Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Oregon Average car insurance cost in Oregon The average premium for car insurance in Oregon is $1,678 per year or $140 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Prachi Singh Prachi Singh Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. | Updated on: December 31, 2024 Why you can trust Insure.com 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. 25 Years of insurance experience 57M Quotes reviewed 136 Insurance providers evaluated 34.5K ZIP codes analyzed If you want to secure auto insurance coverage in Oregon, know the associated costs. On average, premiums for car insurance in Oregon cost $1,678 per year or $140 monthly. While the national average is $1,895, highlighting a difference of $217.Various factors influence car insurance rates, including age, gender, driving history, credit score, and location. This guide covers the average cost of full coverage in the state, the factors impacting auto insurance rates, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in Oregon, and breaks down car insurance rates by age group.Shop around and compare quotes to save money on your auto insurance. Continue reading the guide to ensure your insurance policy meets your needs within your budget. Average annual cost $1,678 Average per month cost $140 Average cost for state minimum coverage $641 / Year Cheapest car insurance company Oregon Mutual Insurance($1,147 / Year) Average cost for young drivers $2,589 / Year Average cost for Senior drivers $1,685 / Year Key TakeawaysBased on Insure.com’s analysis, car insurance in Oregon costs $1,678 per year.Car insurance in Oregon costs $140 per month.Oregon Mutual Insurance has the cheapest car insurance rates in Oregon, at an average annual rate of $1,147 a year.Average car insurance cost in Oregon per monthIn Oregon, the average monthly rate for car insurance is $140.This cost can vary among insurers, which is true of every auto insurance company. When exploring car insurance options in Oregon, it’s advisable to obtain quotes from multiple companies.Cheapest car insurance companies in OregonAccording to Insure.com’s rate analysis, the most affordable provider of car insurance premiums in Oregon is Oregon Mutual Insurance, with an average annual cost of $1,147 and a monthly average of $96. Following closely is Travelers, providing coverage at an average monthly rate of $110.The following table lists additional car insurance companies operating in Oregon and their respective average monthly and annual costs. Affordable car insurance providers in Oregon Graph Table Company nameAverage per month costAverage annual costOregon Mutual Insurance$96$1,147Travelers$110$1,318Nationwide$118$1,411State Farm$125$1,502Country Financial$127$1,527Geico$140$1,683Progressive$147$1,765Farmers$184$2,210Allstate$245$2,945USAA$106$1,277 Read our guide to cheap car insurance companies Oregon car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2023 Cylinders 4 Make & Model Acura - Integra State Oregon Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $2,044/Year OR $170/month Oregon Get Quote Get Quote Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + *It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Average cost of car insurance by coverage levels in OregonThe extent of coverage you select determines car insurance costs in Oregon. Your liability limits and whether you opt for comprehensive, or collision coverage determine your premiums.Liability-only insurance protects against third-party property damage and personal injuries in accidents. However, in the event of a collision, having liability coverage alone would not extend to your injuries or personal property damage since you are responsible for the accident. For instance, with a 50/100/50 liability-only coverage limit, the average annual cost in Oregon amounts to $710.Expanding your policy to include more coverage results in a higher insurance premium. This is because the insurance provider is liable to compensate you for accidents or other damage. Consequently, the average annual cost of full coverage car insurance in Oregon stands at $1,678.Non-owner state minimum liability coverage is the most appropriate choice for individuals who do not own a vehicle but regularly rent one. Like liability-only coverage, it protects property damage and bodily injury inflicted upon another driver. In Oregon, the average annual cost for non-owner state minimum liability coverage stands at $441.Meanwhile, for those who wish to save money on car insurance premiums, selecting only the state minimum liability coverage enables legal driving within the state. The annual cost for state minimum liability coverage alone amounts to $641 in Oregon.1State minimum:$6412Liability only:$7103Full coverage:$1,6784Non-owners:$441Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Oregon by cityEugeneGreshamHillsboroPortlandSalemAverage car insurance cost in Oregon by citySeveral factors contribute to determining your car insurance premium, including your state, city, and even ZIP code. The frequency of accidents and the likelihood of vehicle theft or vandalism can impact the overall cost associated with a particular city or ZIP code.The table below depicts the top popular cities in Oregon:CityAverage annual costBeaverton$1,821Bend$1,542Corvallis$1,487Eugene$1,487Gresham$2,077Hillsboro$1,757Medford$1,512Portland$2,033Salem$1,736Springfield$1,501Average car insurance cost in Oregon by age of the driverAge plays a significant role in determining auto insurance rates. Teenagers have a higher chance of being involved in a car accident compared to any other age group. In Oregon, the average annual rate for young drivers is $2,589, whereas for seniors, it is $1,685. The rate for young drivers exceeds that of senior drivers by $904.Statistics show that young drivers are more likely to be involved in vehicle accidents than more seasoned drivers. As a result, they are classified as high-risk individuals and are more expensive to insure. This classification is primarily due to tendencies such as speeding and limited on-road experience. However, premiums begin to increase again around the age of 70, as certain aspects of aging may impact driving capabilities.Average car insurance cost in Oregon for young driversIn Oregon, the auto insurance premium for female young drivers averages at $2,502 annually, or $208 monthly, while male young drivers face a yearly rate of $2,677, or a monthly average of $223. The average annual rates for young male and female drivers are listed in the table below: Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 20 $3,606 $3,310 21 $2,830 $2,606 22 $2,506 $2,354 23 $2,305 $2,180 24 $2,154 $2,060 Average car insurance cost in Oregon for senior driversIn Oregon, the annual car insurance cost for senior female drivers is $1,659 or $138 monthly. Similarly, male senior drivers face a yearly insurance cost of $1,710 per year, with a monthly average of $143. Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 65 $1,563 $1,546 70 $1,669 $1,632 75 $1,898 $1,799 Read more about senior car insuranceMinimum car insurance requirements in OregonEvery state establishes its own regulations concerning the minimum car insurance coverage drivers must possess to legally operate a vehicle. As per information given by the Oregon Department of Insurance, the following outlines the mandatory coverages and minimum coverage limits in Oregon:Bodily injury per person: $25,000Bodily injury per accident: $50,000Personal property coverage per person: $20,000Cheapest cars to insure in OregonThe Mazda CX-30 has the lowest average annual insurance premium, at $1,594, with the Honda HR-V closely following at $1,605. Annually, the insurance cost difference between these two models amounts to $11.MakeModelAverage annual premiumMazdaCX-30$1,594HondaHR-V$1,605SubaruForester$1,606ChevroletTrailBlazer$1,621KiaSeltos$1,625VolkswagenTiguan$1,634HondaCR-V$1,635SubaruOutback$1,660MazdaCX-5$1,662VolkswagenTaos$1,685Most expensive cars to insure in OregonThe most expensive car to insure on the list is the Maserati Quattroporte Trofeo, which has an average annual premium of $6,129. However, the difference between the cheapest and most expensive cars to insure is $4,535 annually.MakeModelAverage annual premiumMaseratiQuattroporte Trofeo$6,129MaseratiQuattroporte$6,095MaseratiGhibli Trofeo$5,886AudiR8 Performance$5,414MaseratiGhibli$5,082MaseratiLevante Trofeo$4,761BMWM8$4,750AudiS8$4,340Porsche911 Carrera GT3 RS$4,297MercedesS Class$4,276MethodologyThe Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:The quoted insurance rates are for comparison purposes, and your individual rates may vary.57MQuotes reviewed136No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIdaho$1,428/YearIllinois$1,532/YearIndiana$1,515/YearKansas$1,900/YearKentucky$2,228/YearLouisiana$2,883/YearMassachusetts$1,726/YearMaryland$1,746/YearMaine$1,175/YearMichigan$2,352/YearMinnesota$1,911/YearMissouri$1,982/YearMississippi$2,008/YearMontana$2,193/YearNorth Carolina$1,741/YearNorth Dakota$1,665/YearNebraska$1,902/YearNew Hampshire$1,265/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOklahoma$2,138/YearPennsylvania$1,872/YearRhode Island$2,061/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTennessee$1,677/YearTexas$2,043/YearUtah$1,825/YearVirginia$1,469/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more Explore other insurance options in Oregon Non-owner auto insurance in Oregon Best renters insurance in Oregon Average homeowners insurance cost in Oregon Prachi SinghContributing Researcher . .Prachi is an insurance writer with a master’s degree in business administration. 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in Oregon per monthCheapest car insurance companies in OregonAverage cost of car insurance by coverage levels in OregonAverage car insurance cost in Oregon by cityAverage car insurance cost in Oregon by age of the driverMinimum car insurance requirements in OregonCheapest cars to insure in OregonMost expensive cars to insure in OregonMethodology ZIP Code Please enter valid ZIP See rates