Average insurance rates across 84 cities in Oregon
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Portland | 652,503 | $1,593 | $1,888 | $534/mo | $19/mo |
| Eugene | 176,654 | $1,444 | $1,712 | $525/mo | $17/mo |
| Salem | 175,535 | $1,431 | $1,696 | $525/mo | $17/mo |
| Medford | 168,959 | $1,485 | $1,760 | $528/mo | $18/mo |
| Gresham | 113,525 | $1,485 | $1,760 | $528/mo | $18/mo |
| Bend | 111,774 | $1,485 | $1,760 | $528/mo | $18/mo |
| Hillsboro | 106,612 | $1,485 | $1,760 | $528/mo | $18/mo |
| Beaverton | 97,554 | $1,485 | $1,760 | $528/mo | $18/mo |
| Corvallis | 67,187 | $1,485 | $1,760 | $528/mo | $18/mo |
| Springfield | 61,740 | $1,485 | $1,760 | $528/mo | $18/mo |
| Albany | 56,348 | $1,485 | $1,760 | $528/mo | $18/mo |
| Tigard | 55,161 | $1,485 | $1,760 | $528/mo | $18/mo |
| Aloha | 53,532 | $1,485 | $1,760 | $528/mo | $18/mo |
| Lake Oswego | 40,457 | $1,485 | $1,760 | $528/mo | $18/mo |
| Grants Pass | 39,131 | $1,485 | $1,760 | $528/mo | $18/mo |
Oregon residents pay an average of $1,350 per year for home insurance and $1,600 for auto insurance. Oregon follows an at-fault insurance system, meaning the driver who caused the accident is responsible for damages. The minimum auto liability coverage required is 25/50/20.
Health insurance in Oregon averages $520 per month for an individual Silver marketplace plan. The weather risk level is medium, with earthquake risk to consider. Top insurance providers in Oregon include State Farm, Farmers, Oregon Mutual.
The average home insurance cost in Oregon is $1,350 per year. Rates range from $850 to $1,950 depending on home value, location, and coverage level.
Auto insurance in Oregon averages $1,600 per year for full coverage. The state minimum coverage is 25/50/20.
Oregon has below-average insurance costs, with home insurance at $1,350/yr and auto at $1,600/yr compared to national averages of $2,300 and $1,800 respectively.
Oregon requires minimum liability coverage of 25/50/20 (bodily injury per person / per accident / property damage in thousands). It follows an at-fault system.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.