Who Has The Cheapest Motorcycle Insurance Quotes In Oregon?

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Oregon is a great place to own a motorcycle with scenic roadways alongside its coastline and throughout its forests. To see who has the best motorcycle insurance rates in Oregon we gathered motorcycle insurance quotes from three major carriers for a sample 45-year-old male rider's policy. The data showed the most expensive carrier for the sample policy was 3x the cost of the cheapest in Oregon.

Cheapest Motorcycle Insurance in Oregon

Nationwide ranked as the cheapest motorcycle insurance company out of the three major carriers in Oregon. Their quotes on average cost a third (or $588 less per year) for the same policy from the most expensive carrier.

A ValuePenguin study found Nationwide had the best motorcycle insurance rates for a sample policy and rider.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

We started our search for the best motorcycle insurance rates in Oregon by surveying quotes from major companies in the state. The study included quotes from three major carriers tht provided their quotes online: Progressive, Nationwide and GEICO. Graphed above is the average quote we obtained by carrier for our sample policy and rider, along with the state average. Coverage was for a sample policy that had bodily injury protection ($100,000 per person/$300,000 per accident) and $50,000 in property damage coverage. While your actual quote will differ based on the make and model of the motorcycle you ride (among other things), this can give you a sense of how different quotes can be for the same coverage and rider. 

Best Motorcycle Insurance Rates In Oregon: By City

We took a closer look at the five largest cities in Oregon to see which ones had the best motorcycle insurance rates and the findings were a little surprising. Typically, the largest cities have the highest rates, but that wasn't the case in Oregon. Gresham is much smaller than Portland, but its average premium compared to the state average is 11% higher.

RankCityAverage Annual Rate% Difference vs. State Average
1 Portland $560 12%
2 Salem 491 -2%
3 Eugene 461 -8%
4 Gresham 618 23%
5 Hillsboro 491 -2%

Portland, OR

Portland is the largest city in Oregon and a unique one for many reasons. It was named after the coastal city in Maine and is the only city that directly elects its metropolitan planning organization. Perhaps as a result, it has been recognized as one of the most environmentally friendly cities in the world, with significant investment in public transit. Portland also has more than 10,000 acres of public parks. Our study showed motorcycle insurance rates in Portland were 12% higher than the state average.

Salem, OR

The capital of Oregon is the state's second larget city, with about 165,000 residents. The area that is now Salem was settled years before Oregon became a state. The state government is the largest employer in the city but a number of large food processors are also located there, including the popular potato chip maker Kettle Foods. Motorcycle insurance is relatively inexpensive, given the size of the city. Rates for our sample policy and rider were 2% lower than Oregon's average.

Eugene, OR

Eugene is a city in northwest Oregon, near the confluence of the McKenzie and Willamette Rivers. It is nearly the same size at Salem, with about 160,000 residents. It's perhaps best known for being the home to the University of Oregon and the local outdoor activities in the area. Out of the five most populous cities in the state, Eugene had the best motorcycle insurance rates, which were 8% lower than the state average.

Gresham, OR

Gresham is adjacent to Portland and many residents who live there work in the neighboring city. It was settled in the mid-19th century by two brothers but began growing steadily in the 1960s. Like other Oregon cities, Gresham is known for its parks. Motorcycle insurance rates in Gresham are the most expensive out Oregon's largest cities, with quotes that were 23% higher than the state average.

Hillsboro, OR

The city of Hillsboro is east of Portland and has become know as the Silicon Forest for it's many technology companies, including Intel. It also has been long-settled by various people due to its attractive climate and local hunting and fishing. in addition to technology companies, healthcare, agriculture and retail are other significant industries with a presence in the city. Motorcycle insurance quotes in Hillsboro were some of the best amongst Oregon's large cities. Rates were 2% lower than the state average.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Most Expensive Motorcycle Insurance in Oregon

The five places in Oregon with the most expensive motorcycle insurance quotes included and were nearby Portland, the state's most populous city. This distribution of the most expensive places was common in the majority of states were we conducted an identical study. In Oregon, the city with the most expensive rates was Gresham, where quotes for our sample property were 23% higher than the state average.

RankCityAverage Annual Rate% Difference vs State Average
1 Gresham $618 23%
2 Corvallis 582 16%
3 Portland 560 12%
4 Canby 547 9%
5 Lake Oswego 542 8%

Gresham, OR

The place with the most expensive motorcycle insurance rates in Oregon was Gresham, a city just east of Portland and a populous suburb of the city. Since the 1960s, the city has grown in popularity and attracted more and more residents. Today, more than 109,000 people live there. Motorcycle insurance rates in Gresham were the most expensive in the state, according to our study. Quote for our sample policy were 23% higher than the Oregon average.

Corvallis, OR

About 35 miles south of Oregon’s capital is the city of Corvallis. Corvallis has more than 55,000 residents and is home to Oregon State University. The university is the largest employer in the city but other major companies have a presence there, too, including Hewlett-Packard. Motorcycle insurance rates in Corvallis were 16% higher than the state average.

Portland, OR

Although it’s not the capital, Portland is the largest city in Oregon. More than 2.3 million people live in the city’s metropolitan area, which is known for its land-use planning and investment in public transportation. The city is also known for its influential music scene and as a location for a number of films and television series. Motorcycle insurance premiums in Portland were 12% higher than the state average.

Canby, OR

Canby is a small city south of Portland with roughly 16,000 residents. It is on the bank of the Molalla River and known for the Clackamas County Fair and Rodeo, which the city has hosted since 1907. Mt. Hood, the highest point in Oregon, is visible from the city. Motorcycle insurance rates in Canby are 9% higher than the Oregon average.

Lake Oswego, OR

South of Portland and nearby the Willamette River is the city of Lake Oswego. Within the city limits is Lake Oswego and more than 37,000 residents. Locals there enjoy community markets and events that take place weekly throughout the year. Motorcycle insurance rates in Lake Oswego were 8% higher than the state average.

Average Motorcycle Insurance Rates In Oregon: By City

This comparative study of motorcycle insurance premiums in Oregon was done by gathering and analyzing quotes from three major carriers across 58 municipalities and census-designated places. Our analysis showed premiums quoted for the most expensive place were 40% higher than the cheapest.

In Oregon, ValuePenguin found the average cost of motorcycle insurance for a sample rider and policy was $501.

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Study Methodology

Our study analyzed motorcycle insurance quotes for a sample policy and rider across 58 municipalities and census-designated places in the state of Oregon. The quotes we gathered were from four major carriers: Progressive, Nationwide and GEICO. The rider we gathered quotes from was a 45-year-old male who was married and had completed a motorcycle training course. He also had a clean driving record. The policy itself included bodily injury protection $100,000 per person/$300,000 per accident and $50,000 in property damage coverage. The deductibles for both Comprehensive and Collision coverage were $500. The motorcycle used when gather quotes was a Harley Davidson Street Glide (1690cc) with no anti-theft device installed.

RankCityAverage Annual Rate% Difference vs State Average
32 Albany $493 -2%
9 Ashland 460 -8%
48 Astoria 538 7%
38 Baker City 507 1%
44 Beaverton 537 7%
12 Bend 461 -8%
2 Brookings 453 -10%
34 Burns 507 1%
55 Canby 547 9%
53 Clatskanie 538 7%
1 Coos Bay 443 -12%
57 Corvallis 582 16%
11 Cottage Grove 461 -8%
21 Dallas 489 -2%
36 Enterprise 507 1%
10 Eugene 461 -8%
3 Gold Beach 453 -10%
8 Grants Pass 453 -10%
58 Gresham 618 23%
35 Hermiston 507 1%
24 Hillsboro 491 -2%
41 Hood River 526 5%
39 John Day 507 1%
26 Keizer 491 -2%
5 Klamath Falls 453 -10%
37 La Grande 507 1%
54 Lake Oswego 542 8%
14 Lakeview 471 -6%
18 Lebanon 480 -4%
31 Lincoln City 493 -2%
19 Madras 480 -4%
13 Mckenzie Bridge 461 -8%
28 Mcminnville 493 -2%
7 Medford 453 -10%
46 Molalla 538 7%
22 Newberg 489 -2%
30 Newport 493 -2%
40 Ontario 507 1%
Oregon Average 501 0%
52 Oregon City 538 7%
33 Pendleton 507 1%
56 Portland 560 12%
23 Prineville 490 -2%
6 Rogue River 453 -10%
4 Roseburg 453 -10%
50 Saint Helens 538 7%
25 Salem 491 -2%
49 Scappoose 538 7%
51 Seaside 538 7%
15 Silverton 480 -4%
17 Sisters 480 -4%
16 Stayton 480 -4%
20 Sweet Home 480 -4%
42 The Dalles 526 5%
45 Tigard 537 7%
27 Tillamook 493 -2%
43 Tualatin 537 7%
47 Wilsonville 538 7%
29 Woodburn 493 -2%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

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