What's the Average Cost of Auto Insurance in Oregon?

Paying more than the statewide average of $114 per month? Find out how to save.

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The average cost of car insurance in Oregon is $1,377 annually — less than the national average by 3.5%.

Your car insurance rates are affected by factors other than your location. Car insurance premiums take into account myriad factors, including the insured party's age, gender, marital status, credit rating, and driving history.

We assessed typical Oregon auto insurance rates by all of the most common rating components. Read on to see how much car insurance costs in each US state — or submit your ZIP below to compare quotes from top insurers side-by-side.

 

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Oregon auto insurance rates by:

  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level
 

Car insurance premiums in Oregon by age

It’s a fact of life: as you get older, your auto insurance prices shift. Generally, car insurance is more expensive for young drivers and teens, as insurers view inexperienced drivers as riskier.

In Oregon, car coverage costs $7,645 each year for a 16-year-old driver, compared to $1,195 per annum for a client between 50 and 59 years of age.

 
OREGON CAR INSURANCE PRICES BY AGE BRACKET
AgeAverage Annual Premium
16$7,644.77
17$6,315.89
18$5,114.29
19$3,266.02
20s$1,805.10
30s$1,340.24
40s$1,270.42
50s$1,194.82
60s$1,211.59
70s$1,484.81

If you're shopping for car insurance for a teen driver, Oregon is the 39th cheapest state in which to buy auto insurance for a 16-year-old.

 

 

Average car insurance costs by gender in Oregon

While gender does not carry as significant an impact on car insurance rates as location or age, it is utilized as a pricing factor by auto insurance companies.

 
OREGON CAR INSURANCE RATES FOR WOMEN AND MEN
GenderAverage Yearly Rate
Male$1,356.21
Female$1,401.31

If you think you aren't getting the best deal with your present auto insurer, the best option is to compare rates and shop around.

 

 

Average auto insurance rates by marital status in Oregon

A benefit of getting hitched — aside from the honeymoon — is the improved deal you typically receive on your car insurance policy. In Oregon, married drivers save $51 per year on auto insurance. This is a smaller discount than the national average of $76.

 
OREGON AUTO INSURANCE COSTS BY MARITAL STATUS
Marital Status
Average Annual Rate
Single$1,356.21
Married$1,305.69
Divorced$1,360.60
Widowed$1,359.25

Car insurance coverage for divorced drivers in Oregon is the 24th most expensive in the US. If you think you're overpaying for your auto insurance policy, shop around. You could find a great policy for less!

 

 

Average car insurance costs in Oregon by credit score

Car insurers use credit history as a prediction of how reliable a client will be. Historical trends suggest drivers with exceptional credit are often more dependable car insurance customers: they are less likely to file claims covered by auto insurance.

In Oregon, a motorist who holds exceptional credit can save $1,483 per year in car insurance premiums, versus a driver with a poor credit score. Read more about how credit history affects car insurance premiums:

 
OREGON AUTO INSURANCE PRICES BY CREDIT TIER
Credit ScoreAverage Annual Premium
Very Poor (300-579)$2,664.45
Fair (580-669)$2,176.57
Good (670-739)$1,751.68
Very Good (740-799)$1,430.25
Exceptional (800-850)$1,180.99

Finding cheap car insurance if you're saddled with poor credit is difficult. But The Zebra is here to help. Check out our guide to finding car insurance with poor credit and start saving!

 

 

Average car insurance costs for high-risk drivers in Oregon

If you are defined as at fault in an accident or convicted of a driving offense, your car insurance rates are bound to climb. The more red flags you accrue, the more expensive your car insurance becomes.

In Oregon, your first minor at-fault collision leads to a penalty of $743 each year in car insurance payments. A DUI — one of the most serious driving violations — may raise your yearly insurance rates in Oregon by an average of $1,097.

 
OREGON CAR INSURANCE PREMIUMS AFTER VIOLATIONS
AgeAverage Annual Premium
DUI or DWI$2,475.07
Reckless Driving$2,342.99
At-Fault Accident (<$1,000)$2,120.55
At-Fault Accident ($1,000-$2,000)$2,155.21
At-Fault Accident (>$2,000)$2,120.55
Open Container$1,851.93
Speeding (21-25 MPH > limit)$1,736.49
Speeding (16-20 MPH > limit)$1,716.79

If you're facing above-average car insurance costs, think about comparing rates to find insurance coverage that covers your vehicle appropriately.

 

 

Average car insurance premiums by coverage tier in Oregon

The amount you are charged monthly for car insurance depends on the level of coverage you choose. A liability-only policy generally costs less, while lower-deductible comprehensive coverage costs more. In Oregon, the cost differential between liability-only coverage and comprehensive coverage with a $500 deductible is $578.

 
OREGON CAR INSURANCE COSTS BY COVERAGE LEVEL
Coverage LevelAverage Yearly Premium
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only$769
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,228
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,335
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only$704
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,169
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,277
State Minimum — Liability Only$639
State Minimum — $1,000 Comprehensive/Collision$1,108
State Minimum — $500 Comprehensive/Collision$1,217

If your premiums are above-average, it's worth getting quotes to find reasonably priced coverage that meets your needs.

 

Find a policy today.

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Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.