What is the average cost of car insurance in Oregon?
Oregon drivers paid an average of $1,030 a year for full coverage (liability, collision and comprehensive) in 2020, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). That’s a little lower than the national average of $1,176 per year for coverage, the NAIC report shows. Keep in mind that insurance premiums in most states have changed since then. Your cost will also depend on how much coverage you choose, as well as your driving history, the car you drive and other factors.
What auto insurance is mandatory in Oregon?
A car insurance policy with a minimum amount of liability coverage is required in Oregon, as it is in almost all states. However, minimum coverage may not be the full extent of coverage you want.
As of November 2022, 25/50/20 liability coverage limits are the minimum required in Oregon:
COVERAGE TYPE
OREGON MINIMUM REQUIREMENTS
Bodily injury liability
$25,000 per person; $50,000 per accident
Property damage liability
$20,000 per accident
Personal injury protection
$15,000 per person
Uninsured motorist bodily injury
$25,000 per person; $50,000 per accident
COVERAGE TYPE
Bodily injury liability
OREGON MINIMUM REQUIREMENTS
$25,000 per person; $50,000 per accident
COVERAGE TYPE
Property damage liability
OREGON MINIMUM REQUIREMENTS
$20,000 per accident
COVERAGE TYPE
Personal injury protection
OREGON MINIMUM REQUIREMENTS
$15,000 per person
COVERAGE TYPE
Uninsured motorist bodily injury
OREGON MINIMUM REQUIREMENTS
$25,000 per person; $50,000 per accident
What does car insurance typically cover in Oregon?
A typical car insurance policy in Oregon includes coverage for bodily injury and property damage liability, as well as optional collision and comprehensive coverage in case of covered damage or theft.
Farmers® also offers optional Rental or Rental Alternative coverage (for when your car is in the shop), Vehicle Replacement Plus (if your newer car is totaled), Enhanced Roadside and Ride Assistance and other coverages. Read more about coverage options in Oregon with a Farmers Flex Personal Auto policy.
Oregon car insurance discounts
Farmers offers a variety of discounts for drivers in Oregon. For example:
- Welcome Discount
- Loyalty Discount
- Five-Year Accident-Free Discount
- Multi-Policy Discount
- Signal®, which can reward you with an initial discount when you use our Signal app
See more information about additional discounts that may be available in Oregon.
Mount Hood
Mount Hood, a stratovolcano and Oregon’s tallest peak, is one of the state’s most famous sights. It may be dormant, but the volcano is not dead. It still vents steam, and scientists expect it to erupt again someday. — U.S. Geological Survey
More coverage options in Oregon
Oregon home insurance
Learn more about what home insurance in Oregon covers, available discounts and more.
View home insurance coverage details and discounts for Oregon
Learn From Experience
Still have questions about cars and car insurance in Oregon? We have answers.
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What These Auto Pros Know About Adding Years to a Car’s Life — and You Should, Too
What Happens if Someone Hits My Parked Car?
Just about everyone experiences this at one time or another. You return to your car after it’s been parked for a while and find a scrape down the side — or a dent in the door that wasn’t there before.
