- The average cost of car insurance in Oregon is $2,048 a year or $171 per month, based on our data analysis.
- Minimum liability coverage in Oregon costs around $767 annually for limits of 25/50/20, while liability-only coverage costs $850 per year for limits of 50/100/50.
- Progressive provides the most affordable annual rates for full coverage car insurance in Oregon, costing $1,539 per year.
- In Oregon, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 38%, a DUI raising rates by 49%, 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. Progressive offers the cheapest rates at $1,539 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?
CarInsurance.com data found that drivers in Oregon pay $171 monthly for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
See how rates change in Oregon based on driver profile:
- Teen drivers in Oregon pay the most — about $500 a month or $5,995 a year.
- Young drivers in their 20s pay an average of $251 monthly or $3,012 annually, for car insurance.
- Senior drivers pay around $164 monthly or $1,970 a year.
- A speeding ticket can increase your rates to $235 monthly or $2,823 annually.
- An at-fault accident increases car insurance rates to $259 a month or $3,110 a year.
- Poor credit drivers usually see their car insurance costs increase to $348 monthly or $4,174 annually.
Average cost of auto insurance in Oregon by coverage level
In Oregon, car insurance rates can differ depending on how much coverage you choose. Drivers in Oregon are required by law to have minimum insurance coverage limits of 25/50/20 to drive legally.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in Oregon, but it doesn’t offer adequate protection.
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 costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Oregon for different coverage levels.
| Coverage level | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $64 | $767 |
| Liability Only – 50/100/50 BI/PD | $71 | $850 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $171 | $2,048 |
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 coverage in Oregon costs $767 a year but doesn’t provide much protection for drivers. Oregon drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in Oregon must be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Oregon
Liability-only car insurance costs $850 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 $2,048 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 costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in Oregon pay more for premiums than those in lower-risk areas.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
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)
Speak with a friendly agent and get your quote in minutes!
Estimate car insurance in Oregon by car model
Oregon car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper 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
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 $1,992 annually.
Oregon drivers aged 16-19 pay $4,003 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 $5,995 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,908 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,992 per year in Oregon.
- For senior drivers: Drivers age 65 and older can expect to pay $1,970 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 49% 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 38% 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.
Here is how much your car insurance rate increases in Oregon after driving incidents:
- Speeding ticket: Up to 38% increase
- DUI conviction: 49% increase
- At-fault accident (bodily injury and property damage): 52% increase
But even with a traffic ticket, comparison shopping can save you money.
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
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.
Start your search for the best car insurance policy in Oregon by getting quotes from several insurers for comparison.
Below is a breakdown of car insurance companies in Oregon and their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Progressive | $644 | $739 | $1,539 |
| Travelers | $704 | $749 | $1,690 |
| Nationwide | $1,009 | $975 | $1,912 |
| GEICO | $572 | $689 | $2,041 |
| State Farm | $771 | $891 | $2,194 |
| Country Financial | $604 | $696 | $2,388 |
| Farmers | $1,089 | $1,254 | $2,655 |
Car insurance rates by city in Oregon
Gresham is the most expensive city in Oregon, with an average car insurance rate of $2,433 a year. Corvallis is the cheapest city for Oregon drivers at an average rate of $1,839 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?
The average cost of a full-coverage car insurance policy in Oregon costs $171 monthly for coverage limits of 100/300/100.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| Coverage level | Monthly rates |
|---|---|
| State Minimum BI/PD | $64 |
| Liability Only – 50/100/50 BI/PD | $71 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $171 |
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.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in Oregon.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed April 2026.
- USAA. “How credit affects insurance premiums.” Accessed April 2026.
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.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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