⚡ Oregon Insurance Cost Calculator
Quick estimate for Oregon residents. Get instant results based on your property details.
Oregon Insurance Overview
| Coverage Type | Average Annual Premium | Notes |
|---|---|---|
| Home Insurance | $1,150 | State average |
| Auto Insurance | $1,550 | State average |
| Flood Insurance (NFIP est.) | $950 | Moderate Risk |
Oregon Auto Insurance Requirements
The minimum auto insurance liability requirements in Oregon are:
Flood Risk in Oregon
Flood risk level: Moderate
While Oregon has moderate-to-low flood risk, flooding can happen anywhere. Standard homeowners insurance does NOT cover flood damage — a separate flood policy is needed.
Regulatory Authority
The insurance regulator in Oregon is:
Earthquake and wildfire risk. No-fault auto repeal pending legislative action.
More Insurance Calculators
More Financial Calculators
Oregon Insurance FAQ
The average cost of home insurance in Oregon is $1,150 per year ($96/month). Rates vary based on your home's value, location, age, and your credit score. Use our calculator above to get a personalized estimate.
Yes. Oregon requires all drivers to carry at least 25/50/20 in liability insurance. Driving without insurance can result in fines, license suspension, and vehicle impoundment.
Flood insurance is not mandatory for most homeowners in Oregon, but it's still recommended. Standard homeowners insurance does NOT cover flood damage, and floods can happen anywhere — not just in high-risk zones.
📎 You Might Also Need
Based on your state guide, you may also want to estimate these insurance costs: