- Oregon car insurance rates cost an average of $2,360 per year, or around $197 per month, for a full coverage policy.
- When compared to surrounding states, Oregon ranks eighth out of 11 western U.S. states for car insurance cost and ranks 28th out of all 50 U.S. states.
- The cheapest car insurance in Oregon is for small SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, Honda CR-V, and Buick Encore.
How much are Oregon car insurance rates?
The average car insurance cost in Oregon is $2,360 per year, which is 6.1% more than the U.S. average rate of $2,221 per year for full coverage car insurance.
Car insurance cost in Oregon per month ranges from as little as $145 on the Subaru Crosstrek up to well over $200 per month on luxury sports cars like the BMW i8 or Acura NSX.
Some of the cheaper car insurance quotes in Oregon can be found on models like the Chevrolet Trailblazer at $1,772 per year, the Ford Edge at $2,230 per year, the Subaru CrossTrek at $1,742 per year, the Mazda CX-5 at $1,926 per year, and the Honda Passport at $1,882 per year.
Luxury cars and SUVs like the BMW 530i, the Infiniti QX50, and the Lexus UX 200 have slightly higher car insurance rates at an average of $2,868 per year for the BMW, $2,294 for the Infiniti, and $2,314 for the Lexus.
The chart below shows average car insurance cost in Oregon broken out for five driver ages and three policy deductible amounts. Rates are averaged for all 2024 vehicle models.
Oregon auto insurance rates in the chart above range from $1,654 per year for a 60-year-old driver with $1,000 deductibles to $5,522 per year for a 20-year-old driver with $250 deductibles.
Younger drivers tend to pay higher car insurance rates, but the most expensive age group is not even included in the chart. That honor goes to teen drivers from age 16 to 19.
Average car insurance rates for teenagers in Oregon ranges from $5,619 per year for a 19-year-old female driver up to $8,406 per year for a 16-year-old male driver.
For 17 and 18-year-old drivers, average car insurance costs $7,801 to $8,144 per year for 17-year-olds and $6,734 to $7,300 per year for 18-year-olds.
How does Oregon car insurance compare to other states?
When compared to other states in the western part of the United States, average Oregon car insurance rates are 9.8% cheaper than Colorado, 18.5% cheaper than California, 1.3% more expensive than Montana, 17.8% more expensive than Idaho, and 2.4% more expensive than Washington.
When compared to states outside the western region, the average cost of auto insurance in Oregon is 15.4% cheaper than Florida, 4.2% more expensive than Illinois, 0.4% more expensive than Texas, 27.8% more expensive than Maine, and 15.3% cheaper than than New York.
Here is an example that illustrates the actual dollar difference to insure a 2024 Honda Accord in Oregon compared to the same vehicle in California, Washington, and Nevada.
The average cost to insure a new Accord with decent full-coverage insurance in Oregon is $2,278 per year for a policy with full coverage. In California, the same model of Toyota Camry would cost $2,742, in Washington the cost averages $2,228 and in Nevada the Camry would cost $2,718 per year to insure.
The chart below compares average Oregon car insurance cost to the other 10 states in the West region. Oregon ranks eighth out of the 11 states in the West region for cheapest car insurance rates, and ranks 28th overall when compared to the rest of the country.
Which models are have cheap car insurance in Oregon?
The cheapest vehicles to insure in Oregon are generally compact SUV models like the Nissan Kicks, Subaru Crosstrek, Kia Soul, and Chevrolet Trailblazer. Other models with very affordable car insurance quotes are the Toyota GR Corolla, Honda Passport, Chevrolet Colorado, Buick Envision, and Toyota Corolla Cross.
The list below details the cheapest vehicles to insure in each automotive segment.
- Cheapest compact car insurance – Toyota GR Corolla at $2,050 per year or $171 per month
- Cheapest compact SUV insurance – Subaru Crosstrek at $1,742 per year or $145 per month
- Cheapest midsize car insurance – Kia K5 at $2,274 per year or $190 per month
- Cheapest midsize SUV insurance – Honda Passport at $1,882 per year or $157 per month
- Cheapest full-size car insurance – Chrysler 300 at $2,246 per year or $187 per month
- Cheapest full-size SUV insurance – Chevrolet Tahoe at $2,216 per year or $185 per month
- Cheapest midsize pickup insurance – Chevrolet Colorado at $2,080 per year or $173 per month
- Cheapest full-size pickup insurance – Nissan Titan at $2,206 per year or $184 per month
- Cheapest heavy duty pickup insurance – GMC Sierra 2500 HD at $2,400 per year or $200 per month
- Cheapest minivan insurance – Honda Odyssey at $2,154 per year or $180 per month
- Cheapest sports car insurance – Mazda MX-5 Miata at $2,182 per year or $182 per month
- Cheapest compact luxury car insurance – Acura Integra at $2,098 per year or $175 per month
- Cheapest compact luxury SUV insurance – Acura RDX at $1,972 per year or $164 per month
- Cheapest midsize luxury car insurance – Mercedes-Benz CLA250 at $2,428 per year or $202 per month
- Cheapest midsize luxury SUV insurance – Jaguar E-Pace at $2,206 per year or $184 per month
- Cheapest full-size luxury car insurance – Audi A5 at $2,804 per year or $234 per month
- Cheapest full-size luxury SUV insurance – Infiniti QX80 at $2,646 per year or $221 per month
The next table shows average car insurance cost in Oregon for the top 50 cheapest vehicles to insure.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,742 | $145 |
| 2 | Chevrolet Trailblazer | $1,772 | $148 |
| 3 | Kia Soul | $1,840 | $153 |
| 4 | Nissan Kicks | $1,856 | $155 |
| 5 | Honda Passport | $1,882 | $157 |
| 6 | Buick Envision | $1,892 | $158 |
| 7 | Toyota Corolla Cross | $1,900 | $158 |
| 8 | Hyundai Venue | $1,916 | $160 |
| 9 | Mazda CX-5 | $1,926 | $161 |
| 10 | Ford Bronco Sport | $1,932 | $161 |
| 11 | Volkswagen Tiguan | $1,954 | $163 |
| 12 | Acura RDX | $1,972 | $164 |
| 13 | Nissan Murano | $1,982 | $165 |
| 14 | Buick Encore | $2,004 | $167 |
| 15 | Honda CR-V | $2,010 | $168 |
| 16 | Subaru Outback | $2,010 | $168 |
| 17 | Buick Envista | $2,016 | $168 |
| 18 | Volkswagen Taos | $2,022 | $169 |
| 19 | Kia Niro | $2,030 | $169 |
| 20 | Toyota GR Corolla | $2,050 | $171 |
| 21 | Honda HR-V | $2,054 | $171 |
| 22 | Subaru Ascent | $2,054 | $171 |
| 23 | Nissan Leaf | $2,066 | $172 |
| 24 | Chevrolet Colorado | $2,080 | $173 |
| 25 | Lexus NX 250 | $2,088 | $174 |
| 26 | Honda Civic | $2,090 | $174 |
| 27 | Volkswagen Atlas | $2,094 | $175 |
| 28 | Acura Integra | $2,098 | $175 |
| 29 | Subaru Forester | $2,100 | $175 |
| 30 | Volkswagen Atlas Cross Sport | $2,102 | $175 |
| 31 | Kia Seltos | $2,106 | $176 |
| 32 | GMC Terrain | $2,112 | $176 |
| 33 | Nissan Rogue | $2,120 | $177 |
| 34 | Hyundai Kona | $2,124 | $177 |
| 35 | Cadillac XT4 | $2,128 | $177 |
| 36 | Mazda CX-30 | $2,128 | $177 |
| 37 | Volkswagen ID4 | $2,138 | $178 |
| 38 | Ford Explorer | $2,140 | $178 |
| 39 | Toyota Highlander | $2,146 | $179 |
| 40 | Ford Escape | $2,152 | $179 |
| 41 | Toyota Venza | $2,152 | $179 |
| 42 | Honda Odyssey | $2,154 | $180 |
| 43 | Nissan Sentra | $2,162 | $180 |
| 44 | Subaru Impreza | $2,170 | $181 |
| 45 | Chevrolet Equinox | $2,172 | $181 |
| 46 | Toyota RAV4 | $2,178 | $182 |
| 47 | Mazda MX-5 Miata | $2,182 | $182 |
| 48 | Mazda MX-30 | $2,190 | $183 |
| 49 | Hyundai Tucson | $2,192 | $183 |
| 50 | Chevrolet Traverse | $2,202 | $184 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Oregon Zip Codes. Updated June 26, 2025
Oregon car insurance rates for popular vehicles
The charts below show average car insurance rates in Oregon for the Ford F150, Honda Civic, Subaru Outback, Toyota Camry, and Ford Mustang.
Ford F-150 insurance rates
Insuring a Ford F-150 in Oregon costs an average of $2,642 per year and ranges from $2,190 to $6,098 per year, or $183 to $508 per month, for the sample driver risk profiles shown in the chart below.
Other popular full-size trucks include the Nissan Titan, Chevrolet Silverado, Ram 1500, Toyota Tundra, and GMC Sierra.
Honda Civic insurance rates
Honda Civic car insurance rates in Oregon range from $1,738 to $4,742 per year for the driver profiles in the chart below. Honda Civic insurance costs an average of $2,090 per year or $174 per month in Oregon.
The Honda Civic belongs to the compact car segment, and other popular models include the Volkswagen Jetta, Toyota Corolla, Chevrolet Cruze, Nissan Sentra, and Hyundai Elantra.
Subaru Outback insurance rates
The chart below shows average Subaru Outback insurance cost in Oregon for different driver ages and risk profiles. Annual cost ranges from $1,672 to $4,628 per year for the example driver risk profiles, with average cost being $2,010 per year.
Other popular midsize SUVs include the Ford Edge, Kia Telluride, Honda Pilot, and Toyota 4Runner.
Toyota Camry insurance rates
Average Toyota Camry insurance rates in Oregon as shown in the chart below range from $2,108 to $5,830 per year, with the average cost being $2,536.
The Toyota Camry is considered a midsize car, and other models in this segment include the Chevrolet Malibu, Nissan Altima, Honda Accord, Hyundai Sonata, and Kia K5.
Ford Mustang insurance rates
The average cost for Ford Mustang insurance in Oregon is $2,594 per year. The chart below shows rates for additional driver profiles with prices ranging from $2,154 to $5,938 per year.
The Ford Mustang is a sports car and other vehicles in this segment include the Nissan 370Z, Toyota Supra, Chevrolet Camaro, Chevrolet Corvette, and Subaru BRZ.
Concluding rates and insights
A few additional insights into average car insurance rates in Oregon include:
- Excellent credit scores get the best rates. Having an excellent credit score over 800 could save $371 per year versus a slightly lower credit score between 670-739. Conversely, an imperfect credit score below 579 could cost as much as $430 more per year.
- Oregon auto insurance rates for teens are expensive. Average rates for full coverage auto insurance costs $8,406 per year for a 16-year-old driver, $8,144 per year for a 17-year-old driver, $7,300 per year for an 18-year-old driver, and $6,648 per year for a 19-year-old driver.
- It’s expensive to buy high-risk auto insurance. For a 20-year-old driver, having too many accidents or violations can cause a rate increase of $3,714 or more per year.
- Safe drivers have cheaper Oregon auto insurance. Having at-fault accidents will cost you more, potentially an additional $3,370 per year for a 20-year-old driver and as much as $578 per year for a 60-year-old driver.
- Age and gender affect car insurance rates. For the average 2024 model year vehicle, a 20-year-old male driver will pay an average rate of $4,750 per year, while a 20-year-old woman will pay $3,408, a difference of $1,342 per year. The females get the cheaper rate by far. But by age 50, the rate for men is $2,090 and female rates are $2,040, a difference of only $50.
Oregon car insurance cost by city
The list below shows average car insurance rates for some of the larger cities in Oregon, along with links to the rate detail pages for each. Visit any page to discover the average cost of auto insurance in that location, plus the cheapest autos to insure.
- Portland Car Insurance - $2,620 per year or $218 per month
- Eugene Car Insurance - $2,174 per year or $181 per month
- Salem Car Insurance - $2,394 per year or $200 per month
- Gresham Car Insurance - $2,778 per year or $232 per month
- Hillsboro Car Insurance - $2,446 per year or $204 per month
- Beaverton Car Insurance - $2,486 per year or $207 per month
- Bend Car Insurance - $2,192 per year or $183 per month
- Medford Car Insurance - $2,164 per year or $180 per month