The cost of car insurance in Oregon varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Oregon Mutual offers the cheapest rates at $1,147 a year for full coverage.
This guide makes buying car insurance in Oregon easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to learn how car insurance works in Oregon and how much you need.
- The average cost of car insurance in Oregon is $1,678 a year or $140 per month, based on our data analysis.
- Minimum liability coverage in Oregon costs around $641 annually for limits of 25/50/20, while liability-only coverage costs $710 per year for limits of 50/100/50.
- Oregon Mutual provides the most affordable annual rates for full coverage car insurance in Oregon, costing $1,147 per year.
- In Oregon, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 36%, a DUI raising rates by 56%, and an at-fault accident by up to 52%.
How much is car insurance in Oregon?
CarInsurance.com data found that drivers in Oregon pay $140 monthly for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
See how rates change in Oregon based on driver profile:
- Teen drivers in Oregon pay the most — about $485 a month or $5,819 a year.
- Young drivers in their 20s pay an average of $216 monthly or $2,589 annually, for car insurance.
- Senior drivers pay around $140 monthly or $1,685 a year.
- A speeding ticket can increase your rates to $187 monthly or $2,244 annually.
- An at-fault accident increases car insurance rates to $222 a month or $2,669 a year.
- Poor credit drivers usually see their car insurance costs increase to $280 monthly or $3,363 annually.
Average cost of auto insurance in Oregon by coverage level
Car insurance costs in Oregon can differ based on the coverage limit. To legally drive, Oregon residents must adhere to the minimum liability limits of 25/50/20.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in Oregon, but it doesn’t offer adequate protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in Oregon for three different coverages.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $53 | $641 |
| Liability Only – 50/100/50 BI/PD | $59 | $710 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $140 | $1,678 |
State minimum car insurance in Oregon
Oregon laws mandate that all drivers carry insurance with minimum liability limits of $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $20,000 for property damage liability.
The state minimum car insurance cost in Oregon is $641 a year. However, this basic coverage only offers limited protection. Oregon drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in Oregon must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Oregon
According to CarInsurance.com data, liability-only car insurance costs $710 in Oregon for limits 50/100/50.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in Oregon
In Oregon, you can expect to pay around $1,678 per year for full coverage car insurance for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in Oregon
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in Oregon pay more for premiums than those in lower-risk areas.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
Calculate car insurance rates by ZIP code in Oregon
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Oregon by car model
Oregon car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
Find out how much car insurance costs for your car make and model in Oregon.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Oregon
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. Oregon drivers aged 30 to 60 have the lowest average auto insurance rates at $1,631 annually.
Oregon drivers aged 16-19 pay $4,188 more for insurance premiums than drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $5,819 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,478 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,631 per year in Oregon.
- For senior drivers: Drivers age 65 and older can expect to pay $1,685 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Oregon
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Oregon can increase your premiums by up to 56% because insurers see you as a risky driver.
If you get caught speeding in Oregon, your car insurance rates will increase by 36% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
Here is how much your car insurance rate increases in Oregon after driving incidents:
- Speeding ticket: Up to 36% increase
- DUI conviction: 56% increase
- At-fault accident (bodily injury and property damage): 52% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in Oregon for high-risk drivers
In Oregon, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Oregon
Drivers in Oregon can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car you drive, there are many options to get the coverage you need at a price that works for you.
Begin your search for the top car insurance policy in Oregon by getting quotes from multiple insurance providers and comparing them.
Below are the details of Oregon car insurance companies and their annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Oregon Mutual | $445 | $497 | $1,147 |
| Travelers | $534 | $585 | $1,318 |
| Nationwide | $813 | $782 | $1,411 |
| State Farm | $534 | $616 | $1,502 |
| Country Financial | $481 | $532 | $1,527 |
| GEICO | $513 | $624 | $1,683 |
| Progressive | $650 | $723 | $1,765 |
| Farmers | $976 | $1,121 | $2,210 |
| Allstate | $1,041 | $1,131 | $2,945 |
| USAA | $439 | $495 | $1,277 |
Car insurance rates by city in Oregon
Gresham is the most expensive city in Oregon, with an average car insurance rate of $2,077 a year. Albany is the cheapest city for Oregon drivers at an average rate of $1,468 annually.
Car insurance costs differ from city to city in Oregon, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Below, you’ll see the average annual car insurance cost of major cities in Oregon.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Oregon per month?
Car insurance in Oregon costs an average of $140 a month for a full coverage policy with limits of 100/300/100.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
On the other hand, paying for car insurance in full at renewal time can often result in a discount. Ultimately, your best option will depend on your needs and circumstances.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $53 |
| Liability Only – 50/100/50 BI/PD | $59 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $140 |
Final thoughts on choosing car insurance in Oregon
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in Oregon.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Oregon. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/20.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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