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Car Insurance in Oregon: Rates, Minimums & How to Save (2026)
By ReliablePolicy Editorial Team
Oregon drivers pay about $2,121 a year for full coverage — roughly 21% below the national average — but the state requires PIP and uninsured/underinsured motorist coverage, lifting its minimum cost to the national average. Oregon is an at-fault state. Here's the coverage you must carry, what Oregonians pay, and how to save.
Avg. full coverage
$2,121/yr
≈21% below U.S. avg.
Avg. minimum coverage
$841/yr
≈U.S. average
State minimum
25/50/20
+ PIP & UM/UIM required
Fault system
At-fault + PIP
Add-on PIP required
vs. U.S. average
−21%
Below national average
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Minimum coverage required in Oregon
| Coverage | Required limit | Notes |
|---|---|---|
| Bodily injury liability | $25k / $50k | Per person / per accident |
| Property damage liability | $20k | Required |
| Personal injury protection | $15,000 | Required (add-on PIP) |
| Uninsured / underinsured motorist | $25k / $50k | Required in Oregon |
State-mandated minimum coverages. Source: Bankrate, “Minimum Car Insurance Coverage Requirements by State.” Verify current limits with your state insurance department.
Average Oregon premiums by coverage level
| Coverage level | Avg. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $2,121/yr | 21% below U.S. | Comp + collision included |
| Minimum coverage | $841/yr | ≈U.S. average | Includes PIP + UM/UIM |
Source: Bankrate, “Car Insurance Rates by State” (2026). National averages: $2,697 full coverage / $841 minimum coverage. Independent market estimates, not quotes.
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Oregon estimated rates by driver profile (2026)
Estimates anchor each profile to Oregon's average full-coverage premium and apply national rate-increase multipliers from public data — not quotes from any carrier.
| Driver profile | Est. annual premium | vs. clean record | Basis |
|---|---|---|---|
| Clean record, 30–45 | ~$2,121/yr | Baseline | State full-coverage average |
| One at-fault accident | ~$3,033/yr | +43% | 2,121 × 1.43 (Bankrate avg) |
| Speeding ticket | ~$2,630/yr | +24% | 2,121 × 1.24 (Bankrate avg) |
| DUI on record | ~$3,987/yr | +88% | 2,121 × 1.88 (Bankrate avg) |
| Young driver (18–24) | ~$4,242/yr | ≈2× | Roughly double (Bankrate avg) |
| Poor credit score | ~$3,606/yr | +70% | 2,121 × 1.70 (Bankrate avg) |
Multipliers (national averages, full coverage): at-fault accident +43%, speeding +24%, DUI +88%, age 18–24 ≈ 2×, poor credit +70% (Bankrate). Actual premiums are set by carriers on your individual profile.
Oregon: what helps and what hurts your rate
In your favor
- ✓Full-coverage premiums run about 21% below the national average
- ✓Required PIP and UM/UIM make the minimum genuinely protective
- ✓Competitive market with national and regional carriers
- ✓Mild coastal climate reduces some weather-related claims
Works against you
- ✗Required PIP/UM lift the minimum cost to the national average
- ✗Portland-area traffic raises urban premiums
- ✗Wildfire exposure raises comprehensive claims
- ✗Credit history is a permitted rating factor
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A closer look at car insurance in Oregon
Oregon's required PIP and UM/UIM make its minimum policy unusually protective for an at-fault state — covering your own injuries and uninsured-driver risk — which is why it costs more than the bare-liability minimums elsewhere. Full coverage, by contrast, is well below average. With credit and ZIP code driving differences between carriers, comparison shopping is the most reliable way to capture Oregon's lower full-coverage baseline.
Bottom line
Oregon offers below-average full coverage with a protective (PIP + UM) minimum. Comparing carriers and keeping credit healthy is the best way to land a competitive Oregon rate.
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Frequently asked questions about Oregon car insurance
Disclaimer: ReliablePolicy is an independent lead generation and comparison service and is not affiliated with, authorized by, or endorsed by any insurance carrier or government agency. Coverage requirements change — always confirm current minimums with your state insurance department. Rate figures shown are independent market estimates based on publicly available data (primarily Bankrate) and are not quotes, representations, or guarantees of pricing by any carrier. By submitting your information, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile.
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