Auto insurance is inexpensive in Oregon. The average car insurance price 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 to see unique quotes from top insurers.
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Oregon auto insurance rates by:
Mean Car Insurance Premiums in Oregon by Age Bracket
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
|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.
Average Car Insurance Outlays in Oregon by Gender
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
|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.
Average Auto Insurance Premiums in Oregon by Marital Status
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 annually 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|
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 $1,483.46 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 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!
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 $743.34 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 $1,097.85.
OREGON CAR INSURANCE PREMIUMS AFTER VIOLATIONS
|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 insurance shopping to find inexpensive insurance coverage that covers your vehicle appropriately.
Average Car Insurance Premiums by Coverage 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 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.