How Much Does Auto Insurance Cost in Oregon?
Oregon pricing is near the national average. Updated for 2024.
Auto Insurance Pricing in Oregon
In Oregon, the average cost for auto insurance is $198 per month, which is 10% higher than the national average of $180. Most Oregon residents pay between $110 and $330.
Oregon has costs that track closely with the national average, though prices can still vary between urban and rural areas within the state.
Auto insurance premiums depend on your driving record, vehicle, coverage levels, location, credit score, and age. Full coverage costs significantly more than minimum liability.
Oregon vs National Average
What Affects Auto Insurance Cost in Oregon?
Coverage
Minimum liability: $50-$100/mo. Full coverage: $150-$300/mo
Driving Record
Clean record vs DUI/accident can mean 50-200% higher premiums
💡 Tips to Save on Auto Insurance in Oregon
- 1.Bundle with home insurance for 10-25% discount
- 2.Raise your deductible to lower premiums
- 3.Ask about safe driver and low mileage discounts
- 4.Shop around every 1-2 years — loyalty rarely pays
Frequently Asked Questions
How much car insurance do I need?
At minimum, you need your state's required liability coverage. Experts recommend at least 100/300/100 liability plus comprehensive and collision.