When it comes to estimating the cost of car insurance in Oregon, personal factors like your age, driving record, ZIP code and the type of vehicle you own or drive matter.
CarInsurance.com’s car insurance rate calculator takes basic details into account to give you a rate estimate in Oregon at three different coverage levels – full coverage (with limits of 100/300/100), liability only (with limits of 50/100/50) and the state minimum. See your average insurance rates in the calculator below.
- Car insurance calculator is a valuable tool in estimating the cost of car insurance in Oregon.
- The average annual cost of a full coverage policy in Oregon with liability limits of 100/300/100 is $1,678 or $140 per month.
- Minimum liability coverage in Oregon costs around $641 per year, based on CarInsurance.com’s data analysis.
Car insurance calculator Oregon: How to get auto insurance estimates
When it comes to shopping for a policy, CarInsurance.com editors recommend that you get quotes from three different companies around renewal time – every six months – or annually. Get estimates for car insurance by using an online quoting tool.
Why? Because insurance companies have proprietary rating systems, each insurer rates factors like age or driving record differently. So, if you get a ticket, one company might penalize you 5%, while another company could penalize you 20%.
What factors affect car insurance estimates in Oregon?
Insurance estimates vary between states because of different insurance laws. In tort insurance states, the driver who caused the accident is responsible for covering the damages, and this often involves litigation to determine fault and damage costs.
Unlike tort laws, no-fault insurance laws in several U.S. states streamline the process by having each party’s insurance cover their own injury costs, regardless of who caused the accident.
Learn about the 10 most important factors that affect car insurance rates
Calculate new car insurance rates in Oregon by car model
When you’re shopping for a new vehicle, get quotes for car insurance so you can factor that cost into your overall car budget. If you’re looking for an affordable policy, cars that are the cheapest to insure have smaller engines and more safety features. On the other hand, sports cars and luxury vehicles are pricier for car insurance.
| Vehicle type | Average annual rates |
|---|---|
| Convertible | $2,567 |
| Electric | $2,463 |
| Hatchback | $1,921 |
| Hybrid | $2,140 |
| Luxury Car | $2,863 |
| Luxury SUV | $2,411 |
| Minivan | $1,789 |
| Performance SUV | $2,877 |
| Sedan | $2,064 |
| Sports Car | $2,948 |
| Station Wagon | $2,300 |
| SUV | $1,811 |
| Truck | $2,018 |
| Van | $1,647 |
“The best way to get car insurance quotes is to comparison shop – making sure you are comparing apples to apples. The internet is a great resource to compare insurance products – be sure to line up the exact dollar coverage and any riders included as well,” says James Brau, Joel C. Peterson professor of finance at Brigham Young University’s Marriott School of Business. “If you’re calling specific insurance companies, have them email written quotes to make sure there is no misunderstanding. Oftentimes, lower-cost insurance quotes don’t offer as much protection as higher-priced premiums, so it is an exercise in comparing apples to oranges.”
Use the car insurance calculator below to estimate your rates in Oregon by make and model.
Insurance rates by car model
Oregon car insurance estimates for used cars
Insuring a used car in Oregon typically costs less than insuring a newer vehicle due to the car’s depreciation value, which affects the replacement cost. The premiums may vary based on your car’s age, make, model and driving history, but it’s recommended that you compare multiple insurance quotes to find the best rate.
Use the car insurance calculator below to estimate your rates in Oregon for used cars by make and model.
Average insurance rates for your used car
Calculate your used car insurance coverage needs in a few simple stepsFAQ: How to estimate car insurance rates before buying a car in Oregon
How much auto insurance do I need in Oregon?
The amount of car insurance you require is based on your financial situation, the value of your car and your risk tolerance. For financed or leased vehicles, your lender may ask you to purchase comprehensive and collision coverage, which, when combined with liability, is known as full coverage.
Each state, including Oregon, has different minimum insurance requirements. However, these minimums provide only basic coverage and often fail to offer sufficient financial protection in the event of a severe car accident.
| Requirements | Coverage limits |
|---|---|
| Minimum bodily injury liability | $25,000 per person, $50,000 per accident |
| Minimum property damage liability | $20,000 per accident |
How much does car insurance cost in Oregon per month?
In Oregon, the full coverage car insurance comprises collision, comprehensive and liability with the limits of 100/300/100 and cost $140 a month. On the other hand, state minimum coverage costs $53 and liability policy with limits 50/100/50 is $59 monthly.
Does your age impact how much you pay for insurance in Oregon?
Young drivers in Oregon typically face higher car insurance rates due to their limited driving experience and a higher likelihood of being involved in accidents. Insurance companies factor this increased risk into their premium calculations, leading to higher costs for younger drivers.
In addition, young drivers are more prone to risky behaviors like speeding and distracted driving, which further raises the cost of their car insurance.
Calculate car insurance rates in your neighboring states
Resources & Methodology
Methodology
CarInsurance.com editors collected rates from Quadrant Information Services for a 40-year-old male with a good insurance score and a 12-mile commute. The rates are for a full coverage policy with limits of 100/300/100 and a $500 deductible.
We analyzed 28,561,720 insurance quotes for 1,439 makes and models from 58 national and regional insurance companies across 510 ZIP codes.
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