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 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.
- 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 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.
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 policies are the most affordable option and provide the minimum coverage required in Oregon. However, they don’t offer much 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.
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’s car insurance laws require a minimum coverage of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident and $20,000 in property damage liability.
The state minimum coverage in Oregon costs $641 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 purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Oregon
According to CarInsurance.com data, liability-only car insurance costs $710 in Oregon for limits 50/100/50.
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
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.
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.
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
For 30 year old Male ( Liability - Minimum)
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, 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
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 get caught speeding in Oregon, your car insurance rates will increase by 36% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
Here’s a breakdown of how much your car insurance rate goes up in Oregon following 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, comparing quotes can still help you save 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.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
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
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Oregon
In Oregon, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Start your search for the best car insurance policy in Oregon by getting quotes from several insurers for comparison.
Below are the details of Oregon car insurance companies and their 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 priciest city in Oregon for car insurance, costing an average of $2,077 annually. On the other hand, Albany is the most affordable city, where drivers pay an average of $1,468 per year for car insurance.
Car insurance premiums differ across cities in Oregon and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
Find below the average annual car insurance cost for drivers in some of Oregon’s major cities.
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.
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
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.
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 March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 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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