Oregon Car Insurance Calculator
Calculate your auto insurance cost in Oregon. Compare with state averages and find savings.
$1,534
Avg Annual Premium
25/50/20
Min Liability
Monthly Avg
$128
Full Coverage
$1,989
Min Coverage
$523
Uninsured Rate
9.2%
Oregon Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$20,000
Additional Requirements
PIP RequiredYes ($15,000 min)
Uninsured MotoristRequired
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in Oregon
PIP requirementPortland trafficRainy conditions
Major Metro Areas in Oregon
PortlandSalemEugeneGreshamHillsboro
FAQ
Oregon Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in Oregon
The average annual car insurance premium in Oregon is $1,534, or about $128 per month. Full coverage averages $1,989 annually, while minimum coverage averages $523. Your actual rate depends on your age, driving record, vehicle, and coverage level.
Oregon requires minimum liability coverage of 25/50/20 ($25,000/$50,000 for bodily injury and $20,000 for property damage). Oregon also requires Personal Injury Protection (PIP) with a minimum of $15,000. Uninsured motorist coverage is also required.
Key factors affecting Oregon car insurance rates include: PIP requirement, Portland traffic, Rainy conditions. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 9.2% of drivers in Oregon are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your Oregon car insurance: 1) Compare quotes from multiple insurers like State Farm, GEICO, Progressive. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in Oregon include: State Farm, GEICO, Progressive, Farmers, Oregon Mutual. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
OR Insurance Costs
Average premiums in Oregon:
- Annual Average$1,534
- Monthly Average$128
- Full Coverage$1,989
- Minimum Coverage$523
OR Requirements
Minimum coverage required:
- Liability25/50/20
- PIP RequiredYes
- UM RequiredYes
- Uninsured Rate9.2%
Top OR Insurers
Popular insurance companies:
- •State Farm
- •GEICO
- •Progressive
- •Farmers
- •Oregon Mutual