Oregon Car Insurance Rates
Projected insurance prices in Oregon for 2019 are $1,288 every 12 months for full coverage. Comprehensive insurance, collision, and liability insurance cost an estimated $286, $524, and $334, respectively. Gresham and Portland have the most expensive car insurance rates, and the three largest writers in Oregon are State Farm, Farmers Insurance, and Progressive.
Average rate for full coverage: $1,288
Policy rates broken down by type of insurance:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Cost of Auto Insurance in Oregon
For a middle-aged driver, Oregon insurance rates go from the cheapest price of $396 for just liability coverage to a much higher rate of $2,782 for a high risk driver.
These price differences show why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, rather than relying on generic averages.
Use the form below to get accurate rates for your location.
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Recommended Companies for Cheap Oregon Insurance
Chart shows Oregon car insurance rates for different coverage choices and risks. The lowest rate with discounts is $738. Drivers who choose higher $1,000 deductibles will pay $1,104. The average rate for a driver around age 40 using $500 deductibles is $1,288. Using more expensive $100 deductibles for comprehensive and collision insurance could cost up to $1,646. High risk drivers could be charged around $2,782. The price for full coverage for a teenage driver can be as high as $4,740.
Insurance prices in Oregon also range considerably based on liability limits and deductibles, your driver profile, and your choice of vehicle.
An older driver with no violations or accidents and higher deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay at least $4,700 a year. View Rates by Age
The city you live in has a huge impact on auto insurance rates. Less congested rural areas could have rates as low as $1,000 a year, while some neighborhoods in Gresham and Portland could have rates closer to $1,800. Even different neighborhoods close to each other in the same city can have large rate differences.
These price discrepancies illustrate why it is so important to get rates for your specific zip code.
Your auto insurance company has an impact on price. Every insurance company has their own rate formula, and prices can be substantially lower or higher depending on individual risk factors. In Oregon, car insurance prices range from $701 with Grange to as high as $3,161 with Sentry. Companies like Oregon Mutual, Country, and Travelers fall somewhere in between.These are probably not the prices you would pay, as where you live in Oregon, your vehicle make and model, and your driving history have to be considered.
|Rank||Company||Market Share||Average Rate|
|Get Your Rates Quote Now|
Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra
Choosing high deductibles could cut rates by as much as $550 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $300 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,500 to $2,100 additional every year, depending on your age. High-risk driver insurance can be anywhere from 44% to 130% more than average. View High Risk Driver Rates
The type of car, truck, or SUV you buy is a primary factor in determining the price you pay for auto insurance coverage in Oregon. Driving a cheaper and safe vehicle will have a lower insurance cost thanks to lower repair costs and less likelihood of injuries in accidents. The following table shows insurance cost estimates for the most popular vehicles that are insured in Oregon.
|Make and Model||Premium||% to Avg|
|Get Rates for Your Vehicle Quote Now|
Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to compare rates from as many companies as possible. Each insurance company uses a different rate calculation, and rates will be varied.
Oregon Auto Insurance Articles
- How Much is Auto Insurance in Oregon?
- How Much Does Insurance Cost for a Ford F-150 in Oregon?
- Cheapest Auto Insurance Quotes for 16 Year Olds in Oregon
- Who Has the Cheapest Car Insurance for Teenagers in Oregon?
- How Much are Insurance Quotes for a Toyota RAV4 in Oregon?
- How Much are Insurance Quotes for a Toyota Camry in Oregon?
- Best Cheap Insurance Quotes for a Nissan Altima in Oregon
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Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$97|
|5-yr Claim Free||$83|
|Paid in Full/EFT||$61|
Discounts are estimated and may not be available from every company or in every state.