Oregon Car Insurance Quotes & Average Rates
Full coverage car insurance in Oregon is estimated at $1,880 a year, or $157 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $791 a year. Oregon is an at-fault state, and drivers must carry 25/50/20 liability limits. Below you will find estimated rates for 45 Oregon cities, a breakdown by age and driving record, and the coverage the state actually requires.
Car insurance calculator — Oregon
Estimated from state average premiums and your rating factors. Not a quote.
We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.
Cheapest car insurance companies in Oregon
| Insurer | Est. annual | Est. monthly | vs. average | Notes |
|---|---|---|---|---|
| USAA | $1,429 | $119 | -24% | Military members and families only |
| Geico | $1,542 | $129 | -18% | Usually cheapest for clean records |
| State Farm | $1,654 | $138 | -12% | Strong for young and student drivers |
| Progressive | $1,786 | $149 | -5% | Competitive after a ticket or accident |
| Travelers | $1,824 | $152 | -3% | Good multi-policy discounts |
| Nationwide | $1,880 | $157 | 0% | Mid-market, wide availability |
| Allstate | $2,143 | $179 | +14% | Higher base rate, heavy discount stacking |
| Farmers | $2,275 | $190 | +21% | Agent-led, priced above market |
Modelled estimates for a 35-year-old with a clean record and full coverage in Oregon. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.
Oregon car insurance rates by age
| Driver age | Full coverage / yr | Minimum / yr | Full coverage / mo |
|---|---|---|---|
| 16 years old | $5,077 | $2,138 | $423 |
| 18 years old | $4,283 | $1,803 | $357 |
| 20 years old | $3,546 | $1,493 | $296 |
| 22 years old | $2,946 | $1,240 | $245 |
| 25 years old | $2,248 | $947 | $187 |
| 30 years old | $1,938 | $816 | $161 |
| 40 years old | $1,822 | $767 | $152 |
| 50 years old | $1,744 | $734 | $145 |
| 60 years old | $1,725 | $726 | $144 |
| 65 years old | $1,802 | $759 | $150 |
| 70 years old | $1,977 | $832 | $165 |
| 75 years old | $2,306 | $971 | $192 |
Estimated premiums by age in Oregon, clean record, sedan.
How violations change your Oregon premium
| Driving record | Est. annual | Increase |
|---|---|---|
| Clean record | $1,880 | — |
| 1 speeding ticket | $2,312 | +23% |
| 1 at-fault accident | $2,763 | +47% |
| DUI / DWI | $3,553 | +89% |
What a violation costs a 35-year-old in Oregon. Surcharges normally stay on the policy for three to five years.
A DUI in Oregon usually also triggers an SR-22 filing requirement, which most standard carriers will not write.
Oregon minimum insurance requirements
| Required coverage in Oregon | Minimum limit |
|---|---|
| Bodily injury liability, per person | $25,000 |
| Bodily injury liability, per accident | $50,000 |
| Property damage liability | $20,000 |
| PIP $15,000 | Required |
| Uninsured motorist 25/50 | Required |
| Insurance system | At-fault (tort) |
Limits are set by statute and change from time to time. Confirm the current figures with the Oregon Department of Insurance before you buy.
Coverage levels in Oregon
| Coverage level | Est. annual | Est. monthly |
|---|---|---|
| State minimum liability | $791 | $66 |
| Full coverage (100/300/100 + comp & collision) | $1,880 | $157 |
| Full coverage, high limits + low deductible | $2,237 | $186 |
Coverage level comparison for Oregon.
Car insurance rates in Oregon cities
Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 45 Oregon cities we price.