Insurance in Oregon

Compare auto, home, and life insurance rates in Oregon from top-rated carriers. Free quotes from licensed agents. Veteran-owned & operated.

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Written & reviewed by Richard Mohn Licensed Insurance Agent & Founder, Rate Reduction Insurance

🎖️ U.S. Military Veteran 📋 Licensed in 50 States 🕐 15+ Years Experience 📅 Updated: April 10, 2026

Insurance Options in Oregon

🚗 Auto Insurance in Oregon› 🏠 Home Insurance in Oregon› 💚 Life Insurance in Oregon›

Auto Insurance Rates in Oregon (2026)

Oregon uses an at-fault/tort insurance system and requires Personal Injury Protection (PIP). The state mandates minimum liability coverage of 25/50/20. The average full coverage premium is $149/month. Here are the cheapest options:

Insurance Company	6-Month Premium	Monthly Cost
GEICO ⭐	$678	$113/mo
Progressive	$762	$127/mo
State Farm	$834	$139/mo
Farmers	$960	$160/mo
Allstate	$1,020	$170/mo

→ Full Oregon auto insurance guide with city rates

Oregon Insurance at a Glance

$149

Avg. Monthly (Auto)

$113

Cheapest Auto Rate

25/50/20

Min. Liability Limits

Uninsured Drivers

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Popular Auto Insurance Topics in Oregon

Auto Insurance by City in Oregon

Rates vary significantly by city. Click yours for local rate comparisons:

📍 Portland› 📍 Eugene› 📍 Salem› 📍 Gresham› 📍 Hillsboro› 📍 Bend› 📍 Beaverton› 📍 Medford› 📍 Springfield› 📍 Corvallis› 📍 Albany› 📍 Tigard› 📍 Aloha› 📍 Lake Oswego› 📍 Keizer› 📍 Grants Pass› 📍 Oregon City› 📍 McMinnville› 📍 Redmond› 📍 Bethany› 📍 Tualatin› 📍 West Linn› 📍 Wilsonville› 📍 Forest Grove› 📍 Woodburn› 📍 Newberg› 📍 Happy Valley› 📍 Roseburg› 📍 Hayesville› 📍 Klamath Falls› 🗺️ View All 65 Cities›

Oregon Insurance FAQ

What insurance do I need in Oregon?

At minimum, Oregon requires liability auto insurance with limits of 25/50/20. Most Oregon residents also benefit from homeowners or renters insurance and life insurance. We can help you find the best rates for all three.

Who has the cheapest insurance in Oregon?

For auto insurance, GEICO offers the cheapest full coverage at $113/month. However, rates vary by driver — comparing multiple carriers is the best way to find your lowest rate.

How can I save on insurance in Oregon?

Bundle multiple policies (auto + home), compare quotes from several carriers, maintain a clean driving record, raise your deductible, and ask about available discounts. Call us at (888) 217-6781 for a free comparison.

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
Oregon Division of Financial Regulation — official state insurance regulator for Oregon.
National Association of Insurance Commissioners (NAIC) — national insurance data and consumer resources.
Oregon DMV — Oregon vehicle registration and licensing requirements.
Insurance Information Institute (III) — independent insurance education and research.
National Highway Traffic Safety Administration (NHTSA) — crash and safety statistics.
NHTSA FARS Database — fatal crash and DUI arrest data by state and locality.

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