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

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.

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.

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.

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.

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.

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.

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.

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.

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.