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Car insurance cost in Oregon
Quick answers
How much is car insurance in Oregon?
In 2024, the average Oregon driver paid $1,269.34 per car for car insurance (NAIC, released September 2026). That ranks 23rd of 51, where number 1 costs the most. The US average was $1,431.63.
How much is full coverage car insurance in Oregon?
The 2024 full coverage average in Oregon (liability, collision and comprehensive together) was $1,374.74. That ranks 30th of 51.
Is car insurance in Oregon going up?
From 2023 to 2024, the Oregon average went up 8.41%. Since 2020 it has gone up 33.37%. Across the US, car insurance prices in September 2026 were 5.0% lower than in September 2025 (BLS price index, whole country).
Last verified Nov 11, 2026. BLS price data checked Nov 11, 2026. NAIC state averages (2024 data, released September 2026) checked Oct 24, 2026.
Across the US, car insurance prices in September 2026 were 5.0% lower than in September 2025.
This is the newest government price count (BLS) with a 12-month change. It is for the whole country, not one state. BLS published no 12-month change for October 2026 because it did not publish an October 2025 index, so September 2026 is the latest month with one.
Newest official numbers (from 2024, released September 2026)
In Oregon, the average driver paid $1,269.34 per car for car insurance in 2024. That ranks 23rd of 51. Number 1 costs the most.
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See the summary, charts and tables
Summary
According to NAIC, the average expenditure per insured vehicle in Oregon for 2024 is $1,269.34. This represents an increase of 8.41% from 2023 and a 33.37% increase from 2020, when the cost was $951.77. The average expenditure for 2024 is $1,431.63 for the US countrywide. Oregon ranks 23 of 51 in average expenditure for 2024.
The combined average premium in Oregon for 2024 is $1,374.74, which is rank 30 of 51. The US countrywide combined average premium is $1,612.81. In Oregon, the 2024 average premium by coverage includes liability at $803.76, collision at $384.67, and comprehensive at $186.31.
Oregon vs US, 2020 to 2024
| Year | Avg expenditure | Rank | Combined avg premium | Liability | Collision |
|---|---|---|---|---|---|
| 2024 | $1,269.34 | 23rd | $1,374.74 | $803.76 | $384.67 |
| 2023 | $1,170.85 | 20th | $1,268.81 | $751.08 | $352.43 |
| 2022 | $1,005.66 | 24th | $1,087.61 | $670.07 | $291.89 |
| 2021 | $947.01 | 24th | $1,024.45 | $643.35 | $269.64 |
| 2020 | $951.77 | 23rd | $1,030.37 | $655.08 | $266.70 |
2024 average premium by coverage
| Coverage | Oregon 2024 | Change vs 2023 | US 2024 |
|---|---|---|---|
| Comprehensive | $186.31 | +12.70% | $283.15 |
| Collision | $384.67 | +9.15% | $516.39 |
| Liability | $803.76 | +7.01% | $813.27 |
Average expenditure is total liability, collision and comprehensive premium divided by insured car-years, so it reflects that not every driver buys collision or comprehensive. Combined average premium adds the three coverage averages, so it is closer to the cost of a full-coverage policy.
What changed in 2026
NAIC data stop at 2024. Nationally, the BLS Consumer Price Index for motor vehicle insurance was -5.0% from a year earlier in September 2026 (index 846.102, not seasonally adjusted). In October 2026 the index was 854.597, +0.7% from the month before (seasonally adjusted). BLS published no 12-month change for October 2026 because it did not publish an October 2025 index, so September 2026 is the latest month with one. See car insurance rates in 2026 for the monthly trend.
Be careful when you compare states. Each state has different coverage, limits, deductibles, drivers and laws.
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