Most drivers can attest to the fact insurance rates commonly increase year-over-year. But auto insurance pricing is complex: the reasons for rate hikes or price breaks are myriad, and vary based on the driver's location.
A client's location is one of the rating factors insurance companies use to set rates. The local area and state in which a car is stored and driven contribute to car insurance prices — this comes down to state regulations and the varying risks associated with insuring cars in different areas.
Because auto insurance pricing is so multi-faceted, yearly pricing trends are different in every state. Car insurance rates might be increasing each year in a state while they fall for drivers a single state over.
See below trending auto insurance prices in Oregon. If your policy isn't following your state's trend, consider shopping for a cheaper insurance option. The Zebra's car insurance comparison engine allows you to get auto insurance rates based on your details — enter your ZIP below to get started.
Car insurance pricing trends in Oregon
In Oregon, average annual auto insurance premiums went up by $118 in the past year. A typical Oregon driver pays an average of $1,393 per year.
The recent trend in Oregon leans toward more expensive auto insurance costs. Between 2015 and 2018, rates grew more expensive by $214 annually. Meanwhile, insurance rates across the US have jumped in the past few years, increasing from $1,280 in 2015 to $1,470 in 2018.
YEARLY INSURANCE RATE TRENDS IN OREGON
| Year | Avg. Annual Premium — Oregon | Yearly Change — Oregon | Avg. Annual Premium — USA | Yearly Change — US |
| 2018 | $1,393 | $118 | $1,470 | $32 |
| 2017 | $1,275 | -$43 | $1,437 | $69 |
| 2016 | $1,318 | $139 | $1,368 | $88 |
| 2015 | $1,179 | $27 | $1,280 | $51 |
| 2014 | $1,152 | $148 | $1,229 | $34 |
| 2013 | $1,004 | $102 | $1,195 | -$80 |
| 2012 | $902 | -$76 | $1,276 | $82 |
If your rates are rising faster than the average in your state, shop around for a better deal.
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How are car insurance rates changing in the largest cities in Oregon?
Auto insurance policies are priced at the ZIP code level with a number of location-specific variables impacting rates. That means drivers could see major differences in their insurance rates, based solely on their ZIP code or city. For example, Gresham drivers endured a larger yearly rate increase (6.6%) than did drivers in Portland (6.0%) between 2018 and 2017.
See below annual rates of change in major Oregon cities. If your city is on the expensive side — and moving isn't an option — consider shopping around for a more affordable rate.
| City | Avg. Rate Increase — 2018 vs. 2017 |
| Gresham | 6.6% |
| Portland | 6.0% |
| Hillsboro | 5.8% |
| Eugene | 5.8% |
| Salem | 5.6% |
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