Oregon
- ~$50–$65
- ~$130–$160
- $25K/$50K/$20K
Oregon’s car insurance rates are moderately high due to urban congestion in Portland and challenging weather conditions. The state uses a fault-based liability insurance system with mandatory coverage requirements.
Find a local Auto Insurance agents in your town:
Oregon Auto Insurance Facts *
Drivers
- ~3.5–3.7 million licensed drivers as of 2023.
- ~91% household vehicle ownership.
- Wide use of sedans and SUVs.
- Uninsured motorist rate near 12%.
- Relatively high use of public transportation in urban centers.
Accidents
| Year | Reported Crashes | Injury Crashes | Fatal Crashes |
|---|---|---|---|
| 2018 | ~24,000 | ~7,000 | 260 |
| 2019 | ~25,000 | ~7,200 | 270 |
| 2020 | ~22,000 | ~6,400 | 250 |
| 2021 | ~23,500 | ~6,700 | 265 |
| 2022 | ~24,500 | ~6,900 | 275 |
Laws & Regulations
- Fault-based liability system.
- Proof of insurance required at registration.
