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Car Insurance Cost Estimator

Liability Car Insurance in Oregon

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What you pay for Oregon's cheapest legal policy, and what it doesn't cover.

  • $67.the monthly average for liability.
  • 25/50/20.the lowest liability limits allowed.
  • 30th of 51.the most expensive state (1st = highest).

Liability costs in Oregon: what you pay

In Oregon, liability-only car insurance averages $804 a year, or about $67 a month. For liability, it is the 19th most expensive state.

Coverage in OregonPer yearPer 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).

What you still pay with the minimum

In Oregon, the minimum liability is 25/50/20 and you must carry at least that much. Coverage includes $25,000 per injured person, $50,000 for everyone hurt in a single crash and $20,000 for damage to someone else's property.

With liability insurance, the other people get paid. Unless you add collision, you pay for repairs to your own car.

Any crash cost above your limits may be claimed from you. Higher limits usually come at a cost far below the jump in protection.

Learn more about car insurance in Oregon

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