How Much Does Car Insurance Cost in Oregon?
Oregon car insurance averages $155 per month for full coverage in 2026, based on InsuranceQuotes.com’s analysis of market rate data. PEMCO Insurance, a Pacific Northwest regional carrier, and GEICO offer competitive rates for Oregon drivers. Oregon requires Personal Injury Protection (PIP) of $15,000 minimum; the state’s rates vary dramatically between Portland metro — where theft and congestion drive costs up — and rural eastern Oregon.
Oregon is known for its stunning natural beauty, from the rugged coastline along the Pacific Ocean to the lush forests of the Cascade Range. While driving, be prepared to encounter breathtaking vistas and opportunities for outdoor activities like hiking, camping, and wildlife viewing. OR state law requires that all drivers have car insurance on the roads.
So, how much should you expect to pay on average for car insurance in Oregon?
Average Oregon Car Insurance Rates:
- State Minimum Liability: You can expect to pay $84 a month or $1,004 a year.
- Full Coverage: You can expect to pay $222 a month or $2,660 a year.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in your city – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Drivers in OR should compare multiple car insurance coverage options that may be cheaper than the average rates – we will breakdown costs throughout this guide. Knowing average auto insurance costs beforehand is helpful when using InsuranceQuotes to compare free local and national provider quotes so you can know what to expect when searching for a new policy.
Who Has the Cheapest Car Insurance in Oregon?
- In Oregon the cheapest auto insurance providers on average are Progressive, State Farm and GEICO
- State minimum liability car insurance starts at $64 a month or $768 a year.
- Full coverage car insurance would cost around $198 a month or $2,370 a year.
Here is a breakdown of average costs from the cheapest local insurance providers in the state from our data set of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Company: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Progressive Universal | $768 | $64 | $2,370 | $198 |
| State Farm | $773 | $64 | $1,836 | $153 |
| GEICO | $936 | $78 | $3,002 | $250 |
| Progressive Classic | $1,164 | $97 | $3,060 | $255 |
| Farmers | $1,377 | $115 | $3,032 | $253 |
| Average Cost: | $1,004 | $84 | $2,660 | $222 |
Average Oregon Car Insurance Premiums by City
When comparing local car insurance costs in Oregon, the city and zip code you live in will affect overall rates. Drivers living in more popular urban city areas often pay more than those who live in more rural areas with less population and potential for accidents. Use the table below to search for your city and see how much on average you should be paying locally for minimum and full coverage policies:
| Oregon City: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Adams | $799 | $67 | $2,476 | $206 |
| Adel | $820 | $68 | $2,594 | $216 |
| Adrian | $806 | $67 | $2,439 | $203 |
| Agness | $911 | $76 | $2,684 | $224 |
| Albany | $949 | $79 | $2,296 | $191 |
| Allegany | $864 | $72 | $2,367 | $197 |
| Aloha | $1,325 | $110 | $2,985 | $249 |
| Alsea | $895 | $75 | $2,490 | $207 |
| Altamont | $894 | $75 | $2,596 | $216 |
| Alvadore | $937 | $78 | $2,350 | $196 |
| Amity | $1,175 | $98 | $2,845 | $237 |
| Antelope | $912 | $76 | $2,638 | $220 |
| Arch Cape | $950 | $79 | $2,786 | $232 |
| Arlington | $861 | $72 | $2,531 | $211 |
| Arock | $883 | $74 | $2,510 | $209 |
Popular Auto Insurance Cost Guides by City
See a more in depth guide for auto insurance costs broken down by popular cities in Oregon.
Oregon Auto Insurance Rates by Age Group
Oregon insurance companies will use age as a factor that influences your auto rates and quotes you receive. Younger drivers tend to face higher annual premiums compared to mature, more experienced drivers.
Statistics show that younger drivers, particularly teenagers and drivers in their early twenties, are more likely to be involved in accidents due to their limited driving experience and potential risky behavior on the road. Drivers older than 25 will see a significant drop in their auto policy costs as they are moved into the middle aged cost tier group for coverage.
* Full Coverage – Average Costs by Age:
- 17 – 25 years: $5,790 yearly – $482 monthly
- 25 – 54 years: $2,624 yearly – $219 monthly
- 55+ years: $2,982 yearly – $249 monthly
* State Minimum Liability – Average Costs by Age:
- 17 – 25 years: $2,144 yearly – $179 monthly
- 25 – 54 years: $935 yearly – $78 monthly
- 55+ years: $1,109 yearly – $92 monthly
Here is a full breakdown of the average costs for car insurance by age in Oregon:
| Age: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| 17 | $3,382 | $282 | $8,894 | $741 |
| 18 | $2,958 | $246 | $7,863 | $655 |
| 20 | $1,925 | $160 | $5,285 | $440 |
| 22 | $1,283 | $107 | $3,597 | $300 |
| 24 | $1,121 | $93 | $3,144 | $262 |
| 29 | $1,020 | $85 | $2,852 | $238 |
| 34 | $1,011 | $84 | $2,747 | $229 |
| 39 | $1,024 | $85 | $2,714 | $226 |
| 44 | $1,013 | $84 | $2,638 | $220 |
| 49 | $1,003 | $84 | $2,584 | $215 |
| 54 | $951 | $79 | $2,424 | $202 |
| 64 | $942 | $78 | $2,361 | $197 |
| 74 | $1,192 | $99 | $2,944 | $245 |
| 76 | $1,264 | $105 | $3,117 | $260 |
What are the Most Expensive Vehicle Types to Insure?
The type of vehicle you drive in Oregon will affect the overall costs of car insurance.
To determine how much you can expect to pay for your auto insurance based on vehicle type we averaged multiple cost quotes in OR and pulled data for vehicles such as a Toyota Camry, Chevrolet Bolt, BMW 4 Series, Honda CRV and Nissan Titan.
We pulled data from Oregon insurance policy cost records across multiple providers. Our table displays the average costs associated with vehicle types for state minimum vs. full coverage policies of a driver who is single, middle aged, has a clean driving record, for a used vehicle:
| Vehicle Type: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Car (4door): | $1,535 | $128 | $3,347 | $279 |
| Truck: | $1,523 | $127 | $3,595 | $300 |
| Hybrid Electric: | $1,385 | $115 | $3,576 | $298 |
| SUV: | $1,326 | $111 | $2,845 | $237 |
| Luxury Coupe: | $1,405 | $117 | $4,646 | $387 |
How Expensive is it to Insure a Brand New Car?
Drivers of brand new cars can often expect to pay more to insure their vehicles since they cost more to repair and have higher rates of theft. However, coverage is sometimes cheaper than older models of the same vehicle because of enhanced security features on newer models that lower your annual premiums.
We pulled insurance cost rates data for newer 2022-2023 vehicles below to give you an idea of the difference in coverage price for newer cars vs. used vehicles in Oregon:
| Brand New Vehicle: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Car (4door): | $1,453 | $121 | $3,720 | $310 |
| Truck: | $1,527 | $127 | $4,027 | $336 |
| Hybrid Electric: | $1,439 | $120 | $4,061 | $338 |
| SUV: | $1,315 | $110 | $3,128 | $261 |
| Luxury Coupe: | $1,441 | $120 | $5,031 | $419 |
How Much Does a Driving Record Violation Increase Insurance Costs?
Driving violations can have a significant impact on your car insurance costs in Oregon, as they indicate a higher level of risk to insurance providers. When you receive a driving violation, such as a speeding ticket or a DUI, your insurance company may consider you a higher-risk driver, which can lead to an increase in your insurance premiums for the foreseeable future.
Here is a breakdown of full coverage car insurance cost increases with driving violations:
- Clean Driving Record: Average annual premium cost of $2,125
- Speeding Tickets: 14% increase of an extra $281 a year at $2,412
- At-Fault Accident: 41% increase of an extra $864 a year at $2,988
- DUI/DWI: 81% increase of an extra $1,728 a year at $3,853
| Driving Violation: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Clean Record | $1,183 | $99 | $3,087 | $257 |
| 1 Speeding Violation | $1,393 | $116 | $3,738 | $311 |
| 1 At-Fault Accident | $1,645 | $137 | $4,349 | $362 |
| 1 DUI Violation | $1,519 | $127 | $4,017 | $335 |
How Much Car Insurance Do I Need in Oregon?
In Oregon, as in most states, there are minimum car insurance requirements that you must meet to legally operate a vehicle. These minimum requirements are typically expressed as a series of numbers that represent the minimum coverage amounts for different types of insurance.
- Bodily Injury Liability Coverage:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- Property Damage Liability Coverage:
- $20,000 per accident for property damage
Many insurance experts recommend purchasing higher levels of coverage, especially if you have assets to protect or if you want to ensure that you’re adequately covered in case of a severe accident. It’s also a good idea to consider additional types of coverage, such as:
- Uninsured/Underinsured Motorist Coverage: This coverage protects you in case you’re involved in an accident with a driver who has little or no insurance.
- Collision Coverage: This covers the cost of repairs to your own vehicle in the event of an accident, regardless of who is at fault.
- Comprehensive Coverage: This coverage protects your vehicle from non-collision events, such as theft, vandalism, and natural disasters.
Finding Auto Insurance Resources in Oregon
The best place to find information about insurance in Oregon is on the Oregon Insurance Division website. This website has information about different kinds of insurance policies in the state.
If you want information about licensing, check the Oregon DMV website for information. If you want information on driver’s licenses, insurance or the Oregon Driver Manual, this is the place to go.
Finding Ways to Save on Car Insurance, Oregon
While you want to have the legally required auto insurance, you also want to make sure you’re not paying too much and you’re taking advantage of any discounts available.
Oregon law says insurance companies can only use the last three years’ worth of your driving records to determine how much you should pay for coverage. If you have no violations within the last three years, ask the company to look at your record to see if you qualify for a discount.
If you’re 55 or older, you can get a discount if you pass an approved accident-prevention course. You can take a state-certified safety driving course from some places, such as the AARP, to get this discount.
While having a teen on your policy usually means you have to pay more, there are some discounts younger people can get. In Oregon, drivers younger than 25 can get discounts if they have good grades or attend a school more than 100 miles from home.
Moving to Oregon: Important Information
If you are moving to Oregon from another state, make sure you handle your insurance and driver’s license tasks within 30 days of becoming a resident. To apply for a new license, go to your local DMV office with proof of citizenship, Social Security number and proof of your full legal name. You’ll also transfer your vehicle registration to Oregon and pass a vehicle inspection test.
If you are visiting Oregon, then your out-of-state insurance policy will work in the state, but make sure you have proof of insurance with you at all times. Once you move to Oregon, make sure you get a policy from a company that has a license to sell in the state.
Understanding Driving Laws in Oregon
While some basic driving laws are the same in all states, drivers should know about some laws that are specific to Oregon.
One law is the “Move Over or Slow Down” law. This law says that if you come upon an emergency vehicle, roadside assistance vehicle or tow truck with its flashers on, then you must move over to another lane or slow down to at least 5 miles per hour below the speed limit.
Oregon’s school zone law requires that all drivers slow down in school zones between 7 a.m. and 5 p.m., during school hours, when warning lights are flashing, or simply whenever children are present.
How Credit Scores and DUIs Affect Oregon Car Insurance Rates
Oregon insurers are permitted to use credit-based insurance scores when setting premiums, and the gap is one of the largest cost factors in the state: drivers with bad credit pay an average of $253 per month for full coverage, compared to $110 per month for drivers with good credit — a difference of about $143 per month, or roughly $1,716 per year. Kemper tends to offer some of the more competitive rates in Oregon for drivers with poor credit. A DUI conviction has a similarly large impact, typically raising full-coverage premiums to about $251 per month, an increase of roughly $128 per month that more than doubles a clean-record premium. State Farm and Progressive are generally the most affordable options in Oregon after a DUI, with rates around $93 to $97 per month. Given how wide Oregon’s rate spread already is between carriers, drivers recovering from a credit setback or a DUI should shop around aggressively rather than accept a renewal increase.
Frequently Asked Questions About Car Insurance, Oregon
With so many things to know and so many companies to choose from, you might be confused as to which one is right for you. Read the following frequently asked questions to help you make a better decision.
1. Do you need to verify your insurance?
Once a month, the Oregon DMV picks vehicles at random and the drivers must verify they have insurance. If the DMV picks your car, then you must respond immediately or risk penalties.
2. Can you show proof of insurance on your phone or tablet?
As of May 2013, drivers in Oregon can show proof in electronic form, such as a copy of their card on a smartphone, laptop or tablet. You must show this proof to police officers when requested. If you only carry your information on your phone or mobile device, then make sure it is always charged.
3. What do you do when you get your insurance card?
As soon as you receive your card, make sure all the information is correct. Verify that the registration information for your car matches what is on the card. Contact your insurance company if you find any information that’s different and carry this card with you or in your car at all times.
PEMCO Insurance in Oregon: The PNW Mutual Carrier Most Oregon Drivers Don’t Know Is Available
PEMCO Insurance — the Seattle-based Pacific Northwest mutual carrier best known in Washington — also sells car insurance in Oregon, making it available to drivers in Portland, the Willamette Valley, and communities throughout the state. PEMCO’s mutual structure (policyholders own the company) keeps its rates consistently below national brand pricing, and the carrier earns strong customer satisfaction scores in the Pacific Northwest. Most Oregon comparison tools give PEMCO minimal visibility, meaning many Oregon drivers who compare only GEICO, State Farm, and Progressive never receive a PEMCO quote. Oregon drivers, particularly in the Portland metro and western Oregon where PEMCO has agent representation, should specifically request a PEMCO quote alongside national carriers. The pricing advantage over comparable national carrier coverage can be $20 to $40 per month for most Oregon driver profiles.
Oregon’s $4,863 Annual Carrier Gap: Why Comparison Shopping Matters More Here
Oregon has one of the largest insurance carrier price gaps in the country: WalletHub’s 2026 analysis found that the difference between the cheapest and most expensive major carrier for identical full coverage in Oregon is $4,863 per year — or over $400 per month for the same driver and vehicle. This extraordinary spread means that an Oregon driver who auto-renews with a mid-tier carrier without comparing quotes may be paying significantly more than necessary. The primary drivers of this gap are Oregon’s mandatory PIP requirement (which different carriers price very differently), its UM/UIM requirement, and the state’s diverse geographic risk profile that carriers weight differently in their models. Oregon drivers who have not compared at least four carrier quotes in the past 12 months should do so immediately — the savings opportunity in Oregon is substantially larger than in most other states.
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
