Average home insurance cost in Oregon
Oregon sits comfortably in the affordable half of the country at #11 of 51, about 32% below the national average — roughly $785 a year cheaper than the typical American homeowner pays.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare home insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.
How Oregon compares with its neighbors
| State | Annual premium | Difference vs OR |
|---|---|---|
| Oregon | $1,705 | — |
| Washington | $1,880 | +$175/yr |
| California | $1,820 | +$115/yr |
| Idaho | $2,195 | +$490/yr |
| Nevada | $1,635 | −$70/yr |
Oregon home insurance FAQ
How much is homeowners insurance in Oregon?
Home insurance in Oregon averages $1,705 per year — about $142 per month — for a benchmark policy with $400,000 in dwelling coverage, $300,000 liability and a $1,000 deductible. Your rate depends on your home's age, construction, location and claim history.
Is home insurance in Oregon more expensive than average?
No. Oregon's average of $1,705/year is about 32% below the U.S. average of $2,490/year, ranking #11 of 51 (1 = cheapest).
How can I lower my home insurance bill in Oregon?
The four moves that reliably work: compare quotes from at least three carriers (the biggest lever — gaps of $1,000+ per year for identical coverage are common), raise your deductible to an amount you could cover in an emergency, bundle home and auto with one carrier for a 10–25% discount, and ask about discounts for wind-resistant roofing, monitored security systems and claim-free history.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare home insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.