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Like many states in the west, Oregon has a concentrated population near its largest city and a very sparse population spread out across the rest of the state. There are 4.1 million registered vehicles in Oregon, and 3.2 million are passenger vehicles. With 4.2 million people in the state, that’s just about one vehicle per person.

The Oregon Department of Motor Vehicles provides some interesting statistics that influence the auto insurance rates in this state. As the state’s population grows, the DMV here processes 200,000 new driver’s licenses each year. It also processes about 100,000 accident reports and suspends licenses 450,000 times a year. Some of those license suspensions are repeat offenders, according to the agency.

With so many new licenses and accidents each year, car insurance is a must for any driver in Oregon. What you pay for car insurance depends on a number of factors, including the driver's age. Young drivers are some of the most expensive to insure (since they are involved in more accidents than any other age group), and as of 2018, there are 400,000 drivers in Oregon under the age of 25. Older drivers are generally the least expensive to insure, and there are 950,000 drivers over the age of 60 in this state, including more than 400 over the age of 100!

Population density also affects car insurance rates. In 2018, there were more than half a million vehicles in Multnomah County, where Portland is located, with another 370,000 and 480,000 vehicles in Clackamas County and Washington County, respectively. Both of these counties are part of the Portland metro area. That’s nearly 1.5 million vehicles – more than a quarter of all the vehicles in the state – in the Portland metro area alone. The average commute in Oregon was calculated at 23.5 minutes. That includes the Portland metro area as well as the more sparsely populated areas in the southern and eastern parts of Oregon.

Cheapest Car Insurance Companies in Oregon

The rates shown here are based on a study performed by Quadrant Information services on behalf of U.S. News. The study examined rates from 10 largest car insurance companies in the United States, using certain driver profiles. Your rates will differ.

How We Found the Cheapest Car Insurance in Oregon

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings.

Our Study Rates

For this study, U.S. News worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage ranging from 6,000 and 12,000.

Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. To get the state-wide study rates shown here, we computed the mean rate for male and female drivers ages 24, 35 and 60 who drive 15,000 miles per year, have medium coverage, good credit and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

How Much Does Car Insurance Cost in Oregon?

See the Cheapest Car Insurance Companies

Oregon is one of the many states that sit in the middle of the range when it comes to car insurance costs. It’s not the most expensive, nor is it the cheapest. Still, our study found that Oregon’s average rates from the top nine national insurers ranged from about $900 to $1,750. Among these nine providers in our study, the average car insurance rate in the state was $1,220.

Bear in mind that the rates mentioned in this article are only representative averages, not the exact amount you should expect to pay. A wide range of factors contribute to the premiums charged by car insurance companies.

Oregon Car Insurance Rates by Age

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To find out how much car insurance costs in Oregon are affected by age, our study used representative driver profiles with good credit, medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. Our profiles included male and female drivers. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

The profile of a 25-year-old driver in our study had an average car insurance rate in Oregon of just under $1,400. At age 35, our driver profile had an average study rate of about $1,200. And at age 60, the driver profile's annual premium was about $100 lower, at an average study rate of $1,100.


25-year-old male

25-year-old female

35-year-old male

35-year-old female

60-year-old male

60-year-old female








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Oregon Car Insurance Rates by Driving Record

We analysed the effect a driving profile can have on car insurance rates in Oregon. We used male and female driver profiles aged 25, 35, and 60, and assigned them good credit, medium insurance coverage, and 12,000 miles of annual mileage. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

According to our study, the average representative rate for a driver profile with a clean record in Oregon is $1,220. A driver profile with one speeding ticket had an average rate in our study that was about $300 higher. With one accident added to the study profile, rates went up by about $600 compared to the profile with a clean record. When one DUI was added, the average rate rose by about $700, to nearly $2,000.


Clean record

With 1 speeding violation

With 1 accident

With 1 DUI






American Family

























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Oregon Car Insurance Rates by Credit Score

We also wanted to determine how much a poor credit score can raise rates over a good credit score. We used driver profiles in three categories: good credit, fair credit, and poor credit. The profiles were male and female drivers with the ages of 25, 35, and 60. Each profile had medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

A driver profile with poor credit in Oregon had an average study rate of more than $2,100. That’s about $900 more than our driver profile with good credit.









American Family




















State Farm












Oregon Auto Insurance Minimum Coverage Requirements

Like almost every state in the country, Oregon has minimum car insurance coverage requirements. It’s common to require liability insurance, which Oregon does, but this state also requires personal injury protection insurance and uninsured motorist coverage. These are the minimum required insurance limits in Oregon:

  • Bodily injury liability: $25,000 per person, $50,000 per accident

  • Property damage liability: $20,000 per accident

  • Personal injury protection: $15,000 per person

  • Uninsured motorist: $25,000 per person, $50,000 per accident

Bodily injury liability insurance pays for the medical costs of people hurt in an accident you caused, but it does not cover your own medical costs. Property damage liability insurance pays to repair vehicles (or other property) owned by another person that are damaged in an accident in which you are at fault. Personal injury protection coverage pays for your medical costs after an accident. Finally, uninsured motorist coverage pays for your medical costs when a driver who doesn't have car insurance causes an accident that injures you.

Learn more in our guide to how much car insurance you need.

Cheapest Car Insurance in Oregon

Note: Due to USAA's limited membership, we excluded them from this segment evaluation.


Cheapest Company

Drivers with a Military Affiliation


Single Male Young Adult Drivers


Single Female Young Adult Drivers


Married Adult Drivers


Senior Drivers


Drivers with Good Credit


Drivers with Poor Credit


Drivers with a Clean Record


Drivers with One Speeding Violation

State Farm

Drivers with One Accident

State Farm

Drivers with One DUI

State Farm

Low-mileage Drivers


High-mileage Drivers


Drivers with Low Coverage


Drivers with High Coverage


Drivers with Used Cars


Drivers with New Cars


To find which car insurance company offers the lowest rates in Oregon, our study used representative driver profiles with good credit, medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. Our profiles included male and females with the ages of 25, 35, and 60. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

The lowest average rates in our study were from USAA, which had an average of $883.71 in Oregon. Progressive came in second at $957.08, which was the only other average study rate below $1,000 in Oregon. We found that Travelers, State Farm, Geico, and Farmers all had average rates that were below the state average.

Why Car Insurance Rates Vary in Oregon

To find differences in car insurance rates in Oregon based on city of residence, our study used representative driver profiles with good credit, medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. Our profiles included males and females with the ages of 25, 35, and 60. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

You might think that the most expensive average car insurance rates in the state would belong to residents of the state’s largest city. But Portland’s average study rate of $1,514, while higher than most other cities in Oregon, wasn’t the highest in the state, according to our study. Its suburb to the east, Gresham, had an average study rate of $1,583, likely due to the longer commutes its drivers make compared to their Portland neighbors.

Smaller cities that are farther from the Portland metro area had lower rates in our study. According to our analysis, Eugene had the lowest average rate at $1,099. Its fellow university town, Corvallis, had the next-lowest average rates in our study, at $1,102.

How to Get the Cheapest Car Insurance in Oregon

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Most major insurers offer discounts on car insurance for those who bundle policies. Having more than one car on your policy or combining your car insurance with your homeowners or renters insurance can lower your rates. You can also often get discounts for younger drivers on your policy if they maintain a B average and qualify for a good student discount.

Be sure to shop around when you're looking for a new car insurance policy. The best way to know you're getting the cheapest rate for the best coverage is to compare quotes from different companies.

The most common way to lower your rates and keep them low is to be a good driver with a clean record. Some insurance companies offer discounts if your driving record remains spotless for six months or more. Once you have an accident or a citation, though, rates usually go up significantly.

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Important Laws Around Auto Insurance in Oregon

Oregon is a fault state rather than a no-fault state. That means that if you caused the accident, your liability insurance will pay for damages and medical bills for the others involved. Your own injuries will be covered by your personal injury protection insurance. Of course, there are always some people who don’t have insurance but drive anyway, which is why Oregon requires uninsured motorist coverage as well.

Oregon allows digital insurance cards, so you don’t have to carry a physical card in your glove box or wallet. If you’re pulled over, you can show proof of insurance on an app from your insurance company.

If your license has been suspended for driving without insurance or for a DUI, you can still be required to carry non-owners liability insurance, known as an SR-22 certificate. The Oregon DMV describes this as “proof of future responsibility,” and it must be in place to reinstate your driving privileges.

Oregon Driving Laws and Punishments

Oregon does not allow texting while driving, and it is a primary offense. That means that you can be pulled over and ticketed only for texting while driving; it doesn’t have to be tacked onto another offense like speeding or having a taillight out. Drivers under 18 are not allowed to use cell phones at all while driving, not even to make calls.

Oregon is one of the handful of states that has legalized medical and recreational marijuana consumption. Driving under the influence of marijuana is still driving under the influence, just like with alcohol, but it is trickier to regulate marijuana DUIs.

Other states, such as Colorado and Washington, have determined that a blood concentration of 5 mg/l of THC is the threshold for a marijuana DUI, but Oregon has decided to try something different. If you are pulled over on suspicion of DUI and you pass a breathalyzer test for alcohol in the field but still seem inebriated, you will be brought to a Drug Recognition Expert for evaluation. This person will determine if you are inebriated enough on anything – including marijuana but also inhalants – to be charged with a DUI. Because the body processes THC differently than it does alcohol, detection methods like urine tests are not reliable.

Oregon’s rules for an alcohol-related DUI are more familiar, with a blood alcohol limit of .08 percent. Oregon does not limit DUIs to those driving cars and trucks. You can be charged with a DUI while operating a boat, bicycle, scooter, or moped as well. Penalties for all DUIs include jail or community service, fines of at least $1,000, a one-year suspension of your driver’s license, and an interlock ignition device in your car for one year.

Uninsured motorist (UM) insurance is required in Oregon, with at least $15,000 of coverage. If you’re involved in an accident caused by a driver who does not have auto insurance, your UM coverage will cover your medical costs.

Oregon Car Insurance FAQs

Is car insurance required in Oregon?

@ Didier Marti/Getty Images

Yes, liability, personal injury protection, and uninsured motorist coverage are required.

Which cars are required to be insured in Oregon?

Any car that is registered to be driven needs to be insured. If a car is stored or inoperable and therefore not registered with the state, it does not need to have accident coverage.

When should I get car insurance in Oregon?

Drivers are required to register their car within 30 days of establishing residency in the state, and you have to have proof of insurance in order to register your car with the DMV.

What happens if my car is not properly insured in Oregon?

Driving without insurance can result in fines, a suspended license, your vehicle impounded, or the requirement to carry SR-22 liability coverage, even if your driving privileges are revoked.

Is Oregon a no-fault state?

Oregon is a fault state, which means blame for causing an accident will be assigned. The car insurance of the driver at fault will cover the medical and repair costs of others involved in the accident.

Do I need uninsured motorist coverage in Oregon?

Yes, you need a minimum of $15,000 in uninsured motorist coverage.

Is liability insurance required in Oregon?

Yes. The shorthand for minimum coverage in Oregon is 25/50/25: $25,000 bodily injury liability coverage per person, $50,000 bodily injury liability coverage per accident, and $25,000 property damage liability coverage per accident.

Does Oregon accept digital insurance cards?

Yes, digital insurance cards can be used as proof of insurance.