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Non-owner auto insurance in Oregon costs $441 per year, which is $116 more than the rest of the country on average, according to a rate analysis by Insure.com.
In Oregon, non-owner policies are available from companies such as Oregon Mutual Insurance, State Farm and Country Financial.
Non-owner car insurance is a policy for people who don’t own a car but often borrow or rent a vehicle. It provides liability coverage for bodily injury and property damage in case you get in an accident while driving a car owned by someone else.
“Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage.
Learn more about the various requirements, what non-owner insurance is, which companies offer it and how much it costs in Oregon.
Key Takeaways
- The average non-owner car insurance cost in Oregon is $37 per month for a 40-year-old male with a good driving record.
- Car insurance rates vary by age. For instance, a 16-year-old male in Oregon pays an average of $864 for non-owner car insurance, whereas a 25-year-old male pays $474 a year for the same coverage.
- Oregon Mutual Insurance offers most affordable rates for non-owner car insurance in Oregon at $27.
How much does non-owner auto insurance cost in Oregon?
Insurers consider non-owner policyholders as less risky due to their limited access to a vehicle, and therefore, it’s usually less expensive to buy a non-owner insurance policy than full coverage auto insurance.
On average in the U.S., it costs a driver with a clean driving record and good credit score $1,895 a year for a 100/300/100 full coverage insurance policy-$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for property damage. In Oregon, full coverage car insurance costs $1,678.
Alternatively, non-owner car insurance is $325 a year on average in the United States and $441 in Oregon.
But various factors affect individual rates, such as where in state you live, your age and driving history and other factors.
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Which insurer offers the cheapest non-owner insurance rates in Oregon?
Oregon Mutual Insurance offers Oregon’s least expensive non-owner insurance policy at $27 a year.
At $805 a year, the Nationwide charges the highest rate for non-owner insurance in the state.
Experts recommend comparing quotes from many different insurance companies so that you can find the best rate available. The cheapest non-owner insurance policies in the state are listed below.
Cheapest non-owner insurance rates in Oregon
| Company | Average annual premium |
|---|---|
| Oregon Mutual Insurance | $27 |
| State Farm | $286 |
| Country Financial | $318 |
| Travelers | $389 |
| Progressive | $643 |
| Geico | $683 |
| Farmers | $746 |
| Nationwide | $805 |
| USAA | $211 |
Note that USAA only offers coverage to military members, veterans and their families.
How much is non-owner car insurance in Oregon by age?
Age is an important factor when it comes to pricing. Statistically, young drivers are a higher risk because they haven’t been driving for long and are more likely to cause an accident than older, more experienced drivers. In Oregon, a 45-year-old will pay an average of $439 annually for a non-owner insurance policy compared to a 16-year-old driver who will pay an average of $864.
Average non-owner car insurance rates in Oregon by age
| Age | Rates for male drivers | Rates for female drivers |
|---|---|---|
| 16 | $898 | $829 |
| 17 | $767 | $751 |
| 18 | $703 | $716 |
| 19 | $772 | $757 |
| 20 | $684 | $669 |
| 21 | $582 | $591 |
| 22 | $545 | $557 |
| 23 | $514 | $532 |
| 24 | $493 | $517 |
| 25 | $464 | $485 |
| 30 | $434 | $466 |
| 35 | $429 | $462 |
| 40 | $426 | $456 |
| 45 | $424 | $454 |
| 50 | $414 | $441 |
| 55 | $410 | $433 |
| 60 | $414 | $434 |
| 65 | $422 | $440 |
| 70 | $444 | $456 |
| 75 | $487 | $484 |
See how non-owner car insurance prices vary in major U.S. cities
Which Oregon cities have the cheapest non-owner car insurance?
Rates differ from city to city. Insurers consider the number of thefts, collisions and vandalism in an area when calculating rates.
Below are the cheapest and most expensive cities for non-owner car insurance in Oregon.
The 20 Oregon cities with the lowest non-owner auto insurance rates
| City | Non-owner car insurance rates |
|---|---|
| Halfway | $366 |
| Baker City | $367 |
| Richland | $369 |
| Enterprise | $369 |
| Joseph | $370 |
| Union | $372 |
| Oxbow | $375 |
| La Grande | $376 |
| Cove | $377 |
| Prairie City | $378 |
| John Day | $378 |
| Burns | $379 |
| Hines | $380 |
| Lostine | $380 |
| Wallowa | $380 |
| Granite | $381 |
| Mount Vernon | $381 |
| Canyon City | $381 |
| Elgin | $382 |
| Pendleton | $383 |
The 20 Oregon cities with the highest non-owner car insurance rates
| City | Non-owner car insurance rates |
|---|---|
| St. Benedict | $553 |
| Mount Angel | $544 |
| North Plains | $536 |
| Mehama | $531 |
| Rickreall | $526 |
| Silverton | $521 |
| Willamina | $521 |
| Independence | $520 |
| Damascus | $518 |
| Aumsville | $516 |
| Falls City | $515 |
| Scotts Mills | $514 |
| Banks | $513 |
| Oregon City | $508 |
| Sublimity | $506 |
| Jefferson | $505 |
| Dallas | $502 |
| Sheridan | $502 |
| Bridal Veil | $501 |
| Marylhurst | $500 |
How much is non-owner car insurance in Oregon’s 10 biggest cities?
The most populous cities in Oregon have varying non-owner insurance rates. The cost of non-owner insurance in Salem is the highest at $494; Bend has the cheapest rates of the largest cities in the state at $432.
Non-owner car rates in Oregon’s 10 largest cities
| 10 largest cities | Non-owner car insurance rates |
|---|---|
| Salem | $494 |
| Hillsboro | $485 |
| Beaverton | $484 |
| Gresham | $483 |
| Springfield | $477 |
| Portland | $459 |
| Eugene | $458 |
| Corvallis | $454 |
| Medford | $444 |
| Bend | $432 |
How non-owner insurance rates in Oregon compare to rates in other states
Non-owner car insurance rates also differ from state to state. The average non-owner insurance rate in Oregon is $441 a year, which is higher than the national average of $325.
Non-owner auto insurance rates in the 10 most populous states
| State | Average annual premium |
|---|---|
| California | $299 |
| Florida | $545 |
| Georgia | $312 |
| Illinois | $279 |
| Michigan | $513 |
| New York | $421 |
| North Carolina | $470 |
| Ohio | $214 |
| Pennsylvania | $263 |
| Texas | $447 |
| National Average | $325 |
What does non-owner auto insurance cover?
Non-owner auto insurance provides coverage when you are driving a vehicle you don’t own. “If someone with non-owner auto insurance is involved in an accident while driving a rental car or a friend’s car, the policy typically covers liability for damages and injuries to others,” says Golnoush Goharzad, a personal injury attorney in California.
An important caveat is these policies don’t cover damage to the car you are driving. “That would be covered under the car owner’s policy or possibly through optional insurance purchased from the rental agency,” Goharzad says.
Goharzad adds that non-owner auto insurance policies may provide extra coverage. “Non-owner policies may also provide supplementary liability over and above what the car owner’s policy covers, filling in gaps if the primary policy’s limits are exhausted.”
How to get non-owner auto insurance in Oregon
Your driver’s license number and a credit or debit card are all you need to get a non-owner insurance policy.
To purchase a policy, follow these steps:
- Contact an auto insurance agent about the coverage
- Supply your basic driving history
- Review the information you receive on the insurers and rates
- Choose the policy that best meets your needs
- Put down a payment to begin coverage
Often, you’ll receive proof of insurance very quickly. Here are a few car insurance companies with their contact numbers to call for a non-owner insurance quote.
- State Farm: 800-782-8332
- Geico: 800-207-7847
- Progressive: 888-671-4405
- Allstate: 800-726-6033
- USAA: 800-531-8722
Methodology
Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy.
What our expert says
Q: Does a non-owner policy cover damage to your car?
Frequently asked questions
Who needs non-owner car insurance in Oregon?
Non-owner car insurance is ideal for individuals who frequently rent cars or borrow others’ vehicles but do not own a car themselves. It’s also necessary for those who need to maintain continuous insurance coverage to avoid lapses.
Is non-owner car insurance available to everyone?
Non-owner car insurance is generally available if you do not own a vehicle, do not have regular access to a vehicle, and have a valid driver’s license. It is not available if you can be covered as a driver under another household member’s policy.
Can I get non-owner car insurance if I live with someone who owns a car?
If you live with someone who owns a car, you are generally expected to be listed on their car insurance policy. However, if you are not listed, non-owner car insurance could provide you with liability coverage when driving other vehicles.
What is the difference between non-owner and standard car insurance?
Non-owner car insurance only covers liability for bodily injury and property damage inflicted on others, not damages to the vehicle you are driving or injuries to yourself, which are typically covered under standard auto insurance policies.
How much is car insurance in other states
Explore other insurance options in Oregon
- How much does non-owner auto insurance cost in Oregon?
- Which insurer offers the cheapest non-owner insurance rates in Oregon?
- How much is non-owner car insurance in Oregon by age?
- Which Oregon cities have the cheapest non-owner car insurance?
- How much is non-owner car insurance in Oregon's 10 biggest cities?
- How non-owner insurance rates in Oregon compare to rates in other states
- What does non-owner auto insurance cover?
- How to get non-owner auto insurance in Oregon
- Methodology
- What our expert says
- Frequently asked questions