Car insurance in Oregon
Drivers in Oregon paid $1,268 a year for full coverage in 2023, 12% below the national average. With prices up since, figure on about $1,500 today. In Oregon, the law asks for at least 25/50/20 liability.
What people pay in Oregon
A typical yearly price today
about $1,500 a year (about $125 a month)
Oregon's average full-coverage cost in 2023 was $1,268, according to the National Association of Insurance Commissioners (NAIC). Car insurance prices nationally have risen about 18% since then (government price index, August 2026), so we start from about $1,500.
That makes Oregon the 25th least expensive of the 50 states and DC. Nationally, the average was $1,439.
It's an average across every kind of driver and car, not your price. Your car, your driving record, and how much coverage you carry move it up or down.
Oregon next to its neighbors
A typical policy in Oregon costs more than in Idaho and Washington and less than in California and Nevada.
| State | Typical price, 2023 | Moving to Oregon from there |
|---|---|---|
| Oregon | $1,268 | Not a move |
| California | $1,418 | About $200 less a year |
| Idaho | $981 | About $390 more a year |
| Nevada | $1,600 | About $450 less a year |
| Washington | $1,235 | About the same |
| National average | $1,439 | Not a move |
The move is the What-if page's starting example: a 40–64-year-old with a clean record and a 2020 Toyota Camry, full coverage, in the suburbs, with nothing else changed. Only the two states' typical prices make the difference, so a real move can come out differently.
The least insurance Oregon's law asks for
- Liability (per person / per crash / property)
- $25,000 / $50,000 / $20,000
- Personal injury protection (PIP)
- Required
- Medical payments
- Not required
- No-fault
- No
- Uninsured motorist
- Required
- Underinsured motorist
- Required
Liability pays for injuries and damage you cause to others, up to these limits. A minimum is the least the law allows, not a recommendation, and it doesn't pay to fix your own car.
Liability-only coverage, the closest NAIC figure to what a minimum policy costs, averaged $751 in Oregon in 2023 (about $890 today, brought up the same rough way), the 17th highest of the 50 states and DC. That's about 59% of the full-coverage price; the rest pays to fix or replace your own car.
Oregon requires at least $25,000 per person and $50,000 per crash for injuries, plus $20,000 for property damage. Every car policy also has to include personal injury protection (at least $15,000 for medical bills) and uninsured/underinsured-motorist coverage.
Good to know: Oregon's PIP pays your own medical bills no matter who caused the crash, but we found no limit on your right to sue, so Oregon isn't marked as a no-fault state.
What we couldn’t confirm: No law we read says outright that Oregon isn't a no-fault state. We marked medical payments coverage not required because PIP already covers medical bills.
- Personal injury protection
- Required on personal policies: at least $15,000 per person for medical and related expenses, plus other benefits such as lost income.
- Uninsured and underinsured motorist
- Uninsured motorist coverage matches your injury liability limits unless you choose lower limits in writing, and it can't go below $25,000/$50,000 or be dropped. It also covers underinsured drivers.
- Checked
- September 22, 2026
A new teen driver in Oregon
Adding a 16-year-old to a typical policy
about $990 more a year
About $85 a month, on one average car with full coverage. The whole policy with the teen: roughly $1,850–$3,300 a year.
On a policy of their own, with the same kind of car, the same teen would pay about $4,310 a year in Oregon (roughly $3,300–$6,150).
What adding a teen costs comes from California's published prices, so the range is wide, and Oregon may differ. How adding a teen driver works.
Cars that cost the least to add a teen with
In Oregon, the 2022 Subaru Forester, Outback, and Crosstrek come out the same, the least of the 33 cars on the site's popular lists to add a teen with: about $890 more a year. At the other end of the same lists, the 2022 Tesla Model 3 costs about $1,490 more a year.
| Car | Added to your policy | On their own policy |
|---|---|---|
| 2022 Subaru Forester | +$890 a year | $3,850 a year |
| 2022 Subaru Outback | +$890 a year | $3,860 a year |
| 2022 Subaru Crosstrek | +$890 a year | $3,870 a year |
| 2022 Honda CR-V | +$950 a year | $4,140 a year |
| 2022 Toyota RAV4 | +$970 a year | $4,210 a year |
The order is the same in every state, because our car data is national. What changes from state to state is the price level.
Why these cars cost less, and what this doesn't cover.
“Try it with your own car” opens your own situation in Oregon (a 2020 Toyota Camry if you haven't set one) with a new 16-year-old. It starts from that car, not an average one, so its figure can differ from the one above.
Where these numbers come from
- Typical prices: National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report, 2023 data, brought up to today with the government's price index for car insurance.
- The law: Oregon's own statute or insurance department, listed above with the date we checked it.
- Teen drivers and cars: the same math as the rest of the site. Here's how we got these, and every source.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.