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Renters insurance costs in Oregon vary depending on various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in Oregon is $288 per year or $24 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ.

Key Takeaways

  • The average cost of renters insurance in Oregon is $288 per year or $24 per month.
  • State Farm provides the least expensive renters insurance in Oregon at an average rate of $180 annually.
  • Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Oregon.

Average renters insurance cost in Oregon per month

In Oregon, the average cost of renters insurance is $24 per month. However, the exact premiums may vary based on factors like your location, the value of your belongings, and the amount of coverage you choose. It’s always a good idea to compare quotes from multiple insurers to ensure you get the best deal.

Average renters ins cost per monthDifference compared to national average
$24$2 more

Average renters insurance cost in Oregon by company

According to our data, State Farm provides the most affordable renters insurance in Oregon, with an average annual rate of $180, followed by Allstate and Nationwide.

Getting quotes from multiple renters insurance companies in Oregon is a good idea, as prices can differ significantly among insurers.

Below, you can find average annual and monthly renters insurance rates from various companies in Oregon.

CompanyAverage annual rateAverage monthly rate
State Farm$180$15
Allstate$199$17
Nationwide$246$21
Oregon Mutual$271$23
American Family$278$23
Farmers$296$25
Mutual of Enumclaw$352$29
Country Financial$465$39

Renters insurance calculator in Oregon

$267/year
Estimated renters insurance rates in Oregon
$22
Monthly renters insurance cost in Oregon
8%
Compared to national average

Average cost of renters insurance in Oregon by coverage level

As we discussed above, the average cost of renters insurance in Oregon is $288 per year. These rates are for a coverage level of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible.

However, if you lower the personal property coverage from $40,000 to $20,000, you will pay $215 per year for renters insurance in Oregon, which provides $300,000 in liability protection with a $1000 deductible.

Below are the average renters insurance costs in Oregon for personal property coverage amounts of $20,000 and $40,000.

Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate
$20,000 with $500 Deductible and $100,000 Liability$212$18
$20,000 with $500 Deductible and $300,000 Liability$232$19
$20,000 with $1,000 Deductible and $100,000 Liability$195$16
$20,000 with $1,000 Deductible and $300,000 Liability$215$18
$40,000 with $500 Deductible and $100,000 Liability$291$24
$40,000 with $500 Deductible and $300,000 Liability$312$26
$40,000 with $1,000 Deductible and $100,000 Liability$267$22
$40,000 with $1,000 Deductible and $300,000 Liability$288$24
$60,000 with $500 Deductible and $100,000 Liability$376$31
$60,000 with $500 Deductible and $300,000 Liability$398$33
$60,000 with $1,000 Deductible and $100,000 Liability$345$29
$60,000 with $1,000 Deductible and $300,000 Liability$366$31

Average cost of renters insurance in Oregon by city

Renters insurance rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of Oregon.

Renters insurance rates vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below.

Renters insurance rates in Oregon by city

Average cost of renters insurance in Oregon by ZIP code

The cost of renters insurance in Oregon varies by ZIP code. It’s important to note that the affordability of renters insurance can differ significantly depending on your location.

To provide a more comprehensive overview, let’s see some of the most and least affordable ZIP codes for renters insurance in Oregon.

Most affordable ZIP codes for renters insurance in Oregon

The amount Oregon renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 97003 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $273.

Since rates differ by ZIP code, comparing quotes is one of the simplest ways to get the most affordable renters insurance policy in Oregon.

ZIP codeCityAverage annual rateAverage monthly rate
97003Beaverton$273$23
97006Aloha$274$23
97123Hillsboro$274$23
97008Beaverton$275$23
97133North Plains$275$23
97124Hillsboro$275$23
97005Beaverton$275$23
97341Depoe Bay$276$23
97391Toledo$276$23
97347Grand Ronde$276$23

Least affordable ZIP codes for renters insurance in Oregon

97480 is the most expensive ZIP code for renters insurance in Oregon, at an average cost of $309 annually or $26 monthly.

We’ve gathered and analyzed quotes from major insurance companies across all ZIP codes in Oregon. The table below shows the average annual renters insurance rates by ZIP code.

ZIP codeCityAverage annual rateAverage monthly rate
97480Swisshome$309$26
97439Dunes City$308$26
97493Westlake$308$26
97492Westfir$308$26
97463Oakridge$308$26
97413Blue River$308$26
97453Mapleton$307$26
97434Dorena$307$26
97454Marcola$307$26
97488Vida$306$26

Final thoughts: Average renters insurance in Oregon

Renters insurance is a must for Oregon renters. It protects personal belongings from damage caused by fire, theft, vandalism and natural disasters, giving renters confidence and peace of mind.

Finding the most affordable renters insurance requires shopping around and comparing quotes from multiple insurers. To make an informed choice, consider not just the price but also the coverage options, deductibles, and customer reviews.

How much is renters insurance in other states

Alaska$257/Year
Alabama$324/Year
Arkansas$363/Year
Arizona$260/Year
California$271/Year
Colorado$191/Year
Connecticut$292/Year
Delaware$181/Year
Florida$248/Year
Georgia$352/Year
Hawaii$247/Year
Iowa$203/Year
Idaho$184/Year
Illinois$246/Year
Indiana$269/Year
Kansas$251/Year
Kentucky$207/Year
Louisiana$504/Year
Massachusetts$262/Year
Maryland$256/Year
Maine$198/Year
Michigan$340/Year
Minnesota$211/Year
Missouri$231/Year
Mississippi$387/Year
Montana$275/Year
North Dakota$192/Year
Nebraska$295/Year
New Hampshire$173/Year
New Jersey$207/Year
New Mexico$201/Year
Nevada$246/Year
New York$293/Year
Ohio$252/Year
Oklahoma$281/Year
Pennsylvania$274/Year
Rhode Island$476/Year
South Dakota$202/Year
Tennessee$290/Year
Texas$226/Year
Utah$204/Year
Virginia$235/Year
Vermont$182/Year
Washington$222/Year
Wisconsin$167/Year
West Virginia$248/Year
Wyoming$136/Year
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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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