Car insurance calculator for teens in Oregon

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Car insurance for teens in Oregon costs more than it does for older drivers, but the price depends on factors like age, gender, coverage limits, and the insurer you choose. Knowing the state averages can help you budget, compare quotes, and figure out what’s realistic for your family.

Use our calculator to estimate what you might pay to insure your teen in Oregon. Getting a personalized estimate can help you budget with confidence, compare against state averages, and decide which coverage and insurer are the best fit.

Car insurance calculator for state teens

State

Oregon

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Gender

Male

Male Female Non-binary

Age

16

16171819

Coverage level Full coverage – 100/300/100 liability, $500 collision and $500 comprehensive deductibles. State minimum liability – Liability coverage limits vary by state, no coverage for physical damage to your vehicle. Liability only – 100/300/100 liability, no coverage for physical damage to your vehicle.

Full coverage

Full coverage State minimum liability Liability only

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Average annual rates for state teen drivers

$8,468 Average rate

$14,138 Highest
rate

$3,183 Lowest
rate

Most expensive companies for auto insurance in ()

Company	Average annual rate
Farmers	$14,138
Progressive	$13,142
Allstate	$13,134

Least expensive companies for auto insurance in ()

Company	Average annual rate
Country Financial	$3,183
State Farm	$5,640
USAA	$6,072

Average car insurance costs for teens in Oregon

Car insurance costs an average of $5,819 per year for teen drivers in Oregon with coverage limits of 100/300/100-that’s $100,000 for one person’s injuries, $300,000 for all injuries in an accident, and $100,000 for property damage-plus $500 deductibles for collision and comprehensive coverage.

Teen drivers face higher car insurance rates than young adults or older drivers because they lack experience on the road. Insurers see them as higher risk, which leads to steeper premiums.

Insurance rates in Oregon also vary based on the coverage limits you choose, the type of car you drive, and the ZIP code you live in. Oregon families can lower costs by taking advantage of good student discounts, enrolling teens in a driving program and adding teens to an existing family policy rather than buying a separate one.

Teen car insurance rates in Oregon, broken down by age

Car insurance costs for teens in Oregon vary depending on age. For instance, a full coverage car insurance policy for a 16-year-old in Oregon costs $7,904 per year. Once teens reach 19, the average cost falls to $4,045 annually.

Although these premiums are still much higher than those for adult drivers, the steady decline shows that coverage becomes more affordable as teens gain more experience driving.

Below you’ll find car insurance rates for teen drivers by age in Oregon.

Average teen car insurance costs in Oregon, by gender

In most states, car insurance rates differ by gender, though California, Hawaii, Massachusetts, Michigan, North Carolina, and Pennsylvania prohibit the practice. In Oregon, a 16-year-old male pays about $8,277 per year, compared to $7,523 for a female of the same age – a difference of $754.

According to the most recent data from the Insurance Institute for Highway Safety, a total of 3,048 teenagers ages 13-19 lost their lives in motor vehicle crashes in 2023, with two of every three teenagers who died in crashes in 2023 being males.

These crash trends help explain why teen boys usually face higher insurance costs than girls. Because young men are more likely to be in serious accidents, insurers factor that added risk into their rates.

The table below shows car insurance rates for teens by gender in Oregon.

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Cheapest teen car insurance companies in Oregon

Teen car insurance is expensive everywhere, but rates vary widely from one company to another. Shopping around is the best way to find the lowest price.

In Oregon, Country Financial offers the cheapest coverage for drivers ages 16-19, averaging $2,844 per year for full coverage with 100/300/100 limits and $500 deductibles.

The next lowest average premium comes from State Farm at $4,227.

The table below lists the cheapest insurers for teen drivers in Oregon.

Minimum car insurance requirements for teens in Oregon

In Oregon, teen drivers must carry the same minimum liability coverage as adults before getting behind the wheel. That includes:

• $25,000 in bodily injury liability per person
• $50,000 in bodily injury liability per accident
• $20,000 in property damage liability

State-minimum limits offer only basic protection, and the cost of medical care or vehicle repairs can easily exceed them. That’s why it’s wise to choose higher coverage limits-especially when adding a new teen driver to your policy.

If your car is financed or leased, your lender will require comprehensive and collision coverage. These protections help pay for repairs to your own vehicle after an accident, theft, or weather damage.

Smart ways to save on car insurance for your teen

There’s no avoiding the fact that insuring a teen driver costs more, but you can take steps to manage the expense while keeping them safe on the road:

• Check state averages. Knowing what families typically pay in your state gives you a ballpark figure to budget and compare against quotes.
• Choose the right car. A safe, reliable sedan is far cheaper to insure than a luxury or sports car.
• Consider full coverage. Liability is cheaper, but full coverage offers better protection against accidents, injuries, and costly repairs.
• Ask about discounts. Many insurers reward good grades, defensive driving courses, or low mileage with lower rates.
• Talk with your teen. Driving isn’t just freedom – it’s responsibility. Open conversations about risks and safety can encourage habits that save lives.
• Review your rates each year. Premiums usually drop as your teen gains experience and keeps a clean record, so it’s worth checking annually.

Helping your teen start off safely on the road

Adding your teen to your car insurance policy will raise your rates at first-but it won’t last forever. As they gain experience and prove themselves as safe drivers, premiums usually go down year by year.

You can ease the cost by comparing quotes, bundling policies, and asking about discounts. More importantly, insuring your teen isn’t just about following state rules. It’s about giving them a safe, confident start on the road while protecting your family financially.

Methodology

Insure.com analyzed rates collected from Quadrant Information Services for teen male and female drivers aged 16-19 for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.

To evaluate the premiums, our data experts compared rates 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes. The rates are for comparison purposes only; your exact rates may vary.

Shivani Gite

Contributing Writer

 

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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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