Motorcycle insurance is mandatory in Oregon, but choosing the right insurer can save you hundreds of dollars while protecting you on the road. We found that the cheapest motorcycle insurer in Oregon has an annual premium of just $412.
Compare Motorcycle Insurance Quotes from Providers in Oregon
After researching hundreds of insurance quotes and dozens of companies, we believe that there's more to consider than price alone. See our full review below, or use the quotebox above to find your best price.
Best motorcycle insurance for most people: Nationwide
We recommend Nationwide as the best choice for motorcycle insurance for most Oregon riders. We were impressed with its very affordable prices and good coverage options, though its customer service is merely average.
We found that Nationwide's average cost of motorcycle insurance in Oregon is just $412 per year. That's 37% less than the typical cost we found across all insurers, and $138 less than the second-cheapest option, GEICO.
Nationwide also has a very good selection of discounts, which allows many of its customers to save even more money. Most notably, Nationwide has discounts for bundling multiple policies together, including both home and car insurance. People who buy all three from Nationwide may be able to save a substantial amount.
Nationwide has a good range of coverage options, including protection for custom equipment and original equipment manufacturer (OEM) parts coverage. However, riders looking for more comprehensive coverage on a brand-new bike may want to look at our pick for full coverage, Progressive.
Nationwide's customer service is only average. Its complaint index from the National Association of Insurance Commissioners is 1.48, indicating it received 48% more complaints than a typical insurance company of its size. However, it got a slightly better-than-average insurance survey score from J.D. Power, and an A+ rating from AM Best — that means it has "excellent" ability to pay out insurance claims.
Best for full coverage and great customer service: Progressive
For motorcycle riders who are willing to pay more for a wide range of coverage options and great service from their insurer, we recommend Progressive.
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 makes it an appealing option 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.
We liked Progressive's customer service ratings, too. It has an National Association of Insurance Commissioners (NAIC) complaint index of 0.53, meaning it's received only 53% as many complaints as a typical company, and that customers are usually happy with its service.
Unfortunately, Progressive's solid coverage comes at a price. Its average rate of $709 per year makes it slightly more expensive than the average price we found in Oregon, and $293 more expensive than Nationwide.
It's worth noting that 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 members of the military: USAA
Members of the military who need motorcycle insurance should take a look at USAA. USAA has a reputation for great customer service and benefits tailored to people who serve in the military.
Unlike its other insurance lines, USAA doesn't sell motorcycle insurance itself. Instead, it offers a 5% discount at another major insurance company (most often Progressive insurance).
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.
How we chose the best motorcycle insurers in Oregon
When deciding which Oregon motorcycle insurance company is the best, we consider three key factors: affordability, coverage options and customer service.
- Affordability: Does an insurance company have an affordable price, especially compared to its competitors?
- Coverage options: Does the insurer offer a wide variety of coverage options? Are there any coverages included in a standard policy that go beyond the legal minimums?
- Customer service: Will you have a positive experience interacting with this insurance company, especially while making a claim on your policy?
Affordability: Finding cheap motorcycle insurance in Oregon
Choosing an affordable motorcycle insurance company can save you hundreds of dollars per year. The average cost of motorcycle insurance in Oregon is $652. But the most affordable insurer we found, Nationwide, can save you hundreds off the typical price.
|Insurer||Average cost||% difference from average|
|Berkshire Hathaway Inc.||$550||-15.6%|
Our selected levels of coverage were:
- Bodily injury liability coverage: $100,000 per person/$300,000 per accident
- Property damage liability coverage: $50,000 per accident
- Collision coverage: Included/$500 deductible
- Comprehensive coverage: Included/$500 deductible
- All other coverages: Not included
Coverage options: comparing motorcycle insurance policies and benefits
Not every motorcyclist has the same coverage needs: someone who uses their bike only on weekends needs a different level of protection from someone who rides every day. And the owner of a brand new motorcycle may want more protection than someone who has an older bike.
With that in mind, we're fans of motorcycle insurance companies that offer a wide range of coverage options to their riders. Here's a breakdown of coverage options available from major Oregon motorcycle insurance companies.
|Insurance provider||Maximum liability limit||Replacement cost coverage||OEM parts replacement||Custom parts||Roadside assistance||Rental reimbursement|
Customer service: Evaluating insurer quality in service and claims
The strength of an insurer's customer service makes a huge impact on the overall quality of the company. A strong customer service team can make the difference between receiving a claim payout immediately and a frustrating, drawn-out claims experience.
To evaluate motorcycle insurance companies' customer service experience, we look at three key metrics: the NAIC complaint index, the J.D. Power insurance survey score, and the AM Best financial strength rating.
|Insurer||NAIC complaint index||J.D. Power survey score||AM Best financial strength rating|
|American Family Insurance||0.69||825||A|
|Berkshire Hathaway Inc.||1.20||813||A++|
NAIC Complaint Index: Compares the number of complaints an insurance company has received with its size. A smaller number indicates fewer complaints, and the national average score is 1.00. J.D. Power rankings: This ranking is based on a survey analyzing overall consumer satisfaction with their insurance company. A higher score is better, and the average in Oregon is 823. AM Best FSR: This rating describes the overall financial health of an insurance company. A better score indicates the company will be more able to pay out insurance claims even in times of high claim demand (such as after a natural disaster) or negative economic climate. Grades range from A++ (best) to D (worst).
Oregon motorcycle insurance: Costs by city
The cost of motorcycle insurance can vary significantly based on where in Oregon you live. For example, a rider who lives in the most expensive city, Gresham, will pay nearly $250 more per year than a resident of Eugene, the cheapest city.
Oregon motorcycle insurance requirements
Motorcycle insurance is mandatory in Oregon, and you must buy a certain coverage amount to be allowed to ride. You must 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|
|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.
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 advanced 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. So 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.
To gather our statewide rate data, we collected hundreds of motorcycle insurance quotes from 58 major cities across the state of Oregon. We gathered prices from four major motorcycle insurers: Dairyland, GEICO, Nationwide and Progressive. Our sample rider was a married 45-year-old man with 20 years of experience riding a motorcycle. He owns a Harley-Davidson FLHX Street Glide. Your own rates will vary based on your age, location, riding experience and other factors.