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 GiteShivani GiteShivani 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.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onMarch 3, 2026 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 your coverage level, insurance provider, and personal circumstances. On average, renters in Oregon pay $295 per year or $25 per month for a policy that includes $40,000 in personal property coverage, $300,000 in liability protection and a $1,000 deductible. Key Takeaways The average cost of renters insurance in Oregon is $295 per year or $25 per month.State Farm provides the least expensive renters insurance in Oregon at an average rate of $195 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 monthThe average cost of renters insurance in Oregon is $25 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.Average renters ins cost per monthDifference compared to national average$25$1 morePowered by:Average renters insurance cost in Oregon by companyRenters in Oregon can find the most budget-friendly insurance with State Farm, which has an average annual cost of $195, according to our data. Other affordable options include Nationwide and Oregon Mutual.It’s a good idea to gather quotes from at least three insurance providers, as each company calculates premiums differently.Below are the average annual and monthly renters insurance rates from various insurers in Oregon.CompanyAverage annual rateAverage monthly rateState Farm$195$16Nationwide$207$17Oregon Mutual$243$20Allstate$247$21American Family$303$25Farmers$312$26Mutual of Enumclaw$352$29Country Financial$467$39Powered by: 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 $273/year Estimated renters insurance rates in Oregon $23 Monthly renters insurance cost in Oregon 1% 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 $295 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 $221 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$217$18$20,000 with $500 Deductible and $300,000 Liability$239$20$20,000 with $1,000 Deductible and $100,000 Liability$200$17$20,000 with $1,000 Deductible and $300,000 Liability$221$18$40,000 with $500 Deductible and $100,000 Liability$297$25$40,000 with $500 Deductible and $300,000 Liability$320$27$40,000 with $1,000 Deductible and $100,000 Liability$273$23$40,000 with $1,000 Deductible and $300,000 Liability$295$25$60,000 with $500 Deductible and $100,000 Liability$384$32$60,000 with $500 Deductible and $300,000 Liability$407$34$60,000 with $1,000 Deductible and $100,000 Liability$353$29$60,000 with $1,000 Deductible and $300,000 Liability$376$31Powered by:Average 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 in Oregon by citySee rates in your cityEugeneHillsboroPortlandSalemAverage 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 $279.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$279$2397123Hillsboro$279$2397133North Plains$279$2397006Aloha$280$2397113Cornelius$280$2397106Banks$281$2397116Forest Grove$281$2397140Sherwood$281$2397117Gales Creek$282$2497119Gaston$282$23Powered by:Least affordable ZIP codes for renters insurance in OregonYour ZIP code, among other factors, affects how much you pay for renters insurance in Oregon. 97490 is the least affordable ZIP code for Oregon renters at an average cost of $316 a year or $26 monthly.We have analyzed quotes from the major insurance carriers across all the ZIP codes in Oregon. Below are the average annual renters insurance costs by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate97490Walton$316$2697492Westfir$316$2697439Florence$315$2697453Mapleton$315$2697463Oakridge$315$2697480Swisshome$315$2697493Westlake$315$2697413Blue River$314$2697412Blachly$313$2697409Alvadore$312$26Powered by: Final 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.Shivani GiteContributing Writer | . .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.How much is renters insurance in other statesAlaska$269/YearAlabama$390/YearArkansas$406/YearArizona$275/YearCalifornia$300/YearColorado$224/YearConnecticut$325/YearDelaware$207/YearFlorida$215/YearGeorgia$353/YearHawaii$252/YearIowa$216/YearIdaho$190/YearIllinois$294/YearIndiana$268/YearKansas$254/YearKentucky$209/YearLouisiana$579/YearMassachusetts$229/YearMaryland$251/YearMaine$211/YearMichigan$471/YearMinnesota$218/YearMissouri$249/YearMississippi$429/YearMontana$284/YearNorth Carolina$436/YearNorth Dakota$200/YearNebraska$314/YearNew Hampshire$160/YearNew Jersey$238/YearNew Mexico$195/YearNevada$263/YearNew York$328/YearOhio$255/YearOklahoma$299/YearPennsylvania$325/YearRhode Island$560/YearSouth Carolina$314/YearSouth Dakota$208/YearTennessee$309/YearTexas$223/YearUtah$246/YearVirginia$270/YearVermont$181/YearWashington$249/YearWisconsin$185/YearWest Virginia$244/YearWyoming$142/YearShow more states No matches are found You might find interesting Explore related topics Average homeowners insurance cost in OregonBest and cheapest homeowners insurance companies in OregonCost of Living in Oregon in 2025How much does condo insurance cost in Oregon in 2025? 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Most Americans don’t 1/1 Related Articles $400K home insurance cost calculator By Zack Sigel Cost of living by state By Chris Kissell Cost of living calculator By Nupur Gambhir How much do claims increase home insurance premiums? By Les Masterson How to file a successful mold claim By Chris Kissell Home and auto insurance bundle: Best companies and rates 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 codeFinal thoughts: Average renters insurance in Oregon ZIP Code Please enter valid ZIP See rates (844) 761-9316