- 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%.
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 get a clear idea of how car insurance in Oregon works and how much coverage you need.
How much is car insurance in Oregon?
According to CarInsurance.com data, drivers in Oregon pay about $140 per month for full coverage car insurance.
Understanding the average insurance cost can help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
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 policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
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.
Below are the Oregon car insurance costs for three different coverage levels.
| 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.
In Oregon, you can get state minimum car insurance for $641 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Oregon must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in Oregon
Liability-only car insurance costs $710 in Oregon for coverage limits of 50/100/50, according to CarInsurance.com data.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
Full coverage car insurance in Oregon
On average, premiums for full coverage car insurance in Oregon cost $1,678 per year 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.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
Calculate the cost of car insurance in Oregon
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
This means that residents in higher-risk neighborhoods in Oregon have to bear greater financial burdens than those in areas with lower risks.
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 ( Full - 100/300/100)
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Estimate car insurance in Oregon by car model
Car insurers in Oregon use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
See how much you’ll pay for car insurance for your specific 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
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Oregon, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, 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
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Oregon, a DUI conviction lead to increased rates and you may see a rate hike of up to 56% as insurers categorize you as a high-risk driver.
If you receive a speeding ticket in Oregon, be prepared for your car insurance rates to rise by up to 36% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 36% increase
- DUI conviction: 56% increase
- At-fault accident (bodily injury and property damage): 52% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
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.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
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
In Oregon, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Begin your search for the top car insurance policy in Oregon by getting quotes from multiple insurance providers and comparing them.
In the table below, see an overview of various car insurance companies in Oregon, along with their average 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 rates vary by city in Oregon for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
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.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
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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