Average full-coverage premium in Oregon: $1,430/year — ranked #31 most expensive state in the US.
Avg Annual Premium
$1,430
Minimum Coverage
$25K/$50K/$20K
Uninsured Driver Rate
6.8%
| City | Avg Annual Premium | vs State Average |
|---|---|---|
| Portland | $1,620/yr | +13.3% |
| Salem | $1,350/yr | -5.6% |
| Eugene | $1,310/yr | -8.4% |
Source: Rate estimates based on NAIC data and carrier filings, March 2026.
Oregon requires all drivers to carry minimum liability insurance of 25/50/20 (Bodily Injury per person / Bodily Injury per accident / Property Damage):
Oregon is a tort state that also requires all drivers to carry Personal Injury Protection coverage of at least $15,000 — one of the higher mandatory PIP thresholds among non-no-fault states. Oregon also requires uninsured and underinsured motorist coverage, making its mandatory coverage package more comprehensive than many neighboring states. Portland drives the statewide average up significantly, with urban congestion, elevated theft rates, and an active plaintiff's bar all contributing to above-average premiums in the metro area.
Oregon's 2024 legislation banning the use of credit scores in auto insurance rate-setting — following California and Washington — is reshaping the market as insurers adjust their pricing models. Drivers who previously benefited from excellent credit may see some premium increases as carriers reallocate costs across their book of business. Oregon's coastal region and the Willamette Valley face significant rainfall that increases accident risk during the November-through-March wet season. The state's growing population — particularly in the Portland metro and Bend area — continues to put upward pressure on statewide averages.
Compare quotes from at least 5 insurers — rates can vary by $500–$1,500 for the same coverage
Bundle auto with homeowners or renters insurance for 10–20% savings
Ask about all available discounts: safe driver, good student, military, professional association
Consider a higher deductible ($1,000 vs $500) to lower your premium by 15–20%
Use telematics/usage-based programs if you're a safe, low-mileage driver
Maintain a clean driving record — even one ticket can increase rates 20–40%
Check your credit score — most states allow credit-based insurance scoring
Cover Forge USA Editorial Team
Editorial Lead
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed 2026-06-14
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Important Disclaimer
This site provides general educational information only and is not a substitute for professional insurance advice. All rates, data, and coverage details are estimates and may not reflect your actual premiums. Insurance availability and pricing vary by state, insurer, and individual risk factors. Always consult a licensed insurance professional in your state before making coverage decisions.