MoneyGeek's home insurance calculator delivers a personalized rate estimate based on your coverage limits, location, home age, credit score and more, giving you a realistic picture of what Oregon homeowners in your situation typically pay. Select your details below to get average home insurance premiums tailored to your specific profile.
Home Insurance Calculator in Oregon
Updated: June 1, 2026
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Key Takeaways
Oregon homeowners pay an average of $94 per month ($1,124 per year) for $250,000 in dwelling coverage, which is 68% below the national average of $289 per month ($3,467 per year).
Calculating your home insurance coverage needs starts with estimating your home's replacement cost and the value of your personal property so you can select limits that fully protect you.
You can lower your Oregon home insurance rate by comparing providers. MoneyGeek's data shows a $621 annual spread between the cheapest option (Capital Insurance Group at $833 per year) and the most expensive (COUNTRY Financial at $1,454 per year).
Estimate Your Oregon Home Insurance Cost
Oregon Home Insurance Rate Calculator
A profile of 41 to 60-year-old homeowners with no prior claims insuring a 2,500-square-foot home with a $1,000 deductible.
Select Coverage Level
Select Deductible
Select Home Age
Select Credit Alignment
Average Monthly Premium—
Select Coverage Level
Average Monthly Premium—
Select Deductible
Select Home Age
Select Credit Alignment
How Oregon Home Insurance Costs Are Calculated
Home insurance rates in Oregon are shaped by a combination of factors that insurers evaluate when underwriting a policy, including coverage levels, your provider, city, house age, credit score and claims history. Each insurer assigns different weight to these factors, which is why two Oregon homeowners with similar profiles can receive very different quotes.
Coverage Level
Coverage level is one of the biggest cost drivers in home insurance because it directly determines how much your insurer will pay out in a claim. In our Oregon study, the lowest tier ($100K dwelling) averages $61 per month while the highest ($1MM dwelling) averages $275 per month, a $214 monthly difference. Choose a coverage level that matches your home's full replacement cost rather than its market value to avoid being underinsured after a loss.
Provider
Your choice of insurer has an outsized effect on what you pay, even for identical coverage on the same home. In Oregon, Capital Insurance Group averages $833 per year while COUNTRY Financial averages $1,454 per year for the same profile, a $621 annual spread. Always compare quotes from at least three providers before committing to a policy.
City
Where your home sits within Oregon meaningfully affects your premium because insurers price for local weather, crime and fire risk. Hillsboro averages $88 per month (7% below the state average) while Union averages $114 per month (22% above), and Portland and Eugene fall near the average at $91 and $90 per month respectively, based on our study. Factor in your specific location when budgeting, as rural eastern Oregon tends to run above the state average.
House Age
Older homes cost more to insure because aging systems, including electrical, plumbing and roofing, are more likely to fail and generate claims. In our Oregon data, newer homes average $71 per month while middle-age homes average $94 per month and older homes average $97 per month, a $23 to $26 monthly difference. Updating key systems before shopping for coverage can help reduce your premium.
Credit Score
Insurers in most states, including Oregon, use credit-based insurance scores as a proxy for claim likelihood, making your credit score a major pricing factor. In our analysis, Oregon homeowners with excellent credit pay $57 per month on average while those with poor credit pay $171 per month, a $114 monthly difference ($1,368 per year). Improving your credit score before renewing or shopping for coverage is one of the most effective ways to lower your premium.
Claims History
Insurers view prior claims as a signal of future risk, and even a single claim can raise your rate noticeably. In Oregon, a homeowner with one prior claim pays roughly $103 per month compared to $94 per month for a claim-free homeowner at a $1,000 deductible, and two claims push that to roughly $109 per month, based on our data. Consider paying smaller losses out of pocket to protect your claims-free discount for larger, unavoidable events.
All rates referenced on this page are based on MoneyGeek's analysis of quotes for a policy with $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and a $1,000 deductible.
MoneyGeek partnered with Quadrant Information Services to gather premium data from major national and regional insurers writing policies in Oregon, giving us a broad view of what insurers charge for the same home profile across different locations and risk factors. Our benchmark homeowner is 41 to 60 years old with good credit and no recent claims, insuring a 2000-built, wood-frame home with a composite shingle roof for $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability and a $1,000 deductible, a profile most Oregon insurers consider low-risk. Your actual premium will vary based on your home's age, construction, claims history and exact coverage limits, but our analysis provides a reliable baseline for evaluating whether your current rate is competitive. Learn more about our home insurance methodology.
How Much Home Insurance Do You Need in Oregon?
Dwelling coverage is the primary cost driver in a home insurance policy and should equal your home's full replacement cost, which is what it would cost to rebuild from the ground up at today's labor and material prices, not what you paid for it. Use the free calculator below to estimate the right dwelling coverage amount for your Oregon home.
How Much Personal Property Coverage Do You Need in Oregon?
Personal property coverage protects your belongings, including furniture, electronics, clothing and more, and the right amount depends on the total value of everything you own inside your home. Take a home inventory to add up the replacement value of your possessions, then use the free calculator below to find the personal property coverage limit that fits your needs.
How to Decide How Much Oregon Home Insurance to Buy
A standard Oregon home insurance policy is built around three core coverages that drive most of your premium: dwelling coverage, personal property coverage and personal liability coverage.
Dwelling Coverage
Dwelling coverage pays to repair or rebuild the physical structure of your home, including walls, roof, floors and attached structures, after a covered loss such as fire, windstorm or vandalism. Standard coverage options range from $100,000 to $1 million, though actual options depend on the provider. To determine the right amount, get a replacement cost estimate based on your home's square footage and local construction costs, then choose a limit that covers a full rebuild.
Personal Property Coverage
Personal property coverage reimburses you for the loss or damage of your belongings, including furniture, electronics, appliances and clothing, whether the loss occurs at home or elsewhere. Standard coverage options range from $50,000 to $500,000, though actual limits depend on the provider. Conduct a home inventory to tally the replacement value of your possessions and select a limit that covers everything you would need to replace.
Personal Liability Coverage
Personal liability coverage protects you financially if someone is injured on your property or you accidentally damage someone else's property, covering legal fees and judgments up to your policy limit. Standard coverage options range from $100,000 to $1 million, though actual limits depend on the provider. Choose a limit that at least equals your total net worth so a lawsuit cannot exceed your coverage and put your assets at risk.
How to Save on Home Insurance in Oregon
Oregon homeowners have several proven strategies to reduce their home insurance premium without sacrificing coverage. Follow the steps below to make sure you're getting the best and cheapest home insurance rate available for your specific profile.
- 1Compare Providers
Provider choice is the single largest variable in Oregon home insurance pricing. MoneyGeek's data shows Capital Insurance Group averages $833 per year while COUNTRY Financial averages $1,454 per year for the same profile, a $621 annual difference. If you own a newer home in the Portland metro area or Hillsboro where rates trend below the state average, start with Capital Insurance Group or USAA for the lowest baseline rates. If you own an older home in rural eastern Oregon where rates run higher, compare Allstate and Farmers for a balance of competitive pricing and broad availability. Always collect at least three quotes before choosing a policy.
- 2Bundle Home and Auto Insurance
Most major insurers offer a meaningful multi-policy discount when you combine your home and auto policies with the same carrier, and bundling home and auto insurance is one of the fastest ways to lower both premiums at once. Ask your current insurer what discount it offers for bundling and compare it against standalone quotes to confirm you're getting real savings.
- 3Ask About Available Discounts
Oregon insurers offer a range of discounts, including loyalty, claims-free, new home, protective device and paperless billing, that many homeowners never ask about. Providers available in Oregon such as State Farm, Allstate, Nationwide and Farmers each have their own discount programs, so review the home insurance discounts available and ask each carrier which ones apply to your profile.
- 4Raise Your Deductible
Increasing your deductible shifts more of the financial risk to you in exchange for a lower premium, and the savings in Oregon are meaningful. Raising the deductible from $500 to $1,000 saves roughly $82 per year, and moving from $1,000 to $2,000 saves another $111 per year. Make sure you have enough in savings to cover the higher out-of-pocket amount before a claim occurs.
Oregon Home Insurance Calculator: Bottom Line
Oregon is one of the most affordable states for home insurance, with the average homeowner paying $94 per month ($1,124 per year) for $250,000 in dwelling coverage, 68% below the national average. Provider comparison still matters: MoneyGeek's data shows a $621 annual spread between the cheapest provider (Capital Insurance Group at $833 per year) and the most expensive (COUNTRY Financial at $1,454 per year), meaning the difference between shopping carefully and settling for the first quote is substantial. Review MoneyGeek's guides to the best homeowners insurance and cheapest homeowners insurance to find the right policy for your Oregon home.
Oregon Home Insurance Estimate: FAQ
Oregon homeowners often have questions about what drives their premium and how to calculate the right amount of coverage. Below are answers to the most common questions about Oregon home insurance costs and coverage limits.
How much is home insurance in Oregon per month?
The average is $94 per month ($1,124 per year) for $250,000 in dwelling coverage, which is 68% below the national average of $289 per month ($3,467 per year). Your actual rate will vary based on your location within Oregon, coverage level, home age, credit score and claims history.
Is home insurance in Oregon required?
Oregon does not legally require homeowners insurance, but most mortgage lenders require it as a condition of your loan. Even if you own your home outright, carrying coverage is strongly advisable. Without it, you would bear the full cost of repairing or rebuilding your home after a fire, storm or other covered loss.
How do you calculate how much home insurance you need?
Start with your home's replacement cost, which is what it would cost to rebuild from scratch at today's labor and material prices, and set your dwelling coverage equal to that amount. Next, take a home inventory to estimate the total replacement value of your belongings and match your personal property coverage to that figure. Finally, choose a personal liability limit that at least equals your net worth to protect your assets in the event of a lawsuit. Our free calculator above can help you estimate both your replacement cost and personal property coverage needs.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.