How Much Does Car Insurance Cost In Oregon?

On average, drivers pay $203 per month for car insurance in Oregon, according to 2021 rates.

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Average Cost of Car Insurance in Oregon

When it comes to geography, Oregon has it all. From dense evergreen forests to high deserts to even some volcanoes, there’s a diverse range of landscapes to see and experience. And most of Oregon’s 4.2 million residents visit these different environments from behind the wheel of their car.

But if you’re a driver in Oregon, how much should you expect to pay for car insurance? On average, Oregonians pay $203 per month, which ranks in the middle of the pack as far as statewide car insurance rates go.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $20350%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

What Is the Average Cost of Car Insurance in Oregon by Age?

At $427 per month, teenagers pay the highest average car insurance rate of any age group in Oregon. Fortunately, young adults in their 20s see their average rates go down to by nearly $200, to a much more reasonable $238 per month.

In your 30s and beyond, average prices fall comfortably below the state average of $203. Folks in their 60s pay the least on average, at just $137 per month. This is remarkably less than a third of the price teenagers pay on average.

AgeAvg. Monthly Rate
Teens$427
20s$238
30s$173
40s$183
50s$161
60s$137
70s$144
>80s$162

What Is the Average Cost of Car Insurance in Oregon by Gender?

At $210 per month, men in Oregon pay $12 more than women do, which is a fairly minor difference in car insurance rates.

GenderAvg. Monthly Rate
Male$210
Female$198

Does Marital Status Influence the Average Cost of Car Insurance in Oregon?

While you might be spending quite a bit on a wedding and a marriage license, you’ll be delighted to know that in Oregon your marriage will lead to lower car insurance rates. On average, married Oregonians pay $30 less for car insurance. At $181 per month, married drivers’ average car insurance rate is $22 below the state average.

Marital StatusAvg. Monthly Rate
Married$281
Single$211

What Are the Minimum Car Insurance Requirements in Oregon?

Oregon requires a fairly standard amount of car insurance, with $25,000 in bodily injury liability per person and $50,000 per accident. So if someone is harmed in an accident where you are at fault, your insurance will cover the costs associated with these injuries up to that limit. Additionally, drivers must have $25,000 of property damage liability per accident, which covers the costs associated with any property damage from an accident.

Oregon goes one step further by also making sure drivers have $25,000 per person/$50,000 per accident in uninsured motorist bodily injury (UMBI) insurance. This keeps drivers protected if they’re involved in an accident with someone who doesn’t have insurance or who has low policy limits. Additionally, Oregon requires drivers to have $15,000 per person in personal injury protection (PIP), which covers medical costs after an accident, regardless of fault.

oregon

How Does Credit History Affect Oregon Car Insurance Rates?

Oregon allows car insurance companies to consider your credit score when determining your car insurance rates. So as you could probably imagine, drivers with an excellent credit pay $19 less than those with a poor credit history. At $197 per month, drivers with a poor credit history are paying $6 less than the state average. Meanwhile, drivers with an average or good credit history pay even more for car insurance, at $198 per month and $208 per month, respectively.

Credit HistoryAvg. Monthly Rate
Poor$197
Average$198
Good$208
Excellent$178

What Is the Average Cost of Car Insurance in Oregon for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in Oregon will pay $32 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $34. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Driving HistoryAvg. Monthly Rate
No Violation$186
At-Fault Accident$220
Speeding$218

Tips for Researching Oregon Car Insurance Rates

When it comes to car insurance rates, how your monthly premium is determined can feel like a mystery. Prices vary between companies, based on a variety of factors. With many trusted carriers offering their services in Oregon, residents will want to make sure they’re comparing rates so that they can find the right policy for their budget.

Insurify is all about making it easy to compare quotes so that drivers can find cheap car insurance rates. With Insurify, dozens of free car insurance quotes are just a few clicks away, setting you up to find the right policy at the right price.

FAQs - Oregon Car Insurance

Why is car insurance so expensive in Oregon?

There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

Do car insurance rates vary by county in Oregon?

Auto insurance costs will vary between locations and insurance carriers, depending on the county Oregon. Insurify analyzed the latest data for the five most populous cities in Oregon to find you the cheapest quotes in each of these metropolitan areas.

Which providers have the best auto insurance ratings in Oregon?

'The way to find the carrier with the best auto insurance ratings in Oregon and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you''re a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.'

How much do annual auto insurance rates increase in Oregon?

During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.