Oregon Car Insurance Cost for 2022

How much is average car insurance cost in Oregon? We find the cheapest car insurance by vehicle type and rank Oregon against other western states.

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How much are Oregon car insurance rates?

The average car insurance cost in Oregon is $1,278 per year, which is 17.6% less than the U.S. average rate of $1,551 per year for full coverage car insurance.

Car insurance cost in Oregon per month ranges from as little as $94 on the Mazda CX-30 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 Honda CR-V at $1,116 per year, the Ford Edge at $1,150 per year, the Subaru CrossTrek at $1,026 per year, the Toyota Tacoma at $1,186 per year, and the Subaru Outback at $1,170 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 $1,584 per year for the BMW, $1,348 for the Infiniti, and $1,304 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 2022 vehicle models.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Oregon car insurance rates for 2022 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Oregon zip codes.Data last updated on May 19, 2022
Average Car Insurance Cost in Oregon
Average Car Insurance Cost in Oregon
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,148$179
$500$2,530$211
$250$2,934$245
30$1,000$1,124$94
$500$1,342$112
$250$1,564$130
40$1,000$1,082$90
$500$1,278$107
$250$1,482$124
50$1,000$984$82
$500$1,162$97
$250$1,346$112
60$1,000$966$81
$500$1,140$95
$250$1,320$110

Oregon auto insurance rates in the chart above range from $966 per year for a 60-year-old driver with $1,000 deductibles to $2,934 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 $3,204 per year for a 19-year-old female driver up to $4,568 per year for a 16-year-old male driver.

For 17 and 18-year-old drivers, average car insurance costs $3,794 to $4,270 per year for 17-year-olds and $3,454 to $3,986 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 21.4% less expensive than Colorado, 26.8% less than California, 13.9% less than Montana, 6.1% more expensive than Idaho, and 10.4% more than Washington.

When compared to states outside the western region, the average cost of auto insurance in Oregon is 42.6% cheaper than Florida, 3.7% more expensive than Illinois, 11% cheaper than Texas, 21.3% more than Maine, and 21.1% cheaper than than New York.

Here is an example that illustrates the actual dollar difference to insure a Toyota Camry in Oregon compared to the same vehicle in California, Washington, and Nevada. Average Toyota Camry insurance cost in Oregon is $1,256 per year for a policy with full coverage. In California, the same model of Toyota Camry would cost $1,714, in Washington the cost averages $1,138 and in Nevada the Camry would cost $1,644 per year.

The chart below compares average Oregon car insurance cost to the other 10 states in the West region. Oregon ranks fifth out of the 11 states in the West region for cheapest car insurance rates, and ranks 20th overall when compared to the rest of the country.

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Oregon Car Insurance Cost Compared to West Region
Average Car Insurance Cost in Oregon Compared to West Region
West Region States Average Insurance Cost Annual Difference
Hawaii$1,036-$242
Washington$1,158-$120
Idaho$1,204-$74
Utah$1,258-$20
Oregon$1,278--
Alaska$1,338$60
Wyoming$1,398$120
Montana$1,484$206
Colorado$1,626$348
Nevada$1,672$394
California$1,746$468

Which models are have cheap car insurance in Oregon?

The cheapest vehicles to insure in Oregon are generally compact SUV models like the Mazda CX-3, Honda CR-V, and Mazda CX-5. Other models with very affordable car insurance quotes are the Volkswagen Golf, Volvo XC40, Hyundai Kona, Subaru Impreza, and Chevrolet Blazer.

The list below details the cheapest vehicles to insure in each automotive segment.

  • Cheapest compact car insuranceSubaru Impreza at $1,106 per year or $92 per month
  • Cheapest compact SUV insuranceMazda CX-5 at $970 per year or $81 per month
  • Cheapest midsize car insuranceSubaru Legacy at $1,234 per year or $103 per month
  • Cheapest midsize SUV insuranceHonda Passport at $1,026 per year or $86 per month
  • Cheapest full-size car insuranceToyota Avalon at $1,340 per year or $112 per month
  • Cheapest full-size SUV insuranceChevrolet Tahoe at $1,280 per year or $107 per month
  • Cheapest midsize pickup insuranceChevrolet Colorado at $1,050 per year or $88 per month
  • Cheapest full-size pickup insuranceFord F150 at $1,234 per year or $103 per month
  • Cheapest heavy duty pickup insuranceFord F350 Super Duty at $1,386 per year or $116 per month
  • Cheapest minivan insuranceHonda Odyssey at $1,190 per year or $99 per month
  • Cheapest sports car insuranceMazda MX-5 Miata at $1,106 per year or $92 per month
  • Cheapest compact luxury car insuranceMercedes-Benz A220 at $1,254 per year or $105 per month
  • Cheapest compact luxury SUV insuranceAcura RDX at $1,094 per year or $91 per month
  • Cheapest midsize luxury car insuranceAcura ILX at $1,174 per year or $98 per month
  • Cheapest midsize luxury SUV insuranceCadillac XT5 at $1,254 per year or $105 per month
  • Cheapest full-size luxury car insuranceAudi A5 at $1,496 per year or $125 per month
  • Cheapest full-size luxury SUV insuranceVolvo XC90 at $1,380 per year or $115 per month

The next table shows average car insurance cost in Oregon for the top 50 cheapest vehicles to insure.

Top 50 Cheapest Car Insurance Rates in Oregon
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$970$81
2Nissan Kicks$996$83
3Chevrolet Trailblazer$1,002$84
4Honda Passport$1,026$86
5Subaru Crosstrek$1,026$86
6Chevrolet Colorado$1,050$88
7Toyota C-HR$1,054$88
8Buick Encore$1,056$88
9Nissan Rogue Sport$1,064$89
10Hyundai Venue$1,084$90
11Kia Seltos$1,086$91
12Buick Envision$1,088$91
13Ford Maverick$1,090$91
14Acura RDX$1,094$91
15Subaru Ascent$1,096$91
16Toyota Corolla Cross$1,096$91
17Hyundai Kona$1,104$92
18Subaru Forester$1,104$92
19Mazda MX-5 Miata$1,106$92
20Subaru Impreza$1,106$92
21Volkswagen Tiguan$1,106$92
22Chevrolet Spark$1,112$93
23Honda CR-V$1,116$93
24Cadillac XT4$1,122$94
25Mazda CX-30$1,128$94
26Ford Ranger$1,134$95
27Honda HR-V$1,148$96
28Ford Edge$1,150$96
29Ford Ecosport$1,158$97
30Chevrolet Trax$1,170$98
31Subaru Outback$1,170$98
32Acura ILX$1,174$98
33GMC Terrain$1,176$98
34Mitsubishi Eclipse Cross$1,178$98
35Nissan Murano$1,184$99
36Hyundai Tucson$1,186$99
37Toyota Tacoma$1,186$99
38Chevrolet Bolt$1,190$99
39Honda Odyssey$1,190$99
40Toyota Venza$1,192$99
41Chevrolet Equinox$1,194$100
42Volkswagen Taos$1,198$100
43Ford Explorer$1,200$100
44Fiat 500X$1,202$100
45Toyota RAV4$1,206$101
46Kia Sorento$1,208$101
47Kia Soul$1,208$101
48Nissan Frontier$1,216$101
49GMC Canyon$1,224$102
50Hyundai Palisade$1,224$102

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Oregon.Data last updated on March 24, 2022
    Top 50 Cheapest Car Insurance Rates in Oregon

    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 $1,234 per year and ranges from $1,026 to $2,790 per year, or $86 to $233 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 model year Ford F150 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford F150 car insurance cost in Oregon includes all Zip Codes and vehicle trim levels.Data last updated on May 19, 2022
    Ford F-150 Insurance Cost in Oregon
    Ford F150 Insurance Cost in Oregon
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,790$233
    Safe Driver Age 20$2,444$204
    At-fault Accidents Age 40$1,740$145
    Low Deductibles Age 40$1,594$133
    Safe Driver Age 30$1,296$108
    Safe Driver Age 40$1,234$103
    Safe Driver Age 50$1,122$94
    Safe Driver Age 60$1,102$92
    High Deductibles Age 40$1,048$87
    Discount Rate Age 40$1,026$86

    Honda Civic insurance rates

    Honda Civic car insurance rates in Oregon range from $1,048 to $2,848 per year for the driver profiles in the chart below. Honda Civic insurance costs an average of $1,262 per year or $105 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 model year Honda Civic with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Civic car insurance cost in Oregon includes all Zip Codes and vehicle trim levels.Data last updated on May 19, 2022
    Honda Civic Insurance Cost in Oregon
    Honda Civic Insurance Cost in Oregon
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,848$237
    Safe Driver Age 20$2,496$208
    At-fault Accidents Age 40$1,780$148
    Low Deductibles Age 40$1,622$135
    Safe Driver Age 30$1,326$111
    Safe Driver Age 40$1,262$105
    Safe Driver Age 50$1,154$96
    Safe Driver Age 60$1,130$94
    High Deductibles Age 40$1,074$90
    Discount Rate Age 40$1,048$87

    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 $974 to $2,674 per year for the example driver risk profiles, with average cost being $1,170 per year.

    Other popular midsize SUVs include the Ford Edge, Kia Telluride, Honda Pilot, and Toyota 4Runner.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 model year Subaru Outback with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Subaru Outback car insurance cost in Oregon includes all Zip Codes and vehicle trim levels.Data last updated on May 19, 2022
    Subaru Outback Insurance Cost in Oregon
    Subaru Outback Insurance Cost in Oregon
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,674$223
    Safe Driver Age 20$2,342$195
    At-fault Accidents Age 40$1,648$137
    Low Deductibles Age 40$1,558$130
    Safe Driver Age 30$1,242$104
    Safe Driver Age 40$1,170$98
    Safe Driver Age 50$1,066$89
    Safe Driver Age 60$1,048$87
    High Deductibles Age 40$976$81
    Discount Rate Age 40$974$81

    Toyota Camry insurance rates

    Average Toyota Camry insurance rates in Oregon as shown in the chart below range from $1,044 to $2,840 per year, with the average cost being $1,256.

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 model year Toyota Camry with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Camry car insurance cost in Oregon includes all Zip Codes and vehicle trim levels.Data last updated on May 19, 2022
    Toyota Camry Insurance Cost in Oregon
    Toyota Camry Insurance Cost in Oregon
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,840$237
    Safe Driver Age 20$2,490$208
    At-fault Accidents Age 40$1,764$147
    Low Deductibles Age 40$1,640$137
    Safe Driver Age 30$1,324$110
    Safe Driver Age 40$1,256$105
    Safe Driver Age 50$1,142$95
    Safe Driver Age 60$1,122$94
    High Deductibles Age 40$1,058$88
    Discount Rate Age 40$1,044$87

    Ford Mustang insurance rates

    The average cost for Ford Mustang insurance in Oregon is $1,346 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,120 to $3,022 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 model year Ford Mustang with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford Mustang car insurance cost in Oregon includes all Zip Codes and vehicle trim levels.Data last updated on May 19, 2022
    Ford Mustang Insurance Cost in Oregon
    Ford Mustang Insurance Cost in Oregon
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,022$252
    Safe Driver Age 20$2,652$221
    At-fault Accidents Age 40$1,882$157
    Low Deductibles Age 40$1,764$147
    Safe Driver Age 30$1,422$119
    Safe Driver Age 40$1,346$112
    Safe Driver Age 50$1,222$102
    Safe Driver Age 60$1,198$100
    High Deductibles Age 40$1,128$94
    Discount Rate Age 40$1,120$93

    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 $201 per year versus a slightly lower credit score between 670-739. Conversely, an imperfect credit score below 579 could cost as much as $233 more per year.
    • Oregon auto insurance rates for teens are expensive. Average rates for full coverage auto insurance costs $4,568 per year for a 16-year-old driver, $4,270 per year for a 17-year-old driver, $3,986 per year for a 18-year-old driver, and $3,606 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 $1,964 or more per year.
    • Safe drivers have cheaper Oregon auto insurance. Having at-fault accidents will cost you more, potentially an additional $1,776 per year for a 20-year-old driver and as much as $382 per year for a 60-year-old driver.
    • Age and gender affect car insurance rates. For the average 2022 model year vehicle, a 20-year-old male driver will pay an average rate of $2,530 per year, while a 20-year-old woman will pay $1,880, a difference of $650 per year. The females get the cheaper rate by far. But by age 50, the rate for men is $1,162 and female rates are $1,136, a difference of only $26.

    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.