Candace Baker, Car Insurance Writer
@candacebaker
Car insurance in Oregon costs $67 per month or $807 per year for minimum coverage, on average. The cheapest car insurance companies in Oregon are Geico, USAA, and State Farm, and getting quotes from several companies can help you find the best deal.
The average cost of car insurance in Oregon is 20% higher than the national average auto insurance premium. There are several factors that affect how much you'll pay for car insurance in Oregon, including your driving record, age and location, the amount of coverage you purchase, and the insurance company you buy it from.
Average Cost of Car Insurance in Oregon by Category
- After an at-fault accident: $245 per month
- Driver with poor credit: $112 per month
- Teen driver: $301 per month
- After a DUI: $125 per month
Average Cost of Car Insurance in Oregon by Company
Company | Minimum Coverage | Full Coverage |
$1,113 per year | $2,353 per year | |
$850 per year | $1,436 per year | |
$678 per year | $1,609 per year | |
$1,182 per year | $2,214 per year | |
$417 per year | $1,132 per year | |
$712 per year | $1,383 per year | |
$835 per year | $2,267 per year | |
$536 per year | $1,098 per year | |
$579 per year | $1,382 per year | |
$514 per year | $1,217 per year |
Note: Rates are an approximation based on a 45-year-old man in Oregon with a clean driving record. Actual rates will vary.
Average Cost of Car Insurance in Oregon by Age
Age | Average Premium |
$3,608 per year | |
$2,767 per year | |
$2,430 per year | |
$1,897 per year | |
$1,693 per year | |
$1,352 per year | |
$1,228 per year | |
$1,102 per year | |
$1,044 per year | |
$940 per year | |
$823 per year | |
$807 per year | |
$779 per year | |
$833 per year |
Note: Rates are an approximation based on a driver in Oregon with minimum coverage and a clean driving record. Actual rates will vary.
How to Lower the Cost of Car Insurance in Oregon
- Shop around and compare quotes. We recommend comparing quotes from at least three different insurance companies to make sure you are getting the best rate.
- Choose a higher deductible. Your deductible is the amount you have to pay out of pocket before your insurance kicks in. Choosing a higher deductible can lower your premiums but means you will have to pay more out-of-pocket when you file a claim.
- Consider lowering your coverage. Consider purchasing only the minimum amount of coverage required by your state, rather than purchasing higher limits or a full coverage policy.
- Look for discounts you may be eligible for. For instance, most insurance companies offer a good-driver discount for customers with a clean driving record, a good-student discount, or a discount for paying your premiums in full up front.
To learn more, check out our guide to how much car insurance you need in Oregon as well as our picks for the cheapest car insurance companies in Oregon.
People also ask
How much car insurance do I need in Oregon?
Drivers in Oregon need $25,000 of bodily injury liability insurance per person (up to $50,000 per accident) and $20,000 of property damage liability insurance. Oregon also requires personal injury protection (PIP) and uninsured motorist insurance. PIP covers medical expenses for you and your passengers after an accident, and UM replaces the liability coverage an at-fault driver should’ve had and pays for your costs up to your policy limits.
Here’s How Much Car Insurance Drivers Need in Oregon:
| ... | Minimum Coverage Limit |
Why is Oregon car insurance so expensive?
Car insurance in Oregon is expensive because the state minimum insurance requirements are higher than most, including personal injury protection and uninsured motorist coverage. In Oregon, you can expect to pay around $3,519 per year for full coverage car insurance, compared to the national average of $4,211 per year. Car insurance in Oregon is less expensive than the national average, which is around $4,211 per year for full coverage and about $1,407 per year for minimum coverage.
The cost of car insurance is steadily...
read full answerWhat is the penalty for driving without insurance in Oregon?
The penalties for driving without insurance in Oregon include fines, suspension of license and registration, impounding your car, and high-risk insurance requirements. You can avoid these consequences by meeting Oregon’s proof of financial responsibility requirements. Oregon requires that all drivers have at least $25,000 in bodily injury liability coverage, up to $50,000 per accident, along with $20,000 in liability coverage for property damage. You'll also need personal injury protection and uninsured/underinsured motorist coverage.
Purchasing...
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