Average car insurance cost in Oregon
Oregon lands in the affordable middle of the pack at #25 of 51, with average premiums about 4% below the national average — around $108 a year cheaper than the typical American driver pays.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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How Oregon compares with its neighbors
Crossing a state line changes your premium more than almost any other single factor. Here's full coverage in Oregon next to nearby states:
| State | Full coverage /mo | Difference vs OR |
|---|---|---|
| Oregon | $199 | — |
| Washington | $219 | +$20/mo |
| California | $221 | +$22/mo |
| Idaho | $148 | −$51/mo |
| Nevada | $335 | +$136/mo |
Oregon car insurance FAQ
How much is car insurance in Oregon?
Full-coverage car insurance in Oregon averages $199 per month ($2,388 per year). A state-minimum liability policy averages $95 per month ($1,140 per year). Your own rate depends on your age, record, vehicle, credit and ZIP code.
Is car insurance in Oregon more expensive than average?
No. Oregon's full-coverage average of $199/month is about 4% below the U.S. average of $208/month, ranking #25 of 51 (1 = cheapest).
Is Oregon a no-fault state?
No. Oregon is an at-fault (tort) state — the driver who causes an accident is responsible for the other party's injuries and property damage through their liability coverage.
How much cheaper is minimum coverage in Oregon?
Minimum liability in Oregon averages $95/month versus $199/month for full coverage — a gap of $104/month, or $1,248/year. Minimum coverage only pays for damage you cause to others; it will not repair or replace your own car.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare car insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.