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 GiteShivani GiteShivani 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.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onMarch 11, 2026 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 If you live in Oregon, you can expect to pay an average of around $161 per month for full coverage car insurance, or $1,927 per year. If you carry only your state’s minimum required liability coverage, your cost drops to about $60 monthly or $715 annually.Location plays a big role in what you pay for car insurance. Insurers calculate rates based on state-specific risk factors such as accident frequency, repair and medical costs, theft rates, and even weather-related risks. Urban areas with heavy traffic or higher crime rates tend to see higher premiums, while rural areas are often cheaper. Beyond location, your age, driving record, credit score, ZIP code, and the type of car you drive also affect your rate. 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 012345 1 of 6 Average car insurance cost in Oregon If you live in Oregon can expect to pay an average of $161 per month for full coverage car insurance – that’s $1,927 per year. If you opt for your state’s minimum required coverage, your insurance cost drops to $60 monthly or $715 annually. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.However, how much you actually pay for coverage can vary based on several factors, such as your age, driving history, credit score, ZIP code and the type of car you drive.Cheapest car insurance companies in OregonOregon Mutual Insurance provides the lowest full coverage rates, for an average cost of $1,172 per year or $98 monthly for a policy with 100/300/100 liability limits and $500 collision and comprehensive deductibles.Travelers also offers affordable insurance coverage to Oregon drivers at an average cost of $1,657 a year or $138 per month.Although these insurers offer some of the most affordable average rates in Oregon, your exact insurance cost may vary. Be sure to shop around and compare quotes to get the best deal on auto coverage. 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: *USAA is only available to military community members and their families.Powered by: Oregon car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra Oregon Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State Oregon Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State Minimum$909/year Liability coverage$1,200/year Full Coverage$2,582/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? Select 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 - + Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit. For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. 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 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2026Powered by:Average cost of car insurance by coverage levels in OregonYour car insurance premium is determined by the coverage limits you choose.If you purchase only the state’s minimum liability limits, you’ll pay $60 per month or $715 annually. While an affordable option, it only includes liability coverage. That means any damage to your own vehicle won’t be covered.If you’re looking for more robust protection, consider choosing full coverage car insurance. It includes liability coverage, plus collision and comprehensive insurance. Collision coverage covers damage to your vehicle in an accident, no matter who’s at fault. Comprehensive insurance covers theft, vandalism or weather-related damage to your car.In Oregon, drivers typically pay $161 per month or $1,927 annually for full coverage car insurance.Although it costs more than minimum coverage, full coverage can be a smart choice -particularly if you have a newer or financed vehicle.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 citySee rates in your 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 cityCar insurance rates can vary widely depending on where you live, even within Oregon.Cities like Gresham, Portland, or Beaverton tend to have higher premiums due to heavier traffic, more frequent accidents, and a greater risk of theft or damage.On the other hand, car insurance is generally more affordable in cities like Corvallis or Springfield, with average annual premiums between $1,711 and $1,759.This is largely because these cities have fewer accidents, less traffic, and lower rates of vehicle theft or vandalism.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 buying your first insurance policy or just moved to Oregon, it’s important to understand the state’s car insurance requirements.To stay on the right side of the law, drivers in Oregon must carry at least the following minimum liability coverage:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $20,000Cheapest cars to insure in OregonThe type of car you drive plays a significant role in determining your insurance premium. Vehicles with high repair expenses, theft rates or a history of accidents usually cost more to insure. On the other hand, those with high safety ratings, lower repair costs and fewer insurance claims tend to have more affordable rates.Subaru Forester is one of the cheapest cars to insure in Oregon, with an average premium of $1,887 per year. Honda CR-V has an average annual cost of $1,893.The table below shows the cars with the lowest average insurance 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 is one of the most expensive vehicles to insure in Oregon, with an average annual cost of $7,049.Below is a list of the costliest vehicles to insure in Oregon and their average premiums.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:Premiums vary based on where you live and your driving history. To make sure you’re getting the right coverage at a fair price, it’s important to compare quotes from different insurers. Shopping around can help you find coverage that fits your needs and budget.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers 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:Teen drivers aged 16-19Young drivers aged 20-24Adult drivers aged 25-60Senior 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 states No matches are found Shivani GiteContributing Writer | . .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. 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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