Are Auto Insurance Rates Rising or Falling in Oregon?

The Zebra
May 31, 2019

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


CityAvg. Rate Increase — 2018 vs. 2017
Gresham6.6%
Portland6.0%
Hillsboro5.8%
Eugene5.8%
Salem5.6%

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