How Much Does Homeowners Insurance Cost in Oregon?
Oregon pricing is near the national average. Updated for 2026.
Homeowners Insurance Pricing in Oregon
In Oregon, the average cost for homeowners insurance is $198 per month, which is 10% higher than the national average of $180. Most Oregon residents pay between $110 and $385.
Oregon has costs that track closely with the national average, though prices can still vary between urban and rural areas within the state.
Homeowners insurance protects your home and belongings from damage, theft, and liability. Costs depend on your home's value, location, coverage limits, and claim history.
Oregon vs National Average
What Affects Homeowners Insurance Cost in Oregon?
Home Value
$200K home: $100-$150/mo. $400K home: $150-$250/mo. $600K+ home: $200-$400/mo
Location
Coastal/flood/tornado zones can be 50-200% more expensive
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💡 Tips to Save on Homeowners Insurance in Oregon
- 1.Bundle with auto insurance
- 2.Raise your deductible
- 3.Install security systems and smoke detectors for discounts
- 4.Review and update coverage annually
📈 Homeowners Insurance in Oregon Cost Trends (2022–2026)
Prices have increased +17.2% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2022 | $169 | — |
| 2023 | $176 | +4.1% |
| 2024 | $187 | +6.3% |
| 2025 | $192 | +2.7% |
| 2026 | $198 | +3.1% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Homeowners Insurance in Oregon
Recent Reports
Frequently Asked Questions
What does homeowners insurance cover?
Standard policies cover dwelling, personal property, liability, and additional living expenses. Floods and earthquakes require separate policies.
Homeowners Insurance Cost in Other States
Related Cost Guides for Oregon
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