Oregon Auto Insurance
Rates & Coverage Report
Real policy data from our Oregon clients — compare rates by county, see coverage mix across Salem, Portland, Eugene, and rural Oregon, and understand what drives premium differences across the state.
Oregon Summary
This Oregon report is built from 24 sold policies in our agency records during 2024–2025, covering 7 counties from the Willamette Valley through the coast and southern Oregon. Our strongest presence is in Marion County (Salem area), which accounts for 14 of 24 policies and provides the most statistically meaningful county-level data.
The average monthly premium across Oregon is $215.39, with a low of $72.25 and a high of $443.50. Oregon’s coverage mix is more balanced than many of our other state datasets — nearly equal splits between full coverage and liability-only, with a smaller slice of non-owners. Oregon is a tort state without mandatory PIP, which generally keeps liability-only premiums more accessible than no-fault states like Michigan or New York.
The wide premium range in Marion County (239% spread) is driven by the diversity of driver profiles in the Salem market — from clean-record full coverage customers to drivers with violations or SR-22 requirements. Rural counties like Lane and Linn show noticeably lower averages, consistent with lower traffic density and claim frequency outside the Willamette Valley corridor.
Carrier Distribution
Carriers from our Oregon dataset. Additional carriers available depending on driver profile and underwriting eligibility.
| Insurance Company | Policies | Share |
|---|---|---|
| Progressive | 17 | 70.8% |
| Dairyland | 4 | 16.7% |
| National General | 3 | 12.5% |
Oregon Snapshot
Key rate benchmarks from our 2024–2025 Oregon policy data.
A 514% spread from floor to ceiling — driven by coverage type, driver violations, and geography. Marion County’s urban Salem market has the widest internal spread, while rural Lane County (Eugene area) shows much more compressed pricing.
Real monthly premiums from sold policies — not public filings or industry estimates. Marion County’s 14 policies provide the most reliable county-level signal in this dataset.
- Highest average county premium: Marion County ($251.97/mo, Salem area) — 14 policies, widest internal spread (239%), diverse risk profiles.
- Second highest: Polk County ($245.72/mo) — Salem’s western neighbor, similar risk environment.
- Lowest average county premium: Lane County ($75.81/mo, Eugene area) — 2 policies, both liability-only with clean profiles.
- Largest within-county spread (2+ policies): Marion County (239% — $130.83 to $443.50).
- Top county by policy volume: Marion County (14 of 24 Oregon policies).
- Portland note: Multnomah County (Portland) shows only 2 policies at $172.51 average — not representative of Portland’s full rate range, which skews higher due to density and theft rates.
County Pricing
All 7 Oregon counties in our dataset. Marion County has the strongest data depth; other counties are directional.
| County | Policies | Avg / Month | Low | High |
|---|---|---|---|---|
| Marion County | 14 | $251.97 | $130.83 | $443.50 |
| Polk County | 3 | $245.72 | $139.33 | $322.16 |
| Multnomah County | 2 | $172.51 | $151.58 | $193.44 |
| Josephine County | 1 | $189.83 | $189.83 | $189.83 |
| Crook County | 1 | $118.18 | $118.18 | $118.18 |
| Linn County | 1 | $100.00 | $100.00 | $100.00 |
| Lane County | 2 | $75.81 | $72.25 | $79.36 |
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