Popular Questions about Car Insurance in Oregon

On average, Oregon drivers pay $1,211 a year for their car insurance coverage. This is lower than the national average cost of $1,311 a year. 

As a vehicle owner in Oregon, you can find the best rates by comparison shopping. Independent insurance agents can help by getting customized quotes from multiple insurance companies for you. That way, you can be sure you are getting the coverage you need at a competitive price. 

Accidents can happen in the blink of an eye. If you are involved in a crash, here are a few of the ways that your Oregon auto insurance may be able to help.Fix Your Car - Not required. We officially call this "comprehensive & collision coverage" and though it is not required by the state, it may be required by your lender.

  • Fix Someone Else's Car – Required/Min. $20,000. We officially call this "property damage liability."
  • Pay Your Medical Bills –required. We officially call this "personal injury protection" or "PIP." Your policy must include a minimum of $15,000 per person worth of PIP coverage
  • Pay Someone Else's Medical Bills – Required/Min. $25,000 per person; $50,000 per accident. We officially call this "bodily injury liability."
  • Pay For Uninsured Drivers – Required / Min $3,500. This is called uninsured motorist insurance. Your policy must include $25,000 per person / $50,000 per accident worth of uninsured motorist bodily injury coverage.

Oregon is an at-fault (or “tort”) state. This means that the driver who causes the accident is responsible for covering damages and medical costs.

However, Oregon is a bit different from most at-fault states in that it required drivers to carry personal injury protection insurance. The difference is that drivers may pursue bodily injury liability damages from the at-fault driver even if their own insurance has covered their medical costs.

Driving without insurance is illegal in Oregon. If you are caught, you can face:

  • Fines of $260 to $1,000
  • The suspension of your license and registration with a $75 reinstatement fee
  • Possible vehicle impoundment
  • The requirement to file an SR-22 and provide monthly insurance verification for 3 years

Despite the penalties, an estimated 12.7% of drivers in this state are operating uninsured vehicles.

This is why the state’s requirement to carry PIP and uninsured motorist insurance is so important. It can prevent you from needing to go through lengthy legal channels and facing unmanageable medical bills if you are injured by an uninsured driver in an accident.

There is no such thing as an insurance company that is the best choice for everyone. The company that may offer the most value to you is not necessary the same company that is ideal for your neighbor or your cousin.

Independent agents compare policies and rates from a variety of top-rated insurance companies in order to find you the policy that best meets your coverage and budgetary needs.

Yes! There are currently 226 independent insurance agencies in Oregon who are ready to help.

A local independent agent can work with several different insurance providers to help find a great policy at a competitive rate. Find an agent near you to learn more.

How does car insurance work?

Find the Best Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 25.4 Min

National average car thefts per 1,000 2.94 Year

National average car insurance cost $1318 Year

CityCommute time (min)Auto theft rate / 1,000Annual insurance cost
Albany20.72.07$1,165
Beaverton22.52.65$1,244
Bend12.80.96$944
Corvallis15.11.20$998
Eugene17.63.17$1,185
Grants Pass16.34.76$1,279
Gresham30.71.13$1,294
Hillsboro23.12.00$1,208
Keizer21.72.64$1,228
Lake Oswego22.20.71$1,093
Medford13.84.37$1,199
Portland24.710.55$1,581
Salem21.25.22$1,411
Springfield19.62.47$1,173
Tigard23.21.88$1,201
  1. $132
  2. Portland, OR Car insurance average monthly cost
  3. The average monthly cost of auto insurance in Portland is $132.
  4. When calculating your actual rate, insurance companies will consider several factors including information about your vehicle, such as its make, model and year, and details about you such as your age, driving record, and sometimes even your credit score. This means your monthly cost could be significantly higher or lower than this average.
  5. Can you imagine walking out of your local Grocery Outlet supermarket only to find that your car has been stolen? As a resident of Portland, which has one of the highest auto theft rates in the state, this is a valid concern. That is one of the many reasons why several of Portland’s vehicle owners choose to include comprehensive coverage in their auto insurance policies. This optional coverage not only covers losses due to auto theft, it can also pay for damage caused by other non-collision events such falling objects, floods, and garage fires.
  6. Find an independent insurance agent near your Portland home to get more information.


  1. $118
  2. Salem, OR Car insurance average monthly cost
  3. The average monthly cost of car insurance in Salem is $118.
  4. This average should only serve as a baseline to give you an idea of what you might be expected to pay. Your actual monthly cost could be higher or lower than this amount because insurance companies take into account such things as your age, gender, occupation, and driving record as well as details about your vehicle when calculating your personalized quote.
  5. Whether you find yourself in a multi-vehicle collision on I-5, or in a fender-bender on State Street, a good car insurance policy can cover your costs. By purchasing a policy that includes collision coverage, you can be sure that damages to your vehicle are covered, even if the accident was your own fault.
  6. Talk to an independent agent in Salem to learn more about how each car insurance coverage option can benefit you.


  1. $99
  2. Eugene, OR Car insurance average monthly cost
  3. The average monthly cost of car insurance in Eugene is $99.
  4. However, this is just an average. Your actual monthly cost could be higher or lower depending on a number of considerations such as your age, driving record, and details about the vehicle(s) you wish to insure. Let an independent insurance compile a variety of customized Eugene car insurance quotes so you can find the policy that offers you the best value.
  5. Eugene residents occasionally experience flash flooding. Floods can cause significant damage to cars whether by washing them away, filling them with mud, or destroying the engine. In many cases, flood damaged cars are totaled. Fortunately, if your policy includes comprehensive coverage, your insurance company can cover the cost to purchase a replacement car of comparable value.
  6. Learn more about comprehensive coverage as well as the other optional coverage available to you by speaking with one of Eugene’s experienced independent agents.


  1. $108
  2. Gresham, OR Car insurance average monthly cost
  3. The average monthly cost of auto insurance in Gresham is $108.
  4. Because your Gresham car insurance rate is customized according to your personal details, your actual monthly cost could be considerably higher or lower than this average amount. Several factors such as your driving record, the type of car you own, the amount of liability coverage you want, and the size of your deductible can influence how insurance companies calculate your price.
  5. I-84, also known as the Vietnam Veterans’ Memorial Highway, is among the most dangerous roads in Gresham, particularly at the merge points. This very busy highway, which is heavily trafficked with personal, commercial, and industrial vehicles, and it has a lot of large trucks traveling at very high speeds. Of course, accidents can happen just about anywhere. Whether you are sideswiped by a minivan on the highway or you cause a minor collision on a residential road, a solid Gresham car insurance policy can cover your costs.
  6. Find an insurance agent in Gresham to learn more about your various options when it comes to car insurance coverage.


  1. $101
  2. Hillsboro, OR Car insurance average monthly cost
  3. The average monthly cost of car insurance in Hillsboro is $101.
  4. Of course, you should take this average with a grain of salt. Your quoted monthly cost could be higher or lower than this, since jt is completely personalized according to your driving history, vehicle information, coverage amounts, details about you and the other drivers in your household, and the size of your deductible.
  5. It naturally goes to follow that the more time you spend behind the wheel of your car, the more likely you are to be involved in a collision. Residents of Hillsboro have some of the longest commute times in the state. This extra time spent getting to and from work can translate to higher costs for car insurance. If you work from home or use public transportation, you may qualify for low-mileage discounts on your coverage.
  6. Talk to an independent insurance agent in Hillsboro for help finding a great price for car insurance.