How Much Is Car Insurance In Oregon? 2025 Rates

Car insurance in Oregon is a necessary expense for all drivers, offering protection against accidents, theft, and other unforeseen events.

In Oregon, the average cost for full-coverage car insurance is $1,991 per year, which is lower than the national average of $2,388. On the other hand, the cost of minimum coverage is $835 annually, just above the national average of $664.

In this article, we’ll explore the different types of car insurance coverage in Oregon, along with the costs and factors that affect how much you’ll pay. With over 12 years of experience as a licensed insurance agent, I’ll guide you in making a well-informed choice.

Additionally, where you live within Oregon can influence your auto insurance rates. Drivers in urban areas like Portland tend to pay higher premiums due to increased traffic, higher chances of accidents, and greater risk of theft. In contrast, rural areas may have lower rates due to less traffic and fewer claims.

Personal factors like your age, credit score, and marital status can influence your insurance premium. Knowing how these factors impact your rates can help you make better choices when looking for car insurance in Oregon.

Cost Of Car Insurance In Oregon – By Age

Age is another factor that influences car insurance rates in Oregon. Younger drivers, especially teens, tend to pay higher premiums due to their inexperience behind the wheel. Older, more experienced drivers usually pay less, but rates can rise again for those over 70.

Here is a table displaying the average car insurance costs by age:

Average Oregon Auto Insurance Rates – By Insurance Company

Car insurance rates in Oregon can vary significantly depending on the insurer. Companies like State Farm and Geico typically offer lower premiums, while providers such as Progressive, Allstate, and Farmers tend to have higher rates. Your specific rates will depend on factors like your driving history, age, location, and the type of coverage you choose. To get the best deal, it’s a good idea to compare quotes from several different auto insurance companies.

Here is a table displaying average auto insurance rates by six national carriers in Oregon:

Average Oregon Car Insurance Premiums – By Credit Score

Car insurance companies use credit history to predict how reliable a customer will be. Studies show that drivers with good credit are typically more responsible when it comes to car insurance, they are less likely to make claims.

Here is a table displaying average car insurance premiums based on different credit score categories in Oregon:

Average Car Insurance Costs In Oregon – By Gender

Men generally pay more for auto insurance than women, especially young male drivers compared to young female drivers.

This difference in premiums is largely due to statistical data showing that young men are more likely to be involved in accidents or risky driving behaviors, such as speeding or DUIs. Insurance companies view them as higher-risk drivers, which leads to higher rates.

Here is a table displaying average car insurance costs by gender in Oregon:

Cost Of Oregon Car Insurance – By Driver Record

If you’re found at fault in an accident or convicted of a driving violation, expect your car insurance rates to increase. The more offenses you have, the higher your premiums will be. The severity of the violation also plays a role in how much your rates will rise.

Any traffic violation will raise your insurance costs and affect your rates for as long as it stays on your record.

Here is a table displaying average car insurance costs based on different driving records in Oregon:

Average Oregon Auto Insurance Costs – By Marital Status

In Oregon, marital status can influence car insurance costs. On average, married couples tend to pay less for car insurance compared to single drivers. Insurance companies often see married drivers as more stable and less likely to engage in risky driving behavior, leading to lower premiums.

Single drivers, especially younger ones, may face higher rates due to the perceived risk of accidents.

Here is a table displaying average car insurance costs by marital status in Oregon:

Cost Of Car Insurance In Oregon – By Coverage Type

In Oregon, the cost of car insurance varies based on the type of coverage you choose. Full coverage, which includes liability, collision, and comprehensive protection, is the most expensive option but offers the most extensive protection. Minimum coverage in Oregon, required by law, is the least expensive and covers only the basics, such as liability for bodily injury and property damage.

Adding collision or comprehensive coverage to your policy will increase the premium, but these options still cost less than full coverage. The best choice depends on your budget and how much protection you want for your vehicle.

Here is a table displaying average car insurance costs by coverage type in Oregon:

Average Oregon Car Insurance Rates – By City

The city where you live play an important role in determining your car insurance rates in Oregon. Insurance companies take into account various factors specific to your location, such as the population density, crime rates, frequency of claims, and the overall cost of living in your ZIP code.

For example, areas with higher traffic, more accidents, or increased vehicle theft may lead to higher premiums. Conversely, rural areas with less congestion and fewer claims could result in lower insurance costs. Understanding these factors can help you make informed decisions when shopping for auto insurance.

In the following table, we explore the average car insurance costs in ten different Oregon cities to illustrate these differences.

Average Oregon Car Insurance Rates – By ZIP Code

Car insurance rates in Oregon can vary by ZIP code due to factors like traffic density, accident frequency, and crime rates. Urban areas like Portland typically have higher premiums due to increased congestion and claims. In contrast, rural areas with less traffic and lower risk often see more affordable rates.

In the following table, we look at average car insurance costs for ten diverse zip codes across Oregon, highlighting these localized variations.

Oregon Car Insurance Prices Compared To Other U.S. States

It’s important to compare car insurance rates across different states because it helps you understand how Oregon’s rates stack up against other states. This comparison can give you insights into why rates may be higher or lower in Oregon, based on factors like state-specific laws, population density, and risk factors.

Knowing where Oregon stands can also help you make more informed decisions when shopping for car insurance, ensuring you get the best coverage at the most competitive price.

The table below offers a detailed comparison of average car insurance rates in all U.S. states, giving you a better understanding of how Oregon compares nationally.