Average Cost of Car Insurance in Oregon for 2023

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 4% higher than the national average. 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.

Key takeaways:

• The average cost of car insurance in Oregon is $1,594 per year for full coverage and $850 per year for state-minimum insurance.
• Teens pay an average of $3,510 per year 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 $1,594 per year, about $65 more than the national average of $1,529.

State-minimum insurance averages $850 per year, $744 less than the average cost of full coverage.

Avg. cost for full coverage	Avg. cost for minimum coverage	Cheapest insurance provider
$1,594/year	$850/year	State Farm

Avg. for young drivers	Avg. cost for seniors	Avg. for high-risk drivers
$3,510/year	$1,450/year	$2,110/year

Average cost of car insurance in Oregon by provider

As a resident of Oregon, you have several provider options. Large companies like State Farm and Progressive issue policies in the state, but you can also get coverage from smaller insurers like Country Financial.

State Farm has the lowest average premiums for full coverage insurance. But for state-minimum policies, USAA could be a good choice; it had the lowest premiums in this category.

Provider	Full coverage	Minimum liability coverage
Country Financial	$1,142/year	$653/year
American Family	$1,446/year	$962/year
Allstate	$1,886/year	$1,171/year
GEICO	$1,433/year	$847/year
State Farm	$965/year	$593/year
Progressive	$1,417/year	$740/year
USAA	$988/year	$532/year

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 over $1,400 more than the state average for coverage.

Credit health	Avg. annual premium
Poor (550-649)	$3,046/year
Average (650-699)	$1,879/year
Good (700-749)	$1,615/year
Excellent (750+)	$1,349/year

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.

Those with DUI convictions will pay more than double the state average for car insurance, and an at-fault accident can increase premiums by an average of $1,738 annually.

Violation	Avg. annual premium before violation*	Avg. annual premium after violation	Avg. cost increase
At-fault accident	$1,615/year	$3,332/year	$1,738
DUI	$1,615/year	$3,499/year	$1,905
Speeding ticket	$1,615/year	$2,782/year	$1,188

*Assumes clean driving record with good credit

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 year, more than double the premiums of drivers in their 40s.

Age	Avg. annual premium
18	$3,473/year
25	$1,315/year
30	$1,473/year
40	$1,497/year
60	$1,385/year

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 accidents rates, you’ll pay much more than other drivers.

According to NeighborhoodScout, Gresham, Oregon has a crime rating of eight, which means that 92% of U.S. cities are safer. Drivers in Gresham pay an average of $1,986 per year for car insurance, which is about $392 more than the state average.

City	Avg. annual full-coverage premium
Portland	$1,829/year
Salem	$1,625/year
Eugene	$1,336/year
Hillsboro	$1,718/year
Bend	$1,463/year
Gresham	$1,986/year

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 that 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.

FAQs about car insurance costs in OR