Oregon Car Insurance

Whether you’re heading into Portland for work or out to Ashland to catch a play at the Shakespeare festival, take affordable insurance along for the ride. A Farmers Flex® Personal Auto policy lets you choose the coverage you want at a price that works for you. Discounts can help you save even more.

Please enter a 5 digit zip code.

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

home icon

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.


Why Did My Car Insurance Premium Go Up When Nothing Else Has Changed?

To understand rate increases, it’s important to know that premium calculations are based on your risk and the projected cost it would take to repair or replace your car. Anything that impacts these factors can explain why rates may increase. 

What These Auto Pros Know About Adding Years to a Car’s Life — and You Should, Too

Why do some cars stay safe and reliable for years longer than others? These car pros say it’s more about the owner’s habits than good engineering.

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.