Full-coverage average sourced from
Insurify (2026-06). Minimum-coverage figure and the estimator adjustments are estimates — see
methodology.
The one thing that sets Oregon apart
PIP required; wildfire risk now factored into comprehensive.
Minimum vs. full coverage in Oregon
What each coverage level costs on the Oregon average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $640 | $53 |
| Liability Only | $1,030 | $86 |
| Full | $1,880 | $157 |
| Full Low Deductible | $2,290 | $191 |
Minimum coverage saves about $1,236/yr vs full — but caps protection at 25/50/20. One at-fault crash above those limits and the gap is yours.
Oregon car insurance FAQ
- What's the minimum car insurance required in Oregon?
- Oregon's state minimum is 25/50/20 — $25k bodily injury per person, $50k per accident, $20k property damage. Minimum-only runs about $640/yr but leaves you exposed above those caps.
- How much is full coverage in Oregon?
- Representative full coverage averages $1,876/yr (about $156/mo), ranking Oregon #23 of 51 states for cost.
- Why is Oregon car insurance priced the way it is?
- PIP required; wildfire risk now factored into comprehensive.