How Oregon Drivers Can Save on Auto Insurance

Whether you live in Eugene, Medford, or Portland or closer to Klamath Falls or the Wallowa Mountains, chances are you could get more from your car insurance coverage.

Oregon drivers can keep the same or better coverage while saving with pay-per-mile auto insurance.

How to save on auto insurance in Oregon

More than 124 million Americans could be overpaying for car insurance because they do not pay per mile, and this includes many Oregon drivers.

Pay-per-mile auto insurance, also known as “pay as you go” or “pay as you drive” auto insurance, is based on how far you drive. The result is more control for drivers over how much they pay for car insurance.

Drivers can save as much as $947 a year on auto insurance, according to a recent survey of new customers who saved with Metromile.

Miles driven per yearPer monthPer daySavings*
10,000833 miles192 miles$541
6,000500 miles115 miles$741
2,500208 miles48 miles$947
* Average annual car insurance savings by new customers surveyed who saved with Metromile in 2018.

It’s free to find out whether Metromile and pay-per-mile auto insurance is right for you.

Metromile’s Ride Along™ helps drivers get a more accurate rate and understand whether they could save with pay-per-mile car insurance before they buy.

Oregon drivers can download the Metromile app and drive with us for about two weeks. Metromile observes your actual driving, including how many miles you drive, to show you your rate. In Oregon, eligible drivers can save up to 40% on their initial quote with their safe driving — it’s another way drivers can save with Metromile.

Oregon drivers can earn additional discounts. 

Senior drivers can save on auto insurance because of their safer and mature driving practices. Many Metromile customers also insure multiple cars on the same policy or install safety equipment or features in their cars to earn an even lower rate. 

How are auto insurance rates determined in Oregon?

Insurance companies in Oregon consider many factors when setting rates. Some of the most common include coverage limits and deductibles, claims history, driving history, vehicle type, vehicle theft rates, and many others.

Don’t forget: Auto insurance rates can change over time. It is a good idea to shop around to find your best rate.

Metromile pay-per-mile auto insurance can be fairer because it helps drivers control costs. Metromile customers’ bills update in almost real time because they pay per mile.

Each month, Metromile charges a base rate and a per-mile rate, usually just a few cents for each mile driven. The low monthly base rate keeps your car covered, even when you might not be driving, almost like how a cell phone provider might charge you a small fee to keep your telephone number and line operating.

What auto insurance coverage do I need in Oregon?

Making sure you have the right amount of car insurance is important. This is why Metromile provides flexible coverage options, which can be customized for every driver’s needs.

Oregon state minimum requirements for car insurance are $25,000 per person and $50,000 per accident in bodily injury liability coverage, $20,000 in property damage liability coverage, $25,00 per person and $50,000 per accident in uninsured motorist bodily injury coverage, and $15,000 in personal injury protection. 

In Oregon, many drivers pick higher limits or add comprehensive and collision coverage.

The bottom line

There are many ways to save on car insurance, and many Oregon drivers choose Metromile.

Many drivers are low-mileage drivers, and we’re proud to support our community of drivers with familiar coverage and provide some value as a leading pay-per-mile auto insurance company in the U.S.

If you don’t drive often or find yourself driving less than you did before, you could save with Metromile. Find out how much you could save with a free quote or take a Ride Along™ to learn more.