Average Homeowners Insurance in Oregon: $450
Median Home Price in Oregon: $249,900
Oregon homeowners insurance rates in December 2013 stood at an average of $450 as compared to $470 in November 2013.
Bundling home and car insurance in Oregon with the same provider will have approximately $45 to $68 of savings in Oregon
Having safety systems at home can save up to $79 in Oregon
If your home was built within the past 10 years in Oregon, you could save up to $90
Senior citizens (55 or older) in Oregon could save approximately $90
| Insurance range | Average homeowners insurance cost($) |
|---|---|
| $49,999 and Under | 283 |
| $50,000 to $74,999 | 310 |
| $75,000 to $99,999 | 358 |
| $100,000 to $124,999 | 391 |
| $125,000 to $149,999 | 416 |
| $150,000 to $174,999 | 442 |
| $175,000 to $199,999 | 470 |
| $200,000 to $299,999 | 534 |
| $300,000 to $399,999 | 651 |
| $400,000 to $499,999 | 799 |
| $500,000 and Over | 1,223 |
| Insurance range | Average renters insurance cost($) |
|---|---|
| $13,999 and Under | 139 |
| $14,000 to $19,999 | 139 |
| $20,000 to $25,999 | 144 |
| $26,000 to $31,999 | 153 |
| $32,000 to $37,999 | 143 |
| $38,000 to $43,999 | 171 |
| $44,000 to $49,999 | 169 |
| $50,000 to $74,999 | 201 |
| $75,000 to $99,999 | 255 |
| $100,000 and Over | 357 |
| County | Home Insurance Cost |
|---|---|
| Multnomah County | $387 to $523 |
| Baker County | $368 to $499 |
| Tillamook County | $380 to $515 |
| Clatsop County | $383 to $520 |
| Lake County | $363 to $498 |
| Benton County | $386 to $522 |
| Deschutes County | $386 to $522 |
| Polk County | $379 to $513 |
| Morrow County | $362 to $490 |
| Yamhill County | $380 to $515 |
| Harney County | $362 to $492 |
| Curry County | $382 to $522 |
| Clackamas County | $392 to $531 |
| Crook County | $374 to $510 |
| Columbia County | $378 to $512 |
| Klamath County | $369 to $499 |
| Douglas County | $372 to $503 |
| Jefferson County | $369 to $502 |
| Coos County | $373 to $506 |
| Josephine County | $380 to $514 |
| Gilliam County | $361 to $492 |
| Washington County | $389 to $526 |
| Wasco County | $372 to $505 |
| Lane County | $380 to $512 |
| Sherman County | $364 to $497 |
| Union County | $368 to $498 |
| Marion County | $375 to $508 |
| Jackson County | $381 to $517 |
| Wallowa County | $373 to $507 |
| Umatilla County | $366 to $496 |
| Grant County | $364 to $495 |
| Malheur County | $365 to $496 |
| Wheeler County | $360 to $491 |
| Lincoln County | $380 to $517 |
| Linn County | $371 to $503 |
| Hood River County | $390 to $534 |
Oregon is known for it’s breathtaking scenery and luscious forests. However, the main reason for all that green grass — lots and lots of rain — can also spell danger for homes. If you live in one of the major population centers on the western side of the state, your home could be invaded by mold and even be susceptible to water damage from backed up drains. And when all that vegetation dries out in the summer, wildfires can run rampant. In fact, Oregon ranked 5th in the nation in 2015 with 685,809 acres destroyed by wildfires.
All that being said, Oregon’s homeowner insurance rates are quite reasonably priced, coming in at just $568 – only half the national average of $1,096. The main reason is that, despite the many wildfires, less than 10 percent of the state’s homeowners claims are due to major catastrophes. Losses that lead to claims are usually isolated events that didn’t affect hundreds or thousands of residents at the same time.
From rich farmland to high desert, Oregon has it all. This means a homeowners policy (and its price) in Bend will probably look a whole lot different than one in Portland. That’s why you need to get a quote for yourself, and you can use the tool below to get started.
View all home insurance agents in oregon
Get quotes from more then one provider, compare and save more!