Home Car insurance Car insurance calculator Oregon car insurance calculator Oregon car insurance calculator 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: January 8, 2026 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 drive in Oregon, you know how important it is to have the right car insurance – but finding a policy that fits your needs and budget isn’t always simple. That’s why we built the Oregon car insurance calculator: to help you quickly estimate costs and explore coverage options that work for you.Our calculator uses your vehicle’s make and model to estimate your average annual and monthly premiums in Oregon, making it easier to compare options and choose the coverage that’s right for you. How to use our car insurance calculator to estimate your rates in OregonOur calculator makes it easy to get a quick, personalized car insurance estimate. Just follow these simple steps to see your potential rates – and compare options – without the guesswork.Step 1: Choose the model year of your car.Step 2: Choose the make and model of your car.Step 3: Choose your state.Step 4: Click on the “Get My Rates” button to get a car insurance estimate.Step 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices. 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 MinimumNA* Liability coverage$1,051/year Full Coverage$2,323/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? 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 - + Note: 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 2021 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. Data last refreshed in 2025Powered by:Does your vehicle model affect car insurance rates in Oregon?Your car’s make and model play a major role in determining your insurance rates, along with other factors insurers use when setting premiums.For example, the average annual full coverage cost for a Honda Accord LX in Oregon is $2,270, while the average premium for a Honda CR-V is $1,893 – that’s a difference of $377 annually.How your car’s model year affects insurance rates in OregonIn Oregon, insurance premiums often change depending on the car’s model year. For instance, a 2023 Honda Accord LX costs an average of $4,034 year to insure, whereas the 2024 model costs $2,251 annually. Know the minimum insurance you need in OregonEvery state has specific car insurance requirements. In Oregon, you must carry at least the minimum liability coverage to drive legally, which generally includes:Bodily injury liability per person and per accidentProperty damage liabilityWhile these limits meet Oregon’s legal requirements, many drivers choose higher coverage for greater financial security after an accident. Failing to maintain the required insurance can lead to penalties such as fines, license suspension or vehicle impoundment. 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 How your car’s trim affects insurance rates in OregonYour car’s trim level plays a big role in determining your insurance premium. Insurers consider the vehicle’s value, repair costs, safety features and theft risk when setting rates. Higher trims with upgraded technology or powerful engines often have higher premiums since they’re more expensive to repair or replace.For example, a 2023 Honda Accord LX costs $4,034 per year to insure in Oregon, whereas the EX-L trim costs $3,602, a difference of $432 annually.Trims that include luxury upgrades, like a premium sound system, often cost more to insure because they raise the vehicle’s overall value. Similarly, performance-focused trims with larger engines may increase premiums due to a greater risk of accidents or speeding. You might find interesting Explore related topics Average car insurance cost in OregonCar insurance calculator for teens in OregonCheapest SR-22 insurance in OregonDo you need insurance to register a car in Oregon?How much car insurance costs in Oregon vs. WashingtonHow much is gap insurance in OregonLow-cost car insurance in OregonNon-owner auto insurance in Oregon: Which company has the cheapest rates?Oregon car insurance: Rates, state minimum requirements and best companiesThe best, cheapest car insurance in OregonBest and cheapest companies for home and auto bundles in OregonSee more What drivers pay for car insurance in OregonIn Oregon, the average cost of full coverage car insurance is $1,927 per year, or $161 per month. Your rate may be higher or lower depending on the coverage you choose.Below, you’ll find estimates for different coverage levels in Oregon, but keep in mind that factors like your vehicle, driving history, and other personal details can affect your final premium.Coverage levelAverage annual rateAverage monthly rateFull Coverage – 100/300/100 BI/PD – 500 Comp/Coll$1,927$161Liability Only – 50/100/50 BI/PD$775$65State Minimum BI/PD$715$60Non-Owners$676$56Powered by:Car insurance costs in Oregon by cityCar insurance rates in Oregon vary significantly depending on the city you live in. Factors like traffic congestion, accident frequency, weather conditions and crime rates all influence how much drivers pay for coverage. For instance, drivers in Gresham pay $2,484 annually for full coverage, while those in Halsey pay closer to $1,662 per year.Top 20 cities with cheapest car insurance rates in OregonCityAvg. Annual PremiumAvg. Monthly PremiumHalsey$1,662$138Crane$1,666$139Albany$1,667$139Brownsville$1,673$139Lebanon$1,685$140La Grande$1,693$141Harrisburg$1,697$141Cottage Grove$1,705$142Riley$1,706$142Ontario$1,707$142Nyssa$1,709$142Tangent$1,709$142Corvallis$1,711$143Monroe$1,711$143Baker City$1,717$143Gold Beach$1,718$143Roseburg North$1,718$143Brogan$1,721$143Drewsey$1,723$144Shedd$1,726$144Powered by:Top 20 cities with most expensive car insurance in rates OregonCityAvg. Annual PremiumAvg. Monthly PremiumGresham$2,484$207Fairview$2,467$206Troutdale$2,387$199Bridal Veil$2,381$198Portland$2,376$198Eagle Creek$2,368$197Damascus$2,363$197Molalla$2,288$191Mulino$2,288$191Clackamas$2,284$190Estacada$2,271$189Milwaukie$2,265$189Marylhurst$2,253$188Government Camp$2,246$187Happy Valley$2,239$187Boring$2,222$185Oregon City$2,215$185Sandy$2,215$185Oak Grove$2,214$184Colton$2,213$184Powered by:Estimate your Oregon car insurance cost with our calculatorOur Oregon car insurance calculator gives you a quick estimate based on factors like your location, vehicle, and model year. Enter a few details to see a personalized estimate in seconds. Actual quotes can differ, so it’s smart to compare offers from multiple insurers to find your best rate. Looking to simplify insurance cost estimation? Try our calculators: Monthly car insurance calculator Full coverage car insurance calculator State minimum car insurance calculator Blood alcohol content (BAC) calculator Liability coverage car insurance calculator Car insurance calculator for adults Car insurance calculator for young adults Car insurance calculator for teens Car insurance calculator for seniors California car insurance calculator Texas car insurance calculator Auto Insurance Advisor Find ratings for top insurance companies Car insurance estimate by model 2026 How much used car insurance costs: Most and least expensive models to insure Car insurance calculator: Use our tool to estimate your auto premiums 1/1 How 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/YearWashington, D.C.$3,394/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. 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