Cheap Car Insurance in Oregon
Oregon drivers pay an average of $1,500/year for auto insurance — $289 below the national average. Compare quotes and save.
How Oregon stacks up
At $1,500 per year for full coverage, Oregon drivers pay 16% less than the national average of $1,789. PIP coverage required ($15k minimum). Portland metro rates run 25% above state average.
Premiums vary widely within Oregon based on ZIP code, vehicle, age, credit score (where allowed), and driving record. Urban ZIPs typically pay 20–40% more than rural ones in the same state.
Required minimum coverage in Oregon
Bodily injury liability
25/50 (in $thousands)
Property damage liability
$20,000
No-fault / PIP required
No
Minimums are the legal floor — most drivers should carry significantly more (100/300/100 is a common safe baseline) to protect personal assets from lawsuits.
5 ways to lower your Oregon car insurance
- Compare 3+ insurers — drivers who shop can save up to $487/year on average.
- Raise your deductible from $500 to $1,000 if you have an emergency fund.
- Bundle auto with home or renters insurance (10–25% discount).
- Ask about telematics / usage-based discounts (10–30% if you drive carefully).
- PIP coverage required ($15k minimum). Portland metro rates run 25% above state average.
Oregon insurance FAQ
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