Car insurance costs in Oregon vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. Oregon Mutual offers the cheapest annual rates for full coverage car insurance in Oregon at $1,147 annually.
This comprehensive guide to buying car insurance for Oregon drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to learn how auto insurance in Oregon works and how much insurance you need.
- Oregon Mutual provides the most affordable annual rates for full coverage car insurance in Oregon, costing $1,147 per year.
- In Oregon, insurance costs are influenced by various factors, including coverage limits, age, location, make/model of your vehicle and your driving history.
- 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.
- 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 give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
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.
On the other hand, full coverage car insurance is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance 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
In Oregon, minimum car insurance requirements include $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident and $20,000 of 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 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.
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.
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.
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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.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
This means that residents in higher-risk neighborhoods in Oregon have to bear greater financial burdens than those in areas with lower risks.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
Oregon Car Insurance Rates by ZIP Code
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.
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.
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.
Car insurance for drivers aged 16-19 costs $4,188 more annually than Oregon 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.
Similarly, if you get a speeding ticket in Oregon, you’ll likely see an increase in your car insurance premium by up to 36% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company 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, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to individual needs.
Use the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and at-fault accidents.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| Nationwide | $1,847 |
| State Farm | $1,884 |
| Travelers | $1,964 |
| USAA | $1,999 |
| Progressive | $2,978 |
| Geico | $3,228 |
| Farmers | $4,231 |
| Allstate | $4,892 |
Learn more: The 10 most important factors that affect car insurance rates
Average car insurance cost in different states of U.S.
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via 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 is a breakdown of car insurance companies in Oregon and 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 Oregon’s most expensive city for car insurance at an average cost of $2,077 annually. Albany is the state’s least expensive city, with an average car insurance 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.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
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.
| Company Name | Insurance Rates |
|---|---|
| Oregon Mutual Insurance | $1,159 |
| USAA | $1,331 |
| Country Financial | $1,360 |
| Nationwide | $1,385 |
| Travelers | $1,410 |
| Geico | $1,636 |
| State Farm | $1,687 |
| Progressive | $1,822 |
| Farmers | $2,505 |
| Allstate | $3,216 |
How much does car insurance cost in Oregon per month?
The average cost of a full-coverage car insurance policy in Oregon costs $140 monthly for coverage limits of 100/300/100.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| 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
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Oregon.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2024.
- USAA. “How credit affects insurance premiums.” Accessed September 2024.
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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Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.