Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Oregon Average car insurance cost in Oregon The average premium for car insurance in Oregon is $1,678 per year or $140 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Prachi Singh Prachi Singh Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. Updated on: September 9, 2024 Why you can trust Insure.com Quality Verified 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. If you’re looking for car insurance rates in Oregon, the average annual premium is $1,678, per year or $140 monthly. This contrasts with the national average of $1,682, highlighting a variation of $217. Various elements influence car insurance rates, including age, gender, driving record, credit score, and location.This guide talks about the average cost of full coverage in the state, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in Oregon, and breaks down car insurance rates by age group. To save on your auto insurance expenses, it’s advisable to shop around and compare quotes. Keep reading to ensure that your insurance policy aligns with your needs without exceeding your budget.Summary of average car insurance cost in OregonAverage annual cost $1,678Average per month cost $140Average cost for state minimum coverage $641 / YearCheapest car insurance company Oregon Mutual Insurance($1,147 / Year)Average cost for young drivers $2,589 / YearAverage cost for Senior drivers $1,685 / Year Key Takeaways The average car insurance cost in Oregon is $1,678 per year, based on Insure.com’s analysis.In Oregon, the average premium for car insurance is $140 per month.Oregon Mutual Insurance has the cheapest car insurance rates in Oregon, at an average annual rate of $1,147 a year. Average car insurance cost in Oregon per monthIn Oregon, car insurance costs around $140 per month on average.It’s a common occurrence for the cost of the same coverage to vary among companies, which is true of every auto insurance company. Thus, when seeking car insurance rates in Oregon, it’s wise to obtain quotes from multiple firms.Cheapest car insurance companies in OregonAccording to Insure.com’s rate analysis, Oregon Mutual Insurance offers the most affordable car insurance premiums in Oregon. The average annual cost is $1,147, or $96 per month. The second-best option available is Travelers, offering insurance at an average cost of $110 per month.The table below lists the other available car insurance companies that offer car insurance in Oregon, along with their average cost per month and average annual cost.Company nameAverage per month costAverage annual costOregon Mutual Insurance$96$1,147Travelers$110$1,318Nationwide$118$1,411State Farm$125$1,502Country Financial$127$1,527Geico$140$1,683Progressive$147$1,765Farmers$184$2,210Allstate$245$2,945USAA$106$1,277Read our guide to cheap car insurance companies Oregon car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2023 Cylinders 4 Make & Model Acura - Integra State Oregon Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $2,044/Year OR $170/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 OregonCar insurance rates in Oregon are directly proportional to the amount of coverage you buy. Your premium is determined by factors such as your liability limits and your choice of comprehensive and collision coverage.Liability-only insurance protects against third-party property damage and personal injuries in an accident. However, relying solely on liability coverage would not cover your injuries or property damage if you are considered at fault in a collision. Liability-only insurance for a coverage limit of 50/100/50 costs $710 per year in Oregon.As mentioned earlier, increasing the coverage on your policy leads to a rise in your premium, as the insurer will need to provide compensation in case of accidents or other damages. The average annual cost of full coverage car insurance in Oregon amounts to $1,678 per year.If you don’t own a car but frequently rent one, non-owner state minimum liability coverage is the most suitable option. Similar to liability-only coverage, it protects property damage and bodily injury caused by another driver. In Oregon, the average annual cost for non-owner state minimum liability coverage is $441.For individuals seeking to reduce their car insurance expenses, selecting only the state minimum liability coverage is an option to ensure legal driving privileges within the state. This coverage, which includes only the minimum liability requirements, carries an annual cost of $641 in Oregon.Coverage limitsAverage annual costState Minimum BI/PD$641Liability Only – 50/100/50 BI/PD$710Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll$1,678Non-Owners$441Auto 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 cityEugeneGreshamHillsboroPortlandSalemAverage car insurance cost in Oregon by citySeveral factors contribute to determining your car insurance premium, including your state, city, and even ZIP code. The frequency of accidents and the likelihood of vehicle theft or vandalism can impact the overall cost associated with a particular city or ZIP code.The table below depicts the top popular cities in Oregon:CityAverage annual costBeaverton$1,821Bend$1,542Corvallis$1,487Eugene$1,487Gresham$2,077Hillsboro$1,757Medford$1,512Portland$2,033Salem$1,736Springfield$1,501Average car insurance cost in Oregon by age of the driverAge plays a significant role in determining auto insurance rates. Teenagers have a higher chance of being involved in a car accident compared to any other age group. In Oregon, the average annual rate for young drivers is $2,589, whereas for seniors, it is $1,685. The rate for young drivers exceeds that of senior drivers by $904.Statistics show that young drivers are more likely to be involved in vehicle accidents than more seasoned drivers. As a result, they are classified as high-risk individuals and are more expensive to insure. This classification is primarily due to tendencies such as speeding and limited on-road experience. However, premiums begin to increase again around the age of 70, as certain aspects of aging may impact driving capabilities.Average car insurance cost in Oregon for young driversIn Oregon, the auto insurance premium for female young drivers averages at $2,502 annually, or $208 monthly, while male young drivers face a yearly rate of $2,677, or a monthly average of $223.The average annual rates for young male and female drivers are listed in the table below:Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$3,606$3,31021$2,830$2,60622$2,506$2,35423$2,305$2,18024$2,154$2,060Average car insurance cost in Oregon for senior driversIn Oregon, the annual car insurance cost for senior female drivers is $1,659 or $138 monthly. Similarly, male senior drivers face a yearly insurance cost of $1,710 per year, with a monthly average of $143.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,563$1,54670$1,669$1,63275$1,898$1,799Read more about senior car insurance.Minimum car insurance requirements in OregonEvery state establishes laws regarding the minimum car insurance coverage drivers must possess to lawfully drive a vehicle. As outlined by the Oregon Department of Insurance, the following are the mandatory coverages and minimum coverage limits mandated in Oregon:Bodily injury per person: $25,000Bodily injury per accident: $50,000Personal property coverage per person: $20,000Cheapest cars to insure in OregonThe Mazda CX-30 has the most affordable average annual insurance premium, standing at $1,594. The Honda HR-V is followed closely at $1,605 per year. The difference in the cost of insuring these two models is $11 annually.MakeModelAverage annual premiumMazdaCX-30$1,594HondaHR-V$1,605SubaruForester$1,606ChevroletTrailBlazer$1,621KiaSeltos$1,625VolkswagenTiguan$1,634HondaCR-V$1,635SubaruOutback$1,660MazdaCX-5$1,662VolkswagenTaos$1,685Most expensive cars to insure in OregonThe Maserati Quattroporte Trofeo, at an average annual premium of $6,129, tops the list as the most expensive car to insure. However, the difference between the cheapest and most expensive cars to insure is $4,535 annually.MakeModelAverage annual premiumMaseratiQuattroporte Trofeo$6,129MaseratiQuattroporte$6,095MaseratiGhibli Trofeo$5,886AudiR8 Performance$5,414MaseratiGhibli$5,082MaseratiLevante Trofeo$4,761BMWM8$4,750AudiS8$4,340Porsche911 Carrera GT3 RS$4,297MercedesS Class$4,276MethodologyThe Insure.com team worked with Quadrant Information Service to obtain car insurance data. To determine the average premiums, our team of data analysts and expert editors analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.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 a full coverage policy with limits:The quoted insurance rates are for comparison purposes, and your individual rates may vary.How much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIdaho$1,428/YearIllinois$1,532/YearIndiana$1,515/YearKansas$1,900/YearKentucky$2,228/YearLouisiana$2,883/YearMassachusetts$1,726/YearMaryland$1,746/YearMaine$1,175/YearMichigan$2,352/YearMinnesota$1,911/YearMissouri$1,982/YearMississippi$2,008/YearMontana$2,193/YearNorth Carolina$1,741/YearNorth Dakota$1,665/YearNebraska$1,902/YearNew Hampshire$1,265/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOklahoma$2,138/YearPennsylvania$1,872/YearRhode Island$2,061/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTennessee$1,677/YearTexas$2,043/YearUtah$1,825/YearVirginia$1,469/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more Explore other insurance options in Oregon Non-owner auto insurance in Oregon Best renters insurance in Oregon Average homeowners insurance cost in Oregon Prachi SinghContributing Researcher . .Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2024 What is full coverage car insurance? How much does car insurance cost for seniors in 2024? A complete guide to adding a teenager to your car insurance policy in 2024 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in Oregon per monthCheapest 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 age of the driverMinimum car insurance requirements in OregonCheapest cars to insure in OregonMost expensive cars to insure in OregonMethodology ZIP Code Please enter valid ZIP See rates