Oregon Car Insurance Calculator
Figures updated
Answer three questions. No name, email or phone needed. Oregon's average is already set.
1 of 2
What's the age of the main driver?
2 of 2
How much cover do you want?
Priced from the NAIC state averages, state rate guides and IIHS-HLDI loss results. How the estimate works
Behind the estimate: Oregon averages
The calculator starts with the NAIC averages for Oregon, then adjusts based on age, driving record and the car.
| Coverage in Oregon | Per year | Per month |
|---|---|---|
| Liability | $804 | $67 |
| Collision | $385 | $32 |
| Comprehensive | $186 | $16 |
| Full coverage (all three) | $1,375 | $115 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
The way the estimate changes
| Driver | Price compared with an adult, clean record |
|---|---|
| 16 to 24 | x 3.11 |
| 25 to 64 | x 1.00 |
| 65 or older | x 0.94 |
| Clean record | x 1.00 |
| One speeding ticket | x 1.22 |
| One at-fault accident | x 1.50 |
Source: Texas Department of Insurance / OPIC: HelpInsure.com auto sample rates (public form data endpoint https://www.helpinsure.com/api/autoResults behind https://www.helpinsure.com/auto.html); HelpInsure.com Company FAQ (TDI): sample rates are liability-only; DC Department of Insurance, Securities and Banking: 2024 Automobile Insurance Premium Comparison, Sample Profiles (6 month policy).
Originally written