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How much does car insurance cost in Oregon?

cable car policy rates are highly pendent on your state. There are besides early factors that will impact your premium, like your age, the city you live in, your drive record and the insurance company you choose.

In Oregon, drivers pay significantly less for full coverage cable car indemnity than the average american english driver. however, Oregon drivers actually pay slenderly higher rates for minimum coverage cable car insurance. For mention, the average cost of car indemnity in the United States is $ 565 per class for minimum coverage and $ 1,674 per year for entire coverage. That means Oregon drivers pay $ 328 less for full coverage insurance and $ 54 more for minimal coverage indemnity per class .

Oregon car insurance rates by company

insurance rates are not standardized across the industry. Some policy companies charge above average rates, while others charge below average rates. If you are looking for cheap car indemnity in Oregon, we recommend comparing respective quotes to see which caller will be the most low-cost for you. The table below includes the average annual monetary value of car indemnity from some of the best car indemnity companies in Oregon .

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Oregon Mutual $414 $862
Travelers $438 $1,017
QBE $456 $948
Mutual of Enumclaw $487 $1,035
Capital $487 $1,049
USAA $494 $1,038
State Farm $527 $1,093
Nationwide $555 $1,066
Country Financial $565 $1,432
Progressive $573 $1,265
Geico $575 $1,355
California Casualty $596 $1,518
Farmers $604 $1,104
American Family $699 $1,250
Allstate $820 $1,790
MetLife $949 $1,814
Sentry $1,018 $2,858

Oregon car insurance rates by city

oregon car indemnity rates vary based on your city and ZIP code due to factors like crime rate, weather risks, accident rate and the phone number of uninsured drivers in the city. hera is a look at average wax coverage car insurance premiums in Oregon ’ s 20 most populate cities and how the citywide rate compares to the statewide modal .

City Average annual premium for full coverage % difference from state average annual premium
Portland $1,639 22%
Eugene $1,231 -9%
Salem $1,416 5%
Gresham $1,765 31%
Hillsboro $1,446 7%
Beaverton $1,495 11%
Bend $1,240 -8%
Medford $1,188 -12%
Springfield $1,235 -8%
Corvallis $1,180 -12%
Albany $1,201 -11%
Tigard $1,466 9%
Aloha $1,501 12%
Lake Oswego $1,432 6%
Keizer $1,407 5%
Grants Pass $1,180 -12%
Oregon City $1,492 11%
Redmond $1,243 -8%
Tualatin $1,429 6%
McMinnville $1,376 2%

Oregon car insurance rates by age

When you apply for an car insurance policy, the car indemnity carrier wave is credibly going to consider your age when they calculate your rate. In most cases, unseasoned drivers who are newly licensed pay the highest premiums. When drivers are in their early 20s, rates will start to decrease. The table below includes Oregon car insurance rates by old age. *16 class old calculated on parent ’ south policy disclosure

Oregon car insurance rates by driving record

safe drivers pay the lowest car policy rates because it shows the insurance company that they are not at gamble of getting involved in an expensive accident or other incidental. If you have any violations on your criminal record, like an at-fault clang or a speed ticket, it will cause your rate to increase. In the table below, you can see how much your car indemnity premium will go up after a speed ticket, an accident and a DUI .

Driving incident Average annual full coverage premium in Oregon % increase of average annual premium
Speeding ticket $1,654 20%
Accident $1,992 47%
DUI $2,294 70%

How to save on car insurance in Oregon

cable car insurance rates in Oregon are not excessively expensive, but there are ways that you can save some money and get a lower premium. here are some suggestions for getting bum car policy :

  • Improve your credit score: If you have a poor credit score, you will likely pay a high car insurance premium. Raising your credit score, even by a few points, can help you get a lower rate.
  • Pay your premium in full: Paying your annual premium upfront and in full can help you get a cheaper rate, if you can afford the out-of-pocket cost.
  • Take a defensive driver course: Most insurance companies offer a discount to drivers who complete an approved defensive driver or driver safety course.
  • Raise your deductible: Raising your deductible will lower your monthly premium. Just make sure you can afford a higher deductible in the event that you need to file a claim.
  • Switch carriers: If you find a different insurance company that can offer you a better deal, you can switch carriers at any point during your policy period.

Frequently asked questions

How much is car insurance in Oregon per month?

In Oregon, a minimal coverage policy costs about $ 50 per calendar month and a full coverage policy costs roughly $ 112 per calendar month. however, keep in take care that car indemnity rates in Oregon are personalized based on factors like your city, long time, credit sexual conquest and more .

How do I get a car insurance quote in Oregon?

Most car insurance companies in Oregon offer an on-line quote cock, where you can input some personal information and details about your vehicle, like the VIN number, make, mannequin, class and mileage. then, you will choose the type and amount of coverage you need, and you can see the calculate price. You can besides work with an agent to get a quote .


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, estimable credit rating and the follow full coverage limits :

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimal coverage limits, Bankrate used minimum coverages that meet each state ’ s requirements. Our foundation profile drivers own a 2019 Toyota Camry, permute five days a week and drive 12,000 miles per annum.

These are sample rates and should only be used for relative purposes. Age: Rates were calculated by evaluating our base profile with the ages 18-60 ( basis : 40 years ) applied. Incident: Rates were calculated by evaluating our root profile with the follow incidents applied : uninfected record ( base ), at-fault accident, individual rush slate, unmarried DUI conviction and elapse in coverage .

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