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

The Zebra
Oct. 11, 2018

Auto insurance policies are affordable in Oregon. The average auto insurance rate in Oregon is $1,377 annually — 3.5% less than the US average.

But auto insurance rates are affected by factors aside from the state in which you live. Car insurance premiums price based on a number of factors, including one's marital status, driving history, credit rating, gender, and age.

We analyzed average Oregon car insurance premiums by each of the most common rating factors. Read on to see how much car insurance runs in your location — or enter your zip code to view personalized rates from leading insurers.


Mean Car Insurance Prices in Oregon by Age

It's impossible to avoid: as you get older, your car insurance rates change. Generally, car insurance is pricier for young drivers, as car insurers view newer drivers as more risky.

In Oregon, car insurance costs $7,645 per year for a 16-year-old driver, but only $1,195 yearly for a client aged from 50 to 60.


OREGON AUTO INSURANCE RATES BY AGE
Age Average Yearly Rate
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



Mean Auto Insurance Costs in Oregon by Gender

While gender doesn’t carry as large an impact on auto insurance premiums as state or experience level, it is used as a rating factor. Men pay less than do women for auto insurance in Oregon, but the difference is only $45.10 per year.

OREGON AUTO INSURANCE PRICES BY GENDER
Gender Average Yearly Rate
Male $1,356.21
Female $1,401.31



Average Auto Insurance Premiums in Oregon by Marital Status

One benefit of marriage — in addition to the wedding gifts — is the lower rates you often get on your car insurance policy. In the state of Oregon, married drivers save $51 annually on car insurance. This is a smaller discount than the national post-wedding price cut of $76.


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



Average Auto Insurance Prices in Oregon by Credit History

Auto insurance companies reference credit score as a prediction of the reliability of a prospective customer. Data show motorists who hold exceptional credit histories are more dependable car insurance customers: they are less likely to file claims insurance companies are compelled to repay.

In Oregon, a driver who holds exceptional credit can save $1,483.46 annually on car insurance, compared with a driver with a less-favorable credit score. Learn more about how credit score impacts car insurance expenditures:


OREGON CAR INSURANCE PRICES BY CREDIT
Credit Level Average Yearly Rate
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



Average Auto Insurance Costs for Bad Drivers in Oregon

If you are determined to be at fault for a car crash or convicted of a vehicular offense, your insurance rates are bound to grow. The more red flags you accumulate, the more costly your car insurance policy becomes.

In Oregon, your first minor at-fault crash will cost you $743.34 annually in car insurance premiums. A DUI or DWI — considered one of the most serious vehicular infractions — could increase your annual insurance expenditure in Oregon by an average of $1,097.85.


OREGON CAR INSURANCE RATES AFTER OFFENSES
Age Average Yearly Premium
DWI/DUI $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 your car insurance premiums cost more than average, think about shopping policies to find inexpensive coverage that fits your budget.


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