Car insurance premiums in Oregon can vary widely based on the vehicle you own. Insurers consider not only the make and model, but also safety ratings, likelihood of theft, cost of repairs and other factors, including age, location and driving record.
We’ve listed the most affordable cars to insure in Oregon by category, from sedans to sports cars and EVs.
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 costs can vary greatly depending on the type of car you drive. Generally speaking, the Van is the cheapest to insure, while the Performance Car is the most expensive.
We’ve reviewed rates for sedans, SUVs, sports cars, electric vehicles and luxury vehicles and identified the cheapest makes and models for each type, along with their average six-month premiums.
Cheapest sedans to insure in Oregon
Based on our data analysis, the Subaru Legacy is the cheapest sedan to insure, with an average cost of $1,052 for a full coverage car insurance six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
It is followed by the Honda Accord, which costs $1,135, and the Nissan Versa, which costs $1,157 to insure.
Below, you’ll find the most affordable sedans to insure in Oregon and their six-month full coverage car insurance premiums.
| 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
Sports cars are typically expensive to insure due to their high-performance engines (which make speeding easier and increase the risk of tickets and accidents), expensive replacement parts and higher theft rates.
But some makes and models are still affordable to insure. For instance, the Mazda MX-5 Miata is one of the most inexpensive models on our list, with an average cost of $1,014.
See the table below for average full coverage car insurance rates of different sports cars.
| 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 equipped with high-end components and advanced systems, making them expensive to fix or replace and resulting in high insurance rates. Unlike luxury vehicles, smaller SUVs such as the Honda CR-V, Honda HR-V and Volkswagen Tiguan generally have lower insurance premiums.
Among luxury vehicles, the Acura RDX has the lowest insurance cost at $1,016 for a six-month full coverage policy. The Volvo XC40 and Lincoln Corsair also have affordable insurance rates at $1,063 and $1,113, respectively.
This table highlights the average full coverage insurance cost for different luxury vehicles for a six-month policy 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
Electric vehicles generally come with higher purchase and insurance costs compared to gas-powered models, mainly due to their expensive components, such as batteries and the increased cost of repairs and labor.
Our data shows that the average cost to insure an electric vehicle is $2,790 annually, which breaks down to $233 monthly.
The table below highlights the most affordable EVs to insure in Oregon, including their average six-month full coverage premiums.
| 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
Car insurance is typically most expensive for drivers under 25, as they’re considered higher-risk due to limited driving history. Choosing a safer, lower-risk vehicle is one way to reduce those premiums. Vehicles that are easier to repair and less appealing to thieves generally come with affordable insurance rates.
The average six-month full coverage premium for an 18-year-old insuring a Subaru Forester is $3,979, while insuring a Honda CR-V costs $4,068 for the same coverage.
In the table below, we’ve broken down the most affordable cars to insure by vehicle type to help young drivers and their families make confident choices.
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?
Generally speaking, EVs are more expensive to insure than gas-powered vehicles. However, some electric cars are relatively affordable to insure compared to similar gas-engine vehicles.
For example, it costs $947 to insure a Mini Cooper Electric for a six-month policy, whereas the insurance cost of a Kia Niro EV is $999, according to our analysis.
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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