Cheapest and Best Non-Owner Car Insurance in Oregon (2024)

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Updated: May 20, 2024

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Non-owner car insurance provides auto liability coverage to individuals who don't own a vehicle but still need protection while driving. This type of insurance is beneficial for those who frequently borrow cars or require continuous coverage despite not owning a vehicle. Non-owner car insurance can also aid drivers with violations like DUIs in reinstating their suspended or revoked driver's licenses.

MoneyGeek found that State Farm offers the most affordable non-owner car insurance in Oregon. It is also the top non-owner insurance provider in the state, striking the optimal balance between affordability and high-quality service. Even after a violation, State Farm remains the cheapest non-owner SR-22 car insurance option in Oregon.

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Why Trust MoneyGeek? MoneyGeek sourced Oregon data from Quadrant Information Services and examined customer and claim satisfaction ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).

320Plans Analyzed
8Providers Compared

Cheapest Non-Owner Car Insurance in Oregon

Oregon drivers can find the cheapest non-owner car insurance policies from State Farm at these rates:

  • Drivers with clean records: State Farm ($36 per month)
  • Drivers with violations: State Farm ($44 per month)

Expect to spend more on non-owner car insurance coverage if you have a driving offense on your record. State Farm charges drivers with violations an additional $8 per month compared to those with clean records.

Cheapest Non-Owner Car Insurance With a Clean Driving Record in Oregon

The most affordable non-owner auto insurance providers for Oregon residents with clean driving histories are:

USAA is the cheapest insurer for non-owner car insurance in Oregon, with an average monthly cost of approximately $33. However, its policies are exclusively available to veterans, active military members and their families. On average, non-owner car insurance policies in Oregon cost $50 per month — $7 more than the national average of $43 per month.

State FarmCheapest Annual Premium$433Cheapest Monthly Premium$36
GEICOCheapest Annual Premium$502Cheapest Monthly Premium$42
TravelersCheapest Annual Premium$534Cheapest Monthly Premium$45
KemperCheapest Annual Premium$549Cheapest Monthly Premium$46
ProgressiveCheapest Annual Premium$605Cheapest Monthly Premium$50
FarmersCheapest Annual Premium$806Cheapest Monthly Premium$67
NationwideCheapest Annual Premium$947Cheapest Monthly Premium$79
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Non-owner car insurance in Oregon should meet the state's minimum coverage requirements, which consist of the following:

  • $25,000 for bodily injury liability per person
  • $50,000 for bodily injury liability per accident
  • $20,000 for property damage liability
  • $25,000 for uninsured/underinsured motorist coverage per person
  • $50,000 for uninsured/underinsured motorist coverage per accident

While these limits satisfy the legal minimum, it's important to recognize that they may not offer sufficient coverage for all drivers. It would be best if you worked out how much coverage you need before signing up for a non-owner car insurance policy, so you can be sure you're getting adequate protection tailored to your circumstances.

Cheapest Non-Owner SR-22 Car Insurance in Oregon

These insurance providers offer the most affordable non-owner car insurance for Oregon drivers with violations:

Military members can buy low-cost SR-22 coverage from USAA at $52 per month.

If you have a driving offense such as a DUI or at-fault accident on your record, you may be required to file an SR-22, leading to increased insurance costs. Oregon's cheapest non-owner SR-22 insurance costs $44 per month — $15 less than the national average of $59.

State FarmCheapest Annual Premium$526Cheapest Monthly Premium$44
TravelersCheapest Annual Premium$735Cheapest Monthly Premium$61
KemperCheapest Annual Premium$768Cheapest Monthly Premium$64
GEICOCheapest Annual Premium$818Cheapest Monthly Premium$68
ProgressiveCheapest Annual Premium$1,043Cheapest Monthly Premium$87
NationwideCheapest Annual Premium$1,048Cheapest Monthly Premium$87
FarmersCheapest Annual Premium$1,145Cheapest Monthly Premium$95
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Though it's commonly referred to as "SR-22 car insurance," it's important to clarify that SR-22 is not a type of car insurance policy but rather a form that serves as proof of financial responsibility. It is required for individuals who have been involved in certain traffic violations or at-fault accidents.

What Is Non-Owner Car Insurance?

Non-owner car insurance in Oregon provides liability coverage for individuals who drive but do not own a car. It specifically covers bodily injuries and property damage for which the driver may be responsible in an accident. However, it does not include comprehensive and collision coverage for personal injuries or damages to your vehicle.

If you frequently use rental cars, borrow vehicles from friends or wish to prevent a premium increase following a lapse in regular auto insurance coverage, non-owner car insurance can be a smart choice. The table below illustrates the differences in coverage between non-owner and full coverage policies.

Policy Coverage
Full Coverage

Liability insurance

Medical payments

Personal injury protection

Uninsured/underinsured motorist

Rental car liability

Average Cost of Non-Owner Car Insurance in Oregon

Non-owner car insurance in Oregon typically costs around $50 per month, which is slightly more expensive than the national average of $43 per month.

Your location influences your insurance rates. However, other factors such as age, driving record, coverage limits and the type of vehicle you drive can have a more substantial impact on your car insurance premiums.

Non-Owner Car Insurance Cost Comparison: National vs. State

National Average Cost

Monthly Premium

Oregon Average Cost

Monthly Premium

On average, non-owner car insurance in Oregon is:$7 more

This is 16% more expensive.

Best Non-Owner Car Insurance in Oregon

The best providers of non-owner car insurance in Oregon are:

  • State Farm: MoneyGeek score 72 out of 100 ($36 per month)
  • Travelers: MoneyGeek score 69 out of 100 ($45 per month)
  • GEICO: MoneyGeek score 67 out of 100 ($42 per month)

MoneyGeek evaluated essential factors, like affordability, customer satisfaction ratings from J.D. Power and financial stability ratings provided by AM Best. Go over our comprehensive reviews of these leading companies to gain valuable insights that can help you choose the provider best suited to your needs.

MoneyGeek Top Pick
State Farm

State Farm is known for its highly competitive premiums and commitment to providing top-notch customer service. Although its selection of add-on coverages is relatively limited, policyholders can easily take advantage of its numerous discounts to significantly reduce their premiums. You can qualify for discounts by insuring multiple vehicles, bundling policies, maintaining a clean driving record for at least three years and driving a car with safety features such as anti-lock braking systems or daytime running lamps.

Read the full State Farm review.


Travelers distinguishes itself with a wide range of coverage options, solid financial stability and competitive pricing. However, its claims management may not match up to its competitors.

Travelers provides various discounts to help customers save on their insurance premiums. These include savings for bundling multiple insurance policies, insuring multiple vehicles, maintaining a safe driving record and signing up for paperless billing. In addition to these commonly offered discounts, Travelers offers unique savings opportunities for new vehicle owners, hybrid car drivers, loyal customers and homeowners.

Read the full Travelers review.

Third Place

GEICO excels in delivering excellent customer service at an affordable price. However, its performance in claims management falls slightly behind that of its competitors, and it offers a more limited range of coverage options.

GEICO offers various discounts that can significantly reduce the cost of your car insurance. These discounts include incentives for installing safety features such as airbags, anti-theft systems, anti-lock brakes and daytime running lights in your vehicle. You can also enjoy discounts by bundling multiple insurance products with GEICO and maintaining a safe driving record.

Read the full GEICO review.

Should You Get Non-Owner Car Insurance in Oregon?

Non-owner car insurance is ideally suited for drivers who don't own a vehicle, such as those who rent or borrow cars. It can also be a practical alternative for drivers who wish to avoid gaps in coverage. Individuals with a suspended or revoked driver's license may also benefit from having non-owner car insurance.

Who Should Consider Non-Owner Car Insurance?

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    Car borrowers

    Non-owner car insurance is an affordable alternative to comprehensive auto insurance, making it a practical choice for those who do not own a vehicle but regularly borrow vehicles. By acquiring this policy, you can ensure liability protection in the event of an accident.

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    Occasional renters

    Drivers who occasionally rent cars stand to benefit from having non-owner car insurance since it covers property damage and bodily injury liability in case of an at-fault accident. It also enables renters to obtain necessary liability coverage at a reduced cost compared to traditional car insurance policies.

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    Drivers between cars

    Purchasing non-owner car insurance can help you avoid a break in your coverage history and the resulting increase in premiums. If you have recently sold your vehicle or don't anticipate driving for an extended period, non-owner car insurance provides an affordable alternative to prevent costly insurance premiums when you decide to obtain regular coverage again.

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    License reinstatement seekers

    If your driver's license has been suspended or revoked, you may need to obtain non-owner car insurance and file an SR-22 form to reinstate your license. The SR-22 serves as proof of insurance and can assist in restoring your driving privileges.

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Exercise caution when encountering insurers that offer "one-day insurance," as it is often a scam rather than a legitimate insurance product. If you require coverage for a short period, consider purchasing insurance directly from the rental car insurance company. Multiple options are available for obtaining short-term coverage in Oregon, ensuring you have the necessary coverage for your temporary insurance needs, such as moving or going on a road trip.

Frequently Asked Questions About Non-Owner Car Insurance in Oregon

MoneyGeek addressed the most common queries about non-owner car insurance in Oregon to provide you with the key information you need to choose the right provider for you.

Which company offers the cheapest non-owner car insurance in Oregon?
Which companies offer non-owner car insurance with the best mix of quality and affordability in Oregon?
How much does non-owner car insurance cost in Oregon?

About Mark Fitzpatrick

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Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.