Average Cost of Car Insurance in Oregon

On average, Oregonians pay $99 a month for auto insurance or $1,191 each year. To get a better sense of how much you can expect to pay for car insurance in Oregon, we’ve broken down average costs by category.

By Age

Teens pay the most for auto insurance in Oregon at $3,711 each year. Families can save by adding teens to existing policies (rather than buying them separate policies) and shopping for teen driver discounts. Expect rates to drop at age 21 and again at age 25.

By Gender

Men pay more than women for auto insurance, in particular young male drivers versus young female drivers.

By Marital Status

Typically, married people pay less for auto insurance. In Oregon, the difference is slight, at $50 annually.

By Coverage Level

In Oregon, full coverage costs about twice as much as minimum coverage. Full coverage affords you greater financial protection in the event of an accident.

The following companies offer some of the cheapest insurance in Oregon.

The following strategies can help you lower your car insurance bill:

1. Evaluate your existing coverage: Consider whether any of your coverages are unnecessary or redundant. For example, if you have a AAA membership, you can likely drop towing and labor coverage.
2. Bundle policies: Many insurance companies offer discounts for purchasing multiple policies, sunny renters and auto. If you have policies with separate companies, see if you can save money by combining them.
3. Switch providers: If your current provider is raising your rates, consider getting quotes from other companies and switching your car insurance if you find something cheaper. To find the lowest prices, compare quotes from at least three providers to see your Oregon car insurance rates, whether you want the state minimum coverage or full coverage. Your ZIP code is a factor that will affect rates as well, so a cheap car insurance company in Oregon will depend partially on where you live.

The state of Oregon has the following auto insurance requirements:¹

Oregon is an at-fault state, meaning that whichever party caused the accident is financially responsible for injuries and damages. Oregon still requires drivers to carry personal injury protection (PIP), which helps pay for medical expenses, lost income and other losses you and your passengers sustained as a result of the accident.

An SR-22 is a certificate proving you hold the minimum state-required insurance. Typically, your insurance company will file the SR-22 for you for a small fee.

Here are some common reasons you would need an SR-22 in Oregon:

• You have a conviction for a DUI, driving without insurance or another serious violation.
• You are applying for a hardship or probationary permit.

You are reinstating your license after a suspension.

On average, Oregonians pay a little less for auto insurance than drivers in other states. In addition to bodily injury and property damage liability, Oregon requires all drivers to carry PIP and uninsured motorist coverage. State Farm, USAA, GEICO and Country Financial offer some of the lowest premiums.

To match customers with the best policies for their circumstances, AutoInsurance.com leverages millions of data points amassed over our two decades in the industry. In addition to our robust database, we gather information on state-specific laws, coverage requirements, SR-22s and fault systems to give you an accurate sense of how much you’ll pay.