How much is insurance per month in Oregon?
On average, Oregon drivers pay $118 per month for a full coverage car insurance policy and $51 per month for minimum coverage. However, these are just average rates.
| Cheapest Full Coverage Insurance: Oregon | Estimated Monthly Cost | Estimated Annual Cost |
|---|---|---|
| USAA | $117 | $1,403 |
| Country Financial | $123 | $1,481 |
| Geico | $130 | $1,558 |
| Oregon Mutual Insurance | $137 | $1,644 |
| Metal Level | Average Monthly Premium* |
|---|---|
| Bronze | $459 |
| Silver | $606 |
| Gold | $671 |
According to data from Quadrant Information Services, the average cost of full-coverage car insurance in Oregon is $1,334 per year or about $111 per month. Oregon's average cost of minimum-coverage car insurance is $736 per year or about $61 per month.
Is $200 a lot for car insurance? If paid on a monthly basis, $200 is a lot to pay for car insurance.
Car insurance in Orgeon is expensive because the state minimum insurance requirements are higher than most, including personal injury protection and uninsured motorist coverage. In Oregon, you can expect to pay approximately $3,519 per year for full coverage car insurance or $1,522 per year for minimum coverage.
The Oregon Health Plan (OHP) is free health coverage from the State of Oregon. People who meet income and other requirements can get the Oregon Health Plan. OHP covers medical, dental, and mental health care. It also covers help with addictions.
| Household Size* | Maximum Income Level (Per Year) |
|---|---|
| 1 | $20,030 |
| 2 | $27,186 |
| 3 | $34,341 |
| 4 | $41,496 |
| Average Premiums in Oregon | 2018 | 2021 |
|---|---|---|
| Most affordable Bronze plan | $303 | $318 |
| Most affordable Silver plan | $406 | $426 |
| Most affordable Gold plan | $439 | $458 |
In 2021, the average annual health insurance premium for individuals in Oregon was $7,418; for a family it was $20,916. Additionally, the cost of deductibles for individual plans rose 84 percent between 2013 and 2021; for family plans it rose 34 percent. Oregonians in one income bracket fared worse than others.
Who has the cheapest car insurance?
USAA, Nationwide, Travelers, Erie, Geico and Progressive are the cheapest car insurance companies nationwide, according to our analysis.
California vs. Oregon car insurance — average prices. You should expect to pay less for auto insurance once you relocate. The average annual auto insurance rate in Oregon is $439 cheaper than the average expense in California.
Leif Olson, Car Insurance Writer
Yes, $300 a month for car insurance is expensive. The average cost of car insurance ranges from about $60 per month for state-minimum coverage to $166 per month for full coverage, though individual car insurance rates vary based on factors such as driving record, age and location.
The average cost of full coverage car insurance is $1,982 per year, or about $165 per month, while minimum coverage costs an average of $549 per year, or around $46 per month, according to NerdWallet's 2024 rate analysis.
If you're the most average of average people and you paid for the average coverage from all four insurance types, your average insurance cost per month would be about $810 for all of them. But we know not everybody's average. As we've shown, your situation will impact how much insurance costs you.
Your car insurance may be expensive because of your driving history, location, vehicle or credit history. Recent insurance claims and violations can increase your rates for three to five years.
In Oregon, driving without insurance is illegal and is likely to lead to undesirable outcomes. There are several penalties the state may impose on you, including fines and license suspension.
Oregon Is a "Fault" Car Accident State
This means that the person who was at fault for causing the car accident is also responsible for any resulting harm (from a practical standpoint, the at-fault driver's insurance carrier will absorb these losses, up to policy limits).
State Farm has the cheapest average car insurance rates in Oregon, according to our research. Its average annual rate is $844. That's hundreds of dollars cheaper than the statewide average rate for car insurance of $1,281 per year. Allstate has the highest sample average rate in our analysis at $1,776 per year.
The DMV will suspend your license for one year, and you will be required to buy insurance to get your license back, and you will need to get a “SR-22 Certificate” from your insurance company (for an extra fee) and file it with the DMV as proof that you have insurance.
Do I qualify for OHP if I'm pregnant?
OHP covers pregnant members for their full pregnancy (and at least 60 days after the baby's birth), and often provides extra benefits.
OHP is Open to All Children and Teens Younger than 19
Live in families that earn up to 305% of the federal poverty level.
To be eligible for medical assistance, people must be residents of Oregon. They must be currently living in Oregon and intend to remain in the state. There is no requirement that they must have been in Oregon or intend to remain in the state for a minimum amount of time.
| 2024 Oregon Medicaid Long-Term Care Eligibility for Seniors | ||
|---|---|---|
| Type of Medicaid | Single | |
| Income Limit | Asset Limit | |
| Institutional / Nursing Home Medicaid | $2,829 / month* | $2,000 |
| Medicaid Waivers / Home and Community Based Services | $2,829 / month† | $2,000 |
Our study found that OHP nondisabled adults appear to enjoy access equal or better than that of low-income adults with private health insurance and far greater access than the uninsured. Much of the enhanced access under OHP results from the expansion of eligibility to all Oregonians under 100 percent of FPL.
