Oregon Auto Insurance Rates
Median premium: $934/6mo across 10 carriers and 481 ZIP codes.
Premiums range from $639 to $2,568 — a 4x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$934
per 6 months
ZIP Codes
481
with rate data
Carriers
10
rated in OR
Price Spread
4x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | USAA | $601 | 481 ZIPs | 100% | |
| 2 | American Family | $803 | 0 ZIPs | 0% | |
| 3 | Progressive | $808 | 0 ZIPs | 0% | |
| 4 | Farmers | $846 | 0 ZIPs | 0% | |
| 5 | Nationwide | $930 | 0 ZIPs | 0% | |
| 6 | State Farm | $938 | 0 ZIPs | 0% | |
| 7 | Travelers | $947 | 0 ZIPs | 0% | |
| 8 | Liberty Mutual | $972 | 0 ZIPs | 0% | |
| 9 | GEICO | $1,039 | 0 ZIPs | 0% | |
| 10 | Allstate | $1,099 | 0 ZIPs | 0% |
1
$601USAA#1 in 481 ZIPs (100%)
2
$803American Family#1 in 0 ZIPs (0%)
3
$808Progressive#1 in 0 ZIPs (0%)
4
$846Farmers#1 in 0 ZIPs (0%)
5
$930Nationwide#1 in 0 ZIPs (0%)
6
$938State Farm#1 in 0 ZIPs (0%)
7
$947Travelers#1 in 0 ZIPs (0%)
8
$972Liberty Mutual#1 in 0 ZIPs (0%)
9
$1,039GEICO#1 in 0 ZIPs (0%)
10
$1,099Allstate#1 in 0 ZIPs (0%)
Geographic Insights
Cheapest Cities in Oregon
| City | Avg Median | ZIPs |
|---|---|---|
| Fields | $639 | 1 |
| Burns | $639 | 1 |
| Princeton | $639 | 1 |
| Diamond | $639 | 1 |
| Crane | $639 | 1 |
Most Expensive Cities in Oregon
| City | Avg Median | ZIPs |
|---|---|---|
| Troutdale | $1,905 | 1 |
| Gresham | $1,905 | 2 |
| Fairview | $1,905 | 1 |
| Sublimity | $1,586 | 1 |
| Stayton | $1,586 | 1 |
ZIP Code Extremes
Most Expensive ZIP
$2,181/6mo
97292 (Portland)
Cheapest ZIP
$639/6mo
97710 (Fields)
4x
Price Spread
The most expensive ZIP in Oregon costs 4x more than the cheapest. Your ZIP code matters more than you think.
Oregon Auto Insurance FAQ
ZIP Code Lookup
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All carriers in Oregon
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Access ZIP-level rate data across all 10 carriers, 481 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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