How Much Is Car Insurance in Oregon? (2026)

How much is car insurance in Oregon?

Car insurance in Oregon costs an average of $91 per month, or $1,093 per year, for liability-only coverage and $156 per month, or $1,876 per year, for full coverage, according to Insurify data.

Oregon full-coverage rates are about 17% below the national average of $187 per month. Among neighboring states, only Idaho’s rates are cheaper.

Compared to Oregon, full-coverage insurance is about 17% more expensive in Washington, 30% more expensive in California, and 66% more expensive in Nevada.

Coverage Type	Average Monthly Quote	Average Annual Quote
State-minimum coverage	$91	$1,093
Full coverage	$156	$1,876

Disclaimer: Table data is based on real-time Oregon quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Minimum car insurance requirements in Oregon

In Oregon, drivers must have liability insurance. Car insurance requirements include bodily injury liability, property damage liability, personal injury protection (PIP), and uninsured motorist coverage.^[1]

Coverage Type	Oregon Minimum Requirement
Bodily injury liability	$25,000 per person/$50,000 per accident
Property damage liability	$20,000 per accident
Personal injury protection (PIP)	$15,000 per person
Uninsured motorist	$25,000 per person/$50,000 per accident

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Cheapest car insurance companies in Oregon

State Farm has the cheapest average rates for liability coverage in Oregon, according to Insurify data. Liability coverage costs less than full coverage because it doesn’t pay to repair your vehicle.

Because Oregon requires PIP and uninsured motorist coverage, liability-only rates include the cost of those coverages.

The table below shows the companies with the cheapest liability-only rates in Oregon.

The below rates in Oregon are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote: Liability Only
State Farm	$56
USAA	$66
Mile Auto	$67
Sun Coast	$68
GEICO	$74
Progressive	$74
National General	$75
Country Financial	$83
The General	$84
Bristol West	$86
Safeco	$88
Allstate	$93
American Family	$95
Dairyland	$95
Root	$98
Direct Auto	$103
Farmers	$130
Liberty Mutual	$134
Travelers	$160

Disclaimer: Table data sourced from real-time Oregon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oregon may vary based on the policy buyer's unique driver profile.

Average Oregon car insurance rates by city

Gresham and Portland are the most expensive cities for Oregon car insurance. In comparison, Grants Pass and The Dalles are the cheapest, according to Insurify data.

Gresham and Portland sit in the metro area where interstates 5 and 84 meet. Both cities have about 4,900 people per square mile, compared to the state average of 44 people per square mile, according to the U.S. Census Bureau.^[2]

In addition, drivers in both cities have slightly longer commute times than the state average of 23 minutes. Heavier traffic and more time behind the wheel can raise crash risk, which insurers factor into insurance rates.

With about 3,400 people per square mile, Grants Pass is at the southern end of the state. Among the Oregon cities included in Insurify’s data, it has the smallest share of drivers with speeding tickets and people with at-fault accidents on their driving records.

Compare average monthly liability-only and full-coverage car insurance quotes in Oregon by city below.

The below rates in Oregon are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT. 

City	Average Monthly Quote
Grants Pass	$99
The Dalles	$102
Corvallis	$105
Medford	$108
Redmond	$109
Springfield	$112
Eugene	$120
Mcminnville	$136
Salem	$150
Beaverton	$153
Portland	$170
Gresham	$171

Disclaimer: Table data sourced from real-time Oregon car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Oregon may vary based on the policy buyer's unique driver profile.

Average Oregon car insurance rates by age

Teen drivers pay the highest car insurance rates in Oregon, at $169 per month for liability coverage. This is nearly double what drivers in their 40s pay.

The average cost of car insurance in Oregon drops when drivers hit their 30s and reaches its lowest price at age 60. Prices start to edge back up once drivers reach age 70.

This pattern applies to both liability and full-coverage prices.

The table below compares average monthly liability-only and full-coverage car insurance rates in Oregon for teens, drivers in their 40s, and drivers in their 60s.

Age	Average Monthly Liability-Only Quote	Average Monthly Full-Coverage Quote
Teens	$169	$290
Adults (40s)	$91	$155
Seniors	$79	$136

Disclaimer: Table data is based on real-time Oregon quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

How your driving record affects car insurance rates in Oregon

Oregon insurance companies base your premium on your driving history over the past three years. Drivers with a speeding ticket or at-fault accident typically have higher premiums than people with a clean driving record.

In Oregon, fewer than 1 in 20 drivers have a ticket on their record, fewer than 1 in 20 have an accident, and fewer than 1 in 100 have a DUI, according to Insurify data. High-risk drivers typically pay higher insurance premiums.

The following table shows average monthly car insurance rates for different driving records.

Driving Record	Average Monthly Quote in OR	% Increase Compared to Clean Driving Record
Clean driving record	$123	N/A
With speeding ticket	$168	37%
With accident	$167	36%
With DUI	$156	27%

Disclaimer: Table data is based on real-time Oregon quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

What affects car insurance rates in Oregon?

Insurers in Oregon consider a mix of personal, coverage, and location-based factors when setting rates.

• Vehicle theft: Oregon had the 13th-highest vehicle theft rate in the country in the first half of 2025, according to Insurify data. Theft rates can affect comprehensive insurance premiums, especially in areas of Oregon with higher claim rates.

• Wildfires: Oregon’s 2024 wildfire season burned a record 1.9 million acres, well above the 10-year average of 640,000 acres.^[3] Wildfires can lead to more comprehensive claims for damaged or destroyed vehicles.

• Crashes: Oregon recorded 48,414 traffic crashes in 2024, including 489 fatal crashes.^[4] Areas of the state with more accidents and insurance claims may have higher car insurance rates.

• Oregon’s coverage requirements: Besides bodily injury liability and property damage liability, Oregon drivers must carry PIP and uninsured motorist coverage. These required coverages add to the cost of a minimum-coverage insurance policy.

• Credit history: Oregon insurers can consider credit history when setting rates. Drivers with poor credit pay an average of $114 per month for liability insurance. In comparison, drivers with excellent credit pay an average of $79 per month for liability coverage, according to Insurify data.

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How Oregon car insurance rates have changed over the past five years

Oregon’s annual cost of full-coverage car insurance rose from $1,188 in December 2021 to $1,701 in December 2025, an increase of 43%, according to Insurify data. Rates flattened in 2026.

Drivers in Oregon pay an average of $1,876 per year for full coverage. Insurify projects costs to drop by 0.4% by the end of 2026.

Although Oregon has the nation’s 13th-highest vehicle theft rate, thefts dropped by 26% in the first half of 2025. Lower vehicle theft rates can contribute to lower auto insurance costs over time.

How to lower car insurance costs in Oregon

You have several ways to lower your Oregon auto insurance costs:

• Take a state-approved collision prevention course. Oregon drivers 55 and older may qualify for a car insurance discount after finishing one of the state’s approved collision prevention courses.

• Ask for an annual credit re-rate. Oregon law allows one request per year. A re-rate can lower your premium but can’t increase it.

• Look at regional insurers. PEMCO covers drivers in Oregon and Washington. It offers a 10% telematics discount and a discount for bundling home and auto insurance.

• Raise your deductible. Oregon’s Division of Financial Regulation (DFR) suggests raising your deductibles or dropping comprehensive and collision coverage on an older car.^[5]

Oregon average car insurance cost FAQs