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

On average, teen drivers in Oregon pay $5,819 per year for coverage with limits of 100/300/100 – that’s $100,000 for one person’s injuries, $300,000 for all injuries in a single accident, and $100,000 for property damage – plus $500 deductibles for collision and comprehensive.

Teens face higher premiums than young adults or older drivers because they lack experience. Insurers see them as higher risk, which makes coverage more expensive.

Costs also vary depending on the coverage you choose, the type of car your teen drives, and your ZIP code. Families in Oregon can often save by using good student discounts, enrolling teens in driver training programs, or adding them to an existing family policy instead of buying separate coverage.

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.

Teen car insurance rates in Oregon, by gender

In most states, insurers set rates differently for male and female drivers, though California, Hawaii, Massachusetts, Michigan, North Carolina, and Pennsylvania prohibit this. In Oregon, a 16-year-old male pays around $8,277 per year, compared to $7,523 for a female – a difference of $754.

Crash data helps explain the gap. According to the Insurance Institute for Highway Safety, 3,048 teens ages 13-19 lost their lives in motor vehicle crashes in 2023, and two out of three were male. Because young men are more likely to be in serious accidents, insurers factor that risk into their rates.

The table below shows average teen car insurance rates in Oregon by gender.

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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 coverage requirements for teens in Oregon

In Oregon, teen drivers must meet the same minimum liability requirements as adults:

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

These limits are designed as a baseline, but they may not be enough to cover serious accidents. Many families choose higher limits for more protection when adding a teen driver.

If the car is financed or leased, comprehensive and collision coverage are also required. These cover damage to your own car from accidents, theft, or weather.

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 a teen to your policy will raise your rates at first, but those costs don’t stay high forever. With each year of safe driving, premiums generally go down.

You can lower expenses by comparing quotes, bundling policies, and asking about discounts. More importantly, insuring your teen isn’t just about following state rules – it’s about protecting your finances and giving your young driver a safe, confident start on the road.

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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