Oregon Insurance Specialists Since 1935

Average Auto Insurance Cost Oregon

What Oregon Drivers Pay for Car Insurance in 2026

Oregon Auto Insurance Rates in 2026

The average auto insurance cost in Oregon is approximately $1,400 to $1,800 per year for full coverage, or $600 to $900 per year for state minimum liability coverage. Rates vary significantly by city, driving record, vehicle, and coverage level.

$600 – $900/yr

State Minimum Liability

25/50/20 Oregon minimums

$1,400 – $1,800/yr

Standard Full Coverage

Most Oregon drivers

$2,000 – $3,500+/yr

High-Risk / SR-22

DUI, accidents, poor credit

Oregon Minimum Auto Insurance Requirements

$25,000 bodily injury per person

$50,000 bodily injury per accident

$20,000 property damage per accident

Personal Injury Protection (PIP): $15,000 minimum

Uninsured Motorist: $25,000/$50,000

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Bend — Main Office

2843 NW Lolo Drive

Bend, OR 97703

(541) 238-7775

Prineville Office

220 NW Meadow Lakes Drive

Brookings Office

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