Average Cost of Car Insurance in Oregon (2025)
Drivers in Oregon pay an average monthly rate of $127 for car insurance.
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Written byEmily Guy Birken
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Ganadora del Premio Plutus
Más de 12 años escribiendo sobre seguros y finanzas personales
Emily es ampliamente reconocida como una experta en finanzas personales y autora de varios libros sobre finanzas personales. Es una invitada habitual en medios de comunicación nacionales y regionales.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
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Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Table of contents
Drivers in Oregon pay an average monthly rate of $127 for car insurance, which is slightly cheaper than the national average rate of $151 per month.
Oregon drivers may earn lower average premiums for a few reasons. First, Oregon has low population density, ranking in the bottom 20% of states for population density. Oregon also doesn’t typically have much extreme weather, like tornadoes or hurricanes, that could lead to massive insurance claims.
That said, car insurance costs in Oregon have increased sharply in the last two years, following national trends. Here’s what Oregon drivers need to know to find cheap car insurance that meets their needs.
Quick Facts
The average monthly rate for minimum-coverage car insurance in Oregon is $97, and the average monthly rate for full-coverage car insurance is $157.
Oregon drivers pay an annual rate of $1,162 for liability coverage and $1,883 for full coverage.
Medford residents pay the lowest average rates in Oregon by city, while Portland drivers have the highest average rates.
How much is car insurance in Oregon?
Liability-only coverage in Oregon costs an average of $97 per month, which adds up to an annual rate of $1,162. A liability policy will meet the state’s minimum coverage requirements for bodily injury liability and property damage liability coverage.
Full-coverage insurance — which typically includes collision, comprehensive, and liability coverage — costs Oregon drivers an average monthly rate of $157, or an annual rate of $1,883.
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How Oregon car insurance rates have changed over the past two years
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To find car insurance rates in Oregon and the U.S. over the last two years, download our data here.
The average price for full-coverage car insurance in Oregon rose to $1,800 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain more expensive than in Oregon.
See how Oregon car insurance prices have changed over the past two years below.
Average Oregon Car Insurance Rates Over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Average Oregon car insurance rates by city
The average rate of insurance can vary widely from city to city, even within the same state. Factors like population density, crime rates, economic conditions, and weather patterns differ from one ZIP code to the next, which can affect the monthly rate residents pay for both full-coverage and state-minimum liability auto insurance.
For example, drivers in Portland pay higher insurance rates than drivers in any other major city in Oregon. Portland is the largest city in the state, with a dense population, heavy traffic, and higher crime rates than other Oregon cities.
Below, you can see average insurance quotes for Oregon cities.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Grants Pass | $81 | $131 |
| Redmond | $81 | $154 |
| Corvallis | $85 | $137 |
| Springfield | $86 | $131 |
| Medford | $86 | $127 |
| Eugene | $90 | $140 |
| Mcminnville | $106 | $146 |
| Salem | $118 | $181 |
| Beaverton | $126 | $188 |
| Portland | $131 | $191 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Car Insurance Requirements in Oregon (2025)
Average Oregon car insurance rates by age and gender
Your age and gender can affect the amount you pay for insurance. A young driver has less experience behind the wheel, which makes them more likely to get into a car accident than a more experienced driver. This is why a 16-year-old driver typically pays the highest rate of any demographic.
Gender can also make a difference in your annual rate because women are statistically less likely to cause car accidents than men.[1]
The table below outlines the average rates for Oregon drivers by age and gender:
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $229 | $377 |
| 18 | $199 | $328 |
| 20 | $134 | $221 |
| 25 | $120 | $198 |
| 30 | $106 | $174 |
| 40 | $96 | $158 |
| 50 | $84 | $139 |
| 60 | $75 | $125 |
| 70+ | $77 | $128 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $218 | $358 |
| 18 | $189 | $312 |
| 20 | $127 | $211 |
| 25 | $114 | $188 |
| 30 | $101 | $166 |
| 40 | $91 | $150 |
| 50 | $80 | $132 |
| 60 | $72 | $119 |
| 70+ | $74 | $122 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost to insure popular vehicles in Oregon
The five most popular vehicles in Oregon are the Toyota RAV4, the Ford F-Series, the Tesla Model Y, the Toyota Tacoma, and the Subaru Crosstrek, according to Edmunds.[2] The popularity of these vehicles fits the nature-loving profile of Oregonians since each of the vehicles has either an outdoorsy or environmentally friendly reputation.
The cost to insure each vehicle can vary because insurance companies consider the value of the vehicle and the cost to repair or replace it when determining premiums. Check out the average monthly rate for full-coverage insurance for each of these vehicles below.
Vehicle | Average Monthly Quote |
|---|---|
| Toyota RAV4 | $152 |
| Ford F-Series | $155 |
| Tesla Model Y | $273 |
| Toyota Tacoma | $155 |
| Subaru Crosstrek | N/A |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How your driving record affects car insurance rates in Oregon
Your driving record gives your insurance company a glimpse into how safely you drive. Insurers typically offer the lowest rates to people with clean driving records. A driver with a recent at-fault accident, speeding ticket, or DUI may see their monthly rate increase sharply and may pay a higher annual rate for years to come.[3]
Oregon drivers with an incident on their record pay an average monthly rate of $200 for full-coverage car insurance. For comparison, drivers with a clean record pay a monthly rate of $157.
The table below shows the average rate for full-coverage insurance for a sample Oregon driver profile with each type of incident on their record.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $236 | 48% |
| With speeding ticket | $233 | 46% |
| With DUI | $268 | 68% |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Insurers in Oregon may consider your credit history as a factor when setting your rates. Insurance companies consider a driver with poor credit as more likely to file a claim. Drivers with excellent credit typically pay lower average rates than people with poor credit.
Though insurers can consider your credit history, Oregon state law protects you from losing insurance coverage because of your credit score.[4] Your insurance company can’t legally rescind your coverage if your credit score decreases during existing coverage.
Below, you can compare average monthly quotes for Oregon drivers by credit tier.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $94 $155 Good $92 $152 Fair $92 $152 Poor $113 $187 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How to lower your insurance costs in Oregon
You can use a number of strategies to reduce your insurance costs. While the best way to lower your costs is to compare quotes from multiple insurers, you can also implement these strategies to reduce what you pay for car insurance:
Lower your coverage levels. You can lower your rates if you increase your deductible, drop collision or comprehensive coverage, or decrease your limits on bodily injury/property damage liability coverage. But remember that experts recommend purchasing more than minimum coverage. You may even want more than the minimum required coverage for vehicle protection.
Keep a clean driving record. Driving safely protects you and helps keep your premium costs low. Drivers with clean records pay the lowest average rates.
Bundle insurance coverage. Customers who purchase home insurance or renters insurance from the same insurance company that insures their vehicle will often save money by bundling both policies.
Check for discounts. You may qualify for several different insurance discounts, including affiliation discounts, discounts for safety features on your vehicle, and safe-driving discounts.
Increase your credit. Better credit can help you qualify for a lower premium rate — as well as help you improve your finances in general.
Oregon average car insurance cost FAQs
Knowing the average rate of car insurance in Oregon can help you find the best price for the policy that fits your needs. The following information can help answer your remaining questions.
Oregon drivers pay an average annual rate of $1,162 for minimum coverage and $1,883 for full coverage. Ultimately, your annual rate for coverage will depend on your ZIP code, age, driving record, and more.
Mile Auto offers the cheapest car insurance in Oregon, with an average monthly rate of $61 for minimum coverage. The best car insurance company for your needs may be different, though, which is why it’s important to compare quotes.
The average monthly rate in Oregon is $97 for minimum coverage insurance and $157 for full coverage. Drivers with clean records who opt for minimum coverage pay the lowest monthly rates for car insurance.
The best auto insurance company in Oregon will vary from one driver to another. Mile Auto, National General, and Root all offer cheap car insurance to drivers in Oregon, but a different insurance company may better fit your specific needs.
Oregon requires drivers to carry $25,000 per person and $50,000 per accident in bodily injury liability, $20,000 per accident in property damage liability, $15,000 in PIP coverage, and $25,000 in uninsured motorist bodily injury coverage.[5]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- Insurance Institute for Highway Safety. "Fatality Facts 2022 Males and females."
- Edmunds. "Most popular cars in America."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- OregonLaws. "Use of credit history or insurance score."
- Oregon Driver & Motor Vehicle Services. "Insurance Requirements."
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Emily Guy Birken
Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.
Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.
She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.
Emily lives in Milwaukee with her family.
Emily has been a contributor at Insurify since October 2022.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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