🏠 Home insurance cost in Oregon (2026)
The estimated average is $1,265 per year — below the national average (-45% vs. the U.S. average of $2,300).
Oregon is home to about 4.2 million people, and home insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Portland typically differ from smaller towns.
Estimate your home insurance in Oregon
Oregon home insurance estimator
Starts from the Oregon average. Estimate only — get quotes to confirm.
Home insurance cost in Oregon cities
Oregon home insurance FAQ
How much is home insurance in Oregon?
The estimated average home insurance in Oregon is $1,265 per year, which is below the national average (-45% vs. the U.S. average of $2,300). Oregon ranks 49 of 51 states from most to least expensive.
Why is home insurance cheaper in Oregon?
Home insurance pricing in Oregon reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the West.
How can I save on home insurance in Oregon?
Compare at least three quotes from insurers active in Oregon, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.