Home 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. | 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 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 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 moreAverage renters insurance cost in Oregon by companyAccording 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 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 levelAs 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$31Average cost of renters insurance in Oregon by cityRenters 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 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 OregonThe 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 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 Oregon97480 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 rate97480Swisshome$309$2697439Dunes City$308$2697493Westlake$308$2697492Westfir$308$2697463Oakridge$308$2697413Blue River$308$2697453Mapleton$307$2697434Dorena$307$2697454Marcola$307$2697488Vida$306$26Final thoughts: Average renters insurance in OregonRenters 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 statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/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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