- Oregon car insurance rates cost an average of $1,342 per year, or around $112 per month, for a full coverage policy.
- When compared to surrounding states, Oregon ranks #6 out of 11 western U.S. states for car insurance cost and ranks 26th out of all 50 U.S. states.
- The cheapest car insurance in Oregon is for small SUVs like the Subaru Forester or Honda CR-V and costs an average of $1,208 per year.
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.
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.
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 insurance – Volkswagen Golf at $1,070 per year or $89 per month
- Cheapest compact SUV insurance – Subaru Forester at $996 per year or $83 per month
- Cheapest midsize car insurance – Mazda 6 at $1,244 per year or $104 per month
- Cheapest midsize SUV insurance – Ford Edge at $1,066 per year or $89 per month
- Cheapest full-size car insurance – Kia Cadenza at $1,360 per year or $113 per month
- Cheapest full-size SUV insurance – Toyota Sequoia at $1,324 per year or $110 per month
- Cheapest midsize pickup insurance – Toyota Tacoma at $1,130 per year or $94 per month
- Cheapest full-size pickup insurance – Ford F150 at $1,280 per year or $107 per month
- Cheapest heavy duty pickup insurance – Ford F350 Super Duty at $1,444 per year or $120 per month
- Cheapest minivan insurance – Kia Sedona at $1,136 per year or $95 per month
- Cheapest sports car insurance – Mazda Miata at $1,228 per year or $102 per month
- Cheapest compact luxury car insurance – Mercedes-Benz A220 at $1,314 per year or $110 per month
- Cheapest compact luxury SUV insurance – Volvo XC40 at $1,106 per year or $92 per month
- Cheapest midsize luxury car insurance – Acura ILX at $1,252 per year or $104 per month
- Cheapest midsize luxury SUV insurance – Volvo V60 at $1,264 per year or $105 per month
- Cheapest full-size luxury car insurance – Volvo S90 at $1,462 per year or $122 per month
- Cheapest full-size luxury SUV insurance – Volvo 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.
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 $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.
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.
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.
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.
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.
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.
