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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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:
- State Farm: $36 per month
- GEICO: $42 per month
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.
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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:
- State Farm: $44 per month
- Travelers: $61 per month
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.
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 | Non-Owner |
---|---|---|
Liability insurance | ||
Medical payments | ||
Personal injury protection | ||
Uninsured/underinsured motorist | ||
Rental car liability | ||
Collision | ||
Comprehensive |
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
Monthly Premium
$43Monthly Premium
$50This 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.

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.

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.

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.
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?
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.
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.
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.
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.
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.
About Mark Fitzpatrick
