Oregon auto insurance averages - $1,170.31 per year in 2023, ranked #20 of 51 states. NAIC Auto Insurance Database (June 2025 release).
Oregon's 2019-2023 expenditure path rose on this NAIC series; averages reflect purchased coverage mix, not a binder price.
| Year | Avg Expenditure | Liability Avg |
|---|---|---|
| 2023 Latest | $1,170.31 ▲16.4% | $751 |
| 2022 | $1,005.65 ▲6.2% | $670 |
| 2021 | $947.01 ▼0.5% | $643 |
| 2020 | $951.77 ▼3.9% | $655 |
| 2019 | $990.24 | $686 |
Evidence lead: Year-by-year shape
Oregon's strongest visible signal here is its 2019-2023 expenditure path. The cards below separate that change from level, annual shape, component mix, and registry coverage - descriptive only, not a quote.
Year-by-year shape
Oregon has 2 declining annual steps and 2 rising steps in the four comparisons. The latest change is +16.4% from 2022 to 2023; the largest absolute step is +16.4% in 2023. The endpoint result should therefore be read as an uneven sequence, not a steady trend.
Coverage-component signature
Oregon's most distinctive 2023 component is comprehensive: $165.24, or 33.6% below the 51-jurisdiction average of $249.02. This compares like-for-like component averages across jurisdictions. It does not treat liability, collision, and comprehensive as additive parts of average expenditure.
2023 cost position
Oregon sits at #20 of 51 with $1,170.31 in average expenditure. It is outside the top-ten extreme but remains in the upper portion of the 2023 distribution. The measure reflects the coverage mix actually purchased in the state, so it should be read as a market benchmark rather than a price prediction.
Five-year movement
Oregon's +18.2% endpoint change ranks #26 of 51. Its five-year movement is neither in the fastest nor slowest cohort in this release. This percentile-like position compares the same 2019 and 2023 expenditure fields for every jurisdiction rather than mixing carrier quotes or incompatible policy profiles.
Moderate registry context
In the linked NAIC-derived registry, Oregon has 5,569 complaints distributed across 44 companies. The two coverage ranks are #36 and #36 of 51, a middle-lower footprint. Read those denominators with the complaint profile itself; neither count is a normalized complaint rate or evidence about why average auto expenditure moved.
Nearest expenditure peers. By average expenditure, Oregon's closest peers in this dataset are Utah ($1,168.98) and Missouri ($1,154.92), both within a few dollars of Oregon's own $1,170.31.
Note on state comparisons: These averages reflect the mix of coverages purchased in Oregon, not what any individual consumer pays. Your personal premium depends on your driving record, vehicle, coverage limits, deductible, credit score (where permitted), and insurer.
Read our methodology - how this data is sourced, computed, and verified.
