Compare car insurance quotes in Oregon
Jerry is a free app trusted by 11,825 Oregon drivers that compares insurance quotes from top carriers.
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Average Oregon car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $153 a month for state minimum and $382 a month for full coverage. But in Oregon, Jerry drivers pay:
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$82 to $156 per month for state-mandated minimum coverage.
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$153 to $280 per month for full coverage.
The best way to find a policy that fits a specific budget is to review quotes from at least three to five insurance companies. Over the last 12 months, Jerry has helped Oregonians save an average of $870 per year by finding and showing competitive coverage options side by side.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry helps you shop offers and lock in your Oregon car insurance in under 10 minutes. It’s free, entirely online and we never sell your info or flood your phone with calls. If you’d prefer to talk to a real person, you can connect with one of our licensed agents anytime.
Of course, what you’ll pay depends on a mix of details like your driving record, the car you drive and your ZIP code. Here are some full coverage rates that Jerry drivers in Oregon have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
One of the best ways to save on home insurance in Oregon is by bundling your car and home insurance. On average, Jerry homeowners save up to 40% by combining coverages.
But here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best car insurance rate with the best home insurance rate, even from different companies. This way, you’re not stuck overpaying on one policy just to get a bundle discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Oregon drivers are paying with Jerry
Comparing quotes from multiple insurance companies is the easiest way to find your best coverage. Whether you’re building a unique policy, matching your current coverage, or just choosing the cheapest car insurance in Oregon, shopping around helps you find the right fit.
Jerry helps you find quotes from up to 10 trusted insurers in the Beaver State, so you get the full picture of what’s available and how much you should be paying.
Here are some of the most recent quotes Jerry has been able to pull for Oregon drivers looking for different levels of coverage, and how much each one saved.
Recent quotes in Oregon
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Oregon car insurance coverage requirements
Oregon drivers are required to buy a combination of personal property and bodily injury liability, uninsured motorist coverage and personal injury protection (PIP). The minimum coverage requirements in this state are:
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Liability for bodily injury and property damage includes $25,000 per person, $50,000 per crash for injuries to others, and $20,000 per crash for damage to others’ property.
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Personal injury protection of $15,000 per person.
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Uninsured motorist coverage of $25,000 per person and $50,000 per crash for bodily injuries caused by an uninsured driver.
While this makes you legal to drive, it won’t protect you against many major accidents or damage to your own car. For better protection, many Jerry drivers increase their coverage limits and buy comprehensive and collision coverage. Considering nearly 15% of Oregon drivers are uninsured, it might also be a good choice to buy uninsured/underinsured motorist (UIM) protection.
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Coverage definitions
Factors affecting Oregon car insurance rates in 2026
Wet-road crashes and hydroplaning risk
Frequent rain means slick roads and longer stopping distances, which can translate into more fender benders, especially in stop-and-go traffic. Collision coverage is what typically pays to repair your vehicle after an accident.
Wildfire smoke, ash, and falling debris
Wildfire seasons can bring heavy smoke, low visibility, and debris risks, from falling branches to ash-related damage when storms roll through. Comprehensive coverage generally helps with non-collision damage like falling objects, while slowing down in smoky conditions can reduce crash exposure.
Theft and break-ins in higher-density areas
Portland and nearby areas can see elevated theft and break-in rates, which can influence premiums by ZIP code. Comprehensive coverage typically covers theft and vandalism, making it a key part of protection if you park outdoors regularly.
Uninsured drivers
Around 15% of Oregon drivers are uninsured. UM/UIM coverage helps protect you if the other driver can’t cover injuries or damage.
Mountain passes and sudden weather shifts
If you drive routes that cross higher elevations, conditions can change quickly with fog, ice, or heavy rain. Collision coverage matters more on these roads because crashes can be more severe and tow distances can be longer.
Rising repair costs and parts availability
Modern repairs are getting more expensive due to labor rates, replacement parts, and sensor calibration needs after a collision. Keeping deductibles at a level you can comfortably pay helps make sure your coverage is usable when a minor crash turns into a major bill.
Average cost of car insurance in major Oregon cities
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City
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Average monthly cost
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City
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Average monthly cost
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|---|---|
| $260 | |
| $225 | |
| $230 | |
| $163 | |
| $208 | |
| $263 | |
| $165 | |
| $155 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get Oregon quotes in as little as 2 minutes.
Learn more about driving in Oregon
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Everything you need to know about Oregon towing laws.
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How to get an Oregon temporary license plate.
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Learn how at-fault states affect your car insurance.
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Understand the 6 main types of car insurance coverage.
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Find out how much car insurance you need.
FAQ
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Is Oregon an at-fault insurance state?
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Does Oregon allow electronic proof of insurance?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.