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Average Cost of Car Insurance in Oregon for 2025

Car insurance in Oregon tends to be cheaper than the national average.
Updated July 7, 2025
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Whether you've lived in Oregon all your life or recently relocated to enjoy the state's breathtaking coastline and hiking trails, there's no denying the beauty of the Beaver State. But the state has a higher cost of living than most states, which means you'll pay slightly more for auto insurance too.

The average cost of car insurance in Oregon is about $149 per month, compared to the national average of $193. But there are some strategies you can use to save money. You can consider adjusting your deductible, signing up for usage-based coverage, or completing a safe driver course.

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Key takeaways

  • The average cost of car insurance in Oregon is $149 per month for full coverage and $99 per month for state-minimum insurance.
  • Teens pay an average of $313 per month for coverage.
  • Drivers are required to have uninsured motorist protection.

How much does car insurance cost in Oregon?

Car insurance is more expensive in Oregon. Full coverage policies that include liability, collision, and comprehensive protection average $149 per month, compared to a national average of $193.

State-minimum insurance averages $99 per month.

Avg. monthly cost for full coverage Avg. monthly cost for minimum coverage
$149 $99
Avg. monthly full coverage premium for young drivers Avg. monthly full coverage premium for seniors (60s) Avg. monthly full coverage premium for high-risk drivers
$313 $122 $182

Average cost of car insurance in Oregon by provider

As a resident of Oregon, you have several provider options. Large companies like Liberty Mutual and The General issue policies in the state, but you can also get coverage from smaller insurers like Root.

Provider Full coverage monthly Minimum liability coverage monthly
Liberty Mutual $195 $157
National General $168 $102
Root $176 $116
The General $192 $124
Dairyland $254 $119

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How does credit score affect car insurance rates in Oregon?

Although insurers can review drivers' credit histories, Oregon limits how that information can be used. Insurers in the state can use driver credit histories when deciding whether to issue a new policy, but they must demonstrate that they used several other factors if they deny a driver coverage.

They must also notify you that they will perform a credit check and, if your credit history adversely affected your rates, inform you about the reason for the higher rate.

With that said, having poor credit can still cause you to pay significantly more for car insurance in Oregon. Those with credit scores between 550 and 649 paid hundreds more than the state average for coverage.

Credit health Avg. monthly premium
Poor (550-649) $174
Average (650-699) $155
Good (700-749) $145
Excellent (750+) $131

Average car insurance rates for high-risk drivers in Oregon

Unfortunately, Oregon has a higher percentage of drunk driving fatalities than the national average.

It's a serious problem within the state. To offset the risk that individuals with driving under the influence (DUI) convictions or records of at-fault accidents present, insurers charge those drivers significantly higher rates.

Violation Avg. monthly full coverage premium
At-fault accident $200
DUI $206
Speeding ticket $199

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How does age affect car insurance rates in Oregon?

Generally, teens and young adults pay much more for car insurance than other age groups. In Oregon, 18-year-olds pay an average of $3,473 per month, more than double the premiums of drivers in their 40s.

Age Avg. monthly premium
Teens $313
20s $199
30s $162
40s $152
60s $122

Oregon car insurance rates by city

Your location plays a significant role in determining your car insurance premiums. If you live in a densely populated area with high auto theft or accident rates, you'll pay much more than other drivers.

City Avg. monthly full-coverage premium
Grants Pass $128
Portland $185
Corvallis $115
Salem $171
Redmond $124
Eugene $127

OR's minimum car insurance requirements

In most of the country, states require drivers to have insurance, and Oregon is no exception. Drivers must have policies that meet the following coverage minimums:

  • $25,000 in bodily injury protection for one person
  • $50,000 in bodily injury protection for two or more drivers
  • $20,000 in property damage protection

Oregon does have a high rate of uninsured drivers. According to the Insurance Research Council, 10.7% of drivers in the state are uninsured. As a result, the state also requires drivers to have uninsured motorist protection that meets the above requirements for liability coverage and $15,000 in personal injury protection (PIP).

How to save money on car insurance in Oregon

With the high cost of car insurance in Oregon, finding ways to reduce your premiums is a priority. With these tips, you could save some money:

  • Complete a mature driver course: In Oregon, drivers who are 55 and older may qualify for a discount if they complete an approved mature driver safety course.
  • Increase your deductible: If you have some money in an emergency fund, consider raising your deductible. A higher deductible means you'll have to pay more out of your pocket if you have a claim before insurance kicks in, but it will decrease your premiums.
  • Sign up for usage-based insurance (UBI): UBI policies — sometimes called pay-per-mile coverage — base your premiums on how and how much you drive. You could significantly reduce your premiums if you have a short commute and drive safely. In Oregon, UBI coverage is available from several insurers, including Allstate, State Farm, and Travelers.
  • Shop around: In Oregon, car insurance rates vary greatly by insurer. Doing homework and requesting quotes from the best car insurance companies could help you get the same coverage you now have at a lower price.

Methodology

Our analysis was conducted using six different auto insurance marketplaces to determine the average cost of auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.

FAQs about car insurance costs in OR

Is car insurance expensive in OR?

Car insurance in Oregon tends to be slightly more expensive than it is in some other states. The average cost for full coverage insurance is $149 per month,  compared to the national average of $193.

How much is car insurance per year in OR?

The average cost of car insurance in Oregon is $149 per month for policies that include collision, comprehensive, and liability coverage. For state minimum liability policies, the average price is $99 per month. 

Data throughout provided by Insurify

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