Oregon drivers pay an average of $1,192/year — $579 less than the national average. With 249 crashes per year and a 1.8 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $148/year.
(888) 217-6781Estimated full coverage auto insurance rates for Oregon, OH from top carriers. Rates are adjusted for Oregon's 249 annual crashes, 1.8 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $451 | $75/mo |
| Erie Insurance | $477 | $79/mo |
| Progressive | $508 | $85/mo |
| State Farm | $560 | $93/mo |
| Allstate | $679 | $113/mo |
Estimates based on 2026 rate filings for ZIP 43605. GEICO is cheapest at ~$75/mo. Actual rates vary by driver profile and exact Oregon location.
These Oregon-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Oregon, OH. Takes under 2 minutes.
(888) 217-6781Oregon is a smaller city in Ohio with a population of 19,950. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as lake-effect snow, severe thunderstorms, tornadoes, flooding, ice, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Oregon.
For official Ohio insurance regulations, visit the Ohio Department of Insurance. For driver licensing, see the Ohio BMV.
Your specific ZIP code within Oregon can swing your premium by hundreds of dollars. Here's how rates compare across Oregon neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 43611 | Oregon South Side | $1,123/yr | $94/mo |
| 43610 | Oregon North Side | $1,141/yr | $95/mo |
| 43617 | Oregon West Side | $1,171/yr | $98/mo |
| 43607 | Oregon East Side | $1,229/yr | $102/mo |
| 43605 | Oregon Downtown/Central | $1,301/yr | $108/mo |
The cheapest ZIP is 43611 (Oregon South Side) at $1,123/yr. The most expensive is 43605 (Oregon Downtown/Central) at $1,301/yr — a $178/year difference for the same driver.
Your Oregon ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Oregon. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $2,503/yr | $209/mo | +110% vs avg |
| Young Adult (20-25) | $1,669/yr | $139/mo | +40% vs avg |
| Adult (26-35) | $1,192/yr | $99/mo | 0% vs avg |
| Mid-Career (36-50) | $1,049/yr | $87/mo | -12% vs avg |
| Senior (51-65) | $989/yr | $82/mo | -17% vs avg |
| 65+ | $1,061/yr | $88/mo | -11% vs avg |
Teens in Oregon pay an average of $2,503/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $989/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Ohio cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Oregon drivers can save up to $148/year. ZIP 43611 (Oregon South Side) has the lowest rates starting at $1,123/yr.
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