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Oregon Car Insurance Rates 2026: Compare Quotes by City

Find the cheapest car insurance in Oregon. Compare city-level rates, carrier rankings, and local risk data for all major Oregon cities. Average: $1,908/month in 2026.

$1,908
Province/State Average 2026
14+
Cities Covered
$400+
Potential Annual Savings
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Oregon Car Insurance: 2026 Overview

Car insurance rates in Oregon average $1,908/month in 2026. Legal system: No-Fault (PIP). Vehicle theft risk: Moderate. Comparison shopping across at least three admitted carriers saves most Oregon drivers $300–$500/year.

Rates vary significantly by city: urban centres with high traffic density and theft exposure typically run 15–35% above the Oregon average, while rural and suburban markets offer meaningful savings for drivers who compare at renewal.

💡 Top Savings Tip for Oregon Drivers

Portland drivers should use 'Eco-Commute' credits if they use public transit or bikes 2+ days/week.

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Oregon drivers save an average of $480/year by comparing quotes. Takes under 3 minutes.

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Browse Oregon Car Insurance by City

Albany OrCar Insurance Rates BeavertonCar Insurance Rates BendCar Insurance Rates CorvallisCar Insurance Rates EugeneCar Insurance Rates GreshamCar Insurance Rates HillsboroCar Insurance Rates Klamath FallsCar Insurance Rates Lake OswegoCar Insurance Rates MedfordCar Insurance Rates PortlandCar Insurance Rates RoseburgCar Insurance Rates SalemCar Insurance Rates Springfield OrCar Insurance Rates

Frequently Asked Questions: Oregon Car Insurance

Is PIP required in OR?
Yes, Oregon requires a minimum of $15,000 in PIP coverage.
How can I save on car insurance in Oregon?
Portland drivers should use 'Eco-Commute' credits if they use public transit or bikes 2+ days/week. Additionally, comparing at least 3 carriers at renewal is the single most impactful action: rate spreads for identical profiles in Oregon typically exceed $400/year.
How do I find the cheapest Oregon car insurance by city?
Click any city above to see city-specific rate averages, top carriers, and savings tips for that location. Rates vary by up to 35% across Oregon cities based on traffic density, theft rates, and local claim frequency.