Oregon's average home insurance cost is about $97 monthly, about $159 annually. This is $123 less per month, or $1,476 less annually, than the national average.
Average Home Insurance Cost in Oregon
Updated: November 7, 2025
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$220
High
$144
Average
$104
Low
Rates updated:
Dec 19, 2025
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Key Takeaways
Home insurance costs in Oregon vary from $1,454 per year to well over $9,974, depending on your financial history, coverage and provider.
Oregon's home insurance premiums are the 6th most affordable in the country; they are at 56% below the national average.
Determine what coverage you need to find the best home insurance in Oregon.
How Much Is Home Insurance in Oregon?
| Oregon Average | $97 | $1,159 | -56% |
| National Average | $220 | $2,635 | 0% |
*These rates represent a home built in 2000 out of frame with $250K Dwelling, $125K Personal Property, and $200K Liability coverage with a $1,000 deductible.
Average Home Insurance Cost by City
Various risk factors, such as home valuations and drastic weather changes, affect home insurance costs. For example, the average monthly home insurance cost in Eugene is around $92; in Salem, it’s higher at $95.
| Eugene | $92 | $1,100 |
| Gresham | $95 | $1,144 |
| Hillsboro | $90 | $1,080 |
| Portland | $90 | $1,082 |
| Salem | $95 | $1,142 |
*These rates represent a home built in 2000 out of frame with $250K Dwelling, $125K Personal Property, and $200K Liability coverage with a $1,000 deductible.
Why Is Home Insurance so Expensive in Oregon?
Home insurance is expensive in Oregon due to, for instance, more claims, the high risk of severe weather and state insurance laws. Below, we explain each factor in detail:
Rising Claims
As the number of insurance claims increases, insurers may raise premiums to cover the higher payout costs.
High Weather Risks
Areas with higher risks of weather-related damages, such as hurricanes or wildfires, often face steeper home insurance costs. Insurers adjust rates to account for potential claims from these events.
Rising Material and Labor Costs
The cost is directly affected by the prices of construction materials and labor. Home insurance premiums may also increase when these expenses rise to cover the additional costs.
State Insurance Laws
State-specific insurance regulations can influence the cost of home insurance. Mandates on coverage requirements or rate changes can lead to higher premiums.
What Affects Oregon Home Insurance Costs?
Similar to most home insurance companies, pricing is mainly affected by:
- Location
- Coverage chosen
- Home build details
- Provider chosen
- Credit
- Claims history
How Much Does Location Affect Home Insurance Costs?
Location plays an important role in Oregon home insurance rates. Costs can differ by as much as 6%, depending on weather risks and population in your area.
| Lowest | Portland | $92 | $1,100 |
| Highest | Oregon State Remnant Tier Aggregate | $101 | $1,218 |
How Much Does Coverage Affect Home Insurance Costs?
Home insurance rates in Oregon range from $654 to $3,503 a year. Coverage limits and deductibles influence these costs. Higher limits and lower deductibles raise premiums, while lower limits and higher deductibles reduce them.
| Lowest | $100K Dwelling / $50K Personal Property / $100K Liability | 2000 | $55 | $654 |
| Highest | $1MM Dwelling / $500K Personal Property / $1MM Liability | 500 | $292 | $3,503 |
How Much Do Home Details Affect Home Insurance Costs?
Homeowners insurance rates in Oregon range from $54 to $98 per month, based on factors such as home age, construction materials and roof type. These details influence replacement costs and the risk of damage or theft, making them the third-largest factor affecting insurance prices.
| Lowest | New | Superior | Tile | $54 | $652 |
| Highest | Old | Frame | Shake-Treated | $98 | $1,177 |
How Much Does the Provider You Choose Affect Home Insurance Costs?
In Oregon, your choice of insurer ranks as the fourth most important factor in home insurance costs. Rates can vary from 34% lower to 62% higher than the state average.
| Lowest | Capital Insurance Group | $62 | $742 |
| Highest | COUNTRY Financial | $153 | $1,835 |
How Much Does Credit Affect Home Insurance Costs?
A higher credit score shows greater reliability, which can help lower your home insurance costs. Premiums can vary by as much as 86%, with annual rates ranging from $834 to $3,188.
| Lowest | Excellent | $70 | $834 |
| Highest | Poor | $266 | $3,188 |
How Much Does Claims History Affect Home Insurance Costs?
Claims history has less influence on home insurance rates than other factors. It can change premiums by up to 18%, or about $249 a year.
| Lowest | Claim free for 5+ years | $94 | $1,131 |
| Highest | 2 claims in past 5 years | $133 | $1,594 |
Tips to Save on Oregon Home Insurance
Whether you're buying a new home or looking to cut costs on your current one, lowering your premiums is important. Try these tips to find affordable home insurance in Oregon.
- 1Find How Much Coverage You Need Beforehand
It is important to determine how much home insurance you need before buying. Also check out your standard coverage options.
- 2Research Costs and Discounts Beforehand
First, understand the average costs for you and your home. Always ask discounts, as insurers may apply certain reductions if requested.
- 3Compare Multiple Providers Through Different Avenues
To find the best coverage, use online comparison sites, brokers, provider websites, and agents.
- 4Consider Bundling Policies
Bundling policies can lead to savings. Discover more about combining home and auto insurance in Oregon.
- 5Reduce Your Personal Risk Profile
To get cheaper premiums on your home, consider making improvements like adding storm shutters or home security systems. Also, improving your credit score can decrease premiums drastically. For example, moving from a fair to a good credit score can save you 28% on average.
- 6See if You Are Eligible for State Programs
Florida offers programs to help get affordable coverage if you're denied traditional home insurance coverage. While these plans may not offer the same coverage amount as traditional policies, they meet mortgage requirements.
Oregon Home Insurance Calculator: Bottom Line
Home insurance costs vary with location and coverage. Find affordable rates by researching and comparing. Then, get the best deal using our estimate tool.
Homeowners Calculator Insurance Oregon: FAQ
To help estimate your expenses, MoneyGeek answers common questions about home insurance.
How much does homeowners insurance cost in Oregon?
Oregon's average monthly home insurance cost is $97 for a dwelling coverage of $250K. However, your rate will depend on factors like your credit score, liability and property coverage limits.
How do I know how much dwelling coverage to get?
While this study uses a baseline coverage of $250K, you can use the MoneyGeek homeowners insurance calculator to find the best coverage limit for your needs.
What factors affect home insurance costs the most?
Location, chosen coverage level, and provider have the most significant impact on insurance costs. Your credit score and home details also play a role.
How We Determined Our Oregon Home Insurance Estimates
When determining the average cost of home insurance in Oregon, we used a base profile for a simple estimate consistent with the following:
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Home Built Year: 2000
- Construction type: Frame
- Roof type: Composition
- $1,000 deductible
- No claims in the past 5+ years
- Fire protection level of 3
However, rates will vary widely depending on factors such as coverage level, provider chosen, the age of the home, other features of the home, insured credit and claims history, among other factors. All other combinations presented in this article assume the home was built in 2000.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.