Non-Owner Car Insurance in Oregon: What You Need to Know
Is non-owner car insurance right for you? Follow along as we cover how much it costs and what types of Oregon drivers could benefit!
Written by Drew Waterstreet
Reviewed by Brittni Brinn
The average cost of non-owner car insurance per year in Oregon is $525. As its name implies, this insurance policy gets you convenient and affordable access to liability and medical coverage even if you don’t own a vehicle.
Borrow your friend’s car a lot? Can’t afford a standard car insurance policy due to an SR-22? There are plenty of scenarios where non-owner car insurance is the best possible solution for Oregon drivers—and we’re about to cover them all!
What does non-owner car insurance cover?
First, let’s make something clear. If you borrow a vehicle from a friend (or family member) with their permission (referred to as permissive use), then their insurance will cover you. In Oregon, a standard car insurance policy follows the vehicle, not the driver.
However, getting into an accident with your friend’s car would go against your friend’s driving history and potentially raise their insurance rates. So if you plan on borrowing your friend’s car a lot, you should consider shouldering some responsibility by purchasing a non-owner car insurance policy. It will serve as secondary coverage to the auto insurance policy of the vehicle’s owner.
At the very least, a non-owner car insurance policy will offer enough coverage to satisfy
Oregon’s minimum car insurance laws
—which require the following:- $50,000 of bodily injury liability per accident
- $20,000 ofproperty damage liability
- $50,000 of uninsured/underinsured motorist per accident
- $15,000 ofpersonal injury protection (PIP)
For more significant protection, you can increase the coverage limits or consider adding more optional coverages, like
medical payments (MedPay)
to your non-owner car insurance policy. However,
collision
and comprehensive coverage
are unavailable since the non-owner policy only covers expenses related to your liability in an accident and your medical expenses, not the vehicle itself.RECOMMENDED
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Average cost of non-owner car insurance in Oregon
The average price of non-owner car insurance per year in Oregon is $525. This is significantly cheaper than the
average cost of basic liability car insurance in Oregon
, which will run your annual bill close to $2,000. However, your driving history, location, age, and other personal details will come into play. You can expect a higher or lower rate depending on these factors—some providers will offer you better rates as well, so it’s worth shopping around!
The best Oregon auto insurance companies for non-owner car insurance
Most auto insurance companies offer non-owner policies, but who has the best price? Well, that requires a look in the mirror. Your annual premium is highly dependent on your driving profile, which highlights things such as driving habits, accident history, demographics, and more.
However, some auto insurance companies are more well-known for offering below-average premiums. For some of the best options, check out the table below.
Cheapest Oregon non-owner car insurance companies
Company | Average annual premium | Average monthly premium | Average annual SR-22 premium | Average monthly SR-22 premium |
|---|---|---|---|---|
$229 | $19 | $363 | $30 | |
$349 | $29 | $717 | $60 | |
$388 | $32 | $549 | $46 | |
$467 | $39 | $467 | $39 |
Who needs a non-owner car insurance policy?
Here are the most common situations where a non-owner car insurance policy is an effective and affordable option:
- Borrowing: If you frequently drive a car owned by a friend or family member, you can give them some financial peace of mind by owning a non-owner car insurance policy.
- Renting: Purchasing a non-owner car insurance policy may be more cost-efficient than purchasingrental coveragedirectly from the dealer every time.
- SR-22 insurance: Oregon drivers typically have to have an SR-22 for three years after a severe driving violation. While holding an SR-22, a basic liability plan will likely be prohibitively expensive. A non-owner car insurance policy will be a cheaper way to maintain driving privileges while you restore your reputation for safety.
- Temporarily without a car: If you’ve recently sold your vehicle, a non-owner insurance policy can help you avoid alapse in coveragethat could raise your insurance rates down the road.
How to get non-owner car insurance in Oregon
As long as you have a driver’s license and proof you don’t have regular access to a vehicle, you can get non-owner car insurance in Oregon! Simply call your insurance agent for a quote. But before you buy, don’t forget to analyze their quote in an insurance comparison tool to ensure you’re getting the best rate!
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