State Farm provides Oregon's cheapest non-owner car insurance for drivers with a clean record at $36 monthly — below the state average of $50. Check out the table below for more affordable options.
Cheapest Non-Owner Car Insurance in Oregon
Updated: January 31, 2025
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Best Cheap Non-Owner Car Insurance in Oregon: Key Takeaways
State Farm is Oregon's cheapest non-owner SR-22 car insurance, with an average monthly cost of $44.
Non-owner insurance covers you when driving a vehicle you don't own, as long as you meet Oregon's minimum coverage requirements.
Non-owner insurance is ideal for drivers who borrow or rent cars often or need to reinstate their license but can't afford a traditional policy.
Cheapest Non-Owner Car Insurance in Oregon
| State Farm | $433 | $36 |
| GEICO | $502 | $42 |
| Travelers | $534 | $45 |
| Kemper | $549 | $46 |
| Progressive | $605 | $50 |
| Farmers | $806 | $67 |
| Nationwide | $947 | $79 |
Cheapest Non-Owner SR-22 Car Insurance in Oregon
State Farm offers Oregon's cheapest SR-22 non-owner policy at just $44 monthly, much less than the state average of $72 for minimum coverage. The table below compares other SR-22 providers.
| State Farm | $526 | $44 |
| Travelers | $735 | $61 |
| Kemper | $768 | $64 |
| GEICO | $818 | $68 |
| Progressive | $1,043 | $87 |
| Nationwide | $1,048 | $87 |
| Farmers | $1,145 | $95 |
How Much Is Non-Owner Car Insurance in Oregon?
Oregon's average monthly non-owner car insurance cost is $50, above the national average of $43. SR-22 coverage averages $72, compared to $48 nationally. Your rate may vary based on your driving history.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43
Oregon Average Cost
Monthly Premium
$50On average, non-owner car insurance in Oregon is:$7 more
This is 16% more expensive.
Oregon Non-Owner Car Insurance: Buyer's Guide
Our guide helps drivers decide if non-owner insurance is the right choice by explaining its basics, costs and who benefits most.
What Is Non-Owner Car Insurance?
Non-owner insurance is a smart choice for those who drive but don't own a car. It covers costs if you're at fault in an accident. Below, see how this plan stacks up against standard policies.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔️ | ✔️ | |
Medical payments | ✔️ | ✔️ |
Personal injury protection | ✔️ | ✔️ |
Uninsured/underinsured motorist | ✔️ | ✔️ |
✔️ | ✔️ | |
Collision | ✔️ | |
Comprehensive | ✔️ |
Does Oregon Allow Non-Owner Car Insurance?
Oregon allows non-owner insurance for drivers without vehicles who must meet state minimum coverage. If you need to file an SR-22, a non-owner plan is an affordable way to stay legally insured.
OREGON MINIMUM INSURANCE REQUIREMENTS
Oregon's minimum coverage requirements apply to non-owner car insurance as well. The limits are:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $20,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $15,000 personal injury protection (PIP) per person
These minimums may not fully protect you in every situation. Consider how much coverage you need beyond the state minimum to ensure you're adequately covered.
Should You Get Non-Owner Car Insurance in Oregon?
Non-owner insurance is ideal for those who frequently rent or borrow cars but don’t own one. It’s an affordable way to meet state minimum coverage and covers costs if you cause an accident.
AVOID ONE-DAY CAR INSURANCE
Exercise caution with "one-day insurance" offers in Oregon, as they're often fraudulent. Insurance from a car rental company is safer for temporary coverage during a move or road trip.
Who Should Consider Non-Owner Car Insurance?
The following types of drivers should consider a non-owner car insurance policy:
Car borrowers
Those who don’t own a vehicle still need coverage when driving someone else’s car. Non-owner insurance provides financial protection without the expense of owning a policy tied to a car.
Occasional renters
Non-owner insurance is more cost-effective than purchasing rental company insurance each time you rent a vehicle.
Drivers between cars
Drivers between cars can maintain continuous coverage with non-owner insurance, helping avoid higher premiums from a coverage lapse.
License reinstatement-seekers
Drivers reinstating a suspended license may need to prove financial responsibility, which non-owner insurance can fulfill.
WHAT IS SR-22 INSURANCE?
An SR-22 or Certificate of Financial Responsibility is a form your insurance company sends to the DMV to show you have the required minimum coverage. If you've had a serious offense, like a DUI or driving without insurance, you might need an SR-22 to drive legally.
Cheap Non-Owner Car Insurance in Oregon: Bottom Line
Oregon provides non-owner car insurance, including for drivers needing SR-22 forms. State Farm is the most affordable option, followed by GEICO and Travelers. To find the best deal, compare quotes from multiple providers.
Non-Owner Car Insurance in Oregon: FAQ
Get answers to frequently asked questions about non-owner car insurance in Oregon below.
Which company offers the cheapest non-owner car insurance in Oregon?
State Farm offers the cheapest non-owner car insurance in Oregon at $36 monthly and SR-22 at $44.
How much does non-owners car insurance cost in Oregon?
Non-owner car insurance in Oregon costs about $597 annually or $50 monthly. An SR-22 certificate raises the average annual cost to $869 or around $72 monthly.
Oregon Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek compiled Oregon auto insurance rates by collecting data from the Oregon Division of Financial Regulation and Quadrant Information Services. We examined 240 car insurance quotes from five providers to identify the state's best and most affordable options.
Coverage Levels
We compared non-owner car insurance rates from companies in Oregon using minimum coverage policies. The state-required minimum coverage includes:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $20,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $15,000 personal injury protection (PIP) per person
Drivers and Cars in Oregon
To find the best and most affordable companies for non-owner car insurance in Oregon, we used a sample driver profile with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- Good credit history
- 12,000 miles driven annually
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.