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 $1,684 per year, which is 2.6% less than the U.S. average rate of $1,728 per year for full coverage car insurance.

Car insurance cost in Oregon per month ranges from as little as $106 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 $1,274 per year, the Ford Edge at $1,428 per year, the Subaru CrossTrek at $1,286 per year, the Mazda CX-5 at $1,324 per year, and the Honda Passport at $1,310 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 $2,028 per year for the BMW, $1,560 for the Infiniti, and $1,616 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 August 11, 2023
Average Car Insurance Cost in Oregon
Average Car Insurance Cost in Oregon
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,840$237
$500$3,354$280
$250$3,898$325
30$1,000$1,488$124
$500$1,776$148
$250$2,076$173
40$1,000$1,422$119
$500$1,684$140
$250$1,960$163
50$1,000$1,298$108
$500$1,536$128
$250$1,782$149
60$1,000$1,272$106
$500$1,506$126
$250$1,748$146

Oregon auto insurance rates in the chart above range from $1,272 per year for a 60-year-old driver with $1,000 deductibles to $3,898 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 $4,246 per year for a 19-year-old female driver up to $6,038 per year for a 16-year-old male driver.

For 17 and 18-year-old drivers, average car insurance costs $5,018 to $5,646 per year for 17-year-olds and $4,576 to $5,274 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 13.6% cheaper than Colorado, 25.3% cheaper than California, 1.7% more expensive than Montana, 26% 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 27.7% cheaper than Florida, 6% more expensive than Illinois, 0.5% more expensive than Texas, 42% more expensive than Maine, and 21.2% 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 $1,706 per year for a policy with full coverage. In California, the same model of Toyota Camry would cost $2,194, in Washington the cost averages $1,648 and in Nevada the Camry would cost $2,170 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$1,242-$442
Idaho$1,296-$388
Alaska$1,374-$310
Utah$1,584-$100
Wyoming$1,604-$80
Washington$1,630-$54
Montana$1,656-$28
Oregon$1,684--
Colorado$1,930$246
Nevada$2,150$466
California$2,172$488

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 $1,392 per year or $116 per month
  • Cheapest compact SUV insuranceChevrolet Trailblazer at $1,274 per year or $106 per month
  • Cheapest midsize car insuranceSubaru Legacy at $1,552 per year or $129 per month
  • Cheapest midsize SUV insuranceHonda Passport at $1,310 per year or $109 per month
  • Cheapest full-size car insuranceChrysler 300 at $1,644 per year or $137 per month
  • Cheapest full-size SUV insuranceChevrolet Tahoe at $1,578 per year or $132 per month
  • Cheapest midsize pickup insuranceFord Maverick at $1,398 per year or $117 per month
  • Cheapest full-size pickup insuranceNissan Titan at $1,668 per year or $139 per month
  • Cheapest heavy duty pickup insuranceGMC Sierra 2500 HD at $1,728 per year or $144 per month
  • Cheapest minivan insuranceHonda Odyssey at $1,540 per year or $128 per month
  • Cheapest sports car insuranceMazda MX-5 Miata at $1,558 per year or $130 per month
  • Cheapest compact luxury car insuranceAcura Integra at $1,514 per year or $126 per month
  • Cheapest compact luxury SUV insuranceAcura RDX at $1,406 per year or $117 per month
  • Cheapest midsize luxury car insuranceCadillac CT5 at $1,812 per year or $151 per month
  • Cheapest midsize luxury SUV insuranceLexus RX 350 at $1,508 per year or $126 per month
  • Cheapest full-size luxury car insuranceAudi A5 at $1,892 per year or $158 per month
  • Cheapest full-size luxury SUV insuranceVolvo XC90 at $1,738 per year or $145 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$1,274$106
2Subaru Crosstrek$1,286$107
3Nissan Kicks$1,292$108
4Honda Passport$1,310$109
5Nissan Rogue Sport$1,316$110
6Mazda CX-5$1,324$110
7Buick Encore$1,342$112
8Buick Envision$1,346$112
9Kia Seltos$1,366$114
10Subaru Ascent$1,370$114
11Hyundai Venue$1,374$115
12Subaru Impreza$1,392$116
13Ford Maverick$1,398$117
14Chevrolet Colorado$1,402$117
15Honda HR-V$1,402$117
16Acura RDX$1,406$117
17Hyundai Kona$1,414$118
18Subaru Forester$1,420$118
19Ford Edge$1,428$119
20Honda CR-V$1,430$119
21Ford Explorer$1,434$120
22Mazda CX-30$1,434$120
23Volkswagen Atlas$1,438$120
24Chevrolet Trax$1,448$121
25Nissan Murano$1,448$121
26Subaru Outback$1,450$121
27Nissan Frontier$1,454$121
28Volkswagen Tiguan$1,464$122
29Ford Bronco Sport$1,466$122
30Fiat 500X$1,494$125
31Ford Ranger$1,494$125
32GMC Terrain$1,498$125
33Kia Soul$1,502$125
34Mitsubishi Eclipse Cross$1,502$125
35Volkswagen Atlas Cross Sport$1,504$125
36Lexus RX 350$1,508$126
37Acura Integra$1,514$126
38Chevrolet Equinox$1,516$126
39Toyota Corolla Cross$1,520$127
40Cadillac XT4$1,522$127
41Volkswagen Taos$1,528$127
42GMC Canyon$1,530$128
43Toyota Venza$1,536$128
44Mazda CX-50$1,538$128
45Honda Odyssey$1,540$128
46Hyundai Tucson$1,542$129
47Toyota Tacoma$1,542$129
48Volkswagen Jetta$1,542$129
49Ford Escape$1,544$129
50Kia Sorento$1,546$129

    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 August 12, 2023
    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 $1,716 per year and ranges from $1,424 to $3,862 per year, or $119 to $322 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 August 12, 2023
    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$3,862$322
    Safe Driver Age 20$3,388$282
    At-fault Accidents Age 40$2,406$201
    Low Deductibles Age 40$2,230$186
    Safe Driver Age 30$1,808$151
    Safe Driver Age 40$1,716$143
    Safe Driver Age 50$1,558$130
    Safe Driver Age 60$1,530$128
    High Deductibles Age 40$1,448$121
    Discount Rate Age 40$1,424$119

    Honda Civic insurance rates

    Honda Civic car insurance rates in Oregon range from $1,368 to $3,722 per year for the driver profiles in the chart below. Honda Civic insurance costs an average of $1,650 per year or $138 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 August 12, 2023
    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$3,722$310
    Safe Driver Age 20$3,264$272
    At-fault Accidents Age 40$2,326$194
    Low Deductibles Age 40$2,126$177
    Safe Driver Age 30$1,736$145
    Safe Driver Age 40$1,650$138
    Safe Driver Age 50$1,500$125
    Safe Driver Age 60$1,472$123
    High Deductibles Age 40$1,402$117
    Discount Rate Age 40$1,368$114

    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 $1,204 to $3,332 per year for the example driver risk profiles, with average cost being $1,450 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 August 11, 2023
    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$3,332$278
    Safe Driver Age 20$2,914$243
    At-fault Accidents Age 40$2,046$171
    Low Deductibles Age 40$1,926$161
    Safe Driver Age 30$1,534$128
    Safe Driver Age 40$1,450$121
    Safe Driver Age 50$1,324$110
    Safe Driver Age 60$1,302$109
    High Deductibles Age 40$1,210$101
    Discount Rate Age 40$1,204$100

    Toyota Camry insurance rates

    Average Toyota Camry insurance rates in Oregon as shown in the chart below range from $1,330 to $3,634 per year, with the average cost being $1,602.

    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 August 12, 2023
    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$3,634$303
    Safe Driver Age 20$3,182$265
    At-fault Accidents Age 40$2,258$188
    Low Deductibles Age 40$2,094$175
    Safe Driver Age 30$1,690$141
    Safe Driver Age 40$1,602$134
    Safe Driver Age 50$1,458$122
    Safe Driver Age 60$1,432$119
    High Deductibles Age 40$1,348$112
    Discount Rate Age 40$1,330$111

    Ford Mustang insurance rates

    The average cost for Ford Mustang insurance in Oregon is $1,828 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,516 to $4,122 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 August 12, 2023
    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$4,122$344
    Safe Driver Age 20$3,612$301
    At-fault Accidents Age 40$2,572$214
    Low Deductibles Age 40$2,368$197
    Safe Driver Age 30$1,924$160
    Safe Driver Age 40$1,828$152
    Safe Driver Age 50$1,664$139
    Safe Driver Age 60$1,630$136
    High Deductibles Age 40$1,548$129
    Discount Rate Age 40$1,516$126

    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 $264 per year versus a slightly lower credit score between 670-739. Conversely, an imperfect credit score below 579 could cost as much as $306 more per year.
    • Oregon auto insurance rates for teens are expensive. Average rates for full coverage auto insurance costs $6,038 per year for a 16-year-old driver, $5,646 per year for a 17-year-old driver, $5,274 per year for an 18-year-old driver, and $4,774 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 $2,606 or more per year.
    • Safe drivers have cheaper Oregon auto insurance. Having at-fault accidents will cost you more, potentially an additional $2,362 per year for a 20-year-old driver and as much as $516 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 $3,354 per year, while a 20-year-old woman will pay $2,488, a difference of $866 per year. The females get the cheaper rate by far. But by age 50, the rate for men is $1,536 and female rates are $1,502, a difference of only $34.

    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.