- Oregon car insurance rates cost an average of $1,648 per year, or around $137 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 $1,648 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.
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.
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 $1,364 per year or $114 per month
- Cheapest compact SUV insurance – Chevrolet Trailblazer at $1,246 per year or $104 per month
- Cheapest midsize car insurance – Subaru Legacy at $1,518 per year or $127 per month
- Cheapest midsize SUV insurance – Honda Passport at $1,280 per year or $107 per month
- Cheapest full-size car insurance – Chrysler 300 at $1,606 per year or $134 per month
- Cheapest full-size SUV insurance – Chevrolet Tahoe at $1,544 per year or $129 per month
- Cheapest midsize pickup insurance – Ford Maverick at $1,366 per year or $114 per month
- Cheapest full-size pickup insurance – Nissan Titan at $1,630 per year or $136 per month
- Cheapest heavy duty pickup insurance – GMC Sierra 2500 HD at $1,686 per year or $141 per month
- Cheapest minivan insurance – Honda Odyssey at $1,504 per year or $125 per month
- Cheapest sports car insurance – Mazda MX-5 Miata at $1,522 per year or $127 per month
- Cheapest compact luxury car insurance – Acura Integra at $1,480 per year or $123 per month
- Cheapest compact luxury SUV insurance – Acura RDX at $1,374 per year or $115 per month
- Cheapest midsize luxury car insurance – Cadillac CT5 at $1,772 per year or $148 per month
- Cheapest midsize luxury SUV insurance – Lexus RX 350 at $1,476 per year or $123 per month
- Cheapest full-size luxury car insurance – Audi A5 at $1,848 per year or $154 per month
- Cheapest full-size luxury SUV insurance – Volvo 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.
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 $1,674 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.
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.
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.
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.
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.
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.
- Portland Car Insurance - $1,912 per year or $159 per month
- Eugene Car Insurance - $1,462 per year or $122 per month
- Salem Car Insurance - $1,680 per year or $140 per month
- Gresham Car Insurance - $2,068 per year or $172 per month
- Hillsboro Car Insurance - $1,734 per year or $145 per month
- Beaverton Car Insurance - $1,776 per year or $148 per month
- Bend Car Insurance - $1,478 per year or $123 per month
- Medford Car Insurance - $1,448 per year or $121 per month
