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Oregon Average Cost of Car Insurance Rates (2022)

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Mark Steinbach

By: Mark Steinbach

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022


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How Much Does Car Insurance Cost In Oregon?

On average, car insurance rates for drivers in Oregon are $203 per month, and $2437 per year. The average rates make Oregon the 26th most expensive state in the country for car insurance rates and 9% less expensive than the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here.

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.

Best Oregon Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in Oregon and has selected the following providers and quotes as the best rates for drivers in Oregon.

Cheapest CompaniesQuotes
State Farm$66

Oregon Car Insurance Rates by City

For drivers in Oregon, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Oregon.

CityAvg. Monthly Rate

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

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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

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

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.


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

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

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.

Top Auto Insurance Companies

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Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Oregon Car Insurance

  • 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.

  • 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.

  • 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.

  • 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.

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The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Mark Steinbach
Mark Steinbach

Content Writer at Insurify

Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.

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