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Coverage and service fit for Oregon

Oregon has almost 163,000 miles of roadways, offering plenty of room to roam. If you live in the Beaver State, USAA offers a combination of coverage and service to meet your needs. Whether you're cruising the coast, exploring the Oregon Outback or commuting to the University of Oregon, we can be there for you.

The average cost of car insurance in Oregon

There are many things involved in determining auto insurance rates. How many miles you drive a year and your driving record both play a part in how much you'll pay.

$143 See noteper month

The average monthly cost for all USAA auto policies issued in Oregon in 2023.1

Get up to 30% off your premium for being a safe driver.2

With USAA SafePilot®, the better you drive, the bigger the discount you may earn.

Oregon coverage requirements and minimums

As of Jan. 1, 2024, Oregon law requires drivers to have the following minimum bodily injury and property damage liability limits:

Oregon coverage requirements and minimums
Coverage Description Oregon Requirement
Bodily injury liability per person This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. Learn about liability coverage Minimum coverage requirement:
$25,000 limit per person
Bodily injury liability per accident This is the total amount of coverage for expenses related to the injuries or deaths of others involved in accidents where you're found at fault. Minimum coverage requirement:
$50,000 limit per accident
Property damage liability This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. Minimum coverage requirement:
$20,000 limit per accident
Collision This helps pay to repair or replace your vehicle if it's damaged in an accident related to driving, subject to a deductible. Learn about collision coverage May be required if you're making payments to a lender or leasing company.
Comprehensive This helps pay to repair or replace your vehicle if it's stolen, vandalized or damaged by animal collisions, fire, hail and other events, subject to a deductible. Learn about comprehensive coverage May be required if you're making payments to a lender or leasing company.
Uninsured and underinsured motorist bodily injury This helps cover your expenses for injuries if you're in an accident caused by a driver who doesn't have insurance or is underinsured. Learn about uninsured and underinsured coverage Lower limits may be selected in writing but may not be less than the minimum bodily injury limits required.
Uninsured and underinsured motorist property damage This helps pay for damage to your property, including vehicles, homes and other buildings because of an accident caused by an uninsured or underinsured motorist. Optional
Personal injury protection, or PIP Regardless of fault, this may help cover medical expenses, lost income, funeral expenses, disability benefits and essential services if you're injured in an accident. Minimum coverage requirement:
$15,000
Medical payments This helps cover medical expenses if you or your passengers are injured in an accident. Optional
Rental reimbursement3 This helps cover the cost of a rental car while your vehicle is in the shop for repairs after a covered loss. Optional
Customized vehicles Custom equipment up to $5,000 will be included in calculation of the actual cash value for the vehicle. This also helps cover the cost to repair or replace custom equipment up to $5,000. Optional
Bodily injury liability per person

Description

This helps cover expenses for injuries or deaths to other vehicles' drivers and their passengers in accidents in which you're found at fault.

Learn about liability coverage

Oregon Requirement

Minimum coverage requirement:

$25,000 limit per person
Bodily injury liability per accident

Description

This is the total amount of coverage for expenses related to injuries or deaths to other vehicles' drivers and their passengers in accidents in which you're found at fault.

Oregon Requirement

Minimum coverage requirement:

$50,000 limit per accident
Property damage liability

Description

This coverage helps pay for damages to other people's property, including vehicles, homes and other buildings in accidents in which you're found at fault.

Oregon Requirement

Minimum coverage requirement:

$20,000 limit per accident
Collision

Description

This helps pay to repair or replace your vehicle if it's damaged in an accident related to driving, subject to a deductible.

Learn about collision coverage

Oregon Requirement

May be required if you're making payments to a lender or leasing company.
Comprehensive

Description

This helps pay to repair or replace your vehicle if it's stolen, vandalized or damaged by animal collisions, fire, hail and other events, subject to a deductible.

Learn about comprehensive coverage

Oregon Requirement

May be required if you're making payments to a lender or leasing company.
Uninsured and underinsured motorist bodily injury

Description

This helps cover your expenses for injuries if you're in an accident caused by a driver who doesn't have insurance or is underinsured.

Learn about uninsured and underinsured coverage

Oregon Requirement

Lower limits may be selected in writing but may not be less than the minimum bodily injury limits required.
Uninsured and underinsured motorist property damage

Description

This helps pay for damage to your property, including vehicles, homes and other buildings because of an accident caused by an uninsured or underinsured motorist.

Oregon Requirement

Optional
Personal injury protection, or PIP

Description

Regardless of fault, this may help cover medical expenses, lost income, funeral expenses, disability benefits and essential services if you're injured in an accident.

Oregon Requirement

Minimum coverage requirement:

$15,000
Medical payments

Description

This helps cover medical expenses if you or your passengers are injured in an accident.

Oregon Requirement

Optional
Rental reimbursement3

Description

This helps cover the cost of a rental car while your vehicle is in the shop for repairs after a covered loss.

Oregon Requirement

Optional
Customized vehicles

Description

Custom equipment up to $5,000 will be included in calculation of the actual cash value for the vehicle. This also helps cover the cost to repair or replace custom equipment up to $5,000.

Oregon Requirement

Optional

Some drivers choose to have higher limits and carry additional coverages for more protection. If you're responsible for injuries and damage totaling more than your policy limits, you may have to pay out of pocket.

Did you know?

You can save up to 10% on your premium when you bundle your auto policy with homeowners or renters insurance.See note4

Learn about bundling

Reasons to choose USAA Auto Insurance in Oregon

  • Members Saved $725

    A countrywide survey showed that our members saved an average of $725 per year when they switched to USAA Auto Insurance. See Note 5

    See car insurance discounts

  • Exceptional Service and Claims

    We're available 24/7 online for policy updates and claims through usaa.com and our mobile app.

    Visit Claims Center

You may qualify for discounts and savings.

  • Good Student Discount

    Get a discount if your full-time student driver maintains good grades. See Note 6

  • Multi-Vehicle Discount

    Get a discount if you have two or more vehicles on your policy. See Note 6

  • Annual Mileage and Storage Discount

    Get a discount if you don't drive much per year, See Note 6 and if you put your car in storage. See Note 7

  • Automatic Payments Discount

    Save up to 3% on your auto premium when you set up automatic payments. See Note 6

  • Early Quote Discount

    Save up to 3% on your auto premium when you buy a policy seven or more days before the start date. See Note 6

  • New Vehicle Discount

    Get a discount on your auto premium if your vehicle isn't more than 3 years old. See Note 6

View more car insurance discounts

Who can get USAA Auto Insurance?

When you join USAA, you become part of a family who stands by you during every stage of your life. Our family includes:

  • U.S. military members and veterans
  • Pre-commissioned officers
  • Spouses and children of USAA members
Learn about USAA membership

Coverage for whatever moves you

Still have questions about car insurance?

We can help. To speak with a representative, call 800-531-USAA (8722).([thats 800-531-]8722)