Renters Insurance in Oregon — Average Cost 2026
Average renters insurance in Oregon: $265/year ($22/month). Oregon ranks #29 out of 51 states — above the national average.
Average annual
$265
Average monthly
$22
National rank
#29
of 51 states
vs national avg
+0.8%
Oregon vs national average
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Renters insurance in Oregon: wildfire considerations
Renters in Oregon pay around $22/month, 1% above the national average. Wildfire exposure in parts of Oregon can affect availability and pricing even for renters policies, since insurers price personal property coverage based on regional risk, not just building ownership.
A standard policy still covers smoke and fire damage to your belongings along with $100,000 in personal liability, and additional living expenses if you're temporarily displaced. If you're in a high-risk zone, confirm your policy explicitly covers wildfire before you need to file a claim.