MoneyGeek's home insurance calculator generates a personalized rate estimate based on your coverage limits, location, home age, credit score and more. It shows what Oregon homeowners in your situation actually pay. Enter your details to get average home insurance premiums for your specific profile.
Home Insurance Calculator in Oregon
Updated: July 16, 2026
Advertising & Editorial Disclosure
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 LevelCoverage 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 ($100,000 dwelling) averages $61 per month while the highest ($1 million 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.
ProviderYour 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.
CityWhere your home sits in Oregon affects your premium because insurers price for local weather, crime and fire risk. Hillsboro averages $88 per month, 7% below the state average. Union averages $114 per month, 22% above it. Portland and Eugene sit closest to the average, at $91 and $90 per month, based on our study. Rural eastern Oregon tends to run above the state average, so factor in your specific location when budgeting.
House AgeOlder 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 ScoreInsurers 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 HistoryInsurers 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. That's what it would cost to rebuild your home from the ground up at today's labor and material prices. Use the free calculator to estimate the dwelling coverage amount for your Oregon home.
Home Replacement Cost Estimator
A simple way to get a replacement cost estimate for your home is to find the average per-foot rebuilding cost for your area and multiply that by your home's overall square footage.
Home Details
sq. ft.
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.
Personal Property Coverage Calculator
When figuring out how much renters insurance you need, experts recommend the standard $100,000 in liability insurance and enough personal property protection to cover your possessions. Use MoneyGeek's calculator to estimate the value of your possessions so you know how much personal property coverage to buy.
clothing & accessories
Clothes, shoes, bags, belts, hats, gloves, etc.
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 CoverageDwelling coverage pays to repair or rebuild your home's structure after a covered loss like fire, wind or vandalism. That includes the walls, roof, floors and any attached structures such as a garage or deck. Standard limits span $100,000 to $1 million, though each provider sets its own range. Start with a replacement cost estimate based on your home's square footage and local construction costs, then pick a limit that covers a full rebuild rather than the home's market value.
Personal Property CoveragePersonal property coverage reimburses you when your belongings are lost, stolen or damaged, whether it happens at home or somewhere else. Furniture, electronics, appliances and clothing all fall under this coverage. Standard limits fall between $50,000 and $500,000, and the exact number depends on the insurer. A home inventory gives you a real number: add up what it would cost to replace everything you own, and set your limit there.
Personal Liability CoveragePersonal liability coverage steps in if someone is injured on your property or you accidentally damage someone else's belongings. It covers legal fees and any judgment up to your policy limit. Standard limits start at $100,000 and reach $1 million, with the top end varying by provider. Pick a limit close to your net worth. Anything lower leaves your savings exposed if a court judgment exceeds what your policy pays.
How to Save on Home Insurance in Oregon
Oregon homeowners have a few proven ways to cut their premium without losing coverage. The steps below show how to lock in a cheapest home insurance rate 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
Bundling home and auto insurance with the same carrier is one of the fastest ways to lower both premiums at once. Most major insurers offer a discount for it, sometimes reaching 10% to 25% off each policy. Ask your current insurer what it offers for bundling, then compare that against standalone quotes to confirm you're actually saving money.
- 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
Raising your deductible shifts more of the financial risk to you in exchange for a lower premium. In Oregon, moving from $500 to $1,000 saves roughly $82 per year, and moving from $1,000 to $2,000 saves another $111 per year. Before you raise it, make sure you have enough in savings to cover the higher out-of-pocket cost.
Oregon Home Insurance Calculator: Bottom Line
Oregon is one of the most affordable states for home insurance. The average homeowner pays $94 per month ($1,124 per year) for $250,000 in dwelling coverage, 68% below the national average. Provider still matters, though: MoneyGeek's data shows a $621 annual difference between the cheapest provider, Capital Insurance Group at $833 per year, and the most expensive, COUNTRY Financial at $1,454 per year.
Comparing quotes instead of settling for the first one can save you hundreds of dollars a year. 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 ask what drives their premium and how much coverage they actually need. Here are answers to the most common questions about Oregon home insurance costs and coverage limits.
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.
Oregon doesn't 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.
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 produces 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. No insurance company partnership influences his recommendations.
Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.