Oregon Car Insurance Quotes & Rates (2026)

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For a 40-year-old driver with a clean record, Oregon car insurance averages about $173 a month ($2,070 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 26% below the national average in our data. It’s higher than in Idaho but lower than in California, Nevada and Washington. State Farm has the lowest full-coverage average among the four major insurers we compared (GEICO, Progressive, Safeco and State Farm), at about $134 a month.

Oregon car insurance: key numbers

• Full coverage: about $173 a month ($2,070 a year)
• Liability only (25/50/20): about $73 a month
• Lowest-priced insurer: State Farm has the lowest full-coverage average among the four major insurers we compared, at about $134 a month
• Recent price change: +1.4% for full coverage (same insurers and ZIP codes)
• Most and least expensive counties: Multnomah County (about $205 a month) and Benton County (about $143)

Where you live matters. The Portland area costs the most in our data: Multnomah County averages about $205 a month for full coverage and Clackamas County $188. The Willamette Valley south of Salem costs less, and Benton County, home to Corvallis, is the least expensive of the 30 counties we price, at $143. Use these averages as a benchmark for where you live, then compare quotes for your own car and address.

_{Cost data comes from the auto rates insurers file with state regulators, priced across 168 Oregon ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.}

Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.

What’s the Average Cost of Car Insurance in Oregon per Month?

The average cost of car insurance in Oregon is about $173 a month ($2,070 a year) for full coverage and $73 a month ($879 a year) for liability-only coverage at the 25/50/20 state minimum. That’s for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Aug. 31, 2026.

Full coverage in Oregon averages $2,070 a year, or about $173 a month, for our benchmark driver. Liability-only coverage at Oregon’s 25/50/20 minimum averages $879 a year ($73 a month), and 50/100/50 liability with comprehensive and collision averages $2,112 ($176 a month).

• Full coverage (100/300/100, $500 deductibles): $2,070 a year ($173 a month)
• 50/100/50 with $500 deductibles: $2,112 a year ($176 a month)
• Liability only (25/50/20): $879 a year ($73 a month)
• Portland: $2,381 a year ($198 a month) for full coverage
• Salem: $2,133 a year ($178 a month) for full coverage
• Eugene: $1,727 a year ($144 a month) for full coverage
• National average: $2,806 a year ($234 a month) for full coverage

How Oregon Compares With Neighboring States

Oregon’s average is about $159 a month below California’s, $20 above Idaho’s, $234 below Nevada’s and $81 below Washington’s. It’s the 11th-lowest of the 50 states and Washington, D.C., in our data.

Cheapest Car Insurance in Oregon: Companies Compared

• Lowest average among these four insurers, full coverage: State Farm, at about $134 a month ($1,608 a year).
• Next lowest: Progressive, at about $159 a month, then GEICO at $180.
• Lowest liability-only average among these four insurers (25/50/20): State Farm, at about $58 a month, then GEICO at $71.
• Also on our list: Oregon Mutual at about $120 a month, USAA at $143, Travelers at $143, Country Financial at $182 and Farmers at $231 (USAA sells only to military families).
• Most expensive among these four insurers: Safeco, at about $217 a month for full coverage, $1,000 a year more than State Farm.

State Farm has the lowest full-coverage average among the four insurers in our Oregon rate data. The published 2026 statewide Oregon rate studies we reviewed don’t agree on one cheapest company for full coverage: two rank Oregon Mutual first, two rank State Farm, and one each ranks Progressive and Travelers, apart from USAA, which sells only to military families. For liability-only coverage at 25/50/20 limits, State Farm has the lowest average among these four insurers, at about $58 a month, followed by GEICO at $71.

These are statewide averages for our benchmark driver. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.

See What You’d Pay in Oregon

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Rates change by city and ZIP code across Oregon. Enter yours to compare quotes.

How Oregon’s Major Car Insurers Compare

Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved over the past nine months.

Are Car Insurance Rates Going Up in Oregon?

Slightly, for our benchmark driver. Comparing the same insurers in the same Oregon ZIP codes, full coverage averaged $2,041 a year nine months earlier and $2,070 in rates as of Aug. 31, 2026, a 1.4% increase. Safeco cut its Oregon average 7.9% and State Farm 2.8%, while Progressive raised its average 25.2%; GEICO’s average was unchanged. Liability-only coverage at 25/50/20 limits rose 8.0%, led by Progressive, which raised its liability-only average 45.6%.

Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.

What to Know About Oregon Car Insurance Costs

Oregon’s full-coverage average is the 11th-lowest of the 50 states and Washington, D.C., in our data. Three things stand out in our numbers and in state law.

• The Portland area. Multnomah County is the most expensive county in our data, and Portland averages $198 a month, about 14% above the state average. Salem averages $178 and Eugene $144.
• Required PIP and uninsured motorist coverage. Every Oregon policy must include $15,000 of personal injury protection and uninsured motorist coverage, in addition to liability coverage.
• How rates are set. Oregon is a file-and-use state: under ORS 737.205, an insurer’s filed rates can take effect as soon as the Division of Financial Regulation receives them, and the filings are open for public review.

Oregon Car Insurance Rates by City

Among cities with at least three ZIP codes in our data, Portland is the most expensive, at $198 a month for full coverage, followed by Beaverton at $179 and Salem at $178. Eugene is the least expensive, at about $144. Across all 109 cities and towns we price, averages run from about $217 in Gresham to $137 in Corvallis.

The table lists all 109 Oregon cities and towns in our data, using each place’s own ZIP codes, from most to least expensive. Search it for your town.

Oregon City Car Insurance Guides

Each city guide has local prices, how the insurers compare there and, for cities where prices vary by ZIP code, a ZIP code table.

Oregon Car Insurance Rates by County

Multnomah County is the most expensive county in our data, at about $205 a month for full coverage, followed by Clackamas County ($188) and Tillamook County ($177). The least expensive are Benton County ($143) and Union and Lane counties (both $147). We price 30 of Oregon’s 36 counties.

Does Better Coverage Cost More in Oregon?

Full coverage at 100/300/100 limits costs a little less on average than 50/100/50 statewide in our data: $2,070 a year compared with $2,112, with the same $500 deductibles. Across the four insurers, the change runs from $423 less a year (Safeco) to $177 more (Progressive). The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. GEICO and Safeco charge less for 100/300/100 than for 50/100/50 for our benchmark driver. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.

Oregon Car Insurance Rules at a Glance

What Car Insurance Is Required in Oregon?

It’s illegal to drive in Oregon without liability insurance, according to the Oregon DMV. Under ORS 806.070 and the DMV’s insurance requirements, every policy must include at least:

• $25,000 per person and $50,000 per crash in bodily injury liability.
• $20,000 in property damage liability.
• $15,000 per person in personal injury protection (PIP). It pays reasonable and necessary medical expenses incurred within two years of a crash, up to your PIP limit.
• $25,000 per person and $50,000 per crash in uninsured motorist coverage.

Your uninsured motorist limits match your liability limits unless you choose lower limits in writing, and they can’t go below the state minimum, according to the Division of Financial Regulation.

Oregon drivers who cause a crash pay for the damage through their liability coverage. Under ORS 31.600, you can’t recover damages if you’re more at fault than the people you’re claiming against, and otherwise your recovery is reduced by your share of the fault.

Driving uninsured is a Class B traffic violation, with a presumptive fine of $265 and a maximum of $1,000. A conviction requires an SR-22 certificate of insurance, and since Jan. 1, 2026, that requirement lasts one year instead of three, according to the Division of Financial Regulation. A crash while uninsured still requires three years. You can show proof of insurance on your phone.

How to Lower Your Car Insurance Rate in Oregon

1. Quote several insurers. Among the four major insurers we compared in Oregon, the lowest and highest averages are about $83 a month apart for the same driver and car.
2. Compare State Farm and Progressive first. They have the two lowest full-coverage averages among the four major insurers we compared in Oregon, about $134 and $159 a month.
3. Know what PIP covers. Every Oregon policy includes at least $15,000 of personal injury protection, which pays reasonable and necessary medical expenses incurred within two years of a crash, up to your PIP limit.
4. Check your uninsured motorist limits. In Oregon they match your liability limits unless you choose lower limits in writing, so raising your liability limits also raises this coverage, and it can’t go below $25,000 per person and $50,000 per crash.
5. Ask for a credit re-rate. Oregon insurers can use credit history, but you can ask for a re-rate once a year, and the Division of Financial Regulation says it can lower your premium but won’t raise it.
6. Ask why your renewal went up. For policies renewed on or after Sept. 1, 2026, Oregon insurers must give a clear written explanation of a premium increase if you ask in writing, under ORS 742.075.
7. Compare at every renewal. Over the past nine months, Safeco has cut its statewide average 7.9% and State Farm 2.8%, while Progressive has raised its average 25.2%, so the order in our table can shift.
8. Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which car insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how your deductible works.
9. Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See home insurance costs in Oregon and our home insurance guides for Eugene and Portland, then compare free home insurance quotes.

Compare Oregon Car Insurance Quotes

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How We Calculated Oregon Car Insurance Rates

Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.

• Sample: 672 full-coverage premiums from four insurers across 168 Oregon ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
• Insurer count: our Oregon averages come from four insurers, fewer than in most states, so they can move more when one insurer changes its prices. We publish them as calculated, without adjustment.
• Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Oregon’s 25/50/20 minimum, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision. The rate data doesn’t list a personal injury protection amount, so we don’t state one for these prices.
• Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
• Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
• Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
• Insurers marked *: priced from published 2026 Oregon rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
• What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

Coverage requirements come from Oregon law and the Oregon Division of Financial Regulation. We refresh these figures when new rate data is released.

More Oregon Car Insurance Breakdowns

The table in this section comes from an additional InsuranceQuotes rate analysis. It uses its own driver profile and mix of insurers, so its prices differ from the averages above. Use it to compare places with each other.

Oregon Car Insurance Rates in 397 Cities and Towns

This analysis covers 397 Oregon cities and towns. Full coverage runs from about $188 a month in Shedd to $303 in Maywood Park, and Gresham, at $302, is among the most expensive. Search the table for your town.

Oregon Car Insurance FAQ