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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.
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.
|Age||Average Annual Premium|
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.
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.
|Gender||Average Yearly Rate|
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.
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.
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!
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:
|Credit Score||Average Annual Premium|
|Very Poor (300-579)||$2,664.45|
|Very Good (740-799)||$1,430.25|
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!
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.
|Age||Average Annual Premium|
|DUI or DWI||$2,475.07|
|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|
|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.
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.
|Coverage Level||Average 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.