About Oregon Auto Insurance
Oregon drivers pay an average of $1,311 per year for full coverage auto insurance, 13% less than the national average of $1,500. This makes Oregon around average for car insurance costs nationally, ranking #22 out of 51 states and territories.
Oregon uses a traditional at-fault insurance system, meaning the driver who caused an accident is financially responsible for damages. This can result in lower base premiums but exposes you to liability from lawsuits.
Your actual rate will depend on your driving record, vehicle, age, and coverage choices. We recommend comparing quotes from at least 3-5 carriers.
Oregon Minimum Coverage Requirements
Oregon requires all registered vehicles to carry minimum liability insurance of $25k/50k/20k. This notation means:
- • $25,000 bodily injury liability per person injured
- • $50,000 total bodily injury liability per accident
- • $20,000 property damage liability per accident
Oregon also requires uninsured/underinsured motorist (UM/UIM) coverage with minimums of $25k per person. This protects you if you're hit by a driver without adequate insurance.
What Affects Oregon Auto Insurance Rates
PIP required in tort state (unusual)
UM/UIM required
Rain and road conditions
How to Save on Oregon Auto Insurance
- ✓Compare PIP options carefully
- ✓Wawanesa competitive in OR
- ✓Usage-based for urban drivers
Driving Risk Factors in Oregon
These factors are used by insurers to set rates in Oregon:
| Risk Factor | Oregon | National Avg | Rating |
|---|---|---|---|
| Traffic Fatalities (per 100k) | 13.1 | 12.8 | Average |
| Vehicle Thefts (per 100k) | 476 | 282 | Above Average |
| Most Stolen Vehicle | Honda Civic | ||
Oregon ranks #24 for traffic fatalities and #4 for vehicle theft among all 50 states.
What This Means for Insurance Rates
States with higher accident and theft rates typically have higher insurance premiums. Oregon's above-average risk profile for both categories contributes to higher premiums compared to safer states. If you drive a Honda Civic, consider adding comprehensive coverage with a low deductible.
Data: NHTSA FARS 2022, NICB Hot Spots Report 2022
Average Auto Insurance Rates in Oregon
The average annual auto insurance premium in Oregon is:
That's $109/month for full coverage
National avg: ~$$1,500/year
Top Auto Insurance Companies Operating in Oregon
Oregon Auto Insurance FAQ
What is the minimum car insurance required in Oregon?
Oregon requires minimum liability coverage of $25k/$50k/$20k. Additionally, Personal Injury Protection (PIP) of at least $15k is required. Uninsured/underinsured motorist coverage is also mandatory.
Is Oregon a no-fault or at-fault state?
Oregon is an at-fault (tort) state. The driver who caused the accident is responsible for the other party's damages. You would file a claim against the at-fault driver's insurance.
How much does car insurance cost in Oregon?
The average annual car insurance premium in Oregon is $1,311, which is 13% below the national average of $1,500. Rates vary significantly based on your driving record, age, vehicle, and ZIP code within the state.
Data Sources & Methodology
The information on this page is compiled from authoritative sources:
- •NAIC↗ — National Association of Insurance Commissioners complaint data
- •State DOI — State Department of Insurance rate filings
- •U.S. Census Bureau↗ — Population and demographic data
Insurance quotes and actual premiums will vary based on individual factors. This content is for informational purposes only.