We've gathered essential tips to help you shop for car insurance in Oregon with confidence and save.
Car Insurance Calculator Oregon
Use our Oregon car insurance calculator to get personalized quote estimates based on your age, driver profile, vehicle type and location.
Find out if you're overpaying for car insurance below.

Updated: May 12, 2025
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Get Oregon Car Insurance Estimates
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
May 13, 2025
Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
---|---|---|---|
1 | 92 /of 100 | $64 | |
2 | ![]() GEICO | 74 /of 100 | $94 |
3 | ![]() Nationwide | 88 /of 100 | $104 |
4 | 67 /of 100 | $127 | |
5 | ![]() Foremost | 70 /of 100 | $138 |
6 | 71 /of 100 | $155 |
Your Next Step:
Get your real quotes from trusted insurance providers.
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Key Takeaways
Insurers in Oregon will calculate your car insurance estimates based mainly on your vehicle, age, location, driving record, credit score and coverage level chosen.
Our car insurance costs estimates in Oregon can range anywhere from $793 to $3,260 per year depending on a variety of factors.
To get the best deal on Oregon car insurance, we recommend deciding on your coverage needs beforehand, researching rates and discounts and getting multiple provider quotes.
How To Calculate Oregon Car Insurance Costs and Save Money
Decide Coverage Needs Beforehand
Determine your coverage needs before shopping to avoid unnecessary costs. Consider your location, driving habits, vehicle, and financial situation. Use our calculator to find out how much coverage you need.
Research Costs and Discounts for You
Investigate average car insurance costs in Oregon based on your coverage level and driver profile. Look for discounts you may qualify for to explore additional savings.
Research the Cheapest Providers for You
With your coverage level and cost research, obtain provider estimates to identify potential savings. This helps pinpoint the cheapest car insurance in Oregon for you. Start with our calculator for personalized estimates.
Compare Multiple Providers Through Many Avenues
Comparing providers can lead to significant savings in Oregon. Utilize comparison sites, independent brokers, insurers' websites, and direct agencies to find varying prices for the same coverage.
Take Advantage of Oregon-Specific Programs
If you're an older driver, Oregon offers defensive driving courses that may minimize your increased rates. Insurance points differ depending on the violation.
Consider Non-Traditional Coverage Options
Options like pay-per-mile insurance are ideal for infrequent drivers. Telematics insurance rewards good driving, and automaker insurance programs may offer cost-effective alternatives.
What Affects Your Oregon Car Insurance Estimates?
Your car insurance premium in Oregon hinges on four main areas: vehicle details, driver profile, location and provider choice. Discover how each factor uniquely impacts rates for Oregonians by exploring the links below:
How Much Does Provider Chosen Affect Oregon Car Insurance Estimates?
The provider you choose is the most influential factor affecting car insurance estimates in Oregon. Depending on the provider, your rates can drop 44% or increase by as much as 135% compared to the average for Oregon drivers.
Lowest | Kemper | $65 | $776 |
Highest | Dairyland | $272 | $3,260 |
How Much Does Age Affect Oregon Car Insurance Estimates?
After your provider, age is the second most important factor for determining car insurance rates for Oregon drivers. Depending on your age, your rates can go up as much as 127% or decrease by as much as 44% compared to state averages. Car insurance premiums are highest when you are 16, decrease until you are 65, and then slightly increase after that point.
Lowest | 65 | $112 | $1,341 |
Highest | 16 | $472 | $5,661 |
How Much Does Credit Affect Oregon Car Insurance Estimates?
Credit scores are the third most impactful factor when determining car insurance rates in the Beaver State. The better your credit score, the lower your rates. In Oregon, full coverage rates can vary from $79 to $158 monthly.
Lowest | Excellent | $79 | $948 |
Highest | Poor | $158 | $1,895 |
How Much Does Coverage Affect Oregon Car Insurance Estimates?
Coverage is the fourth most important factor in determining auto insurance rates, with costs ranging from $794 per year for minimum coverage to $1,508 annually for full coverage. The higher your coverage level is for liability auto insurance, and the lower your deductible is for collision and comprehensive coverages, the more expensive your rates will be.
Lowest | State Minimum Liability Only | $66 | $794 |
Highest | 300/500/300 Full Cov. w/$1,500 Ded. | $126 | $1,508 |
How Much Does Driving Record Affect Oregon Car Insurance Estimates?
Your driving record is the fifth most influential factor changing car insurance rates in Oregon with rates changing up to 12.72%. Depending on how many violations you have and their severity, rates will vary widely.
Lowest | Clean | $116 | $1,386 |
Highest | DUI - BAC >= .08 | $165 | $1,976 |
Oregon Car Insurance Calculator: Bottom Line
Look into car insurance costs and what different companies offer. Then, use our calculator for an estimate. After that, gather several quotes. Compare them with our numbers. This way, you can spot the best value for your unique needs.
Oregon Car Insurance Estimate: FAQ
Below you will find answers to common questions about Oregon car insurance costs and estimates.
What is used to determine Oregon car insurance costs?
Personal details such as your age, credit score, driving record, the vehicle you drive and location affect how your rates are calculated the most. From there the provider you choose and the coverage level you want influence exactly how much you will pay past that.
How much is Oregon car insurance on average?
Oregon car insurance costs can range from $78 per month to up to $185 monthly on average.
How do I get the best car insurance in Oregon?
To secure the best car insurance in Oregon, assess your needs, compare prices and policies from different insurers and utilize online tools for customized quotes.
Our Oregon Car Insurance Estimate Methodology
For all costs and modifications of cost profiles presented, we used the following base profile:
- 40 years old
- Good credit
- Drives a 2012 Toyota Camry
- Clean driving record
About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.