Car Insurance in Oregon
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The legal minimum, what Oregon drivers pay and who has the lowest prices.
- $115.the average price each month for full coverage.
- 25/50/20.lowest liability limits allowed.
- 30th of 51.the most expensive state (1st = highest).
Car insurance rates in Oregon
Full coverage costs the average Oregon driver $1,375 each year, or about $115 monthly. Legal minimum only. That kind of policy averages $804 a year. The US average is $1,613 a year, so that figure is 15% lower.
| 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 legal minimum for Oregon
Oregon requires 25/50/20 liability coverage at least: $25,000 per injured person, $50,000 for all injured people in one crash and $20,000 for other people's property damage.
Oregon also requires personal injury protection. After a crash, it pays your own medical bills.
You must have uninsured motorist cover.
Source: Oregon DMV, Insurance Requirements.
How many Oregon drivers lack insurance
In 2023, about 15% of Oregon drivers lacked car insurance, ranking 18th highest among the 51. If an uninsured driver crashes into you, this coverage pays your bills.
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