Home Home insurance Renters insurance Renters insurance cost Best renters insurance in Oregon Best renters insurance in Oregon Discover the average cost of renters insurance in Oregon and how factors like location and coverage levels can impact your rate. 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. | Updated on: January 16, 2025 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. 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 monthIn Oregon, the average monthly cost of renters insurance is $24. However, premiums can differ depending on factors such as your rental’s location, the value of your personal belongings and the level of coverage you select. Experts recommend comparing quotes from different insurance companies to find the best deal.Average renters ins cost per monthDifference compared to national average$24$2 moreAverage renters insurance cost in Oregon by companyState Farm offers the most affordable renters insurance in Oregon at an average annual rate of $180, followed by Allstate and Nationwide, based on our data.However, you should get multiple quotes from various renters insurance companies in Oregon because the prices vary greatly among carriers.Below, we have compared the average annual and monthly renters insurance rates of insurance companies across Oregon.CompanyAverage annual rateAverage monthly rateState Farm$180$15Allstate$199$17Nationwide$246$21Oregon Mutual$271$23American Family$278$23Farmers$296$25Mutual of Enumclaw$352$29Country Financial$465$39 Renters insurance calculator in Oregon Select your state Oregon Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $267/year Estimated renters insurance rates in Oregon $22 Monthly renters insurance cost in Oregon 8% Compared to national average Get quotes Average cost of renters insurance in Oregon by coverage levelOn average, Oregon renters pay $288 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in Oregon to $199 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.Below are the average annual renters insurance costs in Oregon for personal property coverage 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$31Average cost of renters insurance in Oregon by cityRenters insurance premiums can differ significantly depending on the city. To help you find the best policy for your needs, we’ve compiled a breakdown of average costs by city. Explore the typical renters insurance rates across various locations in 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 cityEugeneGreshamHillsboroPortlandSalemAverage cost of renters insurance in Oregon by ZIP codeThe 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 OregonIn Oregon, your ZIP code plays a major role in determining your premiums. Based on our data, 97003 is the most affordable ZIP code for renters insurance, with an average annual cost of $273.Comparing quotes from multiple insurers in Oregon is a smart way to find the best renters insurance rates for your ZIP code.ZIP codeCityAverage annual rateAverage monthly rate97003Beaverton$273$2397006Aloha$274$2397123Hillsboro$274$2397008Beaverton$275$2397133North Plains$275$2397124Hillsboro$275$2397005Beaverton$275$2397341Depoe Bay$276$2397391Toledo$276$2397347Grand Ronde$276$23Least affordable ZIP codes for renters insurance in OregonAmong the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in Oregon is 97480, with an average cost of $309 a year or $26 monthly.We analyzed quotes from multiple insurance providers across every ZIP code in Oregon. Below, you’l find the average annual renters insurance premiums broken down by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate97480Swisshome$309$2697439Dunes City$308$2697493Westlake$308$2697492Westfir$308$2697463Oakridge$308$2697413Blue River$308$2697453Mapleton$307$2697434Dorena$307$2697454Marcola$307$2697488Vida$306$26Renters and auto bundle discounts in OregonBundling your renters and auto insurance policies is one of the easiest ways to lower your Oregon insurance rates.Bundling your policies can lead to an average annual savings of 4% in Oregon. We found that State Farm provides the most affordable rates for a renters and auto insurance bundle, allowing you to save up to 5% on your premiums each year.CompanyAverage annual rate$ bundle average savings% bundle average savingsState Farm$1,160$575%Nationwide$1,205$494%Travelers$1,364$715%American Family$1,488$554%Geico$1,500$443%Country Financial$1,666$402%Farmers$1,843$1377%Allstate$2,415$181%Progressive$2,531$1576%Final thoughts: Average renters insurance in OregonRenters insurance is essential for residents of Oregon. It safeguards possessions against damage from fire, theft, vandalism, and natural disasters, ensuring protection in unforeseen circumstances.To get the best renters insurance at an affordable price, shop around and compare quotes from various insurance carriers. In addition to insurance premiums, consider factors such as coverage options, deductibles, and customer reviews to make an informed decision.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearWashington, D.C.$272/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKansas$251/YearKentucky$207/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOklahoma$281/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more Explore other insurance options in Oregon Average homeowners insurance cost in Oregon Average car insurance cost in Oregon Non-owner auto insurance in Oregon Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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Most Americans don’t 1/1 Related Articles Hurricane insurance costs in Florida: What you should expect By Sarah Sharkey Guide to the insurance claims history report (CLUE) By Shivani Gite Guide to off-grid home insurance By Lena Borrelli Renters insurance: Compare quotes in 2025 By Prachi Singh How to find a homeowners insurance policy By Shivani Gite Mobile home insurance cost and coverage in 2025 By Chris Kissell On this page Average renters insurance cost in Oregon per monthAverage renters insurance cost in Oregon by companyAverage cost of renters insurance in Oregon by coverage levelAverage cost of renters insurance in Oregon by cityAverage cost of renters insurance in Oregon by ZIP codeRenters and auto bundle discounts in OregonFinal thoughts: Average renters insurance in Oregon ZIP Code Please enter valid ZIP See rates