Short answer: car insurance in Oregon depends on your ZIP code, coverage level and driver/home profile. Oregon's state minimum car insurance is 25/50/20. Compare free quotes from licensed partners in ~2 minutes. The average annual car insurance premium in Oregon is about $1,170 (NAIC, 2023); your exact rate depends on coverage and profile.
Updated August 2026
Oregon car insurance basicsOregon is an
at-fault (tort) state for auto insurance. Minimum car insurance in Oregon:
25/50/20 — $25k bodily injury/person, $50k/accident, $20k property damage. Statewide average premium:
~$1,170/yr (NAIC, 2023).
Verify with the state insurance department →
Cities in Oregon
Oregon car insurance FAQ
How much is car insurance in Oregon?
The average annual car insurance premium in Oregon is about $1,170 (NAIC, 2023); your rate varies by city, ZIP, coverage and profile. Compare free quotes from licensed partners.
How do I get cheap car insurance in Oregon?
Compare multiple carriers, bundle policies, and check local Oregon discounts. Get free quotes in a couple of minutes.
Also compare home insurance in Oregon →