Oregon Car Insurance Cost for 2023

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 $1,648 per year, which is 2.2% less than the U.S. average rate of $1,685 per year for full coverage car insurance.

Car insurance cost in Oregon per month ranges from as little as $104 on the Chevrolet Trailblazer 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 $1,246 per year, the Ford Edge at $1,396 per year, the Subaru CrossTrek at $1,258 per year, the Mazda CX-5 at $1,294 per year, and the Honda Passport at $1,280 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 $1,982 per year for the BMW, $1,526 for the Infiniti, and $1,580 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 2023 vehicle models.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Oregon car insurance rates for 2023 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 December 29, 2022
Average Car Insurance Cost in Oregon
Average Car Insurance Cost in Oregon
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,774$231
$500$3,278$273
$250$3,806$317
30$1,000$1,456$121
$500$1,738$145
$250$2,030$169
40$1,000$1,390$116
$500$1,648$137
$250$1,916$160
50$1,000$1,268$106
$500$1,500$125
$250$1,740$145
60$1,000$1,244$104
$500$1,472$123
$250$1,708$142

Oregon auto insurance rates in the chart above range from $1,244 per year for a 60-year-old driver with $1,000 deductibles to $3,806 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 $4,148 per year for a 19-year-old female driver up to $5,902 per year for a 16-year-old male driver.

For 17 and 18-year-old drivers, average car insurance costs $4,904 to $5,518 per year for 17-year-olds and $4,474 to $5,156 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 12.9% cheaper than Colorado, 22.8% cheaper than California, 1.7% more expensive than Montana, 31.2% more expensive than Idaho, and 3.3% more expensive than Washington.

When compared to states outside the western region, the average cost of auto insurance in Oregon is 25% cheaper than Florida, 6.6% more expensive than Illinois, 0.6% more expensive than Texas, 55.2% more expensive than Maine, and 19.3% cheaper than than New York.

Here is an example that illustrates the actual dollar difference to insure a 2023 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 $1,666 per year for a policy with full coverage. In California, the same model of Toyota Camry would cost $2,158, in Washington the cost averages $1,608 and in Nevada the Camry would cost $2,132 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.

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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$1,202-$446
Idaho$1,256-$392
Alaska$1,338-$310
Utah$1,546-$102
Wyoming$1,566-$82
Washington$1,596-$52
Montana$1,620-$28
Oregon$1,648--
Colorado$1,892$244
Nevada$2,110$462
California$2,134$486

Which models are have cheap car insurance in Oregon?

The cheapest vehicles to insure in Oregon are generally compact SUV models like the Nissan Rogue Sport, Chevrolet Trailblazer, Nissan Kicks, and Subaru Crosstrek. Other models with very affordable car insurance quotes are the Subaru Impreza, Honda Passport, Ford Maverick, Mazda CX-5, and Buick Encore.

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

  • Cheapest compact car insuranceSubaru Impreza at $1,364 per year or $114 per month
  • Cheapest compact SUV insuranceChevrolet Trailblazer at $1,246 per year or $104 per month
  • Cheapest midsize car insuranceSubaru Legacy at $1,518 per year or $127 per month
  • Cheapest midsize SUV insuranceHonda Passport at $1,280 per year or $107 per month
  • Cheapest full-size car insuranceChrysler 300 at $1,606 per year or $134 per month
  • Cheapest full-size SUV insuranceChevrolet Tahoe at $1,544 per year or $129 per month
  • Cheapest midsize pickup insuranceFord Maverick at $1,366 per year or $114 per month
  • Cheapest full-size pickup insuranceNissan Titan at $1,630 per year or $136 per month
  • Cheapest heavy duty pickup insuranceGMC Sierra 2500 HD at $1,686 per year or $141 per month
  • Cheapest minivan insuranceHonda Odyssey at $1,504 per year or $125 per month
  • Cheapest sports car insuranceMazda MX-5 Miata at $1,522 per year or $127 per month
  • Cheapest compact luxury car insuranceAcura Integra at $1,480 per year or $123 per month
  • Cheapest compact luxury SUV insuranceAcura RDX at $1,374 per year or $115 per month
  • Cheapest midsize luxury car insuranceCadillac CT5 at $1,772 per year or $148 per month
  • Cheapest midsize luxury SUV insuranceLexus RX 350 at $1,476 per year or $123 per month
  • Cheapest full-size luxury car insuranceAudi A5 at $1,848 per year or $154 per month
  • Cheapest full-size luxury SUV insuranceVolvo XC90 at $1,698 per year or $142 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
1Chevrolet Trailblazer$1,246$104
2Subaru Crosstrek$1,258$105
3Nissan Kicks$1,262$105
4Honda Passport$1,280$107
5Nissan Rogue Sport$1,286$107
6Mazda CX-5$1,294$108
7Buick Encore$1,314$110
8Buick Envision$1,318$110
9Kia Seltos$1,334$111
10Subaru Ascent$1,340$112
11Hyundai Venue$1,344$112
12Subaru Impreza$1,364$114
13Ford Maverick$1,366$114
14Honda HR-V$1,368$114
15Chevrolet Colorado$1,372$114
16Acura RDX$1,374$115
17Hyundai Kona$1,382$115
18Subaru Forester$1,390$116
19Ford Edge$1,396$116
20Honda CR-V$1,396$116
21Mazda CX-30$1,400$117
22Ford Explorer$1,404$117
23Volkswagen Atlas$1,406$117
24Chevrolet Trax$1,416$118
25Nissan Murano$1,416$118
26Subaru Outback$1,418$118
27Nissan Frontier$1,420$118
28Volkswagen Tiguan$1,432$119
29Ford Bronco Sport$1,434$120
30Fiat 500X$1,460$122
31Ford Ranger$1,462$122
32GMC Terrain$1,464$122
33Kia Soul$1,466$122
34Mitsubishi Eclipse Cross$1,468$122
35Volkswagen Atlas Cross Sport$1,470$123
36Lexus RX 350$1,476$123
37Acura Integra$1,480$123
38Chevrolet Equinox$1,482$124
39Cadillac XT4$1,486$124
40Toyota Corolla Cross$1,488$124
41Volkswagen Taos$1,492$124
42GMC Canyon$1,494$125
43Toyota Venza$1,502$125
44Honda Odyssey$1,504$125
45Mazda CX-50$1,504$125
46Toyota Tacoma$1,504$125
47Hyundai Tucson$1,506$126
48Volkswagen Jetta$1,506$126
49Ford Escape$1,510$126
50Kia Sorento$1,512$126

    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 December 30, 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 $1,674 per year and ranges from $1,390 to $3,776 per year, or $116 to $315 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 2023 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 December 30, 2022
    Ford F-150 Insurance Cost in Oregon
    2023 Ford F150 Insurance Cost in Oregon
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,776$315
    Safe Driver Age 20$3,308$276
    At-fault Accidents Age 40$2,354$196
    Low Deductibles Age 40$2,180$182
    Safe Driver Age 30$1,766$147
    Safe Driver Age 40$1,674$140
    Safe Driver Age 50$1,522$127
    Safe Driver Age 60$1,492$124
    High Deductibles Age 40$1,412$118
    Discount Rate Age 40$1,390$116

    Honda Civic insurance rates

    Honda Civic car insurance rates in Oregon range from $1,338 to $3,640 per year for the driver profiles in the chart below. Honda Civic insurance costs an average of $1,612 per year or $134 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 2023 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 December 30, 2022
    Honda Civic Insurance Cost in Oregon
    2023 Honda Civic Insurance Cost in Oregon
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,640$303
    Safe Driver Age 20$3,188$266
    At-fault Accidents Age 40$2,274$190
    Low Deductibles Age 40$2,078$173
    Safe Driver Age 30$1,694$141
    Safe Driver Age 40$1,612$134
    Safe Driver Age 50$1,468$122
    Safe Driver Age 60$1,438$120
    High Deductibles Age 40$1,372$114
    Discount Rate Age 40$1,338$112

    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 $1,178 to $3,256 per year for the example driver risk profiles, with average cost being $1,418 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 2023 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 December 30, 2022
    Subaru Outback Insurance Cost in Oregon
    2023 Subaru Outback Insurance Cost in Oregon
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,256$271
    Safe Driver Age 20$2,850$238
    At-fault Accidents Age 40$2,002$167
    Low Deductibles Age 40$1,884$157
    Safe Driver Age 30$1,500$125
    Safe Driver Age 40$1,418$118
    Safe Driver Age 50$1,294$108
    Safe Driver Age 60$1,274$106
    High Deductibles Age 40$1,182$99
    Discount Rate Age 40$1,178$98

    Toyota Camry insurance rates

    Average Toyota Camry insurance rates in Oregon as shown in the chart below range from $1,300 to $3,546 per year, with the average cost being $1,566.

    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 2023 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 December 30, 2022
    Toyota Camry Insurance Cost in Oregon
    2023 Toyota Camry Insurance Cost in Oregon
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,546$296
    Safe Driver Age 20$3,108$259
    At-fault Accidents Age 40$2,206$184
    Low Deductibles Age 40$2,048$171
    Safe Driver Age 30$1,652$138
    Safe Driver Age 40$1,566$131
    Safe Driver Age 50$1,424$119
    Safe Driver Age 60$1,398$117
    High Deductibles Age 40$1,318$110
    Discount Rate Age 40$1,300$108

    Ford Mustang insurance rates

    The average cost for Ford Mustang insurance in Oregon is $1,788 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,482 to $4,026 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 2023 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 December 30, 2022
    Ford Mustang Insurance Cost in Oregon
    2023 Ford Mustang Insurance Cost in Oregon
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$4,026$336
    Safe Driver Age 20$3,530$294
    At-fault Accidents Age 40$2,514$210
    Low Deductibles Age 40$2,314$193
    Safe Driver Age 30$1,880$157
    Safe Driver Age 40$1,788$149
    Safe Driver Age 50$1,626$136
    Safe Driver Age 60$1,594$133
    High Deductibles Age 40$1,514$126
    Discount Rate Age 40$1,482$124

    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 $259 per year versus a slightly lower credit score between 670-739. Conversely, an imperfect credit score below 579 could cost as much as $300 more per year.
    • Oregon auto insurance rates for teens are expensive. Average rates for full coverage auto insurance costs $5,902 per year for a 16-year-old driver, $5,518 per year for a 17-year-old driver, $5,156 per year for an 18-year-old driver, and $4,666 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 $2,546 or more per year.
    • Safe drivers have cheaper Oregon auto insurance. Having at-fault accidents will cost you more, potentially an additional $2,306 per year for a 20-year-old driver and as much as $502 per year for a 60-year-old driver.
    • Age and gender affect car insurance rates. For the average 2023 model year vehicle, a 20-year-old male driver will pay an average rate of $3,278 per year, while a 20-year-old woman will pay $2,428, a difference of $850 per year. The females get the cheaper rate by far. But by age 50, the rate for men is $1,500 and female rates are $1,470, a difference of only $30.

    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.