Auto Insurance in Redmond, Oregon

Auto Insurance

You need to have auto insurance in order to be a legal driver in Oregon. You are required by law to have liability insurance, which covers you if you cause an accident that injures someone or damages their property. If you’re caught driving without insurance, you could face fines, license suspension, and even jail time. Call QuoteDesign – or request a quote!

Car Insurance Quotes for Redmond Drivers


Oregon’s Minimum Requirements

According to the Oregon Department of Transportation, the minimum auto insurance coverage a driver must have includes:

Coverage Type Coverage Limit
Bodily Injury and Property Damage Liability (per person) $25,000
Bodily Injury and Property Damage Liability (per crash for bodily injury to others) $50,000
Bodily Injury and Property Damage Liability (per crash for damage to others’ property) $20,000
Personal Injury Protection (per person) $15,000
Uninsured Motorist (per person) $25,000
Uninsured Motorist (per crash for bodily injury) $50,000

Securing Auto Insurance in Redmond

There are several methods to obtain auto insurance in Oregon. Traditional means include purchasing a policy from an insurance company in Redmond or Eagle Crest. Alternatively, the Oregon Auto Insurance Plan, a state-sponsored initiative, offers insurance for drivers unable to secure traditional coverage. Those with a clean driving record and good credit typically have no trouble acquiring insurance from regular insurance companies. However, those with a challenging history might find the Oregon Auto Insurance Plan beneficial.

Understanding Full Coverage

Full coverage in Oregon generally encompasses liability insurance, uninsured/underinsured motorist coverage, and personal injury protection. Coverage specifics can differ from one policy to another. It’s recommended to consult your insurance agent about your policy’s inclusions and exclusions.

Rating Car Insurance Options

While affordable auto insurance might seem appealing, it doesn’t necessarily equate to the best auto insurance. For the finest rates in Oregon, consider shopping around or letting us compare quotes on your behalf. When purchasing auto insurance in Oregon, ensure:

  1. Adequate coverage to safeguard yourself and your assets.
  2. Awareness of the state’s minimum coverage requirements.
  3. Comparing rates from multiple insurance providers.

Commercial Auto Insurance Essentials

Owners of Oregon businesses that utilize vehicles must have commercial auto insurance by law. This covers liabilities from accidents involving company vehicles and damages to the vehicles.

Types of Commercial Auto Insurance:

  • Business Auto: Mandatory for vehicles engaged in commercial activities such as client visits or deliveries. Standard auto insurance usually doesn’t cover work-related uses.
  • Contractors’ Auto Insurance: Essential for transporting materials and tools between job sites.
  • Food Trucks & Deliveries: Tailored for food businesses that rely on commercial vehicles. Covers attached equipment.
  • Heavy Truck Insurance: Specialized insurance for heavy and large company trucks.

Cost Factors for Commercial Auto Insurance in Oregon

The commercial auto insurance price in Oregon depends on:

  • Profession
  • Vehicle type
  • Driving history
  • Location
  • Travel scope
  • Coverage necessities

Ride-Sharing and Commercial Insurance

Engaging in ride-sharing apps like Uber or Lyft necessitates commercial auto insurance. The Division of Financial Regulation advises Oregonians to review their insurance needs when participating in these platforms, as personal insurance might not cover significant liabilities in ride-sharing contexts.

Driving for Uber or Lyft? You Will Need Commercial Insurance

The Division of Financial Regulation advises Oregonians to consider their insurance needs when engaging in new apps and websites that facilitate car rides, as personal insurance often does not cover large portions of liability when it comes to providing these services.

Examples include transportation networking companies (TNCs), such as Uber, Lyft, and Sidecar, that offer smartphone apps to help connect drivers and passengers as an alternative to taxis. Drivers who participate use their personal vehicles to transport passengers for a fee.

Here’s an Idea: Bundle Homeowners and Auto Insurance

Maximizing Savings through Bundling: One of the most effective strategies to both simplify your insurance management and also save on premiums is to bundle your insurance policies. By purchasing both homeowners and auto insurance through QuoteDesign, you can often avail significant discounts.

Why Bundle with QuoteDesign in Redmond?


Combining auto insurance with homeowners insurance typically results in reduced premiums for both. It’s a win-win for Redmond residents aiming to get comprehensive coverage while staying budget-friendly.

Simplified Management

Bundling allows for easier policy management. Dealing with a single agent and a unified policy can simplify the renewal process, claims handling, and any adjustments you might need to make over time.

Enhanced Relationship with Agent

By consolidating your insurance needs, you build a stronger relationship with your agent. This can lead to better customer service, faster claim processing, and personalized advice tailored to your combined home and auto needs.

Flexible Coverage Options

At QuoteDesign, our bundling options are designed with flexibility in mind. Whether you’re a homeowner with multiple cars or a renter with a single vehicle, there’s a bundling solution to match your circumstances.

Fewer Gaps in Coverage

By consolidating policies, you minimize the risk of potential gaps in coverage, ensuring that both your home and vehicle are comprehensively protected under any circumstances.

We Help You Understand All Your Insurance Options In Oregon

what people say

What Our Clients Have Said About Us!

Albert Brown

Prineville, OR

5 star rating
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“I got my life insurance with Gary and Joy. I started an indexed universal life insurance plan and was very happy with the service they provided.

Kim Holloway

Portland, OR

5 star rating
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5 star rating

“I am in Portland, but it was still easy to work with QuoteDesign. Gary helped me with general liability business insurance. I went with thimble”

Karen Evenvold

Eagle Crest, OR

5 star rating
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5 star rating
5 star rating
5 star rating

“They’re awesome so professional courteous and the best price for the best insurance. Call to get your quote today”

​Car Insurance FAQs

A car insurance deductible is the amount you’re responsible for paying before your insurance company covers the remaining costs of a covered claim. The choice of deductible can impact your premium and your financial responsibility in the event of an accident. Want to know how to choose the right deductible, what happens when you’re not at fault, or how your deductible choice can impact your overall protection? Check out our in-depth article written entitled “What is a Car Insurance Deductible?

The cost of car insurance in Oregon can vary significantly based on several factors like your driving record, age, and location. On average, Oregonians pay about $67 a month or $807 annually for minimum coverage. However, this is just the tip of the iceberg. Rates can fluctuate depending on your profile; for example, teen drivers may pay up to an eyebrow-raising $301/month. Various insurance companies also offer different rates, with premiums ranging from $417/year to $1,182/year for minimum coverage.

Curious about how to save on your premium, or want to compare rates by age and company? For a deep dive into the Oregon car insurance landscape, including how to save money and detailed insurance costs by company and age, check out our comprehensive article entitled “How Much is Car Insurance in Oregon?

The cost of your auto insurance is influenced by a variety of factors including your credit score, the type of vehicle you drive, and even your driving history. While some factors, such as age and gender, are out of your control, others like your coverage selections and annual mileage can be optimized for better rates. With so many elements affecting your premiums, understanding what goes into the calculation can offer valuable insights into finding the most affordable coverage for your needs.

Interested in a comprehensive guide on how each of these factors can impact your auto insurance rates? For an in-depth analysis, tips, and how you can optimize your coverage to get the best rates, check out our full article, entitled “What Factors Determine Your Auto Insurance Rates?

Car insurance premiums for teenagers are typically higher than for other age groups due to the increased risk associated with younger drivers. On average, adding a teenager to a car insurance policy can increase the cost significantly, sometimes even doubling the rate. The exact amount can vary based on factors such as the teenager’s driving record, the type of vehicle they drive, and where they live. To understand why car insurance for teenagers tends to be more expensive, we recommend reading our article, “Car insurance for teen drivers”, which delves deeper into the factors and statistics behind these rates.