Oregon
Auto and home insurance in Oregon
State auto minimums, homeowners premium averages, and city guides for Oregon households. A quote is not a binder.
63% of Oregon households own their home, the median owner-occupied home is valued at $477,600, and 64% of workers drive to work alone (ACS 2020–2024). That makes auto and homeowners coverage the two policies most Oregon families need. Below: the state's auto minimums, average homeowners premiums, local risks, and city guides.
Oregon auto insurance requirements
Oregon requires liability limits of at least 25/50/20 ($ thousands of bodily injury per person / per accident / property damage). Other required coverage: pIP $15,000; uninsured motorist 25/50. Most homeowners carry well above the minimum. Compare all ten states in our state minimums guide.
Average homeowners premiums in Oregon
The NAIC's 2023 average HO-3 premium in Oregon was $1,003, versus $1,737 countrywide. Averages climb with the amount of dwelling coverage.
| Dwelling coverage amount | Oregon average HO-3 premium (2023) | Countrywide average |
|---|---|---|
| Under $150,000 | $430 | $954 |
| $150,000–$199,999 | $676 | $1,192 |
| $200,000–$224,999 | $724 | $1,282 |
| $225,000–$249,999 | $764 | $1,297 |
| $250,000–$274,999 | $790 | $1,350 |
| $275,000–$299,999 | $816 | $1,414 |
| $300,000–$324,999 | $848 | $1,475 |
| $325,000–$349,999 | $879 | $1,492 |
| $350,000–$399,999 | $919 | $1,598 |
| $400,000–$449,999 | $994 | $1,679 |
| $450,000–$499,999 | $1,064 | $1,825 |
| $500,000–$599,999 | $1,157 | $1,973 |
| $600,000–$699,999 | $1,297 | $2,249 |
| $700,000–$999,999 | $1,716 | $2,916 |
| $1,000,000 and over | $2,506 | $4,314 |
| All amounts (state average) | $1,003 | $1,737 |
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Source: NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4. Report (PDF).
How Oregon drives
Statewide, 64% of workers drive alone, 8% carpool, and 19% work from home. 12% commute 45 minutes or more, and 24% of households have three or more vehicles. Mileage, garaging location, and the number of drivers and cars all feed into auto pricing.
What moves a Oregon auto and home quote
- Driving records and the number of drivers and vehicles.
- Mileage and garaging, including commute length.
- Rebuild cost and the age of the roof and home systems.
- Local losses, especially ice storms and wildfire smoke and fire seasons.
- Deductibles and limits on both policies.
- Claims history and other rating factors allowed in Oregon.
- Discounts such as multi-policy, multi-car, and protective devices.
City guides for Oregon
- Albany
- Beaverton
- Bend
- Corvallis
- Eugene
- Grants Pass
- Gresham
- Happy Valley
- Hillsboro
- Keizer
- Lake Oswego
- McMinnville
- Medford
- Oregon City
- Portland
- Redmond
- Salem
- Springfield
- Tigard
- Woodburn
Guides
- Bundling auto and home insurance
- Minimum auto insurance requirements in our ten states
- What full coverage auto insurance really means
- Homeowners insurance coverage explained
- Personal umbrella insurance over your auto and home
- How to lower your auto and home insurance premiums
More Oregon communities
We accept quote requests from anywhere in Oregon. Other cities and towns, listed by county:
- Baker County — Baker City; Haines; Halfway; Huntington; Richland; Sumpter; Unity
- Benton County — Adair Village; Monroe; Philomath
- Clackamas County — Barlow; Canby; Estacada; Gladstone; Johnson City; Milwaukie; Molalla; Rivergrove; Sandy; West Linn; Wilsonville
- Clatsop County — Astoria; Cannon Beach; Gearhart; Seaside; Warrenton
- Columbia County — Clatskanie; Columbia City; Prescott; Rainier; Scappoose; St. Helens; Vernonia
- Coos County — Bandon; Coos Bay; Coquille; Lakeside; Myrtle Point; North Bend; Powers
- Crook County — Prineville
- Curry County — Brookings; Gold Beach; Port Orford
- Deschutes County — La Pine; Sisters
- Douglas County — Canyonville; Drain; Elkton; Glendale; Myrtle Creek; Oakland; Reedsport; Riddle; Roseburg; Sutherlin; Winston; Yoncalla
- Gilliam County — Arlington; Condon; Lonerock
- Grant County — Canyon City; Dayville; Granite; John Day; Long Creek; Monument; Mount Vernon; Prairie City; Seneca
- Harney County — Burns; Hines
- Hood River County — Cascade Locks; Hood River
- Jackson County — Ashland; Butte Falls; Central Point; Eagle Point; Gold Hill; Jacksonville; Phoenix; Rogue River; Shady Cove; Talent
- Jefferson County — Culver; Madras; Metolius
- Josephine County — Cave Junction
- Klamath County — Bonanza; Chiloquin; Klamath Falls; Malin; Merrill
- Lake County — Lakeview; Paisley
- Lane County — Coburg; Cottage Grove; Creswell; Dunes City; Florence; Junction City; Lowell; Oakridge; Veneta; Westfir
- Lincoln County — Depoe Bay; Lincoln City; Newport; Siletz; Toledo; Waldport; Yachats
- Linn County — Brownsville; Halsey; Harrisburg; Lebanon; Lyons; Mill City; Millersburg; Scio; Sodaville; Sweet Home; Tangent; Waterloo
- Malheur County — Adrian; Jordan Valley; Nyssa; Ontario; Vale
- Marion County — Aumsville; Aurora; Detroit; Donald; Gates; Gervais; Hubbard; Idanha; Jefferson; Mount Angel; Scotts Mills; Silverton; St. Paul; Stayton; Sublimity; Turner
- Morrow County — Boardman; Heppner; Ione; Irrigon; Lexington
- Multnomah County — Fairview; Maywood Park; Troutdale; Wood Village
- Polk County — Dallas; Falls City; Independence; Monmouth
- Sherman County — Grass Valley; Moro; Rufus; Wasco
- Tillamook County — Bay City; Garibaldi; Manzanita; Nehalem; Rockaway Beach; Tillamook; Wheeler
- Umatilla County — Adams; Athena; Echo; Helix; Hermiston; Milton-Freewater; Pendleton; Pilot Rock; Stanfield; Ukiah; Umatilla; Weston
- Union County — Cove; Elgin; Imbler; Island City; La Grande; North Powder; Summerville; Union
- Wallowa County — Enterprise; Joseph; Lostine; Wallowa
- Wasco County — Antelope; Dufur; Maupin; Mosier; Shaniko; The Dalles
- Washington County — Banks; Cornelius; Durham; Forest Grove; Gaston; King City; North Plains; Sherwood; Tualatin
- Wheeler County — Fossil; Mitchell; Spray
- Yamhill County — Amity; Carlton; Dayton; Dundee; Lafayette; Newberg; Sheridan; Willamina; Yamhill
Auto and home insurance in Oregon: FAQ
What is the minimum car insurance in Oregon?
Liability of 25/50/20. Other required coverage: pIP $15,000; uninsured motorist 25/50.
What is the average homeowners premium in Oregon?
The NAIC reported a 2023 Oregon HO-3 average of $1,003, 10th highest of the ten states we cover; the countrywide average was $1,737.
Can I bundle auto and home in Oregon?
Yes, most insurers that write both offer a multi-policy discount. Compare the bundle with separate quotes.
Who regulates insurance in Oregon?
The Oregon Division of Financial Regulation licenses insurers, handles complaints, and publishes consumer guides.
Sources
- NAIC, Compulsory Motor Vehicle Insurance model law chart (state statutes), reviewed against state insurance department guidance
- NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4
- U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B08303, B25044, B25003, B25077, B25035), via Census Reporter
- U.S. Census Bureau Vintage 2024 city population estimates
- Oregon Division of Financial Regulation
Last updated October 15, 2026 · How we research