Oregon Car Insurance Rates

Projected insurance prices in Oregon for 2018 are $1,252 every 12 months for full coverage. Comprehensive insurance, collision, and liability insurance cost an estimated $278, $508, and $324, 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: $1,252

Policy rates broken down by type of insurance:

Comprehensive $278
Collision $508
Liability $324

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 $384 for just liability coverage to a much higher rate of $2,698 for a high risk driver.

Liability Only $384
Full Coverage $1,252
High Risk $2,698

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.

Enter your Oregon zip code below to view companies that have cheap auto insurance rates.

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Oregon car insurance rate comparison chart
Column chart showing Oregon car insurance prices range from $719 to $4,594 for full coverage

Chart shows Oregon car insurance rates for different coverage choices and risks. The lowest rate with discounts is $719. Drivers who choose higher $1,000 deductibles will pay $1,074. The average rate for a driver around age 40 using $500 deductibles is $1,252. Using more expensive $100 deductibles for comprehensive and collision insurance could cost up to $1,598. High risk drivers could be charged around $2,698. The price for full coverage for a teenage driver can be as high as $4,594.

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 $4,500 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.

View Chart as Image

Oregon insurance rates by city

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.

Oregon Auto Insurance Companies by Market Share and Average Rate
RankCompanyMarket ShareAverage Rate
1State Farm21.10%$1,050
2Farmers Insurance11.22%$1,974
3Progressive10.24%$1,247
4Liberty Mutual9.67%$2,483
5Allstate8.79%$1,688
6Geico8.18%$1,167
7USAA5.10%$960
8Country Financial3.61%$839
9American Family3.42%$1,445
10Nationwide2.51%$1,191
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Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra

Choosing high deductibles could cut rates by as much as $530 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 $291 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 $2,000 additional every year, depending on your age. High-risk driver insurance can be anywhere from 44% to 134% 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.

Oregon Auto Insurance Rates for Popular Vehicles
Make and ModelPremium% to Avg
Chevrolet Silverado$1,3185%
Dodge Ram$1,3547.5%
Ford Escape$1,042-20.2%
Ford Focus$1,210-3.5%
Ford Fusion$1,3265.6%
Ford F-150$1,176-6.5%
GMC Acadia$1,152-8.7%
GMC Sierra$1,2983.5%
Honda Accord$1,166-7.4%
Honda Civic$1,3668.3%
Honda CR-V$1,014-23.5%
Honda Pilot$1,188-5.4%
Hyundai Sonata$1,2661.1%
Kia Optima$1,2902.9%
Nissan Altima$1,2862.6%
Nissan Rogue$1,2540.2%
Toyota Camry$1,2741.7%
Toyota Corolla$1,246-0.5%
Toyota Prius$1,160-7.9%
Toyota RAV4$1,178-6.3%
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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

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Rates by Driver Age

Oregon Insurance Rates by Driver Age
Driver AgePremium
16$4,594
20$2,884
30$1,310
40$1,252
50$1,140
60$1,118

Full coverage, $500 deductibles

Rates by Deductible

Oregon Car Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,598
$250$1,438
$500$1,252
$1,000$1,074

Full coverage, driver age 40

Rates by Liability Limit

Oregon Car Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,252
50/100$1,317
100/300$1,398
250/500$1,608
100 CSL$1,349
300 CSL$1,527
500 CSL$1,657

Full coverage, driver age 40

Rates for High Risk Drivers

Oregon Car Insurance Rates for High Risk Drivers
AgePremium
16$6,564
20$4,578
30$2,764
40$2,698
50$2,572
60$2,550

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.

SR-22 Surcharge $173

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$67
Multi-vehicle$64
Homeowner$18
5-yr Accident Free$94
5-yr Claim Free$80
Paid in Full/EFT$59
Advance Quote$62
Online Quote$89
Total Discounts$533
Rate after discounts $719

Discounts are estimated and may not be available from every company or in every state.

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