Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Oregon Average car insurance cost in Oregon In Oregon, a full-coverage car insurance policy will cost you an average of $1,927 annually or $161 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: September 30, 2025 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed A full coverage car insurance policy costs around $1,927 a year or $161 per month for Oregon drivers. However, if you choose to get the state’s minimum liability coverage, you’ll pay $715 a year.Where you live plays a big role in what you pay for car insurance. Insurers factor in local accident rates, repair and medical costs, theft trends, and even weather risks when setting premiums. If you’re in a crowded city with high traffic or crime rates, you’ll typically pay more, whereas quieter rural areas usually come with lower premiums. But location isn’t everything – your age, driving history, credit score, ZIP code and even the type of car you drive also play a role in determining your final premium. Average annual cost $1,927 Average per month cost $161 Average cost for state minimum coverage $775 / Year Cheapest car insurance company Oregon Mutual Insurance($1,172 / Year) Average cost for young drivers $2,969 / Year Average cost for Senior drivers $1,881 / Year Average car insurance cost in Oregon If you’re a resident of Oregon, full coverage car insurance typically costs about $161 per month, adding up to $1,927 a year. Choosing the minimum required coverage can lower your monthly car insurance cost to $60, or $715 annually.The amount you pay for car insurance can vary widely based on factors such as your age, driving record, credit history, location, and the make and model of your vehicle.Cheapest car insurance companies in OregonIf you’re looking for affordable insurance, Oregon Mutual Insurance tops the list of the cheapest car insurance companies. Its average annual cost is $1,172 per year or $98 monthly for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.Travelers also provides affordable insurance rates in Oregon for a full coverage policy at an average annual insurance cost of $1,657 or $138 monthly.While these companies offer some of the lowest average premiums in Oregon, your actual rate will depend on factors unique to you. Comparing multiple quotes is the best way to find coverage that fits both your budget and needs. Affordable car insurance providers in Oregon Graph Table Company nameAverage per month costAverage annual costOregon Mutual Insurance$98$1,172Travelers$138$1,657Nationwide$153$1,836Country Financial$157$1,886GEICO$166$1,993State Farm$199$2,383Farmers$216$2,587Progressive$299$3,584USAA*$127$1,523*USAA is only available to military community members and their families.Powered by: Updated with latest data Oregon car insurance calculator Select Year Select Year20242023202220212020201920182017201620152014 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedes-AMGMercedes-BenzMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechIntegra Type SMDXMDX SH-AWDMDX SH-AWD A-SpecMDX SH-AWD AdvanceMDX SH-AWD TechnologyMDX SH-AWD Type SMDX SH-AWD Type S Advance PackageMDX TechnologyRDX SH-AWDRDX SH-AWD A-SpecRDX SH-AWD A-Spec AdvanceRDX SH-AWD AdvanceRDX SH-AWD TechnologyTLX 2.0T SH-AWD A-SpecTLX 2.0T TechnologyTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. Please select a different vehicle. Matching results for your car Filter Add more cars Year Select Year202420242023202220212020201920182017201620152014 State Select State Nationwide Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming State Minimum Coverage Select Low to High High to Low OR Liability Coverage Select Low to High High to Low OR Full Coverage Select Low to High High to Low Reset Apply Add a vehicle to Compare!!! No matches found for the selected filter options..!!! Year 2024 Cylinders 4 Make & Model Acura - Integra State Oregon Style 2WD 4 Door Hatchback Automatic Turbo Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage $1,051/Year OR $88/month Full Coverage $2,323/Year OR $194/month Oregon Get Quote Get Quote Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + *It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Average cost of car insurance by coverage levels in OregonThe cost of your car insurance also depends on the coverage levels you choose.If you opt for just the minimum coverage required by your state, you’ll pay $60 per month, or $715 per year. It’s a low-cost option, but keep in mind that it won’t pay for any repairs to your own car if you’re in an accident.For solid protection, full coverage might be the right choice. It includes liability coverage along with collision and comprehensive insurance. Collision coverage covers damage to your vehicle from accidents, irrespective of fault. Comprehensive coverage protects against non-collision events like theft, vandalism or weather events.In Oregon, the average cost for full coverage is $161 per month, or $1,927 per yearWhile it’s more than what you’d pay for minimum coverage, the added protection can be worth it, especially if your car is of significant value.Coverage limitsAverage annual costState minimum liability-only$715Liability only$775Full coverage$1,927Non-owner state minimum liability$676Powered by:Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Oregon by cityEugeneHillsboroPortland Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in Oregon by cityWhere you live in Oregon can have a big impact on your car insurance rates.If you’re located in cities like Gresham, Portland, or Beaverton, you may face higher premiums due to dense traffic, higher accident rates, and an increased chance of theft or damage.On the other hand, drivers in cities like Corvallis and Springfield tend to pay much lower insurance premiums, between $1,711 and $1,759 per year.These cities usually have fewer accidents, lower crime rates and less congestion, which helps keep insurance costs down.CityAverage annual costCorvallis$1,711Springfield$1,759Bend$1,766Eugene$1,767Medford$1,778Salem$2,008Hillsboro$2,063Beaverton$2,172Portland$2,376Gresham$2,484Powered by:Average car insurance cost in Oregon by ageAge plays a significant role in how insurers calculate car insurance costs. Young drivers usually pay more, as their inexperience on the road makes them a higher risk.Rates are often highest for teenagers, begin to decrease after 25, and then climb again once drivers are in their 70s.Let’s break down what you can expect to pay in Oregon for full coverage, depending on your age and gender.Average car insurance cost in Oregon for young driversAs a young driver, you’ll likely face higher-than-average insurance rates. Because of limited driving experience, insurers view young drivers as riskier, resulting in higher insurance rates until they gain more experience on the road.In Oregon, 20-year-old male drivers pay an average of $4,129 per year for car insurance, while their female counterparts pay $4,046 for the same coverage.However, by age 25, average car insurance costs drop to about $2,347 per year for male drivers and $2,139 for female drivers.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$4,129$4,04621$3,129$2,92922$2,841$2,56523$2,645$2,40124$2,512$2,292Powered by:Average car insurance cost in Oregon for adult driversAn adult driver aged 25-60 in Oregon pays $1,936 per year for full coverage, or $161 each month. Female drivers of the same age pay $1,881 annually or $157 monthly.Keep in mind that rates can vary depending on personal factors, so it’s always a good idea to compare quotes to get the best deal.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$2,347$2,13930$2,057$2,00035$1,982$1,95340$1,937$1,91645$1,872$1,86450$1,819$1,78855$1,730$1,70660$1,713$1,682Powered by:Average car insurance cost in Oregon for senior driversAs a senior driver, you may notice your car insurance rates increase with age. At 65, men pay $1,784 per year, and women pay $1,670.By age 70, those averages increase to $1,944 for men and $1,764 for women. At 75, premiums rise again, reaching $2,159 for male drivers and $1,937 for female drivers.Older drivers often face higher premiums because insurers view them as higher-risk due to slower reaction times and increased accident severity with age.Still, you can keep your premiums in check by driving safely and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,784$1,67070$1,944$1,76475$2,159$1,937Powered by:Minimum car insurance requirements in OregonWhether you’re purchasing a policy for the first time or relocating to Oregon, it’s important to understand the state’s liability coverage requirements.Drivers in Oregon must carry at least the following minimum coverage limits to stay compliant with the law:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $20,000Cheapest cars to insure in OregonInsurance premiums vary significantly depending on the type of vehicle you drive. Cars that are more expensive to repair, have higher theft rates, or are statistically involved in more accidents typically cost more to insure. On the other hand, vehicles with excellent safety ratings, affordable repair costs, and fewer claims history tend to have lower insurance premiums.Subaru Forester has the lowest premium, at an average of $1,887 a year, closely followed by Honda CR-V, with an average annual car insurance cost of $1,893.The table below shows the cheapest cars to insure and their average annual rates.Make ModelAverage annual premiumSubaru Forester$1,887Honda CR-V$1,893Mini Cooper Electric$1,893Honda HR-V$1,917Hyundai Venue$1,928Subaru Outback$1,939Chrysler Voyager$1,941Mazda CX-5$1,942Chevrolet Express$1,950Chevrolet TrailBlazer$1,958Powered by:Most expensive cars to insure in OregonMaserati Quattroporte stands out as the most expensive car to insure in Oregon, with an average annual cost of $7,049.The table below shows the most expensive vehicles to insure in Oregon along with their average annual insurance costs.Make ModelAverage annual premiumMaserati Quattroporte$7,049Maserati Ghibli$6,493Audi RS7$5,291BMW M8 Gran Coupe$5,283Nissan GT-R$5,181Audi S8$5,004Audi RS6$4,931BMW M8$4,912Audi RS Q8$4,808Maserati Levante$4,781Powered by:Car insurance rates can differ widely based on your location and driving profile. The best way to find the right coverage at the best price is to compare quotes from at least three insurance companies. Shopping around can help you save money on your car insurance premiums.MethodologyInsure.com commissioned Quadrant Information Service to get 2023 car insurance data. Our team of data analysts and expert editors has analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.We also collected average car insurance rates for drivers of different age groups:Young drivers aged 20-24Adult drivers aged 25-26Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in OregonCheapest car insurance companies in OregonAverage cost of car insurance by coverage levels in OregonAverage car insurance cost in Oregon by cityAverage car insurance cost in Oregon by ageMinimum car insurance requirements in OregonCheapest cars to insure in OregonMost expensive cars to insure in OregonMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330