Cheapest and Best Motorcycle Insurance in Oregon 2024

Choosing the right motorcycle insurance in Oregon can be a challenge. Fortunately, you’re where you need to be to sort through the options. The best provider we’ve found combines comprehensive coverage with top-notch customer service.

After more than 15 years in the insurance industry, I’ve seen the problems that arise when people skimp on motorcycle insurance. It’s not just about legalities; it’s about protecting your valuable investment.

Our guide uses years of experience to help you dodge common issues and find the most reliable and budget-friendly options for your bike.

Cheapest Minimum Liability Motorcycle Insurance In Oregon

We discovered that USAA (using Progressive) has the lowest monthly rates for minimum coverage in Oregon, priced at $10.

The “cheapest minimum coverage for motorcycle insurance in Oregon” refers to the least expensive insurance policies that satisfy the state’s minimum legal requirements for riders. These policies generally include basic liability coverage, which covers bodily injury and property damage expenses that the rider might cause to others in an accident.

Insurance rates in this category are heavily influenced by factors such as driving history. Riders with a clean record usually benefit from lower premiums because they are seen as lower risk by insurers. Conversely, those with a history of accidents or traffic violations face higher rates, as insurers view them as more likely to be involved in future incidents.

An accident can notably raise your insurance rate, suggesting a higher risk of costly claims for the insurance company. This risk evaluation directly affects the price of minimum coverage insurance in Oregon.

Cheapest Full Coverage Motorcycle Insurance In Oregon

Our comprehensive research showed that Harley Davidson (Sentry) offers the best deal on full coverage motorcycle insurance in Oregon, with a monthly rate of $29.

“Cheapest full coverage for motorcycle insurance in Oregon” refers to the most cost-effective insurance policies that exceed the state’s minimal liability standards. Full coverage usually includes both comprehensive and collision insurance, providing extensive protection against various risks such as accidents, theft, vandalism, and natural disasters.

In this category, insurance rates are heavily influenced by a rider’s driving history. A clean record typically results in lower premiums because insurers view these riders as less risky.

Conversely, a track record of accidents or traffic violations often leads to higher rates since these riders are deemed higher risk. Specifically, being involved in an accident can significantly boost your rate due to the insurer’s heightened perception of future claim probabilities.

Average Cost Of Motorcycle Insurance In Oregon

The average monthly rate for full coverage motorcycle insurance in Oregon stands at $30.

Average Cost Of Motorcycle Insurance In Oregon – By City

Where you live in Oregon impacts your motorcycle insurance rates. Riders in large metropolitan areas typically face higher premiums than those in rural areas due to the higher accident rates in more populated zip codes.

Here are the ten cities with the lowest motorcycle insurance rates in Oregon:

Do You Need Motorcycle Insurance In Oregon?

Motorcycle insurance in Oregon is compulsory, not just recommended. The state requires all riders to carry at least the minimum level of insurance to legally use public roads. This law is designed to ensure financial responsibility for any damages or injuries in case of an accident.

Oregon law requires a minimum level of insurance coverage that includes liability insurance for bodily injury and property damage caused to others in an accident. This includes at least $25,000 for injury or death to one person, $50,000 for injury or death to multiple people, and $20,000 for property damage. This basic coverage, however, does not protect the rider’s own injuries or motorcycle damage.

Riders aiming for broader protection usually add coverages like collision, comprehensive, and uninsured/underinsured motorist insurance. Collision coverage pays for accident-related motorcycle damages, and comprehensive insurance covers non-collision events like theft, vandalism, or natural disasters. Uninsured/underinsured motorist coverage is particularly important in Oregon, where many drivers and riders may not have enough insurance.

Though the law dictates minimum insurance requirements, riders should consider their personal needs, including their motorcycle’s value, how often they ride, and their financial situation. Failure to maintain the required insurance can result in fines, license suspension, and even having the motorcycle impounded.

How To Get A Motorcycle Insurance Quote

Securing a motorcycle insurance quote is a hassle-free process involving several steps:

Gather Your Personal Information: Prepare your personal information before starting, including your full name, address, date of birth, and driver’s license number. Don’t forget to have details about any additional riders who may use the motorcycle.

Collect Your Motorcycle’s Details: You’ll need to provide specific information about your motorcycle, such as the make, model, year, engine size, and VIN. Additionally, note any modifications or safety features, as these can affect the insurance quote.

Determine Your Insurance Needs: Evaluate what type of coverage you need, including your desired liability limits and whether you want to add comprehensive, collision, or uninsured motorist coverage.

Research Insurance Providers: Look into insurance companies that offer motorcycle insurance. Evaluate their reputation, customer service track record, and financial stability.

Get Quotes: You can seek motorcycle insurance quotes using online platforms, phone inquiries, or in-person meetings. Simply relay the information you’ve gathered to the insurance company. Online forms can swiftly generate multiple quotes, offering convenience. (Utilizing services like Insuranceopedia can offer multiple quotes, making it easier to compare options.)

Compare Quotes: With several quotes in hand, compare them based on price, coverage options, deductibles, and any exclusions or limitations. Be sure you’re comparing similar coverages across different quotes.

Ask About Discounts: Inquire about discounts you may qualify for, including those for safe driving, holding multiple policies, or taking motorcycle safety courses.

Review Quotes and Select a Policy: Assess all the details and choose the policy that strikes the best balance between price and coverage for your needs.

Provide Additional Information and Make Your Purchase: After selecting a provider, you might need to supply extra information or documents. Review the policy details, pay the initial premium, and receive your proof of insurance.

After selecting a provider, you may need to give extra information or documents. Review the policy, make the first payment, and receive your proof of insurance.