Oregon car insurance

With estimated full coverage premiums of around $148 per month ($1,776 per year) as of 2026, Oregon is one of the more affordable states when it comes to car insurance.

The state minimum policy runs about $73 per month. Oregon’s state minimum mandates some coverage, such as personal injury and uninsured motorist, that most states leave as optional.

This guide will walk you through everything you need to know about buying car insurance in Oregon.

On average, Oregon insurance carriers charge about $148 per month for full coverage ($1,776 per year). The average premium for the state minimum policy was about $73 per month, or $875 per year.

Penalties for driving without insurance in Oregon

Driving uninsured in Oregon is a Class B traffic violation.¹

For convictions on or after January 1, 2026, Senate Bill 840 requires an SR-22 filing for one year – meaning that your insurance company will file your insurance status with the state DMV, and notify them if your policy lapses.²

If you fail to maintain your SR-22 status, the DMV can administratively suspend your license.If you are in a crash and are uninsured, that triggers a three-year SR-22 requirement.³

If your license is suspended, it will cost you $85 to reinstate it.⁴

Oregon requires a minimum of 25/50/20 liability protection, $15,000 in personal injury protection (to pay for your own injuries and those of your passengers), and 25/50 uninsured and underinsured motorist coverage before you can drive legally.¹

Unlike many states, Oregon mandates personal injury protection and uninsured motorist coverage on top of liability insurance. Most other states leave those coverages optional.

Oregon Personal Injury Protection (PIP)

Oregon requires all policies to include at least $15,000 in personal injury protection (PIP).This coverage pays your and your passengers' reasonable and necessary medical costs within two years of a crash, up to your policy limit, no matter who caused the wreck.⁵

In Oregon, PIP doesn’t just pay for medical bills. Carriers must also provide separate PIP benefits that cover wage losses, essential services, and funeral expenses under state law.⁶

Oregon Uninsured/Underinsured Motorist Coverage (UM/UIM)

Around one in seven Oregon drivers, 14.7 percent, carries no insurance whatsoever, according to the Insurance Research Council.⁷ If you’re in an accident with an uninsured driver, it’s unlikely you’ll be able to collect damages from them. 

That’s where uninsured/under-insured motorist insurance comes in: It steps in to protect you, even if the other driver didn’t carry adequate coverage.

For full-coverage policies, USAA posts the cheapest coverage in Rhode Island, coming in at $115 per month, or $1,384 per year. USAA membership is limited to military service members, veterans, and selected family members. Travelers Insurance, Progressive at $166, GEICO, and Nationwide are also ranked among the cheapest on average.

As you can see, rates vary substantially, even for the same driver and the same coverage. Use Luva to compare Oregon carriers with your details so you can see where you land.

Oregon insurers base rates primarily on driving history, age, credit score, location, vehicle type, and coverage limits.

• Driving record: Tickets, at-fault accidents, and DUIs raise premiums for years.

• Credit history: Oregon permits credit-based insurance scores. Higher credit scores yield lower rates. An Oregon driver with excellent credit pays $123 per month on average, while a driver with poor credit pays $268.

• Location: Rates vary by city and region due to differing accident, theft, and repair costs.

• Vehicle: Repair costs, theft rates, and vehicle age directly affect premiums.

• Coverage limits: Higher limits and lower deductibles increase premiums.

How does location affect Oregon car insurance rates?

Here’s a look at how rates vary across Oregon by city:

How do violations affect Oregon car insurance rates?

A single traffic violation sharply increases rates. Here’s a look:

To find affordable coverage, compare quotes across multiple insurers, maintain a clean driving record and strong credit, and choose the highest manageable deductible.

• Compare quotes using identical coverage limits and deductibles. Luva pulls personalized quotes from multiple Oregon insurers on the same coverage, so you're comparing true apples-to-apples prices.

• Request all eligible discounts, including multi-policy, multi-car, safe-driver, telematics, pay-in-full, and paperless options.

• Raise your deductible. Increasing your deductible from $500 to $1,000 significantly lowers premiums.

• Avoid coverage lapses, and do not drive uninsured. Oregon prohibits reclassifying drivers to higher risk categories after a lapse unless they drove uninsured during that time.⁸

• Re-quote coverage after major life changes, such as moving, buying a vehicle, adding a teen driver, or improving credit scores.