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Average cost of car insurance in Oregon for 2022
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If you own a vehicle that is registered in the state of Oregon, you are legally required to carry car insurance. Drivers must carry at least 25/50/20 liability insurance, which includes $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident and $20,000 in property damage coverage per accident.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much does car insurance cost in Oregon?
Car insurance rates are highly dependent on your state. There are also other factors that will impact your premium, like your age, the city you live in, your driving record and the insurance company you choose.
In Oregon, drivers pay significantly less for full coverage car insurance than the average American driver. However, Oregon drivers actually pay slightly higher rates for minimum coverage car insurance.
For reference, the average cost of car insurance in the United States is $565 per year for minimum coverage and $1,674 per year for full coverage. That means Oregon drivers pay $328 less for full coverage insurance and $54 more for minimum coverage insurance per year.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Oregon car insurance rates by company
Insurance rates are not standardized across the industry. Some insurance companies charge above average rates, while others charge below average rates. If you are looking for cheap car insurance in Oregon, we recommend comparing several quotes to see which company will be the most affordable for you.
The table below includes the average annual cost of car insurance from some of the best car insurance companies in Oregon.
| Car insurance company | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|
| Oregon Mutual | $414 | $862 |
| Travelers | $438 | $1,017 |
| QBE | $456 | $948 |
| Mutual of Enumclaw | $487 | $1,035 |
| Capital | $487 | $1,049 |
| USAA | $494 | $1,038 |
| State Farm | $527 | $1,093 |
| Nationwide | $555 | $1,066 |
| Country Financial | $565 | $1,432 |
| Progressive | $573 | $1,265 |
| Geico | $575 | $1,355 |
| California Casualty | $596 | $1,518 |
| Farmers | $604 | $1,104 |
| American Family | $699 | $1,250 |
| Allstate | $820 | $1,790 |
| MetLife | $949 | $1,814 |
| Sentry | $1,018 | $2,858 |
Oregon car insurance rates by city
Oregon car insurance rates vary based on your city and ZIP code due to factors like crime rate, weather risks, accident rate and the number of uninsured drivers in the city. Here is a look at average full coverage car insurance premiums in Oregon’s 20 most populated cities and how the citywide rate compares to the statewide average.
| City | Average annual premium for full coverage | % difference from state average annual premium |
|---|---|---|
| Portland | $1,639 | 22% |
| Eugene | $1,231 | -9% |
| Salem | $1,416 | 5% |
| Gresham | $1,765 | 31% |
| Hillsboro | $1,446 | 7% |
| Beaverton | $1,495 | 11% |
| Bend | $1,240 | -8% |
| Medford | $1,188 | -12% |
| Springfield | $1,235 | -8% |
| Corvallis | $1,180 | -12% |
| Albany | $1,201 | -11% |
| Tigard | $1,466 | 9% |
| Aloha | $1,501 | 12% |
| Lake Oswego | $1,432 | 6% |
| Keizer | $1,407 | 5% |
| Grants Pass | $1,180 | -12% |
| Oregon City | $1,492 | 11% |
| Redmond | $1,243 | -8% |
| Tualatin | $1,429 | 6% |
| McMinnville | $1,376 | 2% |
Oregon car insurance rates by age
When you apply for an auto insurance policy, the car insurance carrier is probably going to consider your age when they calculate your rate. In most cases, young drivers who are newly licensed pay the highest premiums. When drivers are in their early 20s, rates will start to decrease. The table below includes Oregon auto insurance rates by age.
| Age | Average annual premium in Oregon |
|---|---|
| Age 16* | $2,133 |
| Age 18 | $4,157 |
| Age 20 | $2,955 |
| Age 25 | $1,720 |
| Age 30 | $1,538 |
| Age 40 | $1,454 |
| Age 50 | $1,317 |
| Age 60 | $1,265 |
| Age 70 | $1,390 |
*16 year old calculated on parent’s policy disclosure
Oregon car insurance rates by driving record
Safe drivers pay the lowest car insurance rates because it shows the insurance company that they are not at risk of getting involved in an expensive accident or other incident. If you have any violations on your record, like an at-fault crash or a speeding ticket, it will cause your rate to increase. In the table below, you can see how much your car insurance premium will go up after a speeding ticket, an accident and a DUI.
| Driving incident | Average annual full coverage premium in Oregon | % increase of average annual premium |
|---|---|---|
| Speeding ticket | $1,654 | 20% |
| Accident | $1,992 | 47% |
| DUI | $2,294 | 70% |
How to save on car insurance in Oregon
Car insurance rates in Oregon are not overly expensive, but there are ways that you can save some money and get a lower premium. Here are some suggestions for getting cheap car insurance:
- Improve your credit score: If you have a poor credit score, you will likely pay a high car insurance premium. Raising your credit score, even by a few points, can help you get a lower rate.
- Pay your premium in full: Paying your annual premium upfront and in full can help you get a cheaper rate, if you can afford the out-of-pocket cost.
- Take a defensive driver course: Most insurance companies offer a discount to drivers who complete an approved defensive driver or driver safety course.
- Raise your deductible: Raising your deductible will lower your monthly premium. Just make sure you can afford a higher deductible in the event that you need to file a claim.
- Switch carriers: If you find a different insurance company that can offer you a better deal, you can switch carriers at any point during your policy period.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied.
Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.