Average Car Insurance Cost in Oregon (2024)

Driving amidst Oregon’s scenic, lush forests and majestic coastal views can be a breathtaking experience. But before you hit the road, it’s important to make sure you have the proper insurance.

In 2023, Oregonians are paying an average of $99 per month for liability-only car insurance. This is right in line with the national average of $104 per month.

Oregon’s car insurance rates hover around this median price point partly due to the state’s geographic location — it isn’t prone to extreme weather, like tornadoes or hurricanes, that could lead to massive insurance claims. And its population density is low overall.

Whether you’re in the market for your first insurance policy in Oregon or simply your next, here’s how to find the best price and policy to meet your needs.

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What’s the average cost of car insurance in Oregon?

In Oregon, liability-only coverage costs an average of $99 per month. This coverage meets state requirements and pays for damage and injuries suffered by the other party and your injuries in an accident you cause. However, liability coverage doesn’t cover your own repair costs.

On the other hand, full-coverage insurance costs an average of $174 per month in Oregon. Full-coverage car insurance provides minimum liability coverage and also covers your car repairs if you’re in an accident.

The table below shows the cheapest car insurance companies in the Beaver State for a liability-only and a full-coverage policy.

Average Oregon car insurance rates by city

Car insurance rates aren’t a one-size-fits-all pricing model. In fact, they vary widely from city to city — even within the same state. This is due to factors like population density, crime rates, economic conditions, and weather patterns.

For example, Portland residents pay much higher rates than residents in other cities in Oregon. This is because Portland has a dense population, heavy traffic, and higher crime rates. On the other hand, Medford, Oregon, with roughly one-tenth the population of Portland, has less traffic congestion and lower crime rates, so drivers benefit from some of the lowest rates in the state.^[1]

To give you a clearer picture of the rates across Oregon, here are some average car insurance quotes by city.

Average Oregon car insurance rates by age

Age plays a pivotal role in determining car insurance premiums because age tends to correlate with driving behavior and accident rates.

For example, drivers younger than 25 pay higher premiums because they have less experience behind the wheel and are statistically more likely to be in a car accident or get another traffic violation. Middle-aged drivers often see a significant drop in their car insurance premiums because they have more experience driving and have ideally built up a good driving record.

Rates often then rise again once drivers hit 70, as their reaction time and vision tend to worsen.

This table shows average monthly car insurance quotes based on different age brackets, from teen drivers to seniors, according to Insurify data.

How gender affects car insurance rates in Oregon

Gender, like age, plays a role in determining your car insurance premiums. Historical data and statistical analyses reveal differences in risk behavior between genders, especially when coupled with age.

For example, young males, especially those in their teens and early 20s, are more likely to engage in risky driving behaviors and get in accidents than young female motorists.^[2] This behavior is reflected in higher car insurance premiums for this demographic.

Here’s a breakdown of how this trend manifests in Oregon, with a table showing the average monthly car insurance rates for males and females at different ages.

How your driving record affects car insurance rates in Oregon

Your driving record is essentially a report card of your behavior on the road. Just as academic achievements can open doors to scholarships and opportunities, a clean driving record can pave the way to lower car insurance premiums. On the other hand, speeding tickets, at-fault accidents, and DUIs can cause your rates to spike.

Here’s how different aspects of a driver’s history influence average car insurance quotes.

Average Oregon car insurance rates by marital status

It might come as a surprise, but marital status is another factor that insurance companies consider when determining premiums.

Insurers base rates on vast amounts of data and statistical analysis, and the data shows that married people tend to get into fewer injury accidents than their single counterparts. As a result, married people tend to pay lower rates than single drivers.

The table below shows the average rates for married and single Oregon drivers.

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Average Oregon car insurance rates by credit tier

Your credit history has implications beyond loans and credit card applications. In many states, including Oregon, it can also play a role in determining your car insurance premiums.^[3]

Insurance companies tend to view people with poor credit as more likely to file an insurance claim. So people with good credit tend to pay lower rates than people with poor credit.

The table below shows average quotes for Oregon drivers in different credit tiers.

Oregon car insurance FAQs