Metromile>Pay per mile car insurance>Oregon

Save up to 47% pay-per-mile car insurance in Oregon

  • Car insurance based on how much you drive
  • The less you drive, the more you could save
  • Same great coverage—for less money

Pay-per-mile car insurance in Oregon

If you’re new to the Beaver State or have been driving in the Pacific Northwest for decades, you know the rules: Whether you’re taking a holiday road trip to Crater Lake or Mount Hood or commuting to your job in Bend or Portland, you’ll need a state-approved car insurance policy to drive legally in Oregon.

But if you’re an Oregon driver, we’ve got some good news for you. You might be able to save a lot on car insurance if you switch to pay-per-mile auto coverage through Metromile—especially if you’re an Oregon driver who drives fewer than 10,000 miles per year.

Here’s how Metromile’s pay-per-mile coverage works (and how it could lower your car insurance bill!):
First, when you purchase a Metromile policy, you’ll pay a low base premium, which can cost as little as $29 per month.

After that, you’ll simply pay per mile for the miles you actually drive—at a rate as low as 6 cents per mile. When you don’t drive as much in a month, you won’t pay as much that month for your insurance. It’s a straightforward, fair system that could slash your monthly car insurance premium.

That’s why Metromile is a great choice for low-mileage Oregon drivers who work from home, use public transport, or who are already retired. (In fact, Metromile customers can save up to $947/year*!)

Coverage type and Oregon minimum requirements

Coverage

Bodily Injury Liability covers the other party’s injuries after you cause an accident.
Property Damage Liability covers other people’s property damage bill after you cause an accident.
UMBI helps pay for injuries caused by a driver who is uninsured.
Underinsured Motorist pays for injuries in your vehicle when the at-fault driver doesn’t have enough coverage.
Personal Injury Protection helps pay expenses for you and your passengers after an accident.
Collision covers your vehicle after an accident—regardless of fault.
Comprehensive coverage repairs or replaces your vehicle for loss not caused by collision.
Rental coverage can pay for your rental car expense after a covered loss.
Roadside assistance pays to send help if you have a vehicle breakdown.

Oregon minimum requirements

$25,000 limit per person/$50,000 limit per accident
$20,000 limit
$25,000 limit per person/$50,000 limit per accident
Bundled with Uninsured Motorists
$15,000 limit
No legal requirement, though it may be required by your lender
No legal requirement, though it may be required by your lender
No requirement
No requirement

What Oregon customers say

“Metromile has worked out wonderfully for me now that I’m retired and drive a fraction of my former mileage. I’ve saved several hundred dollars a year.”

–Nancy H.
Wilsonville, Oregon

“Our insurance fell from $133 to $75 a month. If you take a long trip, they cap the mileage at 250 so you don’t get burned for occasional trips out of town.”

–Wayne W.
Jacksonville, Oregon

“Very easy to use with the website and app, much better rates than competitors, and encourages me to bike more to save money on my monthly bill.”

–Scott R.
Portland, Oregon

“When one of our cars got rear-ended, Metromile was right there helping us with the other driver’s insurer.”

–Timothy P.
Portland, Oregon

“I’ve saved several hundred dollars a year over what my previous insurance company had been charging.”

–Nancy H.
Wilsonville, Oregon

“Metromile works perfectly for me. I am retired, so it’s easy to take mass transit. I appreciate the lower monthly premium.“

–Leah P.
Portland, Oregon

How much is pay-per-mile car insurance in Oregon

Your car insurance in Oregon depends on lots of complex factors. In fact, what you pay will change depending on your driving history, your vehicle, and the coverages you choose. Mileage is a major factor, though, and that’s why Metromile’s pay-per-mile car insurance can be an especially affordable option for low-mileage Oregon drivers.

With Metromile, the less you drive, the lower your monthly insurance payment will be. You’ll start with a monthly base rate (which could be as low as $29/month) and then pay a flat per-mile rate (which could be as little as 6 cents/mile) for the miles you actually drive. It’s a simple and fair system designed to keep low-mileage drivers from overpaying for their car insurance.

That results in a lot of happy Metromile customers. (In fact, our customers can save up to $947/year* when they switch to pay-per-mile coverage.)

Get a 2-min Quote

Why get car insurance from Metromile?

Here’s why drivers love Metromile

• You could save up to 47%* with pay-per-mile insurance coverage

• Clear communication and an easy-to-use app

• Get a quote in 2 minutes!

Car Insurance Oregon FAQ

For more information, please visit the Help Center.

See all of our FAQs

How to self-insure your car in Oregon?

In Oregon, self-insurance isn’t a good option for the majority of drivers and availability is limited (it’s mostly for folks with more than 25 registered vehicles). If you’re interested, contact the Oregon DMV (and know that you’ll need to meet certain strict requirements).

Do you need car insurance in Oregon?

Yes, you absolutely do. Car insurance is required for every Oregon driver.

What are the state minimum requirements in Oregon?

Car insurance is important: it can help protect your vehicle, your finances, and your wellbeing. 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
  • $25,000 per person and $50,000 per accident in uninsured motorist bodily injury coverage
  • $15,000 in personal injury protection

You may also want to consider higher limits or adding comprehensive, collision, and other coverage for extra peace of mind. With Metromile, you can personalize your policy for your lifestyle and needs.

What coverage options do you offer?

Even though you can pay less with pay-per-mile insurance, you’ll still have the same great coverage that you’re used to. We offer four different levels of liability protection as well as choices for your comprehensive and collision deductibles. Please keep in mind that financing and leasing companies may have their own coverage requirements, so please verify before choosing your coverage limits.

Can I still get the same coverage options?

Yes! You’ll still have the same amazing coverage that you are used to, with various deductibles and optional comp & collision coverage.

Do you offer full coverage?

We offer four different levels of liability protection as well as choices for your comprehensive and collision deductibles. Please keep in mind that financing and leasing companies may have their own coverage requirements, so please verify before choosing your coverage limits.