Finding the right and Cheap Car Insurance for Older Drivers in Oregon can be challenging. But no worries!
In this guide, we’ll cover the affordable car insurance plans available for seniors in Oregon in detail. You’ll learn what the most affordable full coverage and minimum coverage insurance options are for drivers ages 60 and 70, even in situations like bad credit scores, traffic tickets, or DUI. Also, Oregon’s insurance requirements and optional coverage options will be discussed.
Auto Insurance Requirements in Oregon
To drive in Oregon, all drivers must meet the state’s minimum auto insurance requirements. This ensures that you and the other driver are financially protected in the event of an accident. Here is a detailed description of Oregon’s auto insurance requirements:
- Liability Insurance: In Oregon, every driver is required to carry the following minimum liability coverage:
- Bodily Injury Liability:
- $25,000 per person (per accident)
- $50,000 per accident (total)
- Property Damage Liability:
- $20,000 per accident
- Personal Injury Protection (PIP): Oregon is a “no-fault” state, which means your insurance company will cover your medical costs and related expenses no matter who is at fault for the accident.
- Minimum coverage: $15,000 per person
- Uninsured/Underinsured Motorist Coverage: This coverage helps in cases when the driver responsible for the accident does not have adequate insurance.
- Bodily Injury Coverage:
- $25,000 per person
- $50,000 per accident
Cheap Car Insurance for 60-Year-Old Drivers in Oregon
Finding the right car insurance for drivers over 60 can be challenging, but there are several affordable options available in Oregon. Providers like GEICO, State Farm, and USAA offer low rates for full coverage.
Progressive and Allstate are cheaper options for minimum coverage. Nationwide and Liberty Mutual offer affordable plans if you have a bad credit score. Even after speeding tickets, accidents, or DUIs, companies like Progressive and The General offer competitive premiums.
Compare different plans, take advantage of discounts, and consider defensive driving courses to lower insurance rates. By choosing the right plan, you can save money and ensure protection.
Cheapest Full Coverage Car Insurance for 60-Year-Old Drivers in Oregon
Full coverage car insurance provides protection and peace of mind for drivers over 60 in Oregon. This insurance covers the expenses related to your vehicle and the accident. Here is a breakdown of the major insurance companies that offer the cheapest full coverage in Oregon, in the table below:
| Company | Median Annual Rate | Median Monthly Rate |
|---|---|---|
| California Casualty | $1,253 | $104 |
| QBE | $1,272 | $106 |
| CIG | $1,318 | $110 |
| Kemper | $1,326 | $111 |
| Oregon Mutual | $1,492 | $124 |
Cheapest Minimum Coverage Car Insurance for 60-Year-Old Drivers in Oregon
For drivers over 60 in Oregon, minimum coverage car insurance offers a cheap and legally mandated option. This insurance only covers third party damages related to the accident. The table below lists the cheapest minimum coverage insurance companies:
| Company | Median Annual Rate | Median Monthly Rate |
|---|---|---|
| California Casualty | $357 | $30 |
| CIG | $586 | $49 |
| Progressive | $597 | $50 |
| Geico | $613 | $51 |
| State Farm | $615 | $51 |
Cheapest Car Insurance with Poor Credit for 60-Year-Old Drivers in Oregon
Getting car insurance can be challenging if you have a bad credit score, but some insurance companies in Oregon offer affordable options. These insurance plans are ideal for drivers who have a low credit score. The table below details the rates of such companies:
| Company | Median Annual Rate | Median Monthly Rate |
|---|---|---|
| California Casualty | $766 | $64 |
| CIG | $882 | $74 |
| Kemper | $923 | $77 |
| Geico | $923 | $77 |
| Oregon Mutual | $986 | $82 |
Cheapest Car Insurance After One Speeding Ticket for 60-Year-Old Drivers in Oregon
After a speeding ticket, insurance rates can increase, but some insurance companies in Oregon offer cheap and reliable options. The table below details the rates of such companies:
| Company | Median Annual Rate | Median Monthly Rate |
|---|---|---|
| California Casualty | $529 | $44 |
| CIG | $622 | $52 |
| State Farm | $692 | $58 |
| Progressive | $776 | $65 |
| Geico | $785 | $65 |
Cheapest Car Insurance After an At-Fault Crash for 60-Year-Old Drivers in Oregon
If you are responsible for an accident, insurance rates may increase. However, some companies in Oregon offer affordable options for such drivers. The table below details the rates of such companies:
| Company | Median Annual Rate | Median Monthly Rate |
|---|---|---|
| CIG | $654 | $55 |
| California Casualty | $666 | $56 |
| State Farm | $798 | $67 |
| Progressive | $877 | $73 |
| Oregon Mutual | $940 | $78 |
Cheapest Car Insurance After a DUI for 60-Year-Old Drivers in Oregon
Insurance rates can increase significantly after a DUI (Driving Under the Influence). However, some companies in Oregon offer affordable options for such drivers. The details of affordable insurance plans are given in the table below:
| Company | Median Annual Rate | Median Monthly Rate |
|---|---|---|
| Progressive | $713 | $59 |
| CIG | $722 | $60 |
| California Casualty | $761 | $63 |
| State Farm | $897 | $75 |
| Travelers | $1,146 | $96 |
Cheap Car Insurance for 70-Year-Old Drivers in Oregon
The cost of car insurance for drivers over 70 in Oregon can add up, but it can be made affordable by choosing the right plan. Providers like Progressive and Geico offer cheaper options for full coverage.
California Casualty and CIG offer affordable rates for minimum coverage. Nationwide and Liberty Mutual may be better choices if you have a bad credit score. Even after a speeding ticket, accident, or DUI, companies like State Farm and The General offer insurance at affordable rates. Compare plans as per your need and avail discounts.
Cheapest Full Coverage Car Insurance for 70-Year-Old Drivers in Oregon
Full coverage insurance for drivers over 70 provides comprehensive protection in Oregon. It includes Liability, Collision, and Comprehensive coverage, which ensures your financial protection from accidents and other risks. The table below lists the cheapest companies that provide full coverage:
| Company | Median Annual Rate | Median Monthly Rate |
|---|---|---|
| California Casualty | $1,353 | $113 |
| CIG | $1,370 | $114 |
| QBE | $1,382 | $115 |
| Kemper | $1,402 | $117 |
| Progressive | $1,601 | $133 |
Cheapest Minimum Coverage Car Insurance for 70-Year-Old Drivers in Oregon
Minimum coverage insurance is an affordable and legally mandated option for drivers over 70 in Oregon. This insurance covers only third party damage after an accident. The table below gives information about affordable minimum coverage insurance plans:
| Company | Median Annual Rate | Median Monthly Rate |
|---|---|---|
| California Casualty | $422 | $35 |
| CIG | $606 | $51 |
| State Farm | $663 | $55 |
| Progressive | $678 | $57 |
| QBE | $700 | $58 |
Cheapest Car Insurance with Poor Credit for 70-Year-Old Drivers in Oregon
Insurance rates may be higher for drivers with poor credit scores, but some companies in Oregon offer affordable options. These plans are suitable for drivers who want insurance on a budget despite a poor credit score. Information about such companies is given in the table below:
| Company | Median Annual Rate | Median Monthly Rate |
|---|---|---|
| California Casualty | $896 | $75 |
| CIG | $908 | $76 |
| Kemper | $1,071 | $89 |
| QBE | $1,102 | $92 |
| Geico | $1,103 | $92 |
Cheapest Car Insurance After One Speeding Ticket for 70-Year-Old Drivers in Oregon
Receiving a speeding ticket not only affects your driving record, but can also increase your car insurance premiums. For drivers over 70, this challenge becomes even greater. However, some insurance companies in Oregon offer affordable and reliable options. The table below gives information about the cheapest insurance companies:
| Company | Median Annual Rate | Median Monthly Rate |
|---|---|---|
| CIG | $644 | $54 |
| California Casualty | $689 | $57 |
| State Farm | $745 | $62 |
| Progressive | $918 | $77 |
| Geico | $947 | $79 |
Cheapest Car Insurance After an At-Fault Crash for 70-Year-Old Drivers in Oregon
If you are responsible for an accident, insurance rates may increase. However, many insurance companies in Oregon offer affordable and reliable coverage to drivers over 70. The table below details the rates of such companies:
| Company | Median Annual Rate | Median Monthly Rate |
|---|---|---|
| CIG | $679 | $57 |
| State Farm | $856 | $71 |
| California Casualty | $869 | $72 |
| Progressive | $1,046 | $87 |
| Travelers | $1,215 | $101 |
Cheapest Car Insurance After a DUI for 70-Year-Old Drivers in Oregon
Insurance rates can increase significantly after a DUI (Driving Under the Influence). However, some insurance companies in Oregon offer affordable plans for drivers over 70. Information about such schemes is given in the table below:
| Company | Median Annual Rate | Median Monthly Rate |
|---|---|---|
| CIG | $755 | $63 |
| Progressive | $885 | $74 |
| State Farm | $963 | $80 |
| California Casualty | $995 | $83 |
| Travelers | $1,340 | $112 |
Optional Car Insurance Coverage in Oregon
In Oregon, minimum car insurance coverage is mandated by the state, but it does not always provide adequate protection. Optional insurance coverage gives drivers additional protection and peace of mind, especially for drivers in their 60s and 70s. Let’s explore the alternative coverage options available in Oregon:
- Collision Coverage: Collision coverage covers the cost of damage caused to your vehicle due to accidents. This insurance provides financial protection for repairs if your vehicle collides with another vehicle, object, or structure. This is especially useful for new and expensive vehicles.
- Comprehensive Coverage: Comprehensive coverage protects the vehicle against theft, natural calamities, fire, vandalism, and other non-accidental perils. This massively enhances the safety of your vehicle and reduces the financial impact of unexpected events.
- Medical Payments Coverage (MedPay): Medical Payments coverage covers the medical expenses of you and your passengers after an accident. This coverage provides financial solutions to hospital, doctor bills, and other health expenses, regardless of who is at fault.
- Roadside Assistance Coverage: Roadside Assistance coverage provides assistance in case your vehicle breaks down. This coverage ensures immediate help in situations like flat tyre, battery problem, fuel shortage, or vehicle lockout, ensuring that your journey is not disrupted.
- Rental Reimbursement Coverage: Rental reimbursement coverage covers the cost of repairing a rental car after an accident. This gives you an easy option for transportation during the repair period, without impacting your time and work.
- Uninsured/Underinsured Motorist Coverage: This coverage helps in cases when the driver responsible for the accident is uninsured or not adequately insured. It provides financial security by covering your medical and vehicle repair expenses.
Conclusion
inding affordable and effective car insurance plans for senior drivers in Oregon can be challenging, but with the right information and strategies it can be easy.
In this guide, we discuss the most affordable full coverage and minimum coverage options available for drivers in their 60s and 70s who have a bad credit score, insurance plans after a speeding ticket, accident, or DUI. Plus, highlights Oregon’s insurance requirements and optional coverages.
Choose the right plan for your needs and budget and compare insurance rates to save money.