Average Cost of Car Insurance in Oregon for 2026

Full coverage in Oregon costs $1,376 per year, $117 less than the $1,493 national average. Minimum coverage costs $695 per year, $31 below the national average of $726. Oregon beats the national average on both policy types, though the full coverage savings are more than three times larger.

Oregon's rates reflect several structural factors. The state mandates $15,000 in personal injury protection coverage, adding roughly $200 to $400 per year to every driver's premium regardless of driving record. At 14.7%, Oregon's uninsured motorist rate is slightly below the national average of 15.4%, according to the Insurance Information Institute, which keeps that cost pressure lower than in most states. Wildfires also generate large insurance payouts across the state, which can lead to higher rates in fire-prone areas in particular.

Vermont holds the national low at $75 per month for full coverage; Florida is near the top at $243 per month. Oregon at $115 per month falls just above Arkansas ($114) and just below New Mexico ($116), placing it near the middle of the national range.

State minimum liability costs $62 per month in Oregon. Full coverage at 100/300/100 limits with a $1,000 deductible costs $123 per month, a $61 monthly difference. Adding comprehensive and collision to minimum liability costs $16 more per month at a $1,000 deductible ($78 per month total), protecting your vehicle against Oregon's wildfire smoke damage, flooding and theft exposure.

These averages follow an unusual pattern that's worth understanding before comparing options. Two combinations come in below full coverage in our data but carry lower liability limits: the 50/100/50 policy with a $500 deductible at $118 per month ($5 less than full coverage) and the Minimum Liability + $250 Deductible at $119 per month ($4 less). Two combinations cost more than full coverage: the $0 deductible option and the 300/500/300 + $1,500 deductible both come in at $131 per month. Your own quotes at each limit level may land differently, so it's worth running all three before assuming the cheaper-looking option will hold for your profile. Full coverage sits sixth out of eight rows in the table, so position alone won't tell you where the best value is.

Full coverage ranges from $186 per month in Gresham to $95 per month in Bend, a $91 monthly difference across Oregon's 10 most populous cities. That spread is wider than the vehicle range between a Tesla Model Y and a Ford F-150 ($60 per month). In Oregon, where you live moves your premium more than any single vehicle decision you make.

Gresham's $186 rate reflects heavy traffic on corridors like Powell Boulevard, elevated accident frequency and vehicle theft rates in the Portland metro it borders. Bend's mountain location and smaller population produce lower traffic hazards and crime rates, keeping full coverage 49% below Gresham's figure. Portland itself comes in at $145 per month, $41 less than Gresham despite sharing the same metro area. That within-metro variation alone is larger than the difference between the cheapest and most expensive company in the state.

Teen drivers are the most expensive addition to any Oregon policy. A 16-year-old male adds $204 per month over the 40-year-old baseline, bringing a family policy to $327 per month. A 16-year-old female comes in at $303 per month, $24 less at 16, a difference that reflects Oregon's use of gender as a rating factor.

That $24 gender difference shrinks faster in Oregon than in most states. By 25, male drivers average $174 per month and female drivers $172 per month, a $2 difference that's essentially a wash. Drivers under 18 can't get their own individual policy, so the family plan is the only path for that age group. Through the early 20s, family plan rates are lower than individual rates, though some companies start pricing individual policies competitively around 19 and 20. At that point, comparing both options is worth the time. Use our free calculator to estimate your Oregon car insurance cost based on your driver profile.

Oregon's DUI surcharge more than doubles the clean-record premium, adding $128 per month and pushing full coverage from $123 to $251 per month, a 104% increase. That's one of the largest DUI multipliers of any state in our data. Not-at-fault accidents also carry a penalty: a not-at-fault accident adds $8 per month ($96 per year), raising the monthly rate from $123 to $131.

Speeding adds $36 per month ($432 per year) and an at-fault accident adds $59 per month ($708 per year). Violations affect rates for three to five years, so re-shopping at the three-year mark after any single violation captures available market savings before your current insurer applies them at renewal. Drivers with a DUI or multiple violations may need to file an SR-22 certificate. Our high-risk car insurance guide for Oregon covers what that process involves and which companies are most likely to work with affected drivers.

Oregon drivers with bad credit pay $253 per month for full coverage compared to $110 for good credit, a $143 monthly difference that adds up to $1,716 more per year. That annual penalty exceeds Oregon's entire minimum coverage cost ($695 per year) by more than $1,000, making credit the single largest cost variable on this page, larger than city location ($91 per month), a DUI ($128 per month) and vehicle choice ($60 per month).

Oregon permits insurers to use credit-based insurance scores when setting premiums. Improving your credit score reduces your rate at each renewal without any change to your coverage or driving behavior. Drivers with bad credit should re-shop every six to twelve months as their score improves, since insurers reprice at renewal rather than mid-term.

Your [vehicle choice affects your insurance budget](Insuring a Tesla Model Y in Oregon costs $221 per month for full coverage compared to $161 for a Ford F-150, a $60 monthly difference equal to $720 per year. That vehicle range is narrower than Oregon's city spread of $91 per month, which is unusual. In most states, vehicle choice moves the premium more than city location. In Oregon, where you live matters more than what you drive. The Toyota RAV4 and Tesla Model 3 both price at $193 per month, an unusual tie between a conventional SUV and an EV. Oregon's wildfire smoke and flooding create comprehensive claim exposure that affects all vehicles. EVs carry additional repair complexity from battery and sensor systems, but the state's overall claim environment compresses the EV premium relative to states with less weather risk. The Honda Accord and Toyota Prius cluster near the Camry at $183 to $184 per month, making mid-size sedan and hybrid pricing nearly interchangeable in Oregon.). Insuring a Tesla Model Y in Oregon costs $221 per month for full coverage compared to $161 for a Ford F-150, a $60 monthly difference equal to $720 per year. That vehicle range is narrower than Oregon's city spread of $91 per month, which is unusual. In most states, vehicle choice moves the premium more than city location. In Oregon, where you live matters more than what you drive.

The Toyota RAV4 and Tesla Model 3 both price at $193 per month, an unusual tie between a conventional SUV and an EV. Oregon's wildfire smoke and flooding create comprehensive claim exposure that affects all vehicles. EVs carry additional repair complexity from battery and sensor systems, but the state's overall claim environment compresses the EV premium relative to states with less weather risk. The Honda Accord and Toyota Prius cluster near the Camry at $183 to $184 per month, making mid-size sedan and hybrid pricing nearly interchangeable in Oregon.

Credit score and driving record produce the largest cost differences for Oregon drivers: bad credit adds $143 per month over good credit, and a DUI adds $128 per month over a clean-record baseline. Both figures exceed Oregon's $91 monthly city range and $60 monthly vehicle range, meaning violations and credit dominate all geographic and vehicle factors in the state.

No two Oregon drivers get the same rate. Your driving record, credit score, city and vehicle all interact differently with each company's pricing model, which is why the [cheapest option for one Oregon driver](No two Oregon drivers get the same rate. Your driving record, credit score, city and vehicle all interact differently with each company's pricing model, which is why the cheapest option for one driver won't be cheapest for another. Getting quotes from at least three companies shows you where the market actually prices your profile. The company range in Oregon is wide enough to act on: Progressive and Travelers both come in at $82 per month for full coverage, while Mutual of Enumclaw charges $119 per month for the same coverage. That's $37 per month, or $444 per year, for an identical policy. In a state where credit and city location already create large fixed cost pressures, company choice is one of the few variables entirely within your control. Rate rankings across all available companies are in our Oregon car insurance company rankings, and drivers weighing service and claims quality alongside price can find our top-rated Oregon insurers there as well.) won't be cheapest for another. Getting quotes from at least three companies shows you where the market actually prices your profile.

The company range in Oregon is wide enough to act on: Progressive and Travelers both come in at $82 per month for full coverage, while Mutual of Enumclaw charges $119 per month for the same coverage. That's $37 per month, or $444 per year, for an identical policy. In a state where credit and city location already create large fixed cost pressures, company choice is one of the few variables entirely within your control.

Drivers weighing service and claims quality alongside price can learn about our rankings of the top-rated Oregon insurers.

Your city, age, driving record and coverage level each affect what you pay for car insurance in Oregon, with some factors creating rate differences of hundreds of dollars per year.

We used this profile to determine auto insurance costs across all available ZIP codes and cities throughout Oregon.

• 40 years old
• Clean driving record
• Good credit
• 2012 Toyota Camry LE

Sections on cost by age and driving record use rates for those driver profiles, with all other factors held constant.

Minimum coverage is a state's minimum liability coverage. Full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.