Average Car Insurance Cost in Oregon (2024)

Drivers in Oregon pay $138 per month, on average, for car insurance.

Janet Berry-Johnson
Janet Berry-Johnson
  • 8+ years writing about insurance, taxes, and personal finance

  • Certified public accountant

Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.

Featured in

media logomedia logomedia logomedia logo
Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

Featured in

media logomedia logomedia logomedia logo

Updated May 23, 2024

Save up to $717 by comparing quotes from the top 100+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates in Oregon

Drivers using Insurify have found quotes as cheap as $44/mo for liability only and $47/mo for full coverage in Oregon.

*Quotes generated for Insurify users from Oregon within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Oregon within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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.

Quick Facts
  • The average cost of minimum-coverage car insurance in Oregon is $99, and the average cost of full-coverage car insurance is $177.

  • Oregon forbids insurers from canceling or not renewing your policy because of your credit history.

  • Medford, Oregon, has the cheapest rates in the state for liability-only coverage, while Portland has the highest average monthly cost.

Find Cheap Car Insurance in Oregon

Check quotes from 100+ top insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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 $177 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.

The below rates are estimated rates current as of: Thursday, May 16 at 12:00 PM PDT
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full Coverage
Mile Auto5570
Safeco70110
GAINSCO91189
Liberty Mutual92162
National General98200
Midvale Home & Auto111170
Direct Auto112224
Dairyland123284
Bristol West137269
The General149272
Root159249
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.

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.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Beaverton$133$217
Corvallis$94$156
Eugene$90$165
Grants Pass$88$138
McMinnville$107$182
Medford$90$159
Portland$132$219
Redmond$79$166
Salem$117$211
Springfield$95$163
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 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.

Rates by Age

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 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.

AgeMaleFemale
16$374$306
35$179$162
50$137$132
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 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.

Driver RecordAverage Quote: Liability OnlyAverage Quote: Full Coverage
Clean record$99$177
With accident$272$152
With speeding ticket$277$155
With DUI$308$172
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 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.

Marital StatusAverage Quote: Liability OnlyAverage Quote: Full Coverage
Married$96$175
Single$100$183
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.

Shop for Car Insurance in Oregon

Check quotes from 100+ top insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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.

Credit TierAverage Quote: Liability OnlyAverage Quote: Full Coverage
Excellent$88$161
Good$98$179
Fair$108$197
Poor$157$286
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.

Oregon car insurance FAQs

Shopping around for car insurance can sometimes leave drivers with more questions than answers. To help guide you on this journey, review the answers to common questions below.

  • What is the average cost of car insurance in Oregon?

    The average monthly cost of car insurance in Oregon is $99 for liability-only coverage. The average cost for full-coverage insurance is $177 per month. However, it’s essential to note that your costs may vary based on various factors, including your age, marital status, credit history, and even ZIP code.

    Additionally, if you opt for more expansive coverage, your monthly premium may be higher. That’s why it’s a good idea to get multiple quotes from different insurance companies to get the best rate based on your unique circumstances.

  • What is the cheapest car insurance in Oregon?

    Mile Auto offers the cheapest car insurance in Oregon, with liability rates of $55. Oregon drivers can also find cheap rates from Safeco and GAINSCO, which offer liability-only rates of $70 and $91, respectively.

    However, keep in mind that “cheapest” can be subjective when it comes to car insurance rates because rates are tailored to your individual profile. So the cheapest company for one person might not be the same for another due to variations in factors like driving history, age, vehicle type, location, and more.

  • Do car insurance rates vary by county in Oregon?

    Yes, car insurance rates can vary widely by county — and even by ZIP code. While the state average provides a general benchmark, specific rates can fluctuate based on the characteristics and risks associated with each county.

    For example, Multnomah County, which includes Oregon’s most densely populated city of Portland, has higher traffic congestion and crime. So drivers in that county tend to pay higher rates due to an increased risk of accidents and other incidents.

  • What are the best auto insurance companies in Oregon?

    Some of the best insurance companies in Oregon include State Farm, USAA, GEICO, and COUNTRY Financial. These companies offer competitive rates for full-coverage auto insurance and earn a high IQ Score based on customer satisfaction ratings, average monthly premiums, financial strength, and more.

  • What are the car insurance requirements in Oregon?

    To drive legally in Oregon, you must have a minimum amount of insurance coverage. The state-mandated minimums are:

    • Bodily injury liability coverage: $25,000 per person and $50,000 per accident

    • Property damage liability coverage: $20,000 per accident

    • Personal injury protection: $15,000 per person

    • Uninsured motorist bodily injury liability coverage: $25,000 per person and $50,000 per accident[4]

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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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

  1. Oregon Demographics. "Oregon Cities by Population."
  2. Insurance Business. "Gender disparity in car insurance premiums – who pays more?."
  3. Oregon Laws. "Use of credit history or insurance score."
  4. Oregon.gov. "Minimum Insurance Requirements."
Janet Berry-Johnson
Janet Berry-Johnson

Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

Featured in

media logomedia logomedia logomedia logo

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Latest Articles

View all