Gresham, OR
Gresham, OR car and homeowners insurance
Commute, vehicle, and housing data for Gresham, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Gresham has about 111,507 residents in Multnomah County. 67% of its workers drive to work alone and 56% of households own their home, so most families here need both a car policy and a homeowners policy.
Cars, commutes, and households in Gresham
| Measure | Gresham | Oregon |
|---|---|---|
| Drive alone to work | 67% | 64% |
| Carpool | 12% | 8% |
| Work from home | 13% | 19% |
| Commute of 45 minutes or more | 15% | 12% |
| Commute under 15 minutes | 26% | 32% |
| Households with no vehicle | 9% | 7% |
| Households with 3 or more vehicles | 24% | 24% |
Data: Census Bureau ACS 2020–2024 five-year estimates (commuting and vehicles available).
Gresham commutes are longer than the Oregon norm, with 15% of workers driving 45-plus minutes. If your commute is short or you mostly work from home, ask about low-mileage or usage-based pricing.
Fewer Gresham workers telecommute (13%) than the state average, which means more cars on the road at rush hour.
Vehicle counts vary: 24% of households in Gresham have at least three vehicles (Oregon: 24%). A multi-car policy, combined with homeowners, often earns the biggest stack of discounts.
Owning a home in Gresham
The median owner-occupied home in Gresham is valued at $458,700, and half of the city's homes were built before 1981. The Oregon median value is $477,600. Your dwelling limit should match rebuild cost, which can differ from market value.
NAIC data for 2023 show Oregon HO-3 policyholders with $450,000–$499,999 of dwelling coverage paying an average of $1,064; the all-amounts state average was $1,003.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Legal minimums on the road in Gresham
The state minimum is 25/50/20. Additional requirement: pIP $15,000; uninsured motorist 25/50. See our state minimums guide for how these compare across our ten states.
One insurer or two for a Gresham household
Most Gresham homeowners also own at least one car, which makes a multi-policy discount worth checking. Ask whether one storm that damages both car and house would trigger a single deductible.
What can go wrong in Gresham
Around Gresham, two exposures stand out: ice storms and wet winter driving. Flood is excluded from both standard auto liability and homeowners policies unless you buy comprehensive (for the car) and a separate flood policy (for the house).
See FEMA's National Risk Index for local hazard scores.
Gresham compared with nearby cities
Portland shows 29% working from home and a median home value of $581,500. Salem shows 16% working from home and a median home value of $416,900. Eugene shows 17% working from home and a median home value of $460,400. Gresham ranks 3rd for long commutes among the 20 Oregon cities we profile.
Gresham quote checklist
- Your Gresham address, square footage, and year built
- Current declarations pages for auto and home
- Recent claims or violations
- Target limits and deductibles
- Commute distance and typical yearly miles
- Vehicle year, make, model, and VIN
Questions from Gresham drivers and homeowners
What auto insurance is required in Gresham?
Oregon requires liability of 25/50/20; pIP $15,000; uninsured motorist 25/50.
Do Gresham drivers have long commutes?
About 15% of Gresham workers commute 45 minutes or more and 26% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Gresham?
Prices depend on the home and coverage. The NAIC's 2023 Oregon HO-3 average was $1,003; see the Oregon page.
Other city guides near Gresham
Auto and home insurance in Oregon
Last updated October 15, 2026 · How we research