides liability coverage if you have an accident while driving a borrowed or rented vehicle. Some residents of Oregon should consider purchasing non-owner car insurance.

Frequent Renters And Borrowers

For individuals who regularly rent cars or borrow them from others, non-owner car insurance is a worthwhile consideration. Although rental companies provide insurance options, they can be expensive for frequent renters. Likewise, while the owner’s insurance might cover certain accidents, having your own policy ensures protection without impacting the owner’s premium.

Public Transport Commuters With Occasional Driving Needs

For many Oregon residents, public transport or rideshare apps are the mainstays of their daily travels, reserving personal vehicle use for infrequent occasions. This lifestyle choice is common among urban residents with access to efficient public transit or those who opt for alternative modes of transportation like biking or walking.

However, there are times when driving cannot be avoided. Non-owner insurance ensures financial protection in such situations.

Individuals Trying To Maintain Continuous Coverage

Drivers who don’t maintain continuous insurance coverage are often perceived as high-risk by insurance companies, potentially leading to increased premiums when they purchase a car.

If you’ve sold your vehicle and won’t have one for a while, obtaining a non-owner policy can help keep your coverage continuous and protect your insurance history. This can be advantageous when you later buy a car and need standard insurance.

What Does Non-Owner Car Insurance Cover?

Non-owner car insurance is tailored for those who don’t own a vehicle but still need coverage. Its main focus is on liability coverage, which pays for others’ injuries or property damage in an accident where you’re responsible.

However, it’s important to note that it won’t cover any damage to the car you’re driving; the owner’s insurance is responsible for that. Some policies may include extras like medical payments or personal injury protection, covering medical expenses regardless of fault.

You can also opt for uninsured/underinsured motorist protection to protect against drivers with insufficient coverage. However, non-owner insurance doesn’t cover damages from theft, vandalism, natural disasters, or collisions.

What Is Non-Owner Car Insurance?

If you frequently drive cars that you don’t own, like rental or borrowed ones, you might consider getting non-owner car insurance. This type of insurance mainly covers liability, meaning if you cause an accident while driving someone else’s car, your policy can pay for the medical and repair costs of the other person involved.

Some insurers may offer extra options, such as protection against uninsured drivers or coverage for personal injuries. However, it’s important to note that non-owner insurance typically doesn’t include coverage for damage to the car you’re driving. It’s a wise choice for people who often rent or borrow cars, giving them an added layer of protection.

Additionally, it could be more affordable compared to always buying insurance from the rental company. Plus, having this policy ensures you have continuous insurance coverage, which might lead to lower premiums if you decide to buy a car later on.

Coverage Type Non-Owner Car Insurance Full Coverage Policy
Liability Coverage Covers bodily injury and property damage you cause to others. Covers bodily injury and property damage you cause to others.
Comprehensive Coverage Does not cover damages to the vehicle you’re driving from non-collision incidents like theft, fire, or vandalism. Covers damages to your vehicle from non-collision incidents like theft, fire, or vandalism.
Collision Coverage Does not cover damages to the vehicle you’re driving from a collision, regardless of fault. Covers damages to your vehicle from a collision, regardless of fault.
Uninsured/Underinsured Motorist Protection Optional. Some insurers offer this as an additional coverage. Can cover your losses if you’re involved in an accident with an uninsured or underinsured driver.
Personal Injury Protection (PIP) Optional. Some insurers offer this as an additional coverage. Can cover medical expenses for you and your passengers, regardless of who is at fault.
Rental Car Coverage Provides liability coverage when you rent a vehicle. Typically requires additional rental reimbursement coverage.

What Is SR-22 Insurance?

In essence, SR-22 isn’t an insurance policy but rather a validation of your vehicle liability coverage. Most state DMVs require it for high-risk insurance policies, acting as evidence that you’re meeting the minimum liability insurance standards.

This paperwork, managed by your insurance provider, is vital for individuals facing license suspension due to traffic infractions or serious offenses like DUIs. Essentially, it confirms your financial responsibility by showing you’ve secured the necessary auto liability insurance.

Typically, it’s a state or court requirement, particularly for high-risk drivers, and your insurer is obliged to notify the state if your coverage lapses.

How To Get Non-Owner Car Insurance In Oregon

Secure non-owner car insurance in Oregon efficiently by following these five steps.

Understand Your Needs

Before you start, it’s crucial to comprehend why non-owner car insurance is essential. Do you frequently rent cars or borrow from friends or family? Do you need a non-owner SR-22 form for license reinstatement? Clearly defining your requirements is necessary for finding the best fit.

1

Gather Your Personal Information

When you’re seeking a non-owner car insurance quote, expect to provide basic personal information like your name, address, and driver’s license number. This information is crucial for the insurer to assess your risk and calculate your insurance cost.

2

Compare Rates From Different Providers

Different insurance companies set different rates for non-owner car insurance. It’s recommended to compare quotes from multiple providers to find the most affordable option.

3

Choose The Right Coverage

Non-owner car insurance typically provides liability coverage, reimbursing expenses if you cause an accident. Additional coverages such as uninsured motorist protection or medical payments might be available depending on your requirements and the insurer. It’s important to choose a policy that suits your specific needs.

4

Purchase Your Policy And Obtain Proof Of Insurance

Once you’ve made your policy selection, you can typically buy it online or over the phone. Shortly after purchasing, you’ll receive proof of insurance, usually by email. If needed, your provider can also manage the filing of an SR-22 for you.

5

Our Methodology

By conducting a comprehensive review that encompasses customer service ratings, product choices, pricing comparisons, and evaluations from various online review platforms and user feedback, I've gained a thorough understanding of non-owner car insurance providers.

This understanding is grounded in my extensive experience of over 15 years as a licensed agent in Oregon, complemented by numerous interactions with representatives from different companies and firsthand purchasing experiences.

62

Quotes Analyzed

15+

Years Of Industry Experience

19

Brands Reviewed

30+

Research Hours

FAQs

Do you need car insurance if you don’t own a car in Oregon?

Car insurance is a requirement in Oregon, irrespective of car ownership. Non-owner car insurance is ideal for those who frequently drive borrowed or rented vehicles, providing liability coverage for accidents that occur while driving.

Can I buy auto insurance for someone else’s car in Oregon?

Yes, it’s possible to buy auto insurance for someone else’s car in Oregon. However, it’s not as easy as insuring your own car. Insurance companies typically prefer to see a relationship between the policyholder and the car, such as co-ownership or regular use.

Who offers the cheapest non owners car insurance in Oregon?

Our investigation demonstrates that Kemper is the go-to for low-cost non-driver auto insurance in Oregon.

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