Oregon Car Insurance Cost for 2021

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 $1,342 per year, which is 11.9% less than the U.S. average rate of $1,523 per year for full coverage car insurance.

Car insurance cost in Oregon per month ranges from as little as $83 on the Subaru Forester 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 $1,010 per year, the Ford Edge at $1,066 per year, the Subaru CrossTrek at $1,092 per year, the Toyota Tacoma at $1,130 per year, and the Subaru Outback at $1,138 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 $1,726 per year for the BMW, $1,362 for the Infiniti, and $1,358 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 2021 vehicle models.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Oregon car insurance rates for 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Oregon zip codes.
Average Car Insurance Cost in Oregon
Average Car Insurance Cost in Oregon
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,258$188
$500$2,664$222
$250$3,092$258
30$1,000$1,186$99
$500$1,414$118
$250$1,648$137
40$1,000$1,134$95
$500$1,342$112
$250$1,558$130
50$1,000$1,032$86
$500$1,218$102
$250$1,414$118
60$1,000$1,012$84
$500$1,196$100
$250$1,390$116

Oregon auto insurance rates in the chart above range from $1,012 per year for a 60-year-old driver with $1,000 deductibles to $3,092 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 $3,374 per year for a 19-year-old female driver up to $4,806 per year for a 16-year-old male driver.

For 17 and 18-year-old drivers, average car insurance costs $3,994 to $4,492 per year for 17-year-olds and $3,640 to $4,194 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 17.2% less expensive than Colorado, 19.9% less than California, 3.6% less than Montana, 32.1% more expensive than Idaho, and 12.2% more than Washington.

When compared to states outside the western region, the average cost of auto insurance in Oregon is 34.4% cheaper than Florida, 24.5% more expensive than Illinois, 8.8% cheaper than Texas, 39.8% more than Maine, and 20.2% 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 $1,340 per year for a policy with full coverage. In California, the same model of Toyota Camry would cost $1,680, in Washington the cost averages $1,192 and in Nevada the Camry would cost $1,700 per year.

The chart below compares average Oregon car insurance cost to the other 10 states in the West region. Oregon ranks sixth out of the 11 states in the West region for cheapest car insurance rates, and ranks 26th 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
Idaho$1,016-$326
Alaska$1,192-$150
Washington$1,196-$146
Hawaii$1,204-$138
Utah$1,240-$102
Oregon$1,342--
Wyoming$1,350$8
Montana$1,392$50
Colorado$1,620$278
California$1,676$334
Nevada$1,698$356

Which models are have cheap car insurance in Oregon?

The cheapest vehicles to insure in Oregon are compact SUV models like the Subaru Forester, Honda CR-V, and Mazda CX-3. Other models with very affordably 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 insuranceVolkswagen Golf at $1,070 per year or $89 per month
  • Cheapest compact SUV insuranceSubaru Forester at $996 per year or $83 per month
  • Cheapest midsize car insuranceMazda 6 at $1,244 per year or $104 per month
  • Cheapest midsize SUV insuranceFord Edge at $1,066 per year or $89 per month
  • Cheapest full-size car insuranceKia Cadenza at $1,360 per year or $113 per month
  • Cheapest full-size SUV insuranceToyota Sequoia at $1,324 per year or $110 per month
  • Cheapest midsize pickup insuranceToyota Tacoma at $1,130 per year or $94 per month
  • Cheapest full-size pickup insuranceFord F150 at $1,280 per year or $107 per month
  • Cheapest heavy duty pickup insuranceFord F350 Super Duty at $1,444 per year or $120 per month
  • Cheapest minivan insuranceKia Sedona at $1,136 per year or $95 per month
  • Cheapest sports car insuranceMazda Miata at $1,228 per year or $102 per month
  • Cheapest compact luxury car insuranceMercedes-Benz A220 at $1,314 per year or $110 per month
  • Cheapest compact luxury SUV insuranceVolvo XC40 at $1,106 per year or $92 per month
  • Cheapest midsize luxury car insuranceAcura ILX at $1,252 per year or $104 per month
  • Cheapest midsize luxury SUV insuranceVolvo V60 at $1,264 per year or $105 per month
  • Cheapest full-size luxury car insuranceVolvo S90 at $1,462 per year or $122 per month
  • Cheapest full-size luxury SUV insuranceVolvo XC90 at $1,288 per year or $107 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
1Subaru Forester$996$83
2Honda CR-V$1,010$84
3Ram Promaster City$1,048$87
4Mazda CX-3$1,054$88
5Toyota C-HR$1,060$88
6Kia Sportage$1,062$89
7Ford Edge$1,066$89
8Volkswagen Golf$1,070$89
9Mazda CX-5$1,080$90
10Subaru Crosstrek$1,092$91
11Chevrolet Spark$1,104$92
12Volvo XC40$1,106$92
13Hyundai Venue$1,114$93
14Volkswagen Atlas$1,122$94
15Hyundai Kona$1,126$94
16Kia Soul$1,126$94
17Subaru Impreza$1,126$94
18Toyota Tacoma$1,130$94
19Kia Telluride$1,132$94
20Chevrolet Blazer$1,134$95
21Kia Sedona$1,136$95
22Jeep Compass$1,138$95
23Subaru Outback$1,138$95
24Chevrolet Colorado$1,140$95
25Honda Passport$1,140$95
26Kia Rio5$1,140$95
27Mazda CX-30$1,140$95
28Nissan Kicks$1,140$95
29Mitsubishi Eclipse Cross$1,142$95
30Subaru Ascent$1,142$95
31Ford Escape$1,144$95
32Hyundai Tucson$1,146$96
33Nissan Frontier$1,156$96
34Volkswagen Tiguan$1,156$96
35Acura RDX$1,158$97
36Honda Pilot$1,158$97
37Toyota Corolla$1,162$97
38Ford Ecosport$1,164$97
39Buick Envision$1,172$98
40Kia Seltos$1,174$98
41Nissan Rogue Sport$1,182$99
42Chevrolet Trailblazer$1,190$99
43Chevrolet Trax$1,190$99
44Cadillac XT4$1,194$100
45Buick Encore$1,200$100
46Chevrolet Express$1,206$101
47Jeep Renegade$1,206$101
48Nissan Rogue$1,206$101
49Chevrolet Equinox$1,210$101
50Nissan Murano$1,210$101

    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.
    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 $1,280 per year and ranges from $1,062 to $2,900 per year, or $89 to $242 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 2021 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.
    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$2,900$242
    Safe Driver Age 20$2,540$212
    At-fault Accidents Age 40$1,808$151
    Low Deductibles Age 40$1,654$138
    Safe Driver Age 30$1,346$112
    Safe Driver Age 40$1,280$107
    Safe Driver Age 50$1,164$97
    Safe Driver Age 60$1,142$95
    High Deductibles Age 40$1,086$91
    Discount Rate Age 40$1,062$89

    Honda Civic insurance rates

    Honda Civic car insurance rates in Oregon range from $1,044 to $2,850 per year for the driver profiles in the chart below. Honda Civic insurance costs an average of $1,260 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 2021 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.
    Honda Civic Insurance Cost in Oregon
    Honda Civic Insurance Cost in Oregon
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,850$238
    Safe Driver Age 20$2,496$208
    At-fault Accidents Age 40$1,776$148
    Low Deductibles Age 40$1,632$136
    Safe Driver Age 30$1,324$110
    Safe Driver Age 40$1,260$105
    Safe Driver Age 50$1,146$96
    Safe Driver Age 60$1,124$94
    High Deductibles Age 40$1,066$89
    Discount Rate Age 40$1,044$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 $946 to $2,572 per year for the example driver risk profiles, with average cost being $1,138 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 2021 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.
    Subaru Outback Insurance Cost in Oregon
    Subaru Outback Insurance Cost in Oregon
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,572$214
    Safe Driver Age 20$2,254$188
    At-fault Accidents Age 40$1,604$134
    Low Deductibles Age 40$1,470$123
    Safe Driver Age 30$1,196$100
    Safe Driver Age 40$1,138$95
    Safe Driver Age 50$1,034$86
    Safe Driver Age 60$1,016$85
    High Deductibles Age 40$964$80
    Discount Rate Age 40$946$79

    Toyota Camry insurance rates

    Average Toyota Camry insurance rates in Oregon as shown in the chart below range from $1,114 to $3,040 per year, with the average cost being $1,340.

    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 2021 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.
    Toyota Camry Insurance Cost in Oregon
    Toyota Camry Insurance Cost in Oregon
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,040$253
    Safe Driver Age 20$2,666$222
    At-fault Accidents Age 40$1,890$158
    Low Deductibles Age 40$1,752$146
    Safe Driver Age 30$1,416$118
    Safe Driver Age 40$1,340$112
    Safe Driver Age 50$1,220$102
    Safe Driver Age 60$1,198$100
    High Deductibles Age 40$1,128$94
    Discount Rate Age 40$1,114$93

    Ford Mustang insurance rates

    The average cost for Ford Mustang insurance in Oregon is $1,500 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,246 to $3,406 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 2021 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.
    Ford Mustang Insurance Cost in Oregon
    Ford Mustang Insurance Cost in Oregon
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,406$284
    Safe Driver Age 20$2,984$249
    At-fault Accidents Age 40$2,110$176
    Low Deductibles Age 40$1,984$165
    Safe Driver Age 30$1,590$133
    Safe Driver Age 40$1,500$125
    Safe Driver Age 50$1,366$114
    Safe Driver Age 60$1,342$112
    High Deductibles Age 40$1,252$104
    Discount Rate Age 40$1,246$104

    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 $211 per year versus a slightly lower credit score between 670-739. Conversely, an imperfect credit score below 579 could cost as much as $244 more per year.
    • Oregon auto insurance rates for teens are expensive. Average rates for full coverage auto insurance costs $4,806 per year for a 16-year-old driver, $4,492 per year for a 17-year-old driver, $4,194 per year for a 18-year-old driver, and $3,794 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 $2,070 or more per year.
    • Safe drivers have cheaper Oregon auto insurance. Having at-fault accidents will cost you more, potentially an additional $1,874 per year for a 20-year-old driver and as much as $406 per year for a 60-year-old driver.
    • Age and gender affect car insurance rates. For the average 2021 model year vehicle, a 20-year-old male driver will pay an average rate of $2,664 per year, while a 20-year-old woman will pay $1,978, a difference of $686 per year. The females get the cheaper rate by far. But by age 50, the rate for men is $1,218 and female rates are $1,196, a difference of only $22.