- Oregon car insurance rates cost an average of $1,278 per year, or around $107 per month, for a full coverage policy.
- When compared to surrounding states, Oregon ranks #5 out of 11 western U.S. states for car insurance cost and ranks #20 out of all 50 U.S. states.
- The cheapest car insurance in Oregon is for small SUVs like the Nissan Kicks, Mazda CX-5, Hyundai Kona, and Toyota Corolla Cross.
How much are Oregon car insurance rates?
The average car insurance cost in Oregon is $1,278 per year, which is 17.6% less than the U.S. average rate of $1,551 per year for full coverage car insurance.
Car insurance cost in Oregon per month ranges from as little as $94 on the Mazda CX-30 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 $1,116 per year, the Ford Edge at $1,150 per year, the Subaru CrossTrek at $1,026 per year, the Toyota Tacoma at $1,186 per year, and the Subaru Outback at $1,170 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 $1,584 per year for the BMW, $1,348 for the Infiniti, and $1,304 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 2022 vehicle models.
Oregon auto insurance rates in the chart above range from $966 per year for a 60-year-old driver with $1,000 deductibles to $2,934 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 $3,204 per year for a 19-year-old female driver up to $4,568 per year for a 16-year-old male driver.
For 17 and 18-year-old drivers, average car insurance costs $3,794 to $4,270 per year for 17-year-olds and $3,454 to $3,986 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 21.4% less expensive than Colorado, 26.8% less than California, 13.9% less than Montana, 6.1% more expensive than Idaho, and 10.4% more than Washington.
When compared to states outside the western region, the average cost of auto insurance in Oregon is 42.6% cheaper than Florida, 3.7% more expensive than Illinois, 11% cheaper than Texas, 21.3% more than Maine, and 21.1% 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 $1,256 per year for a policy with full coverage. In California, the same model of Toyota Camry would cost $1,714, in Washington the cost averages $1,138 and in Nevada the Camry would cost $1,644 per year.
The chart below compares average Oregon car insurance cost to the other 10 states in the West region. Oregon ranks fifth out of the 11 states in the West region for cheapest car insurance rates, and ranks 20th 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 Mazda CX-3, Honda CR-V, and Mazda CX-5. Other models with very affordable 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 – Subaru Impreza at $1,106 per year or $92 per month
- Cheapest compact SUV insurance – Mazda CX-5 at $970 per year or $81 per month
- Cheapest midsize car insurance – Subaru Legacy at $1,234 per year or $103 per month
- Cheapest midsize SUV insurance – Honda Passport at $1,026 per year or $86 per month
- Cheapest full-size car insurance – Toyota Avalon at $1,340 per year or $112 per month
- Cheapest full-size SUV insurance – Chevrolet Tahoe at $1,280 per year or $107 per month
- Cheapest midsize pickup insurance – Chevrolet Colorado at $1,050 per year or $88 per month
- Cheapest full-size pickup insurance – Ford F150 at $1,234 per year or $103 per month
- Cheapest heavy duty pickup insurance – Ford F350 Super Duty at $1,386 per year or $116 per month
- Cheapest minivan insurance – Honda Odyssey at $1,190 per year or $99 per month
- Cheapest sports car insurance – Mazda MX-5 Miata at $1,106 per year or $92 per month
- Cheapest compact luxury car insurance – Mercedes-Benz A220 at $1,254 per year or $105 per month
- Cheapest compact luxury SUV insurance – Acura RDX at $1,094 per year or $91 per month
- Cheapest midsize luxury car insurance – Acura ILX at $1,174 per year or $98 per month
- Cheapest midsize luxury SUV insurance – Cadillac XT5 at $1,254 per year or $105 per month
- Cheapest full-size luxury car insurance – Audi A5 at $1,496 per year or $125 per month
- Cheapest full-size luxury SUV insurance – Volvo XC90 at $1,380 per year or $115 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 $1,234 per year and ranges from $1,026 to $2,790 per year, or $86 to $233 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 $1,048 to $2,848 per year for the driver profiles in the chart below. Honda Civic insurance costs an average of $1,262 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 $974 to $2,674 per year for the example driver risk profiles, with average cost being $1,170 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 $1,044 to $2,840 per year, with the average cost being $1,256.
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 $1,346 per year. The chart below shows rates for additional driver profiles with prices ranging from $1,120 to $3,022 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 $201 per year versus a slightly lower credit score between 670-739. Conversely, an imperfect credit score below 579 could cost as much as $233 more per year.
- Oregon auto insurance rates for teens are expensive. Average rates for full coverage auto insurance costs $4,568 per year for a 16-year-old driver, $4,270 per year for a 17-year-old driver, $3,986 per year for a 18-year-old driver, and $3,606 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 $1,964 or more per year.
- Safe drivers have cheaper Oregon auto insurance. Having at-fault accidents will cost you more, potentially an additional $1,776 per year for a 20-year-old driver and as much as $382 per year for a 60-year-old driver.
- Age and gender affect car insurance rates. For the average 2022 model year vehicle, a 20-year-old male driver will pay an average rate of $2,530 per year, while a 20-year-old woman will pay $1,880, a difference of $650 per year. The females get the cheaper rate by far. But by age 50, the rate for men is $1,162 and female rates are $1,136, a difference of only $26.
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 - $1,724 per year or $144 per month
- Eugene Car Insurance - $1,292 per year or $108 per month
- Salem Car Insurance - $1,502 per year or $125 per month
- Gresham Car Insurance - $1,876 per year or $156 per month
- Hillsboro Car Insurance - $1,554 per year or $130 per month
- Beaverton Car Insurance - $1,592 per year or $133 per month
- Bend Car Insurance - $1,308 per year or $109 per month