Comparing auto insurance in Oregon is most useful when you account for state rules, local claims patterns, and the coverage options that protect your own vehicle as well as other drivers.
Oregon pricing is shaped by required PIP and UM/UIM coverage, Portland-area traffic, I-5 corridor commuting, winter road conditions, wildfire exposure, flooding, hail, animal collisions, and rural/mountain driving. NOAA lists 41 billion-dollar weather and climate disaster events affecting Oregon from 1980 through 2024, including 16 drought events, 16 wildfire events, 3 flooding events, and 3 winter storm events. ODFW also says vehicle collisions with deer and elk peak in October and November, and ODOT crews remove about 6,000 deer carcasses from Oregon public roadways each year.
Oregon premiums can vary between Portland, Salem, Eugene, Bend, Medford, Gresham, Hillsboro, Beaverton, coastal communities, eastern Oregon, mountain-pass areas, suburbs, and rural counties because traffic density, commute mileage, garaging ZIP code, wildfire and winter-weather exposure, animal collisions, theft risk, local claim patterns, vehicle type, driver history, prior insurance, and carrier pricing differ across the state.
25/50/20 + $15k PIP + UM/UIM 25/50
$25,000 bodily injury liability per person, $50,000 bodily injury liability per crash, $20,000 property damage liability per crash, $15,000 personal injury protection per person, and uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per crash. Oregon uninsured motorist coverage includes underinsured motorist bodily injury protection under Oregon law.
At Fault
Required
Oregon requires personal injury protection with a minimum limit of $15,000 per person. Oregon DFR says PIP covers reasonable accident-related medical expenses and some other costs such as wage losses or funeral expenses, regardless of who is at fault in a crash.
Required
Oregon requires uninsured motorist bodily injury coverage of at least $25,000 per person and $50,000 per crash. Oregon law also says uninsured motorist coverage must include underinsurance coverage for bodily injury or death.
Recent rate data estimates Oregon annual auto insurance premiums at about $2,132 for full coverage and $976 for minimum coverage.
| Driver Profile | Estimated Annual Premium |
|---|---|
| Clean record, 35, full coverage | ~$2,132/yr |
| Clean record, 35, minimum required coverage | ~$976/yr |
NerdWallet June 2026 Oregon median annual rates for a 35-year-old driver with good credit and a clean driving record.
Source: NerdWallet 2026
Average premiums are estimates and are not quotes. Actual rates vary by ZIP code, garaging location, driver profile, driving record, credit-based insurance score where used, vehicle, coverage limits, deductibles, PIP and UM/UIM selections, discounts, claims history, prior insurance, and carrier.
Oregon minimum coverage focuses on required protection such as $25,000 bodily injury liability per person, $50,000 bodily injury liability per crash, $20,000 property damage liability per crash, $15,000 personal injury protection per person, and uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per crash. Oregon uninsured motorist coverage includes underinsured motorist bodily injury protection under Oregon law.. Minimum coverage may satisfy state rules, but it usually does not repair or replace your own vehicle after many losses.
Some drivers need a financial-responsibility filing or high-risk auto insurance after serious violations, coverage lapses, or license-related issues. The form name, filing trigger, and required duration vary by state.
Oregon uses SR-22 certificates as proof of future responsibility in some uninsured-crash, uninsured-driving, DUII, traffic-crime, hardship-permit, and other DMV-required situations. Oregon DMV says an SR-22 is a certificate showing motor vehicle liability insurance, must be filed even if the person does not own a vehicle when required, and must be maintained until the requirement ends.
Oregon DMV guidance reviewed for this page refers to SR-22 proof of future responsibility, not FR-44. Do not publish FR-44 as a standard Oregon requirement.
High-risk insurance may cost more, but comparing quotes can help you review available options.
Adding a teen driver to your Oregon auto insurance policy typically increases premiums because newer drivers have less experience. Good student, driver training, safe driving, and household policy discounts may help reduce the cost when available.
Compare quotes when adding a teen driver because companies can rate household drivers and vehicles differently.
Insurance partners may offer various discounts to Oregon drivers, including:
Oregon drivers should ask about safe-driver, accident-free, good-student, teen defensive-driving, multi-car, bundling, low-mileage, anti-theft, vehicle safety feature, telematics, paperless billing, automatic payment, and pay-in-full discounts. Oregon DFR notes that many insurers grant discounts for clean records, teen defensive-driving courses, and good grades, while Oregon DMV says drivers age 55 or older may qualify for an insurance discount after completing an approved motor vehicle collision prevention course.
Ask about available discounts when comparing quotes.
| Rank | Carrier | Market Share |
|---|---|---|
| 1 | State Farm Mutual Automobile Insurance Company | 21.13% |
| 2 | Progressive Universal Insurance Company | 12.11% |
| 3 | Artisan & Truckers Casualty Company | 7.77% |
| 4 | Allstate Fire and Casualty Insurance Company | 5.76% |
| 5 | Farmers Insurance Company of Oregon | 5.16% |
| 6 | Safeco Insurance Company of Oregon | 5.09% |
| 7 | GEICO Casualty Company | 4.47% |
| 8 | GEICO Secure Insurance Company | 4.31% |
| 9 | Country Preferred Insurance Company | 2.57% |
| 10 | Standard Fire Insurance Company | 2.48% |
Source: Oregon Division of Financial Regulation 2024
Carrier rankings are based on the Oregon Division of Financial Regulation 2024 Total Private Passenger Auto Top 25 Authorized Companies report. The source lists individual insurer companies rather than fully consolidated consumer-facing brand groups, so related companies such as GEICO, Progressive, Farmers, State Farm, Safeco/Liberty Mutual, and USAA affiliates may appear separately. Use this as company-level market share, not a quote recommendation.
Find auto insurance in these major Oregon cities:
The estimated average cost of car insurance in Oregon is $2,132 per year for full coverage and $976 per year for minimum required coverage, based on NerdWallet’s June 2026 rate analysis for a 35-year-old driver with good credit and a clean driving record. Your actual premium can vary by ZIP code, garaging location, driving record, vehicle, coverage choices, deductibles, PIP and UM/UIM selections, discounts, credit-based insurance score where used, prior insurance history, and carrier.
Oregon requires at least 25/50/20 liability coverage: $25,000 bodily injury liability per person, $50,000 bodily injury liability per crash, and $20,000 property damage liability per crash. Oregon also requires $15,000 personal injury protection per person and uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per crash.
Yes. Oregon requires PIP with a minimum limit of $15,000 per person and uninsured motorist bodily injury coverage of 25/50. Oregon law also says uninsured motorist coverage must include underinsured motorist bodily injury protection.
Oregon may require an SR-22 certificate in some uninsured-crash, uninsured-driving, DUII, traffic-crime, hardship-permit, and other DMV-required situations. An SR-22 is not a separate insurance policy; it is a certificate showing that required liability insurance is in place.
Many insurance partners offer same-day coverage. Once you select a policy and complete the application, coverage can often begin immediately or on the date you specify.
Oregon drivers can compare quotes, maintain continuous coverage, ask about safe-driver, good-student, teen defensive-driving, multi-car, bundling, low-mileage, anti-theft, safety-feature, telematics, paperless billing, and payment-related discounts, and check whether a 55-and-older collision-prevention course discount applies.
Important: A-1 Auto Insurance connects consumers with insurance quote partners. We are not a licensed insurance company or agent. The quotes you receive are from our partner insurance providers. By submitting your information, you consent to be contacted by our partners regarding insurance products and services.
Coverage availability, pricing, and requirements vary by state and individual circumstances. The information on this page is for general guidance only and is not legal advice. Check current state insurance department or DMV requirements before buying minimum-only coverage.
