In Oregon, the average annual cost for full coverage car insurance is $1,404, while minimum coverage averages $806. These rates are $108 and $211 more expensive, respectively, than the national average.
Average Cost of Car Insurance in Oregon
Updated: December 20, 2024
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Key Takeaways
Drivers in Oregon pay about 8.3% more for full coverage car insurance than the national average.
Beaver State residents pay 35.4% more for minimum coverage than the national average.
The average cost of car insurance in Oregon is $806 for minimum coverage and $1,404 for full coverage, making it a moderately priced state for insurance.
How Much Is Car Insurance in Oregon?
| Full Coverage | $1,404 | $1,296 | 8% |
| State Minimum Liability Only | $806 | $595 | 35% |
Read More: Average Cost of Car Insurance
Oregon Car Insurance Rates by Coverage Level
Your choice of coverage level changes your car insurance rate in Oregon. Adding more protection or full coverage ups your rate, but a bigger deductible can make your premium cheaper. Below, see the average rates for minimum and full coverage in the Beaver State with different deductibles and liability limits.
| 300/500/300 | Full Coverage | $1,532 | $1,500 |
| 300/500/300 | Full Coverage | $1,501 | $500 |
| 300/500/300 | Full Coverage | $1,480 | $1,000 |
| 100/300/100 | Full Coverage | $1,456 | $1,500 |
| 100/300/100 | Full Coverage | $1,424 | $0 |
| 100/300/100 | Full Coverage | $1,404 | $1,000 |
| State Minimum | Full Coverage | $1,331 | $1,500 |
| State Minimum | Full Coverage | $1,299 | $500 |
| State Minimum | Full Coverage | $1,279 | $1,000 |
| 300/500/300 | Liability Only | $1,179 | $0 |
| 100/300/100 | Liability Only | $1,004 | $0 |
| State Minimum | Liability Only | $806 | $0 |
Read More: Liability vs. Full Coverage Car Insurance
Average Oregon Car Insurance Cost by City
Car insurance costs in Oregon can change due to crime, traffic and even weather. For instance, Portland's annual full coverage averages $1,560, while Eugene's is $1,044. Compare these to Salem's $1,239 to see the variety. Check the table below for a detailed look at how other Oregon cities compare against the state average.
| Eugene | $1,044 | -45% | $619 | -43% |
| Gresham | $1,501 | -21% | $921 | -16% |
| Hillsboro | $1,274 | -33% | $788 | -28% |
| Portland | $1,560 | -18% | $953 | -13% |
| Salem | $1,239 | -35% | $752 | -31% |
Average Oregon Car Insurance Cost by Age
In Oregon, your age can change how much you pay for car insurance. Younger drivers often pay more because they're seen as riskier. On average, 25-year-olds pay 14% more for full coverage and 10% more for the state minimum than 40-year-olds. They also spend 18% and 10% more, respectively, than 65-year-olds.
| 25 | $1,603 | $884 |
| 40 | $1,404 | $806 |
| 65 | $1,358 | $803 |
While age often changes car insurance prices, in California, Massachusetts and Hawaii, it doesn't.
Car Insurance Costs in Oregon for Young Drivers by Gender
In Oregon, young drivers face higher car insurance costs due to more accidents. On average, drivers aged 18 to 25 pay $1461 per year when added to a family policy, which is 38% less than an individual policy at $2010. Gender also plays a role, with females paying an average of $1957 annually, less than males who pay $2064. Below, you'll find the average costs for individual and family policies for young Oregon drivers, detailed by gender.
Car Insurance Costs in Oregon for Young Females
In Oregon, adding an 18-year-old female to a family car insurance policy averages $1,500. If she chooses an individual policy, the cost jumps to $3,625, more than double the family plan rate.
| 18 | $3,625 | $1,500 | -59% |
| 19 | $2,491 | $1,744 | -30% |
| 20 | $2,231 | $1,565 | -30% |
| 21 | $1,672 | $1,195 | -29% |
| 22 | $1,578 | $1,514 | -4% |
| 23 | $1,454 | $1,395 | -4% |
| 24 | $1,378 | $1,323 | -4% |
| 25 | $1,230 | $1,201 | -2% |
Car Insurance Costs in Oregon for Young Males
An 18-year-old male driver in Oregon typically pays $3,922 annually for full coverage on an individual policy. However, joining a family policy can slash this cost to $1,653, offering a substantial 58% yearly savings.
| 18 | $3,922 | $1,653 | -58% |
| 19 | $2,665 | $1,862 | -30% |
| 20 | $2,397 | $1,677 | -30% |
| 21 | $1,776 | $1,267 | -29% |
| 22 | $1,639 | $1,558 | -5% |
| 23 | $1,504 | $1,423 | -5% |
| 24 | $1,411 | $1,335 | -5% |
| 25 | $1,195 | $1,167 | -2% |
Average Oregon Car Insurance Cost by Driving Record
In Oregon, traffic offenses could raise your car insurance by 2.72% to 5.08% compared to state averages or down by 8.72%. We've compared rates for drivers with at-fault accidents, DUIs and tickets to those with a clean slate.
| At-Fault Accident | $1,960 | 3% | $1,097 | 0% |
| DUI | $2,005 | 5% | $1,128 | 3% |
| Ticket | $1,742 | -9% | $976 | -11% |
Read More: High-Risk Car Insurance in Oregon
Average Oregon Car Insurance Cost by Credit Score
Your credit-based insurance score may affect car insurance rates in Oregon. Drivers with excellent credit may pay around $949 for full coverage each year, while those with poor credit could pay about $1,898.
| Excellent | $949 | -50% | $444 | -59% |
| Good | $1,129 | -41% | $527 | -52% |
| Fair | $1,381 | -28% | $646 | -41% |
| Below Fair | $1,582 | -17% | $740 | -33% |
| Poor | $1,898 | -1% | $879 | -20% |
CREDIT SCORES AND YOUR PREMIUM
A solid credit score, typically between 670 and 739, signifies financial stability and may result in lower insurance premiums for Oregon drivers. However, states like Hawaii, Massachusetts, Maryland, California and Michigan do not allow credit-based insurance scores for pricing. In North Carolina, Oregon, Washington, Utah and Nevada, credit scores are considered only under certain conditions.
Average Oregon Car Insurance Cost by Company
Car insurance premiums can differ from one company to another, even in the same state. In Oregon, Kemper leads with the most affordable average annual full coverage premium at $776. On the flip side, Dairyland's premium is $3,280, standing above the state's average, showing a significant range in what Oregonians might pay.
| Kemper | $776 | $480 |
| Travelers | $963 | $536 |
| American Family | $969 | $663 |
| Progressive | $1,174 | $620 |
| State Farm | $1,209 | $586 |
| Nationwide | $1,216 | $733 |
| Capital Insurance Group | $1,239 | $638 |
| Country Financial | $1,247 | $616 |
| GEICO | $1,264 | $629 |
| Farmers | $1,374 | $788 |
| Allstate | $2,128 | $1,275 |
| Dairyland | $3,280 | $2,105 |
Read More: Cheapest Car Insurance Companies in Oregon
Average Oregon Car Insurance Cost by Vehicle Age
In Oregon, newer cars often cost more to insure, with a full coverage annual premium averaging $1,282. This is compared to $1,152 for a 10-year-old model, reflecting the higher value and risk.
| 10-Year-Old Vehicle | $1,152 | $665 |
| New Model Vehicle | $1,282 | $617 |
ACTUAL CASH VALUE
The actual cash value (ACV) of your car is the value the insurer assigns to it right before any damage. For comprehensive or collision claims, the ACV helps determine the maximum your insurance will pay for repairs or replacement minus the deductible. This ensures the claim aligns with the car's fair market value.
Read More: Used Car Insurance
Oregon Car Insurance Rates Explained
In Oregon, car insurance rates often align with or are more affordable than the national average. Factors like your credit-based insurance score, driving record and car model can affect your premiums for full coverage and state minimum insurance.
Is Car Insurance Expensive in Oregon?
Car insurance in Beaver State is somewhat affordable. The average full coverage cost is $117 monthly, 8.3% higher than the national average for similar coverage.
Read More: Why Car Insurance is So Expensive
Car Insurance Costs in Oregon vs. National Average
National Average Cost
Full Coverage Car Insurance
$108
Oregon Average Cost
Full Coverage Car Insurance
$117OR Car Insurance Is Expensive:$9 more
This is 8% more expensive.
Why Are Car Insurance Rates Expensive in Oregon?
Oregon's car insurance rates are high due to dense populations, urban living costs and strict laws. Frequent storms and severe winters also lead to more insurance claims, raising prices for residents. Comparing rates is key to finding affordable plans.
Read More: Car Insurance Rates by State
Estimating Your Car Insurance Costs in Oregon
While average rates reflect Oregon's overall demographic, legal and economic factors, car insurance costs depend on your details. Key factors include your driving record, car model and coverage choices.
Driving Record
Safe driving reduces your risk profile, leading to lower premiums. Avoid traffic violations and accidents to keep your driving record spotless.
Age and Gender
Younger drivers and males typically face higher rates. Opt for defensive driving courses and shop around for age-specific discounts.
Credit History
Insurers consider credit scores when determining rates. Improve your credit by paying bills on time and reducing debt.
Vehicle Type
Insurance costs vary by vehicle. Choose models with high safety ratings and low theft rates to secure more affordable premiums.
Location Within Oregon
Living in areas with low crime and accident rates can reduce insurance costs. Consider this when choosing your home.
Coverage Level
Balance your need for protection with the cost of insurance. High deductibles can lower premiums but increase out-of-pocket costs in a claim.
Marital Status
Married individuals often receive low rates. If you're married, ensure your insurer has this information.
State Law
Oregon law requires certain coverages. Familiarize yourself with these requirements to ensure you're not overinsured or underinsured.
Read More: Oregon Car Insurance Calculator
Minimum Car Insurance in Oregon
In Oregon, the average cost for state minimum car insurance is $806, higher than the national average of $595. This minimum coverage is more affordable than full coverage but still exceeds the national rate.
Oregon Car Insurance Requirements
In Oregon, drivers must have minimum coverage auto insurance. This includes $25,000 for bodily injury per person, $50,000 per accident and $20,000 for property damage. You also need $25,000 per person and $50,000 per accident in uninsured motorist coverage, plus $15,000 in personal injury protection.
Liability Limits | Description |
|---|---|
$25,000 for bodily injury liability per person | Bodily injury liability per person covers injuries you cause to others in an accident |
$50,000 for bodily injury liability per accident | Bodily injury liability per accident ensures coverage for multiple injuries in a single incident |
$20,000 for property damage liability per accident | Property damage liability per accident to cover damages to another person's property |
$25,000 uninsured motorist bodily injury per person | Uninsured motorist coverage protects you if you're hit by an uninsured driver |
$50,000 uninsured motorist bodily injury per accident | Uninsured motorist bodily injury per accident to cover injuries if an uninsured driver is at fault |
$15,000 personal injury protection per person | Personal injury protection per person to cover medical expenses, regardless of who is at fault |
How to Lower Car Insurance Costs in Oregon
To save on car insurance in Beaver State, compare rates, raise deductibles and search for discounts.
- 1
Compare Multiple Quotes
Researching multiple insurance providers can help you find affordable car insurance, potentially saving you hundreds of dollars annually.
- 2
Lower Your Risk Profile
Improving your credit score or maintaining a clean driving record without at-fault accidents or moving violations can significantly lower premiums, as insurers perceive you as a lower risk.
- 3
Adjust Your Coverage
Review your coverage needs to ensure you're paying only for necessary coverage. Increase deductibles if you can afford it, and consider usage-based policies if you drive less to reduce costs.
- 4
Ask for Discounts
Inquire about discounts for safe driving, good grades, anti-theft devices, completing a state-approved defensive driving course and bundling to achieve lower premiums.
- 5
Consider the Car You Drive
Driving a vehicle that's cheaper to insure, such as one with excellent safety ratings and lower theft rates, can help reduce insurance costs.
Read More: How to Reduce Your Car Insurance Costs
Auto Insurance Rates in Oregon: Bottom Line
In Oregon, the average cost for full coverage car insurance is $1,404 a year, a bit more than the national average of $1,296. Your driving history, the car you drive and other factors can change your rate. Overall, Oregon ranks as moderately expensive for car insurance.
Oregon Car Insurance Rates: FAQ
Discover what affects car insurance costs in Oregon. Learn tips for finding affordable rates by comparing quotes and considering state minimum coverage.
What are the minimum car insurance requirements in Oregon?
In Oregon, the minimum car insurance requirements include $25,000 for bodily injury liability per person, $50,000 per accident and $20,000 for property damage liability. Additionally, drivers must carry uninsured motorist coverage of $25,000 per person and $50,000 per accident and personal injury protection of $15,000.
What is the average cost of full coverage and minimum coverage auto insurance in Oregon?
The average cost of full coverage auto insurance in Oregon is $1,404, slightly above the national average of $1,296. For state minimum coverage, Oregon drivers can expect to pay an average of $806 annually, surpassing the national average of $595.
What is the average cost of car insurance for a 25-year-old in Oregon?
The average cost for full coverage car insurance for a 25-year-old in Oregon is $1,603, while the average for state minimum coverage is $884.
What are the cheapest car insurance companies in Oregon?
In Oregon, Kemper is the most affordable car insurance provider in Oregon, offering full coverage at an annual premium of $776 and minimum coverage at $480.
Oregon Auto Insurance Cost: How We Determine Average Rates
We used a sample driver profile with the following attributes to determine average car insurance rates in Oregon:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
We modified this driver profile by age, vehicle, credit score and driving record to determine averages for different driver profiles and needs.
Coverage Levels and Deductibles
Unless otherwise noted, average rates on this page are for a full coverage policy with comprehensive and collision coverage, a $1,000 deductible for each and the following liability limits (100/300/100):
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability per accident
When minimum coverage is specified, we used the following minimum liability-only limits as mandated by Oregon:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $20,000 for property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
- $15,000 personal injury protection (PIP) per person
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.