Non-owner car insurance in Oregon: Best and cheapest companies

Which companies offer the cheapest non-owner car insurance in Oregon?

State Farm has the cheapest non-owner car insurance in Oregon, with average annual rates of $365. GEICO is the second-cheapest option at $521 per year. Your final rate may change based on your age, driving history, ZIP code and coverage limits.

The table below lists the most budget-friendly non-owner car insurance companies in Oregon.

Company	Average annual premium	Average monthly premium
State Farm	$365	$30
GEICO	$521	$43
Country Financial	$548	$46
Travelers	$583	$49
Progressive	$696	$58
Farmers	$871	$73
Nationwide	$1,166	$97

Read our methodology

Best non-owner car insurance in Oregon

Country Financial is the best non-owner car insurance company in Oregon based on cost, customer complaints and financial strength ratings. State Farm and GEICO are also strong choices for drivers looking for affordable liability coverage.

To identify the best non-owner car insurance companies in Oregon, we considered several key factors, such as the number of customer complaints, financial strength, and average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. rates. Our analysis used rate data from Quadrant Information Services, along with third-party ratings from J.D. Power, AM Best, and the National Association of Insurance Commissioners (NAIC).

The table below provides a comparison of the top non-owner car insurance companies in Oregon.

Company	Average annual premium	J.D. Power	NAIC	A.M Best	Overall score
Country Financial	$548	659	0.34	A+	4.69
State Farm	$365	648	0.87	A+	4.52
GEICO	$521	631	0.60	A++	4.39
Progressive	$696	607	0.60	A+	3.86
Travelers	$583	581	0.63	A++	3.82
Nationwide	$1,166	625	0.64	A	3.34
Farmers	$871	620	1.24	A	3.33

Read our methodology

Insurance.com's top choices for non-owner car insurance

Take a closer look at our top picks for non-owner car insurance in Oregon.

Country Financial

Country Financial is our top choice for non-owner car insurance in Oregon. Its average annual non-owner car insurance cost is $548. Country Financial has an AM Best score of A+ and a low NAIC complaint ratio of 0.34.

State Farm

State Farm is another great option for non-owner car insurance in Oregon, with average rates of $365 per year. It has an AM Best rating of A+ and a low NAIC complaint ratio of 0.87.

GEICO

Our third pick is GEICO. GEICO rates average $521. Its NAIC complaint ratio is 0.60, and it has a rating of A++.

PEOPLE ASK:

Do I need Oregon non-owner car insurance to drive a friend's car?

Probably not, unless you use the car a lot. If you only drive your friend's car occasionally, their insurance usually covers it under something called permissive use-as long as it's less than 12 times a year. Still, it's a good idea to check with your friend's insurance company just to be sure.

Average cost of non-owner car insurance in Oregon

The average cost of non-owner car insurance in Oregon is $644 per year. Rates depend on several factors, including your driving record, age, ZIP code, and coverage limits. Drivers with clean records and continuous insurance coverage generally pay lower premiums than drivers with accidents, violations or insurance lapses.

The average cost of non-owner car insurance will vary based on:

Your driving record
The coverage levels on your policy
Your ZIP code

Non-owner car insurance in Oregon by age and gender

Teen drivers and younger motorists usually pay the highest premiums because insurers consider them higher risk. Rates generally decrease after age 25, remain lowest for drivers in their 50s and may increase slightly after age 65.

How it works:

Teen drivers pay the highest rates due to lack of experience and a statistically higher risk of a crash
Rates start to level out around the age of 25 and continue to drop
Drivers in their 50s pay the lowest average rates
After 65, rates increase, but not dramatically

Even in a state that bans the use of age and gender for car insurance rates, like Oregon, your years of driving experience will still impact what you pay.

Below are the average non-owner car insurance rates in Oregon by age and gender.

Age group	Male	Female
Teens (16-19)	$1,494	$1,515
Young Adults (20-24)	$753	$786
Adults (25-60)	$579	$661
Seniors (65-75)	$671	$668

Read our methodology

Do you need non-owner car insurance in Oregon?

Drivers in Oregon may need non-owner car insurance if they frequently borrow or rent vehicles, need an SR-22 filing or want to maintain continuous coverage between cars. Drivers who own a vehicle, rarely drive or already have coverage through another policy generally do not need a non-owner policy.

You may need non-owner car insurance if:

You frequently drive cars owned by others and want an extra layer of protection
You frequently rent cars
You need insurance to file an SR-22 in order to reinstate your license
You want to prevent a lapse in coverage while in between cars

You don't need a non-owner policy if:

You own and insure your own vehicle
You only drive cars owned by others occasionally
You drive a company car for which insurance is provided by your employer

Non-owner vs. traditional car insurance

Non-owner car insurance is typically cheaper than standard car insurance since coverage is minimal. Non-owner car insurance only includes liability coverage, while owner car insurance can include a lot more coverage.

For example, non-owner car insurance in Oregon doesn't pay for damages to the car you're driving or any injuries you sustain. Owner car insurance can include collision and comprehensive coverage to pay for vehicle damages.

Furthermore, because insurance companies anticipate that people who don't own a car will drive less frequently, and because non-owner car insurance is secondary to the owner's policy, the risk of a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. is much lower.

The table below compares average annual rates for non-owner and owner car insurance.

Non-owners state minimum liability only	$644
Traditional state minimum policy	$834
State minimum car insurance limits	25/50/20

Read our methodology

What does Oregon non-owner car insurance cover?

Non-owner car insurance in Oregon generally provides the minimum required liability coverage, including bodily injury and property damage liability. In no-fault states, policies will also include required personal injury protectionPersonal injury protection (PIP) pays for your medical, hospital and funeral expenses resulting from a car accident, regardless of who's at fault. (PIP) coverage. However, non-owner insurance does not cover damage to the vehicle you are driving.

Non-owner car insurance is considered secondary coverage, meaning it only kicks in after the car owner's policy limits are exceeded.

The bottom line: Non-owner car insurance in Oregon

Drivers in Oregon who frequently rent or borrow vehicles may benefit from non-owner car insurance. This policy provides liability protection if you cause injuries or property damage to others. However, it does not cover your injuries or damage to the car you are driving.

Non-owner car insurance in Oregon costs an average of $644 per year. State Farm offers the cheapest average premium at $365. Based on our analysis of rates, complaint data and financial strength, Country Financial is the best overall insurer for non-owner coverage in Oregon.

Be sure to compare your options to find the best non-owner car insurance in Oregon. You can use the tool above to quickly and easily compare non-owner insurance providers in your area.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on:

A 40-year-old driver
A clean record
Good credit
State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage

Best company rankings use the rate data outline above, as well as:

Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.

FAQ: Non-owner car insurance in Oregon

Do I need non-owner insurance to drive a friend's car in Oregon?

No. If you have permission to drive the vehicle, the owner's insurance policy usually covers you under the permissive use provision. However, non-owner insurance can provide extra liability protection if accident costs exceed the owner's policy limits or if you regularly borrow vehicles.

Can I use non-owner insurance for Uber or delivery driving in Oregon?

No. Non-owner car insurance does not cover commercial driving activities such as Uber, Lyft or food delivery services. Drivers using vehicles for rideshare or delivery work need commercial or rideshare insurance coverage that specifically includes business-related driving risks.

Does non-owner insurance cover rental cars?

Yes. A non-owner policy will provide you with liability coverage in a rental car. However, it doesn't cover damage to the vehicle itself, only injuries and damage to others.