How much is car insurance in Oregon?
Car insurance in Oregon cost an average of $1,268 a year for full coverage in 2023 (NAIC), sitting 12% below the $1,439 national average and coming to about $1,500 a year in Oregon today (about $125 a month in August 2026 dollars). In Oregon, the law asks for at least 25/50/20 liability, while Oregon liability-only policies—the closest NAIC figure to minimum coverage—averaged $751 in 2023 (about $890 today).
Average car insurance cost in Oregon: 12% below the US average
Typical Oregon full-coverage price today
about $1,500 a year in Oregon (about $125 a month)
Oregon's 2023 NAIC full-coverage average ($1,268) adjusted +18% to August 2026 using the US motor-vehicle insurance price index; your Oregon rate depends on your car, driving history, and coverage limits.
In 2023 NAIC data, Oregon was the 25th least expensive of the 50 states and DC for full coverage ($1,268 vs $1,439 nationally), but ranked higher on liability alone (17th highest in the US at $751) because liability makes up 59% of a full-coverage Oregon bill. Across all insured vehicles in Oregon (including policies without collision or comprehensive), NAIC's 2023 average expenditure was $1,170 (20th highest in the US, about $1,390 today)—only 8% ($98) below Oregon's $1,268 full-coverage benchmark.
How Oregon compares with California, Idaho, Nevada, and Washington
A typical policy in Oregon ($1,268 in 2023) costs more than in Idaho and Washington and less than in California and Nevada. Among Oregon's neighbors, Idaho had the lowest 2023 average ($981, moving to Oregon is about $380 more a year) and Nevada had the highest ($1,600, moving to Oregon is about $440 less a year).
| State | 2023 average | Moving to Oregon from there |
|---|---|---|
| Oregon | $1,268 | Current state (Oregon) |
| California | $1,418 | About $200 less a year |
| Idaho | $981 | About $380 more a year |
| Nevada | $1,600 | About $440 less a year |
| Washington | $1,235 | About the same |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: Alabama ($1,269 in 2023, about $1,500 today), Pennsylvania ($1,273 in 2023, about $1,510 today), Alaska ($1,262 in 2023, about $1,500 today), and Illinois ($1,257 in 2023, about $1,490 today).
Oregon: 25/50/20 minimums, with mandatory PIP and uninsured-motorist coverage
- Oregon liability (per person / per crash / property)
- $25,000 / $50,000 / $20,000
- Personal injury protection (PIP) in Oregon
- Required
- Medical payments in Oregon
- Not required
- No-fault system in Oregon
- No
- Uninsured motorist in Oregon
- Required
- Underinsured motorist in Oregon
- Required
Set by ORS 806.070, Oregon's 25/50/20 minimum pays up to $25,000 per person and $50,000 per crash for injuries you cause to others, plus $20,000 for others' property—the legal floor in Oregon, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
Liability-only coverage in Oregon—the closest NAIC figure to what an Oregon minimum policy costs—averaged $751 in 2023 (about $890 in Oregon today), the 17th highest of the 50 states and DC. That makes liability 59% of Oregon's full-coverage average ($1,268), while the remaining 41% goes toward collision and comprehensive coverage for 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.
- History and recent checks
- ORS 2025 edition. Property damage $20,000 (amounts last amended 2009 c.66 per history note). No 2024-2026 change found.
- Checked
- September 22, 2026
- Sources
- ORS 806.070
(a) $25,000 because of bodily injury to or death of one person ... $50,000 because of bodily injury to or death of two or more persons ... (c) $20,000 because of injury to or destruction of the property of others
- ORS 806.010
A person commits the offense of driving uninsured if the person operates a motor vehicle in this state on any highway or premises open to the public
- ORS 742.520 and 742.524
Every motor vehicle liability policy issued for delivery in this state that covers any private passenger motor vehicle shall provide personal injury protection benefits" / "but not more than $15,000 in the aggregate
- ORS 742.502
shall provide in the policy or by indorsement on the policy uninsured motorist coverage" / "may not elect limits lower than the amounts prescribed to meet the requirements of ORS 806.070" / "Uninsured motorist coverage must include underinsurance coverage
- ORS 806.070
Adding a 16-year-old driver in Oregon: about $990 more a year
Adding a 16-year-old to a Oregon policy
about $990 more a year
About $85 a month (+66% over a typical Oregon adult policy of $1,500), bringing the combined Oregon family policy to roughly $1,850–$3,300 a year.
On a separate Oregon policy of their own with the same car, a 16-year-old in Oregon would pay about $4,310 a year (roughly $3,300–$6,150), so sharing a parent's Oregon policy saves about $3,320 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to Oregon's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Oregon
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 on an Oregon policy, versus about $1,490 more a year for the 2022 Tesla Model 3 at the top of Oregon's list.
| 2022 model | Added to a Oregon policy | Own Oregon policy |
|---|---|---|
| 2022 Subaru Forester | +$890 in Oregon | $3,850 in Oregon |
| 2022 Subaru Outback | +$890 in Oregon | $3,860 in Oregon |
| 2022 Subaru Crosstrek | +$890 in Oregon | $3,870 in Oregon |
| 2022 Honda CR-V | +$950 in Oregon | $4,140 in Oregon |
| 2022 Toyota RAV4 | +$970 in Oregon | $4,210 in Oregon |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Oregon
In Oregon, a 45-year-old with full coverage pays from about $1,450 a year for a 2024 Subaru Ascent to about $2,740 for a 2024 Tesla Model X on these Oregon sample models.
| Car | 45-year-old in Oregon | Adding a teen in Oregon |
|---|---|---|
| 2024 Toyota bZ4X | about $1,570 a year | +$1,040 a year |
| 2024 Tesla Model S | about $2,680 a year | +$1,770 a year |
| 2024 Tesla Model X | about $2,740 a year | +$1,810 a year |
| 2024 Honda Pilot | about $1,460 a year | +$960 a year |
| 2024 Honda Passport | about $1,520 a year | +$1,000 a year |
| 2024 Toyota 4Runner | about $1,530 a year | +$1,010 a year |
| 2024 Toyota Grand Highlander | about $1,560 a year | +$1,030 a year |
| 2024 Subaru Ascent | about $1,450 a year | +$950 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Oregon
- How much is car insurance in Oregon?
- In Oregon, full-coverage car insurance averaged $1,268 a year in 2023 (the 25th least expensive of the 50 states and DC per NAIC), or about $1,500 a year ($125 a month) in Oregon as of August 2026. Oregon liability-only coverage averaged $751 in 2023 (59% of Oregon's full-coverage figure, or about $890 today), and Oregon drivers spent $1,170 per insured car across all policies.
- What are the minimum car insurance limits in Oregon?
- Under ORS 806.070, Oregon requires 25/50/20 liability: $25,000 per person and $50,000 per crash for bodily injury, plus $20,000 for property damage. ORS 2025 edition. Property damage $20,000 (amounts last amended 2009 c.66 per history note). No 2024-2026 change found.
- How much does adding a 16-year-old teen driver cost in Oregon?
- Adding a 16-year-old to a parent's full-coverage policy in Oregon adds about $990 more a year ($85 a month), bringing the Oregon household policy to roughly $1,850–$3,300 a year versus about $4,310 a year (roughly $3,300–$6,150) on a standalone Oregon teen policy.
- Is Oregon a no-fault car insurance state?
- No—Oregon is an at-fault state for crash liability, though Oregon law still requires personal injury protection (PIP) on auto policies. Required on personal policies: at least $15,000 per person for medical and related expenses, plus other benefits such as lost income.
- How does Oregon's car insurance cost compare with California?
- Oregon averaged $1,268 for full coverage in 2023 (NAIC) against $1,418 in California (11% less than California), and moving a sample policy from California to Oregon today is about $200 less a year. Other bordering states averaged $981 in Idaho, $1,600 in Nevada, and $1,235 in Washington in 2023.
Sources for Oregon
- Oregon average premiums ($1,268 full coverage, $751 liability-only, $1,170 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Oregon minimum coverage statutes (ORS 806.070; ORS 806.010; ORS 742.520 and 742.524; ORS 742.502), checked September 22, 2026. Page updated for Oregon. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.