Car Insurance in Oregon
Oregon drivers spend an average of $1,170 a year on auto insurance according to the NAIC — ▼ −9% versus the national average of $1,282, ranking 20th most expensive of 51. The state requires 25/50/20 liability coverage and follows an at-fault system.
Average car insurance cost in Oregon
The NAIC average expenditure is what insured drivers actually paid on average, including people who carry only liability. For those who buy each coverage, the average premium was $751 for liability, $352 for collision and $165 for comprehensive ($1,268 combined, versus $1,439 nationally). That average expenditure is 16% higher than the NAIC's previous data year ($1,006). Comprehensive coverage is cheaper than average here, a sign of lower weather and theft losses.
Minimum car insurance requirements in Oregon
Oregon's minimum is written as 25/50/20: $25,000 per person / $50,000 per accident in bodily injury liability and $20,000 in property damage liability. Those limits are low compared with the cost of a serious injury claim, so many drivers choose 100/300/100 — we estimate that "standard" level at about $910 a year here, $285 more than the minimum.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $20,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | Yes | $15,000 Personal injury protection of at least $15,000 per person is required for accident-related medical costs, lost wages and other expenses. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | Yes | 25/50 Uninsured motorist bodily injury coverage of at least 25/50 is required; it equals liability limits unless lower limits are chosen. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | Yes | 25/50 Oregon's required uninsured motorist coverage includes underinsurance coverage. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical expenses are covered through required PIP. | Medical bills for you and your passengers |
Your insurance policy number must be provided when registering a vehicle.
Compare with another state
Is Oregon a no-fault state?
No — Oregon is an at-fault (tort) state. Oregon is an at-fault state with required PIP: your PIP pays initial injury costs regardless of fault, but you keep the right to sue the at-fault driver. Injured people can claim against the at-fault driver's insurer, use their own coverage, or sue.
Uninsured drivers in Oregon
The Insurance Research Council estimates 14.7% of Oregon drivers are uninsured — 18th highest in the country, compared with 15.4% nationally. That's roughly one uninsured driver in every 7 on the road. Oregon requires uninsured motorist coverage, which pays your injury costs when the at-fault driver has no insurance.
SR-22 requirements in Oregon
Oregon uses the SR-22 — a certificate your insurer files with the state to prove you carry at least the minimum liability coverage. It is usually ordered after a DUI, driving uninsured, serious violations or a license suspension, and is typically kept for about 3 years. DMV requires an SR-22 after an uninsured crash, DUII or driving uninsured, among other reasons; most filings last three years, with a shorter period for newer uninsured-driving convictions.
By our model, a driver in their 30s with a DUI would pay about $1,185 a year for minimum coverage in Oregon, versus $625 with a clean record. What is SR-22 insurance?
Estimate your premium in Oregon
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Car insurance by city in Oregon
We cover 8 Oregon cities. Estimates are for full coverage for a driver in their 30s with a clean record; hover a city to find it on the map. The lowest estimate is in Bend ($1,470) and the highest in Gresham ($1,645).
- PortlandPop. 635,749 · Multnomah County$1,620+14% vs state
- SalemPop. 180,406 · Marion County$1,570+10% vs state
- EugenePop. 178,786 · Lane County$1,520+7% vs state
- GreshamPop. 111,507 · Multnomah County$1,645+15% vs state
- HillsboroPop. 110,337 · Washington County$1,590+12% vs state
- BendPop. 106,926 · Deschutes County$1,470+3% vs state
- BeavertonPop. 98,302 · Washington County$1,620+14% vs state
- MedfordPop. 86,301 · Jackson County$1,470+3% vs state
Estimated cost by driver profile in Oregon
Age and driving record move premiums more than almost anything else. A teen on their own policy pays about 2.8× what a driver in their 30s pays for the same full coverage in Oregon.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,720 | $2,495 | $3,920 | $327 |
| Young adult (22) | $1,000 | $1,450 | $2,280 | $190 |
| Adult in their 30s | $625 | $910 | $1,425 | $119 |
| Adult in their 50s | $575 | $835 | $1,310 | $109 |
| Senior (72) | $700 | $1,015 | $1,595 | $133 |
| 30s, one at-fault accident | $910 | $1,315 | $2,065 | $172 |
| 30s, DUI on record | $1,160 | $1,680 | $2,635 | $220 |
By coverage level
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $625 | $52 | $515–$740 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $910 | $76 | $745–$1,070 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,425 | $119 | $1,170–$1,680 |
Cheapest and most expensive cars to insure in Oregon
Full-coverage estimates for current models, using HLDI insurance-loss data where available. Vehicle choice alone can swing the premium by more than $2,645 a year here.
| Model | Segment | Est. / year |
|---|---|---|
| GMC Acadia | Midsize SUV | $900 |
| Chevrolet Traverse | Midsize SUV | $955 |
| Subaru Forester | Small SUV | $1,035 |
| Subaru Crosstrek | Small SUV | $1,060 |
| Honda Pilot | Midsize SUV | $1,060 |
| Subaru Outback | Wagon | $1,065 |
| Honda CR-V | Small SUV | $1,090 |
| MINI Cooper | Subcompact car | $1,090 |
| Toyota Land Cruiser | Large SUV | $1,110 |
| Acura RDX | Luxury SUV | $1,120 |
| Model | Segment | Est. / year |
|---|---|---|
| BMW M4 | Luxury sports car | $3,545 |
| BMW M3 | Luxury car | $3,440 |
| Lamborghini Urus | Luxury SUV | $3,205 |
| BMW 7 Series | Luxury car | $3,085 |
| Mercedes-Benz S-Class | Luxury car | $2,510 |
| Lucid Air | Luxury car | $2,380 |
| Audi RS 7 | Luxury car | $2,100 |
| Mercedes-Benz G-Class | Luxury SUV | $2,090 |
| Alfa Romeo Giulia | Luxury car | $2,025 |
| Lexus LS | Luxury car | $1,980 |
Cheap car insurance in Oregon: how to lower your rate
- Raise your deductible. Going from $500 to $1,000 on collision and comprehensive saves about $70 a year on a typical Oregon full-coverage policy.
- Match coverage to your car's value. On a 10-year-old car, dropping collision and comprehensive could cut the bill from about $1,190 to $910.
- Drive less, pay less. Low-mileage and usage-based programs can save around $100 a year if you drive under 7,500 miles.
- Protect your record. A single speeding ticket adds roughly $315 a year in our model; an at-fault accident adds much more.
- Shop at renewal. Rates for the same driver differ widely between insurers. Compare identical limits and deductibles.
- Ask about discounts — bundling home and auto, good student, safe-driver, paid-in-full and defensive-driving course discounts. See common discounts.
Complaints and help: Oregon Division of Financial Regulation
The Oregon Division of Financial Regulation licenses insurers and agents, reviews rates and handles consumer complaints about claims, cancellations and billing — free of charge.
- Website
- dfr.oregon.gov
- File a complaint
- Consumer complaint page
- Consumer helpline
- 1-888-877-4894
Oregon vs. neighboring states
| State | NAIC avg. | Minimums | System | Uninsured |
|---|---|---|---|---|
| Oregon | $1,170 | 25/50/20 | At-fault (tort) | 14.7% |
| California | $1,225 | 30/60/15 | At-fault (tort) | 20.4% |
| Idaho | $864 | 25/50/15 | At-fault (tort) | 6.4% |
| Nevada | $1,462 | 25/50/20 | At-fault (tort) | 11.1% |
| Washington | $1,153 | 25/50/10 | At-fault (tort) | 19.1% |
Frequently asked questions
How much is car insurance in Oregon?
NAIC data puts the average Oregon auto insurance expenditure at $1,170 a year, 9% less than the national average of $1,282 (rank 20 of 51, where 1 is the most expensive). Our estimate for full coverage for a driver in their 30s with a clean record is about $1,425 a year ($119 a month); state-minimum liability is about $625.
What is the minimum car insurance required in Oregon?
Oregon requires at least 25/50/20 liability coverage: $25,000 per person / $50,000 per accident for bodily injury and $20,000 for property damage, plus personal injury protection (PIP) of 15,000, uninsured motorist coverage, and underinsured motorist coverage.
Is Oregon a no-fault state?
No. Oregon is an at-fault state with required PIP: your PIP pays initial injury costs regardless of fault, but you keep the right to sue the at-fault driver.
How many drivers in Oregon are uninsured?
The Insurance Research Council estimates that about 14.7% of Oregon drivers are uninsured, ranking 18th in the nation (national estimate: 15.4%).
Does Oregon require SR-22 insurance?
Yes, Oregon uses the SR-22 certificate for drivers who must prove financial responsibility, typically for about 3 years. DMV requires an SR-22 after an uninsured crash, DUII or driving uninsured, among other reasons; most filings last three years, with a shorter period for newer uninsured-driving convictions.
Which Oregon city has the cheapest car insurance?
Among the 8 cities we cover, Bend has the lowest full-coverage estimate at about $1,470 a year, while Gresham is the highest at about $1,645. Differences come from population density, commute length and local weather risk.
How much does car insurance cost for a teen driver in Oregon?
An 18-year-old on their own full-coverage policy would pay roughly $3,920 a year in Oregon by our estimate, or about $1,720 for minimum coverage. Joining a parent's policy usually costs less.
How do I file a complaint against a car insurance company in Oregon?
Contact the Oregon Division of Financial Regulation (consumer line 1-888-877-4894). It handles consumer complaints about claims, cancellations and rates at no cost.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Oregon DMV: Insurance Requirements
- Oregon DMV: SR-22 Information
- ORS chapter 742 (742.502 uninsured/underinsured motorist coverage)
- Oregon DFR: DMV Notice - SB 840 insurance provisions
- Oregon DFR: File a complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau: population estimates and American Community Survey
- FEMA National Risk Index