What is the best car insurance company in Oregon?

There’s no single best car insurance company in Oregon since insurance is unique for every driver. To help you identify the best provider for you, consider what you value from an insurance company. For instance, if you have a prior incident on your driving record, you might want a company that offers affordable coverage to high-risk drivers. If you work from home, you might look for a company that offers usage-based insurance or a good telematics discount. Once you’ve narrowed down providers, you can request several quotes to compare coverage and cost.

What is the cheapest car insurance company in Oregon?

The cheapest car insurance company in Oregon may be different for everyone, as many personal factors determine the price. Travelers, Geico, Mutual of Enumclaw and Capital are among some of the cheapest car insurance companies in Oregon, based on Bankrate’s research. You may want to request quotes from several of these providers before you make your decision. Don’t forget to factor in multi-car discounts and good student or safe driver discounts, which might reduce your monthly insurance premium.

How much car insurance is required in Oregon?

Every state has different car insurance requirements. In Oregon, drivers must carry at least 25/50/20 in personal liability insurance, as well as 25/50 in uninsured motorist insurance and $15,000 in PIP per person. However, insurance professionals generally recommend that drivers purchase higher coverage limits or get a full coverage policy, which provides physical damage protection. Driving without insurance in Oregon is against the law, and the penalties could be steep. Drivers who are caught operating a vehicle without proper insurance may face fines, license suspension and may even need to maintain an SR-22 certificate for up to three years.

How much is car insurance per month in Oregon?

On average, Oregon drivers pay $183 per month for a full coverage car insurance policy and $76 per month for minimum coverage. However, these are just average rates. Exactly what you pay for your Oregon car insurance policy will change depending on your age, gender, credit history, driving history, vehicle make and model and other factors.

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Average cost of car insurance in Oregon for 2025

Written by

Natalie Todoroff

Edited by

Lisa McArdle

Updated Jul 01, 2025

The average cost of car insurance in Oregon is $2,198 per year for full coverage and $911 per year for minimum coverage.

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Insurance disclosure

How much is car insurance in Oregon?

To determine how much car insurance is in Oregon, Bankrate analyzed premium data from Quadrant Information Services. According to our research, the average cost of car insurance in Oregon is $2,198 per year for full coverage and $911 per year for minimum coverage. These are just average figures to be used for comparative purposes; your exact car insurance rate will vary based on personal factors like your age, ZIP code, credit history, claims history, driving record and more. To help give you a clearer image of what your insurance costs may be, Bankrate also included average rates for a variety of Oregon driving profiles.

Key takeaways

The average car insurance cost in Oregon is $183 per month for full coverage and $76 per month for minimum coverage.
If you have poor credit, car insurance costs change by 84 percent more for full coverage on average.
Of the cities, Crane has the cheapest car insurance rates in Oregon for full coverage at $1,857 for full coverage.
Drivers with one accident on their record pay more for insurance — an average of $3,297 for full coverage.

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Oregon car insurance rates by city

The city and ZIP code you live in also factor into your Oregon car insurance rates. Insurance carriers often use city-specific variables like population density, crime statistics, claim frequency and cost of living in the ZIP code to determine rates in the area. If you live in an area where it’s more common to file an insurance claim, you will likely pay more for your coverage. In the table below, you can see average Oregon auto insurance rates in some of the state’s most populated cities.

City	Avg. annual full coverage premium	Avg. savings vs. state average
Monroe	$1,991	-10%
Oakland	$2,003	-9%
Walterville	$2,052	-7%
Wolf Creek	$2,039	-8%
Yachats	$2,056	-7%
Elmira	$2,032	-8%
Junction City	$2,007	-9%
Langlois	$2,028	-8%
North Bend	$1,983	-10%
Sixes	$1,991	-10%
Cave Junction	$2,085	-5%
Williams	$2,088	-5%
Kimberly	$1,933	-13%
Oxbow	$1,900	-15%
Adrian	$1,931	-13%
Westfall	$1,900	-15%
Buxton	$2,150	-2%
Cannon Beach	$2,082	-5%
Hillsboro	$2,204	+0%
Lafayette	$2,214	+1%
Mcminnville	$2,160	-2%
Portland	$2,535	+14%
Ashland	$1,971	-11%
Phoenix	$1,918	-14%
Klamath Falls	$2,058	-7%
Dairy	$2,118	-4%
Merrill	$2,088	-5%
Paulina	$1,926	-13%
Warm Springs	$2,127	-3%
Fossil	$2,043	-7%
Imnaha	$1,951	-12%
Milton Freewater	$1,977	-11%
Richland	$1,946	-12%
Union	$1,948	-12%
Deadwood	$2,111	-4%
Dorena	$2,004	-9%
Drain	$2,013	-9%
Florence	$1,980	-10%
Lorane	$2,094	-5%
Lowell	$2,018	-9%
Roseburg	$1,965	-11%
New Pine Creek	$2,015	-9%
Paisley	$2,017	-9%
Fort Rock	$1,993	-10%
Sisters	$2,054	-7%
Condon	$2,034	-8%
Enterprise	$1,984	-10%
Hermiston	$1,925	-13%
Stanfield	$1,940	-12%
Newberg	$2,171	-1%
Sherwood	$2,155	-2%
Timber	$2,187	-1%
Salem	$2,208	+0%
Crabtree	$2,060	-6%
Midland	$2,044	-7%
Brothers	$1,988	-10%
Hines	$1,952	-12%
La Pine	$2,019	-9%
Powell Butte	$1,978	-11%
Riley	$1,902	-14%
Arlington	$1,973	-11%
Athena	$1,977	-11%
Baker City	$1,896	-15%
Halfway	$1,953	-12%
Wallowa	$1,990	-10%
Malin	$2,077	-6%
Gales Creek	$2,150	-2%
Hammond	$2,054	-7%
Manzanita	$2,086	-5%
North Plains	$2,224	+1%
Myrtle Creek	$1,992	-10%
Ophir	$2,023	-8%
Powers	$2,068	-6%
Reedsport	$2,001	-9%
Springfield	$1,941	-12%
Westlake	$2,050	-7%
Winston	$1,962	-11%
Beaverton	$2,280	+4%
Hubbard	$2,208	+0%
Rufus	$2,038	-8%
Welches	$2,305	+5%
Aumsville	$2,094	-5%
Foster	$1,999	-10%
Lincoln City	$2,077	-6%
Allegany	$2,026	-8%
Astoria	$2,036	-8%
Nehalem	$2,086	-5%
Pacific City	$2,151	-2%
Saint Paul	$2,191	-0%
Tillamook	$2,134	-3%
Warrenton	$2,041	-7%
Bay City	$2,108	-4%
Clackamas	$2,421	+10%
Estacada	$2,405	+9%
Mosier	$2,056	-7%
Oregon City	$2,329	+6%
Wasco	$2,050	-7%
Gresham	$2,617	+17%
Arch Cape	$2,106	-4%
Carlton	$2,195	-0%
Wheeler	$2,101	-5%
Banks	$2,144	-3%
Dayton	$2,189	-0%
Gaston	$2,226	+1%
Tolovana Park	$2,102	-4%
Fort Klamath	$2,117	-4%
Lakeview	$2,000	-9%
Sprague River	$2,111	-4%
Summer Lake	$2,005	-9%
Bend	$1,944	-12%
Culver	$2,056	-7%
Pendleton	$1,923	-13%
Canyon City	$1,979	-10%
Ione	$2,014	-9%
Irrigon	$1,963	-11%
Mount Vernon	$1,977	-11%
Pilot Rock	$1,993	-10%
Seneca	$1,991	-10%
Spray	$1,998	-10%
Chemult	$2,062	-6%
Lexington	$2,010	-9%
Monument	$2,021	-8%
Ukiah	$1,982	-10%
Idanha	$2,091	-5%
Jefferson	$2,037	-8%
Sheridan	$2,145	-2%
Tangent	$1,912	-14%
Broadbent	$2,059	-7%
Cheshire	$2,039	-7%
Days Creek	$2,017	-9%
Dillard	$2,054	-7%
Cottage Grove	$1,929	-13%
Wedderburn	$2,047	-7%
Medford	$1,910	-14%
Beavercreek	$2,367	+7%
Canby	$2,194	-0%
Maupin	$2,082	-5%
Tualatin	$2,182	-1%
Woodburn	$2,228	+1%
Gates	$2,129	-3%
Rickreall	$2,123	-3%
Scotts Mills	$2,220	+1%
Turner	$2,094	-5%
Eugene	$1,959	-12%
Cloverdale	$2,154	-2%
Cornelius	$2,238	+2%
Oceanside	$2,119	-4%
Yamhill	$2,180	-1%
Silver Lake	$2,040	-7%
Burns	$1,960	-11%
Frenchglen	$1,888	-15%
Boardman	$1,921	-13%
Haines	$1,926	-13%
Helix	$2,005	-9%
Keno	$2,118	-4%
Camp Sherman	$2,054	-7%
Prineville	$1,973	-11%
Terrebonne	$2,000	-9%
Umatilla	$1,951	-12%
Aurora	$2,180	-1%
Colton	$2,380	+8%
Gervais	$2,212	+1%
Hood River	$1,960	-11%
Rhododendron	$2,316	+5%
Warren	$2,099	-5%
Shaniko	$2,041	-7%
West Linn	$2,198	-0%
Damascus	$2,445	+11%
Ashwood	$1,987	-10%
Crane	$1,857	-17%
Bates	$1,953	-12%
Bridgeport	$1,933	-13%
Echo	$1,938	-13%
Joseph	$1,978	-11%
La Grande	$1,893	-15%
Lostine	$1,978	-11%
North Powder	$1,926	-13%
Unity	$1,937	-13%
Jordan Valley	$1,959	-11%
Diamond	$1,898	-15%
Gilchrist	$2,034	-8%
Madras	$2,033	-8%
Post	$1,938	-13%
John Day	$1,969	-11%
Chiloquin	$2,111	-4%
Lyons	$2,083	-5%
Mill City	$2,112	-4%
Shedd	$1,934	-13%
Toledo	$2,061	-6%
Blue River	$2,067	-6%
Coos Bay	$1,980	-10%
Crawfordsville	$2,021	-8%
Dallas	$2,079	-6%
Monmouth	$2,062	-6%
Seal Rock	$2,050	-7%
Brookings	$1,986	-10%
Gold Beach	$1,956	-12%
Jacksonville	$1,982	-10%
Trail	$2,085	-5%
Donald	$2,229	+1%
Kent	$1,979	-11%
Rainier	$2,133	-3%
The Dalles	$2,046	-7%
Vernonia	$2,147	-2%
Fields	$1,892	-15%
Princeton	$1,889	-15%
Mitchell	$2,025	-8%
Dayville	$1,990	-10%
Hereford	$1,933	-13%
Imbler	$1,952	-12%
Mapleton	$2,041	-7%
Tenmile	$1,976	-11%
Umpqua	$2,066	-6%
Vida	$2,055	-7%
Walton	$2,019	-9%
Westfir	$2,055	-7%
Shady Cove	$2,169	-1%
Bly	$2,103	-4%
Bonanza	$2,131	-3%
Riverside	$1,966	-11%
Corvallis	$1,895	-15%
Scio	$2,056	-7%
Alvadore	$2,012	-9%
Azalea	$2,033	-8%
Bandon	$1,988	-10%
Camas Valley	$2,047	-7%
Harrisburg	$1,994	-10%
Noti	$2,130	-3%
White City	$1,961	-11%
Grants Pass	$1,921	-13%
Vale	$1,923	-13%
Durkee	$1,920	-13%
Harper	$1,915	-14%
Ironside	$1,900	-15%
Ontario	$1,910	-14%
Clatskanie	$2,107	-4%
Sandy	$2,423	+10%
Wilsonville	$2,168	-1%
Boring	$2,405	+9%
Grass Valley	$2,044	-7%
Lake Oswego	$2,216	+1%
Dufur	$2,090	-5%
Moro	$2,026	-8%
Saint Helens	$2,122	-4%
Tygh Valley	$2,100	-5%
Scappoose	$2,119	-4%
Amity	$2,170	-1%
Sublimity	$2,100	-5%
Gleneden Beach	$2,131	-3%
Garibaldi	$2,107	-4%
Seaside	$2,085	-5%
Grand Ronde	$2,106	-4%
Logsden	$2,097	-5%
Otter Rock	$2,026	-8%
Stayton	$2,046	-7%
Waldport	$2,057	-7%
Canyonville	$2,011	-9%
Cascadia	$2,002	-9%
Detroit	$2,122	-4%
Independence	$2,095	-5%
South Beach	$2,045	-7%
Philomath	$1,949	-12%
Saint Benedict	$2,221	+1%
Neskowin	$2,129	-3%
Brightwood	$2,315	+5%
Eagle Creek	$2,412	+9%
Troutdale	$2,536	+14%
Albany	$1,916	-14%
Eddyville	$2,070	-6%
Neotsu	$2,098	-5%
Tidewater	$2,104	-4%
Plush	$1,991	-10%
Adams	$1,995	-10%
Elgin	$1,976	-11%
Mikkalo	$1,994	-10%
Summerville	$1,984	-10%
Sumpter	$1,978	-11%
Dundee	$2,185	-1%
Manning	$2,141	-3%
Cascade Locks	$2,099	-5%
Corbett	$2,430	+10%
Fairview	$2,585	+16%
Government Camp	$2,296	+4%
Molalla	$2,340	+6%
Alsea	$2,063	-6%
Blodgett	$2,052	-7%
Depoe Bay	$2,085	-5%
Falls City	$2,169	-1%
Halsey	$1,938	-13%
Lebanon	$1,951	-12%
Otis	$2,121	-4%
Siletz	$2,087	-5%
Willamina	$2,122	-4%
Coquille	$1,975	-11%
Beaver	$2,139	-3%
Forest Grove	$2,187	-1%
Rockaway Beach	$2,103	-4%
Prairie City	$1,944	-12%
Sutherlin	$1,978	-11%
Swisshome	$2,022	-8%
Tiller	$2,073	-6%
Winchester	$1,963	-11%
Yoncalla	$1,990	-10%
Adel	$1,940	-12%
Elkton	$2,070	-6%
Glendale	$2,043	-7%
Myrtle Point	$2,039	-8%
Veneta	$2,046	-7%
Central Point	$1,895	-15%
Eagle Point	$1,974	-11%
Gold Hill	$1,960	-11%
Kerby	$2,036	-8%
Selma	$2,068	-6%
Merlin	$2,021	-8%
Murphy	$2,042	-7%
Prospect	$2,102	-4%
Lakeside	$1,973	-11%
Riddle	$2,039	-8%
Wilbur	$1,991	-10%
Butte Falls	$2,090	-5%
Drewsey	$1,902	-14%
Arock	$2,006	-9%
Brogan	$1,917	-14%
Christmas Valley	$2,067	-6%
Crescent	$2,052	-7%
Redmond	$1,949	-12%
Cove	$1,951	-12%
Heppner	$2,022	-8%
Long Creek	$2,006	-9%
Meacham	$1,986	-10%
Antelope	$2,029	-8%
Columbia City	$2,156	-2%
Marylhurst	$2,269	+3%
Deer Island	$2,162	-2%
Creswell	$1,976	-11%
Weston	$2,013	-9%
Jamieson	$1,902	-14%
O Brien	$2,106	-4%
Wilderville	$2,079	-6%
Beatty	$2,098	-5%
Huntington	$1,925	-13%
Juntura	$1,927	-13%
Oakridge	$2,001	-9%
Scottsburg	$2,079	-6%
Rogue River	$2,017	-9%
Talent	$1,919	-14%
Crater Lake	$2,115	-4%
Bridal Veil	$2,424	+10%
Gladstone	$2,335	+6%
Mount Hood Parkdale	$2,066	-6%
Mulino	$2,334	+6%
Nyssa	$1,906	-14%
Hebo	$2,166	-1%
Dexter	$1,993	-10%
Glide	$2,056	-7%
Marcola	$2,022	-8%
Pleasant Hill	$1,946	-12%
Port Orford	$1,969	-11%
Mount Angel	$2,191	-0%
Newport	$2,028	-8%
Mehama	$2,096	-5%
Blachly	$2,052	-7%
Happy Valley	$2,544	+15%
Brownsville	$1,960	-11%
Silverton	$2,137	-3%
Sweet Home	$1,996	-10%
Agness	$1,992	-10%
Fall Creek	$2,016	-9%
Gardiner	$1,994	-10%
Idleyld Park	$2,056	-7%

Average car insurance costs by age and gender in Oregon

In Oregon, car insurance companies are permitted to use age and gender as rating factors for auto insurance premiums. In the table below, you can see the average car insurance rates by age for male and female drivers in Oregon.

Age 40

Average annual full coverage premium in OR

$2,186

Average minimum coverage premium in OR

$883

Age 50

Average annual full coverage premium in OR

$2,037

Average minimum coverage premium in OR

$845

Age 60

Average annual full coverage premium in OR

$1,975

Average minimum coverage premium in OR

$834

Age 70

Average annual full coverage premium in OR

$2,167

Average minimum coverage premium in OR

$943


Age 16*	Average annual full coverage premium in OR $5,060	Average minimum coverage premium in OR $2,105
Age 18	Average annual full coverage premium in OR $6,570	Average minimum coverage premium in OR $2,678
Age 20	Average annual full coverage premium in OR $4,665	Average minimum coverage premium in OR $1,852
Age 25	Average annual full coverage premium in OR $2,793	Average minimum coverage premium in OR $1,090
Age 30	Average annual full coverage premium in OR $2,372	Average minimum coverage premium in OR $923
Age 40	Average annual full coverage premium in OR $2,186	Average minimum coverage premium in OR $883
Age 50	Average annual full coverage premium in OR $2,037	Average minimum coverage premium in OR $845
Age 60	Average annual full coverage premium in OR $1,975	Average minimum coverage premium in OR $834
Age 70	Average annual full coverage premium in OR $2,167	Average minimum coverage premium in OR $943

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Age 40

Average annual full coverage premium in OR

$2,211

Average minimum coverage premium in OR

$938

Age 50

Average annual full coverage premium in OR

$2,062

Average minimum coverage premium in OR

$893

Age 60

Average annual full coverage premium in OR

$1,982

Average minimum coverage premium in OR

$867

Age 70

Average annual full coverage premium in OR

$2,157

Average minimum coverage premium in OR

$967


Age 16*	Average annual full coverage premium in OR $4,721	Average minimum coverage premium in OR $2,057
Age 18	Average annual full coverage premium in OR $5,958	Average minimum coverage premium in OR $2,553
Age 20	Average annual full coverage premium in OR $4,287	Average minimum coverage premium in OR $1,794
Age 25	Average annual full coverage premium in OR $2,692	Average minimum coverage premium in OR $1,117
Age 30	Average annual full coverage premium in OR $2,364	Average minimum coverage premium in OR $971
Age 40	Average annual full coverage premium in OR $2,211	Average minimum coverage premium in OR $938
Age 50	Average annual full coverage premium in OR $2,062	Average minimum coverage premium in OR $893
Age 60	Average annual full coverage premium in OR $1,982	Average minimum coverage premium in OR $867
Age 70	Average annual full coverage premium in OR $2,157	Average minimum coverage premium in OR $967

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Bankrate’s take: Broadly, car insurance rates are a calculation of risk: if you pose a higher risk of filing a claim with your insurance provider, it is likely your insurer will charge you more for your policy. That is why men typically pay more for car insurance than women: statistics show that men are more likely to drive dangerously and engage in risky practices, which in turn could lead to an expensive claim.

Cost considerations for young drivers in Oregon

Car insurance rates vary for young drivers on their own policy compared to drivers on their parents’ policy. The average cost of car insurance in Oregon will likely be cheaper for younger drivers if they choose to remain on their parents’ policy instead of purchasing their own.


Age 16*	Avg. annual premium for drivers in OR $4,890
Age 17	Avg. annual premium for drivers in OR $4,408
Age 18	Avg. annual premium for drivers in OR $4,007
Age 19	Avg. annual premium for drivers in OR $3,562
Age 20	Avg. annual premium for drivers in OR $3,350

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied


Age 18	Avg. annual premium for drivers in OR $6,264
Age 19	Avg. annual premium for drivers in OR $5,004
Age 20	Avg. annual premium for drivers in OR $4,476

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Age	Avg. annual premium difference for drivers on their own policy
Age 18	56 percent more
Age 19	40 percent more
Age 20	34 percent more

*18- and 20-year-old are renters on their own policies with no discounts applied

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How does driving record impact the cost of car insurance in Oregon?

Safe drivers typically pay lower car insurance rates due to their lower likelihood of filing claims. Any violations on your record, like an at-fault accident or a speeding ticket conviction, may cause a rate increase. In the table below, you can see how much insurance premiums increase on average after a single speeding ticket conviction, at-fault accident or DUI.


Clean driving record	Avg. annual premium* in OR $2,198	Percentage increase from OR avg. annual premium* 0%
Speeding ticket conviction	Avg. annual premium* in OR $2,776	Percentage increase from OR avg. annual premium* 26%
At-fault accident	Avg. annual premium* in OR $3,297	Percentage increase from OR avg. annual premium* 50%
DUI conviction	Avg. annual premium* in OR $3,858	Percentage increase from OR avg. annual premium* 76%

*The rates reflected are for full coverage policies.

Car insurance rates in Oregon by credit score

Oregon auto insurance companies use your credit history as a rating factor. In general, drivers with excellent credit pay the lowest car insurance rates and drivers with poor credit pay much higher rates. This is because actuarial data has shown that drivers with poor credit history are more likely to file claims. Below are the average car insurance rates in Oregon based on credit tier:


Poor	Avg. annual premium* in OR $4,047	Percentage change from OR average annual premium* 84%
Average	Avg. annual premium* in OR $2,395	Percentage change from OR average annual premium* 9%
Good	Avg. annual premium* in OR $2,198	Percentage change from OR average annual premium* 0%
Excellent	Avg. annual premium* in OR $1,920	Percentage change from OR average annual premium* -13%

*Rates reflect full coverage policies.

Oregon car insurance rates by vehicle type

Your car insurance rates will also depend on your vehicle type. Car insurance premiums are based in part on the specific make and model of your vehicle. In the table below, you can see the average Oregon car insurance premiums for several popular vehicles.


Toyota Camry	Avg. annual premium* in OR $2,198
Ford F-150	Avg. annual premium* in OR $2,123
Honda Odyssey	Avg. annual premium* in OR $1,939
BMW 330i	Avg. annual premium* in OR $2,682
Toyota Prius	Avg. annual premium* in OR $2,237

*Rates reflect full coverage policies.

Estimate your car insurance cost in Oregon

The rates we listed above demonstrate that the cost of your car insurance policy will depend on a multitude of factors. To help you get a better idea of what your insurance costs may be, Bankrate created the calculator tool below. After you enter a couple of pieces of basic information, you will be presented with a rough estimate of your car insurance costs. It is not an exact quote, but it can give you more insight into how much to budget for your policy.

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How to save on car insurance in Oregon

Car insurance rates in Oregon are not overly expensive, on average, but there are ways you may be able to save even more money and earn a lower premium. Here are some suggestions for getting cheap car insurance:

Get several quotes: To find the best rate for your coverage preferences, you may want to request multiple car insurance quotes from different carriers. This way, you can evaluate coverage options and pricing to find the right carrier.
Improve your credit score: If you have a poor credit score, you may pay a higher 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 premium upfront and in full may help you get a cheaper rate, if you can afford the out-of-pocket cost.
Take a defensive driver course: Many insurance companies offer a discount to drivers who complete an approved defensive driver or driver safety course.
Raise your deductibles: Increasing your comprehensive and collision deductibles can lower your premium. Just make sure you can afford a higher deductible if you need to file a claim.
Switch carriers: If you find a different insurance company that can offer you a better deal, you can usually switch carriers during your policy period. You’ll want to check if your current insurer has any fees associated with policy cancellation.

Frequently asked questions

There’s no single best car insurance company in Oregon since insurance is unique for every driver. To help you identify the best provider for you, consider what you value from an insurance company. For instance, if you have a prior incident on your driving record, you might want a company that offers affordable coverage to high-risk drivers. If you work from home, you might look for a company that offers usage-based insurance or a good telematics discount. Once you’ve narrowed down providers, you can request several quotes to compare coverage and cost.
The cheapest car insurance company in Oregon may be different for everyone, as many personal factors determine the price. Travelers, Geico, Mutual of Enumclaw and Capital are among some of the cheapest car insurance companies in Oregon, based on Bankrate’s research. You may want to request quotes from several of these providers before you make your decision. Don’t forget to factor in multi-car discounts and good student or safe driver discounts, which might reduce your monthly insurance premium.
Every state has different car insurance requirements. In Oregon, drivers must carry at least 25/50/20 in personal liability insurance, as well as 25/50 in uninsured motorist insurance and $15,000 in PIP per person. However, insurance professionals generally recommend that drivers purchase higher coverage limits or get a full coverage policy, which provides physical damage protection. Driving without insurance in Oregon is against the law, and the penalties could be steep. Drivers who are caught operating a vehicle without proper insurance may face fines, license suspension and may even need to maintain an SR-22 certificate for up to three years.
On average, Oregon drivers pay $183 per month for a full coverage car insurance policy and $76 per month for minimum coverage. However, these are just average rates. Exactly what you pay for your Oregon car insurance policy will change depending on your age, gender, credit history, driving history, vehicle make and model and other factors.

Premium

A premium is the amount the policyholder pays to the insurance company, typically on a monthly, semi-annual or annual basis, to maintain an active insurance policy.

Full coverage car insurance

Full coverage car insurance provides physical damage coverage for your own vehicle. It typically includes comprehensive and collision coverage in addition to state-mandated liability coverage.

Deductible

A deductible is the amount the policyholder agrees to pay out-of-pocket before the insurance company begins to cover expenses related to a claim.

Methodology

Bankrate utilizes Quadrant Information Services to analyze July 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
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.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.

Written by

Natalie Todoroff

Writer II, Insurance

Average cost of car insurance in Oregon for 2025

How much is car insurance in Oregon?

Key takeaways

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Get quotes

Calculate your premium

Do some research

Oregon car insurance rates by city

Average car insurance costs by age and gender in Oregon

Cost considerations for young drivers in Oregon

Compare auto insurance rates

How does driving record impact the cost of car insurance in Oregon?

Car insurance rates in Oregon by credit score

Oregon car insurance rates by vehicle type

Estimate your car insurance cost in Oregon

Calculate your monthly car insurance payment

How to save on car insurance in Oregon

Frequently asked questions

What is the best car insurance company in Oregon?

What is the cheapest car insurance company in Oregon?

How much car insurance is required in Oregon?

How much is car insurance per month in Oregon?

Key terms in this article

Methodology

Rates

Other profiles

Credit-based insurance scores:

Incidents:

Mileage:

Model:

Age:

Gender:

Status: