Average Cost of Car Insurance in Oregon (2025)

Drivers in Oregon pay an average monthly rate of $120 for car insurance, which is slightly cheaper than the national average rate of $144 per month.

Oregon drivers may earn lower average premiums for a few reasons. First, Oregon has low population density, ranking in the bottom 20% of states for population density. Oregon also doesn’t typically have much extreme weather, like tornadoes or hurricanes, that could lead to massive insurance claims.

That said, car insurance costs in Oregon have increased sharply in the last two years, following national trends. Here’s what Oregon drivers need to know to find cheap car insurance that meets their needs.

How much is car insurance in Oregon? 

Liability-only coverage in Oregon costs an average of $93 per month, which adds up to an annual rate of $1,122. A liability policy will meet the state’s minimum coverage requirements for bodily injury liability and property damage liability coverage.

Full-coverage insurance — which typically includes collision, comprehensive, and liability coverage — costs Oregon drivers an average monthly rate of $146, or an annual rate of $1,749.

How Oregon car insurance rates have changed over the past two years

The average price for full-coverage car insurance in Oregon rose to $1,800 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain more expensive than in Oregon.

See how Oregon car insurance prices have changed over the past two years below.

Average Oregon car insurance rates by city

The average rate of insurance can vary widely from city to city, even within the same state. Factors like population density, crime rates, economic conditions, and weather patterns differ from one ZIP code to the next, which can affect the monthly rate residents pay for both full-coverage and state-minimum liability auto insurance.

For example, drivers in Portland pay higher insurance rates than drivers in any other major city in Oregon. Portland is the largest city in the state, with a dense population, heavy traffic, and higher crime rates than other Oregon cities.

Below, you can see average insurance quotes for Oregon cities.

Average Oregon car insurance rates by age and gender 

Your age and gender can affect the amount you pay for insurance. A young driver has less experience behind the wheel, which makes them more likely to get into a car accident than a more experienced driver. This is why a 16-year-old driver typically pays the highest rate of any demographic.

Gender can also make a difference in your annual rate because women are statistically less likely to cause car accidents than men.1

The table below outlines the average rates for Oregon drivers by age and gender:

Average cost to insure popular vehicles in Oregon

The five most popular vehicles in Oregon are the Toyota RAV4, the Ford F-Series, the Tesla Model Y, the Toyota Tacoma, and the Subaru Crosstrek, according to Edmunds.2 The popularity of these vehicles fits the nature-loving profile of Oregonians since each of the vehicles has either an outdoorsy or environmentally friendly reputation.

The cost to insure each vehicle can vary because insurance companies consider the value of the vehicle and the cost to repair or replace it when determining premiums. Check out the average monthly rate for full-coverage insurance for each of these vehicles below.

How your driving record affects car insurance rates in Oregon 

Your driving record gives your insurance company a glimpse into how safely you drive. Insurers typically offer the lowest rates to people with clean driving records. A driver with a recent at-fault accident, speeding ticket, or DUI may see their monthly rate increase sharply and may pay a higher annual rate for years to come.3

Oregon drivers with an incident on their record pay an average monthly rate of $181 for full-coverage car insurance. For comparison, drivers with a clean record pay a monthly rate of $146.

The table below shows the average rate for full-coverage insurance for a sample Oregon driver profile with each type of incident on their record.

How to lower your insurance costs in Oregon

You can use a number of strategies to reduce your insurance costs. While the best way to lower your costs is to compare quotes from multiple insurers, you can also implement these strategies to reduce what you pay for car insurance:

• Lower your coverage levels. You can lower your rates if you increase your deductible, drop collision or comprehensive coverage, or decrease your limits on bodily injury/property damage liability coverage. But remember that experts recommend purchasing more than minimum coverage. You may even want more than the minimum required coverage for vehicle protection.

• Keep a clean driving record. Driving safely protects you and helps keep your premium costs low. Drivers with clean records pay the lowest average rates.

• Bundle insurance coverage. Customers who purchase home insurance or renters insurance from the same insurance company that insures their vehicle will often save money by bundling both policies.

• Check for discounts. You may qualify for several different insurance discounts, including affiliation discounts, discounts for safety features on your vehicle, and safe-driving discounts.

• Increase your credit. Better credit can help you qualify for a lower premium rate — as well as help you improve your finances in general.