Non-Owner Car Insurance in Oregon: The Cheapest Options and What You Need to Know

In Oregon, non-owner car insurance costs $525 per year on average. MoneyGeek gathered quotes from Oregon insurers and determined that GEICO is the state’s most affordable insurer at an average cost of $349 per year. This guide shares more information about how non-owner car insurance works in Oregon.

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Last Updated: 8/16/2022

If you need proof of insurance to get your driver’s license reinstated, regularly use a car-sharing service or drive a rental car, non-owner car insurance is the best option for you.

Oregon’s non-owner car insurance costs an average of $525 per year. Drivers with serious driving violations, such as a DUI, pay an average of $759 per year for the same coverage.

MoneyGeek analyzed different non-owner car insurance companies in Oregon to help you find the most affordable car insurance policies and explains when you should and shouldn’t have non-owner car insurance in Oregon. MoneyGeek’s analysis shows which car insurance companies in Oregon offer the most affordable policies. We also detail when you should and shouldn’t purchase non-owner car insurance.

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Cheapest Non-Owner Car Insurance Companies in Oregon

Although non-owner car insurance costs less than a traditional policy, you could save more money by comparing quotes from several insurers.

MoneyGeek’s study shows that, on average, these car insurance companies offer the cheapest non-owner car insurance in Oregon:

  • GEICO: $349 per year
  • Travelers: $388 per year

USAA offers Oregon’s cheapest non-owner car insurance at an average of $229 per year, but it is only available to military members and their families.

Nationwide offers the most expensive non-owner car insurance in the state at an average rate of $956 annually.

The rates in this guide are for a 40-year-old driver with non-owner car insurance in Oregon with limits specified in MoneyGeek’s methodology.

Cheapest Non-Owner Car Insurance Companies in Oregon

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $229
    $19
  • GEICO
    $349
    $29
  • Travelers
    $388
    $32
  • State Farm
    $467
    $39
  • Progressive
    $520
    $43
  • Farmers
    $561
    $47
  • MetLife
    $726
    $61
  • Nationwide
    $956
    $80
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How Much Is Non-Owner Car Insurance in Oregon?

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The average cost of non-owner car insurance across Oregon is $525 per year. It’s $307 cheaper than a traditional policy, which costs an average of $832 annually. However, a serious driving violation on your record, such as a DUI, significantly affects the cost of any car insurance policy.

For example, a driver with a DUI in Oregon pays an average of $1,272 for a standard car insurance policy per year. Non-owner car insurance costs an average of $759 each year for the same driver.

Cheapest SR-22 Non-Owner Car Insurance Companies in Oregon

In Oregon, you need SR-22 insurance to get your driver’s license reinstated after committing a serious driving violation, such as a DUI. To get an SR-22 in Oregon, you’ll need proof of insurance even if you don’t own a car. In these situations, a non-owner SR-22 policy is your most affordable option.

To help you find cheap non-owner car insurance in Oregon for drivers with a DUI, MoneyGeek determined that the most affordable insurers in the state, on average, are:

  • State Farm: $467 per year
  • Travelers: $549 per year

If you belong to a military family, USAA is the cheapest option and costs an average annual rate of $363.

The state’s most expensive insurer is MetLife, with an average annual cost of $1,599.

Cheapest SR-22 Non-Owner Car Insurance Companies in Oregon

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $363
    $30
  • State Farm
    $467
    $39
  • Travelers
    $549
    $46
  • Progressive
    $639
    $53
  • GEICO
    $717
    $60
  • Farmers
    $778
    $65
  • Nationwide
    $956
    $80
  • MetLife
    $1,599
    $133
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What Is Non-Owner Car Insurance in Oregon?

Non-owner car insurance, also known as non-owner liability insurance, is a great option for drivers without a car in Oregon. It includes liability coverage and other minimum insurance requirements mandated by the state. You cannot add collision and comprehensive coverage, also known as full coverage insurance, to a non-owner car insurance policy.

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A non-owner car insurance policy in Oregon still needs to meet the state’s minimum coverage requirements, including:

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $20,000 for property damage per accident
  • $25,000 uninsured motorist coverage per person
  • $50,000 uninsured motorist coverage per accident
  • $15,000 personal injury protection

Who Should Get Non-Owner Car Insurance in Oregon?

MoneyGeek found that the following types of drivers may benefit the most from non-owner car insurance:

  • Drivers who need to get their license reinstated. Committing a serious driving violation, such as a DUI, may lead to your license getting revoked. To have your driver’s license reinstated, you need to show proof of insurance. Non-owner car insurance in Oregon is an ideal option since it is cheaper than a traditional car insurance policy.
  • Drivers who frequently rent cars or use car-sharing services. Since Oregon is a fault state, you’ll be liable for damages if you are caught in a traffic-related accident while driving a rental car. Non-owner car insurance provides the necessary protection, and it’s cheaper than a traditional car insurance policy or rental car insurance that needs to be purchased repeatedly for frequent car rentals.
  • Drivers who don’t want their coverage to lapse but don’t have a car. If you want to avoid a coverage lapse but don’t currently own a vehicle, non-owner car insurance is your cheapest option in Oregon. It can also save you money in the future since coverage lapses may mean higher insurance rates later on.

Who Shouldn’t Get Non-Owner Car Insurance in Oregon?

There are certain situations when non-owner car insurance in Oregon isn’t required.

Borrowing someone’s car does not automatically necessitate non-owner car insurance in Oregon. For example, if you live in Portland and borrow your friend’s car, their car insurance policy covers you as long as you have their permission to drive their vehicle.

Additionally, if you only rent a car occasionally, it’s better to purchase insurance from your car rental company instead. This coverage is sufficient and will save you money.

How to Get Non-Owner Car Insurance in Oregon

MoneyGeek confirmed that all car insurance companies included in this guide offer non-owner car insurance. However, policy estimates for this type of coverage generally aren’t available online. Since policy estimates vary between insurers, your best option is to reach out to these insurers directly. You can ask for a quote using the phone numbers listed below.

Contact Non-Owner Car Insurance Companies in Oregon
  • Company
    Contact Number
  • USAA
    800-531-8722
  • GEICO
    800-207-7847
  • Travelers
    866-248-9970
  • State Farm
    800-782-8332
  • Progressive
    888-671-4405
  • Farmers
    888-327-6335
  • MetLife
    800-422-4272
  • Nationwide
    877-669-6877

Frequently Asked Questions About Oregon Non-Owner Car Insurance

Many drivers think that non-owner car insurance is the same as a traditional car insurance policy, but it’s not. Here are the most commonly asked questions about non-owner car insurance to help you better understand how it works.

Methodology

MoneyGeek collaborated with Quadrant Information Services when gathering non-owner car insurance quotes from insurers across Oregon. These policies are for a 40-year-old driver with either a clean driving record or a DUI. All policies listed here met Oregon’s minimum car insurance coverage requirements, except for liability insurance policies, which had the following limits:

  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $50,000 in property damage liability per accident

The data used for traditional auto insurance policies had the same limits as above.