What affects your rate in Oregon
Oregon limits the use of credit information in auto insurance pricing.
How Oregon compares
| Benchmark | Per year |
|---|---|
| Oregon | $1,268 |
| National average | $1,438 |
| Most expensive — Florida | $1,994 |
| Cheapest — Maine | $926 |
Source: NAIC 2022/2023 Auto Insurance Database Report (combined average premium per insured vehicle, 2023 data, released February 2026).
Frequently asked questions
How much does car insurance cost in Oregon?
The average driver in Oregon pays about $1,268 per year — roughly $106 a month — for full-coverage car insurance, according to the NAIC 2023 Auto Insurance Database Report. State-minimum coverage typically costs much less.
Is car insurance more expensive in Oregon than the U.S. average?
No. At $1,268 per year, Oregon is about 12% below the national average of $1,438. That ranks it 27th out of 51 states and D.C. by cost.
Why is car insurance cheaper in Oregon?
Oregon limits the use of credit information in auto insurance pricing.
Does Oregon use your credit score to set car insurance rates?
Yes. Like most states, Oregon lets insurers use credit-based insurance scores, so a stronger credit tier can lower your rate. Only four states (California, Hawaii, Massachusetts, Michigan) ban it.
How can I lower my car insurance in Oregon?
Compare quotes from several insurers, raise your deductible, bundle auto with home or renters, and keep a clean driving record. For the same driver, premiums in Oregon can differ by hundreds of dollars between companies, so shopping around is the biggest lever.
About this estimate. The base figure is the NAIC combined average premium for Oregon (liability + collision + comprehensive, 2023). The calculator applies published industry multipliers (age, credit, record, coverage) from secondary sources (Bankrate / ValuePenguin modeled rates) and is an estimate for informational purposes only — not an insurance quote or offer. Credit-tier adjustments are not applied in states that ban credit-based insurance scoring (California, Hawaii, Massachusetts, Michigan). See our full methodology.