Auto Insurance in Oregon — Average Cost 2026
Average auto insurance in Oregon: $1,565/year ($130/month). Oregon ranks #17 out of 51 states — below the national average.
Average annual
$1,565
Average monthly
$130
National rank
#17
of 51 states
vs national avg
-12.1%
Oregon vs national average
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State averages are the starting point. Your actual rate depends on your individual profile. Use our calculator for a detailed estimate.
Auto insurance in Oregon
Oregon sits 12% below the national average for auto insurance, reflecting the state's lower population density, fewer severe weather events, and lower-than-average litigation rates. Drivers in Oregon tend to benefit from competitive rates across major insurers.
As with any state, your individual rate depends on your driving record, vehicle, coverage level, and the specific insurer you choose. Comparing multiple quotes can still save Oregon drivers hundreds of dollars annually.