Who Has the Cheapest Motorcycle Insurance in Oregon?
The cheapest motorcycle insurance company in Oregon is Progressive, at just $19 per month for full coverage.
Compare Motorcycle Insurance Quotes From Oregon
Motorcycle insurance is mandatory in Oregon, but choosing the right company can save you hundreds of dollars while protecting you on the road.
Best cheap motorcycle insurance in Oregon
To help you find the best cheap motorcycle insurance in Oregon, ValuePenguin compared quotes from top companies across 25 of the largest cities in Oregon.
We ranked the best motorcycle insurance companies in Oregon based on customer service, cost and coverage availability.
To find the cheapest companies, we compared quotes for a full coverage policy with higher liability limits than the state minimum, plus collision and comprehensive coverage. See our full methodology.
The cheapest motorcycle insurance companies in Oregon
Progressive has the best price for motorcycle insurance in Oregon.
Progressive costs $19 per month for motorcycle insurance, or 41% less than the state average. .
A typical company charges around $32 per month for full coverage.
Compare Motorcycle Insurance Quotes From Oregon
Cheapest motorcycle insurance companies in Oregon
Company | Monthly rate | ||
|---|---|---|---|
| Progressive | $19 | |
| Dairyland | $23 | |
| Harley-Davidson | $28 | |
| Markel | $34 | |
| Nationwide | $39 | |
Best for most people: Progressive
-
Editor rating
-
Monthly rate
$19 ?
Pros and cons
Progressive offers the top motorcycle insurance in Oregon. It has the cheapest rates overall, plus great customer service and coverage options. Progressive has a great range of coverage options for Oregon riders, including roadside assistance, enhanced injury protection and coverage for carried contents like a tent or GPS equipment. This means it’s good for riders going on a long tour, and its two years of free replacement cost coverage makes it a good choice for buyers of a new motorcycle.
Progressive also has strong customer service ratings. It's received 31% fewer complaints than a typical company its size, as it has an NAIC Complaint Index of 0.69. This suggests customers are usually happy with its service.
Progressive has a wide range of discounts available for things like taking safe rider courses, paying your bill in full and insuring your car and home. The more of these you take advantage of, the less you'll pay.
Best for touring: Harley-Davidson
-
Editor rating
-
Monthly rate
$28 ?
Pros and cons
Harley-Davidson is the best option for dedicated riders in Oregon who use their bikes for long motorcycle tours. It offers coverages like rental reimbursement and trip interruption that will keep you safe and on the road on a tour.
However, Harley-Davidson is significantly more expensive than companies like Progressive. Its average price is $28 per month. That's 48% more than Progressive.
Customers of Harley-Davidson Insurance tend to be very satisfied with their service and rarely file complaints with regulators.
Another key drawback of Harley-Davidson is that it doesn't offer other kinds of insurance such as automobile or homeowners. That means you may miss out on a bundle discount, and that you'll have to manage your motorcycle policy separately from other policies.
Best for members of the military: USAA
-
Editor rating
-
Monthly rate
$18 ?
Pros and cons
Military members who need motorcycle insurance should look into USAA. The company has a great reputation for customer service and benefits tailored to people who serve in the military.
Unlike the other insurance it sells, USAA doesn't sell motorcycle insurance itself in Oregon. Instead, it offers a 5% discount at another major insurance company — usually Progressive.
USAA doesn't operate many in-person locations, so riders who prefer to buy insurance in-person may need to look for another company to get coverage.
Oregon motorcycle insurance: Costs by city
The most expensive major city in Oregon for motorcycle insurance is Portland, where coverage costs an average of $40 per month — 24% more than average.
Meanwhile, residents of Grants Pass pay the least for coverage, at slightly under $29 per month.
The cost of motorcycle insurance can vary significantly depending on where in Oregon you live. Areas with narrow or poorly-maintained roads are likely to pay more for coverage, for example.
City | Monthly cost | % from average |
|---|---|---|
| Albany | $32 | -2% |
| Ashland | $29 | -10% |
| Beaverton | $33 | 3% |
| Bend | $30 | -7% |
| Canby | $34 | 4% |
Oregon motorcycle insurance requirements
Motorcycle insurance is mandatory in Oregon, and you must buy a certain coverage amount to be allowed to ride. You need to buy liability coverage that pays for personal injury and property damage, as well as uninsured motorist coverage: This pays for your own medical bills if the other driver in an accident doesn't have coverage.
Coverage type | Minimum amount |
|---|---|
| Personal injury: per person | $25,000 |
| Personal injury: per accident | $50,000 |
| Property damage | $20,000 |
| Uninsured motorist: per person | $25,000 |
| Uninsured motorist: per accident | $50,000 |
Motorcycle insurers aren't permitted to sell you less coverage than the legal minimum in Oregon, so you don't need to worry about accidentally buying too little coverage. However, it's always a good idea to buymore than the minimum amount of coverage, which is often not enough to fully protect you in a crash.
How do you get a motorcycle license in Oregon?
Anyone who has a current driver's license in Oregon is eligible to apply for a motorcycle license. This means you must be an Oregon resident over 16 and have passed the driving knowledge and skills tests.
To get a motorcycle license in Oregon, you must take a rider education course by Team Oregon, a state-sponsored motorcycle education organization. If you're a beginner, you can take a course that covers in-class basics as well as how to ride a motorcycle. More advanced riders can take a less expensive intermediate course.
After you've finished the course, you can take your completion certificate to the DMV to receive your license. The mandatory Team Oregon class covers the "on-road" portion of the motorcycle test. Unlike in other states, there's no separate road test available. If you took the beginner class, you'll only take a vision test once you get to the DMV. Riders who opted for the intermediate class will need to take a written knowledge test, however.
Compare motorcycle insurance in Oregon vs other states
Methodology
To find the best cheap motorcycle insurance in New York, ValuePenguin collected 175 quotes across the state. Rates are for a 45-year-old single man who owns a 2018 Honda CMX500 Rebel.
Quotes are for a full coverage policy, which includes higher liability limits than the state requirement, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Uninsured and underinsured motorist property damage: $25,000 per accident
- Medical payments: $5,000
- Comprehensive and collision deductible: $500
To select the best motorcycle insurance in Oregon, we considered company rates, plus coverage and discount options, and quality of customer service.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.