Average cost of car insurance in Oregon for 2023

How much is car insurance in Oregon?

Before buying coverage, many drivers may search, “How much is car insurance in Oregon?” The average cost of car insurance in Oregon is $1,415 per year for full coverage and $616 per year for minimum coverage, according to Bankrate’s research. Keep in mind that car insurance rates can vary based on personal factors, like your ZIP code, age, credit score, claim history and driving record.

Oregon car insurance rates by city

The city and ZIP code you live in also factor into your Oregon car insurance rates. Insurance carriers 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. In the table below, you can see average Oregon car insurance rates in some of the state’s most populated cities.

Average car insurance costs by age and gender in Oregon

In Oregon, car insurance companies are allowed 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 on their own policy in Oregon.

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. In general, young drivers pay more when they have their own car insurance.

*16- and 17-year-old drivers must be on their parents’ policy.

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.

Car insurance rates in Oregon by credit tier

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:

Oregon car insurance rates by vehicle type

Your car insurance rates will also depend on your vehicle type. Car insurance premiums are based 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.

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, get 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.

Estimate your car insurance cost in Oregon

Frequently asked questions