Are Auto Insurance Rates Rising or Falling in Oregon?

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.

YearAvg. Annual Premium — OregonYearly Change — OregonAvg. Annual Premium — USAYearly Change — US

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.

CityAvg. Rate Increase — 2018 vs. 2017

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Kristine Lee
Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog,, and