The type of vehicle you own in Oregon can make a big difference in how much you pay for car insurance.
Insurers consider more than just make and model when setting rates. They also weigh factors like crash-test ratings, theft rates, safety features and average repair costs, as well as personal factors like your age and driving record.
We have highlighted the vehicles with the lowest insurance premiums and broken them down by make, model and type. Below, you’ll find the cheapest car insurance rates in Oregon for sedans, SUVs, sports cars, electric vehicles (EVs) and luxury vehicles.
Ranked: The cheapest cars to insure in Oregon
In Oregon, Subaru Forester and Honda CR-V have the cheapest car insurance rates, followed by Mini Cooper Electric and Honda HR-V, based on our research.
The table below highlights the most affordable vehicles to insure in Oregon, including their average six-month full coverage premiums.
| Car make-model | Average six-month premium |
|---|---|
| Subaru Forester | $943 |
| Honda CR-V | $946 |
| Mini Cooper Electric | $947 |
| Honda HR-V | $958 |
| Hyundai Venue | $964 |
| Subaru Outback | $970 |
| Chrysler Voyager | $971 |
| Mazda CX-5 | $971 |
| Chevrolet Express | $975 |
| Chevrolet TrailBlazer | $979 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Oregon
Auto insurance rates differ based on the type of vehicle. Typically, Van models have the lowest premiums, while Performance Car tend to cost the most to insure.
Whether you drive a sedan or a luxury vehicle, we’ve crunched the numbers to find out which models cost the least to insure by vehicle type and their average six-month full-coverage premiums.
Cheapest sedans to insure in Oregon
Our data shows that Subaru Legacy is the most affordable sedan to insure in Oregon. Its average six-month full coverage cost is $1,052 for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
The Honda Accord takes the second spot at $1,135, while the Nissan Versa comes in third with an average cost of $1,157.
The table below shows the cheapest sedans to insure in Oregon and their average full coverage six-month costs.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $1,052 |
| Honda Accord | $1,135 |
| Nissan Versa | $1,157 |
| Volkswagen Jetta GLI | $1,158 |
| Honda Civic Sedan | $1,164 |
| Toyota Camry | $1,173 |
| Mazda 3 Sedan | $1,179 |
| Volkswagen Jetta | $1,182 |
| Toyota Corolla | $1,182 |
| Kia Forte | $1,186 |
| Nissan Sentra | $1,197 |
| Kia K5 | $1,200 |
| Chevrolet Malibu | $1,209 |
| Hyundai Elantra | $1,223 |
| Hyundai Sonata | $1,237 |
| Nissan Altima | $1,243 |
| Mitsubishi Mirage G4 | $1,284 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Oregon
In Oregon, the Subaru Forester and Honda CR-V are some of the most affordable SUVs to insure with an average six-month full coverage cost of $943 and $946 respectively. See the table below for the complete list of affordable SUVs to insure.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Subaru Forester | $943 |
| Honda CR-V | $946 |
| Honda HR-V | $958 |
| Mazda CX-5 | $971 |
| Chevrolet TrailBlazer | $979 |
| Subaru Crosstrek | $985 |
| Toyota Corolla Cross | $987 |
| Ford Escape | $989 |
| Mazda CX-30 | $990 |
| Kia Seltos | $991 |
| Volkswagen Taos | $993 |
| Kia Sportage | $995 |
| Honda Pilot | $999 |
| Honda Passport | $1,001 |
| Ford Bronco Sport | $1,003 |
| Ford Edge | $1,004 |
| Chevrolet Trax | $1,007 |
| Jeep Wrangler | $1,010 |
| Mini Cooper Countryman | $1,016 |
| Subaru Ascent | $1,019 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Oregon
High-performance engines, increased repair costs and greater theft risk usually make sports cars expensive to insure.
Still, there are some models that are affordable to insure. The Mazda MX-5 Miata stands out as one of the cheapest options on our list, with an average six-month premium of $1,014.
The table below compares car insurance rates for different sports cars in Oregon
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $1,014 |
| Honda Civic Si | $1,206 |
| Chevrolet Camaro | $1,228 |
| Ford Mustang | $1,340 |
| Subaru WRX | $1,394 |
| Toyota GR86 | $1,421 |
| Subaru BRZ | $1,429 |
| Toyota GR Supra | $1,452 |
| BMW Z4 | $1,461 |
| Honda Civic Type R | $1,477 |
| Toyota GR Corolla | $1,489 |
| Porsche 718 Boxster | $1,562 |
| Chevrolet Camaro ZL1 | $1,572 |
| Nissan Z | $1,633 |
| Chevrolet Corvette | $1,645 |
| Porsche 718 Cayman | $1,681 |
| Jaguar F-Type | $2,021 |
| Chevrolet Corvette Z06 | $2,096 |
| Porsche 911 | $2,148 |
| Porsche 911 Turbo | $2,302 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Oregon
Luxury cars are also more expensive to insure than some vehicle types because they’re loaded with expensive features, making them more costly to repair and replace than smaller crossover SUVs like the Honda CR-V, Honda HR-V or Volkswagen Tiguan.
The Acura RDX is the cheapest luxury car to insure, with an average cost of $1,016 for a full coverage six-month policy. It is followed by the Volvo XC40 ($1,063) and Lincoln Corsair ($1,113).
The table below shows the full coverage six-month average premiums for different luxury vehicles with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $1,016 |
| Volvo XC40 | $1,063 |
| Lincoln Corsair | $1,113 |
| Acura MDX | $1,124 |
| Volvo XC60 | $1,128 |
| Cadillac XT4 | $1,161 |
| Alfa-Romeo Tonale | $1,183 |
| Acura Integra | $1,184 |
| Lexus RX | $1,188 |
| Cadillac XT5 | $1,188 |
| BMW X3 | $1,193 |
| BMW X1 | $1,202 |
| Audi Q3 | $1,209 |
| Mercedes-Benz GLA-Class | $1,229 |
| Mercedes-Benz GLB-Class | $1,231 |
| BMW X2 | $1,232 |
| Lexus NX | $1,233 |
| Lincoln Aviator | $1,247 |
| Cadillac XT6 | $1,256 |
| Lincoln Nautilus | $1,263 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Oregon
EVs generally cost more to insure than gas-powered vehicles because their batteries and other parts are expensive and repairing them often requires specialized labor.
Based on our analysis, insuring an electric vehicle costs an average of $2,790 annually, or $233 monthly.
The table below lists the most affordable EVs to insure in Oregon and their six-month average full coverage rates.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Mini Cooper Electric | $947 |
| Kia Niro EV | $999 |
| Hyundai Kona Electric | $1,001 |
| Volkswagen ID.4 | $1,093 |
| Chevrolet Silverado EV | $1,125 |
| Nissan Leaf | $1,167 |
| Ford F-150 Lightning | $1,181 |
| Toyota bZ4X | $1,190 |
| Audi Q4 e-tron | $1,199 |
| Subaru Solterra | $1,208 |
| Hyundai Ioniq 5 | $1,221 |
| Ford Mustang Mach-E | $1,268 |
| Kia EV6 | $1,271 |
| Mercedes-Benz EQB | $1,277 |
| Volvo XC40 Recharge | $1,294 |
| Hyundai Ioniq 6 | $1,321 |
| Cadillac LYRIQ | $1,337 |
| Nissan Ariya | $1,348 |
| Chevrolet Blazer EV | $1,351 |
| Kia EV9 | $1,381 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Oregon
Choosing the right vehicle can significantly affect how much a young driver pays for insurance. Drivers younger than 25 pay the most of any age group due to their general lack of experience and greater risk of accidents. Vehicles considered safe with smaller engines, cheaper to repair, and less likely to be stolen come with lower premiums.
For instance, a Subaru Forester costs an average of $3,979 to insure for an 18-year-old driver, whereas a Honda CR-V costs an average of $4,068 for a six-month full coverage car insurance policy for an 18-year-old driver.
The table below highlights the cheapest cars to insure based on vehicle type, helping young drivers and their families make confident decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
Final thoughts
Insurance rates vary significantly based on the car you drive, but other factors, such as where you live, your driving record and the coverage level you choose, are also important. Our guide will help you choose a vehicle that not only suits your lifestyle but is affordable to insure.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Oregon?
Electric cars are usually more costly to insure than traditional gas-powered vehicles. However, some EVs are affordable when compared to similar models with gas engines.
For instance, a six-month full coverage policy for a Mini Cooper Electric costs $947, whereas the cost of insuring a Kia Niro EV is $999 for the same coverage.
Which SUVs are the cheapest to insure in Oregon?
The Subaru Forester is one of the cheapest SUVs to insure in Oregon, with an average cost of $943 for a six-month car insurance plan. The Honda CR-V and Honda HR-V also come with relatively low insurance premiums.
What are the cheapest cars to insure for teen drivers in Oregon?
The Subaru Forester, Honda CR-V, Mini Cooper Electric and Subaru Outback are some of the cheapest cars to insure for an 18-year-old driver in Oregon. On the other hand, Maserati Quattroporte, Maserati Ghibli and Audi RS7 are the most expensive vehicles to insure for a young driver.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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