- Oregon car insurance rates cost an average of $1,684 per year, or around $140 per month, for a full coverage policy.
- When compared to surrounding states, Oregon ranks eighth out of 11 western U.S. states for car insurance cost and ranks 28th out of all 50 U.S. states.
- The cheapest car insurance in Oregon is for small SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, Subaru Forester, and Hyundai Kona.
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.
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.
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 insurance – Subaru Impreza at $1,392 per year or $116 per month
- Cheapest compact SUV insurance – Chevrolet Trailblazer at $1,274 per year or $106 per month
- Cheapest midsize car insurance – Subaru Legacy at $1,552 per year or $129 per month
- Cheapest midsize SUV insurance – Honda Passport at $1,310 per year or $109 per month
- Cheapest full-size car insurance – Chrysler 300 at $1,644 per year or $137 per month
- Cheapest full-size SUV insurance – Chevrolet Tahoe at $1,578 per year or $132 per month
- Cheapest midsize pickup insurance – Ford Maverick at $1,398 per year or $117 per month
- Cheapest full-size pickup insurance – Nissan Titan at $1,668 per year or $139 per month
- Cheapest heavy duty pickup insurance – GMC Sierra 2500 HD at $1,728 per year or $144 per month
- Cheapest minivan insurance – Honda Odyssey at $1,540 per year or $128 per month
- Cheapest sports car insurance – Mazda MX-5 Miata at $1,558 per year or $130 per month
- Cheapest compact luxury car insurance – Acura Integra at $1,514 per year or $126 per month
- Cheapest compact luxury SUV insurance – Acura RDX at $1,406 per year or $117 per month
- Cheapest midsize luxury car insurance – Cadillac CT5 at $1,812 per year or $151 per month
- Cheapest midsize luxury SUV insurance – Lexus RX 350 at $1,508 per year or $126 per month
- Cheapest full-size luxury car insurance – Audi A5 at $1,892 per year or $158 per month
- Cheapest full-size luxury SUV insurance – Volvo 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.
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 $1,716 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.
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.
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.
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.
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.
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.
- Portland Car Insurance - $1,950 per year or $163 per month
- Eugene Car Insurance - $1,500 per year or $125 per month
- Salem Car Insurance - $1,722 per year or $144 per month
- Gresham Car Insurance - $2,106 per year or $176 per month
- Hillsboro Car Insurance - $1,772 per year or $148 per month
- Beaverton Car Insurance - $1,812 per year or $151 per month
- Bend Car Insurance - $1,516 per year or $126 per month
- Medford Car Insurance - $1,486 per year or $124 per month
