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Oregon Insurance Guide
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Insurance in Oregon
Find comprehensive insurance information for Oregon (OR) residents. From health coverage to auto and home insurance, we’ll help you understand your options in the West region.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Quick Facts
| State | Oregon (OR) |
| Region | West |
| Population | ~4.2M residents |
| Health Marketplace | Healthcare.gov |
| Insurance Regulator | Oregon Department of Insurance |
Health Insurance in Oregon
Oregon residents can find health coverage through:
- Healthcare.gov - The official health insurance marketplace
- Employer-sponsored insurance - Coverage through your workplace
- Medicaid - For eligible low-income residents
- Medicare - For residents 65 and older
Auto Insurance in Oregon
Oregon has specific requirements for auto insurance coverage. Learn about minimum liability requirements, optional coverages, and how to find the best rates.
Homeowners Insurance in Oregon
Protect your home with coverage tailored to Oregon’s specific risks and requirements.
Life Insurance in Oregon
Find life insurance options available to Oregon residents to protect your family’s financial future.
How Oregon Compares
Understanding how Oregon stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | Oregon | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $1,134 | $1,935 | -41% (below average) |
| Health Insurance (monthly) | $467 | $477 | -2% (below average) |
| Home Insurance (annual) | $1,089 | $2,377 | -54% (well below average) |
| Uninsured Rate | 6.7% | 9.5% | -29% (better than average) |
Key Insights
- Homeowners insurance is among the most affordable in the country at #6.
Related Resources
- What Insurance Do I Need? - Coverage Quiz - Find out which coverage types match your situation
- Insurance Coverage Checklist - Review your coverage and identify gaps
- Insurance Costs by State - Compare costs across all 50 states
- Insurance Glossary - Understand common insurance terms
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- Oregon Division of Financial Regulation (opens in new tab) - State insurance regulator, file complaints, verify licenses
- Healthcare.gov - Oregon (opens in new tab) - Federal health insurance marketplace for Oregon
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any Oregon address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- Oregon Division of Financial Regulation
- Phone
- 503-378-4140
- Website
- Visit Official Website
Frequently Asked Questions
What is the minimum auto insurance required in Oregon?
Oregon requires minimum liability coverage of 25/50/20: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 for property damage. Personal Injury Protection (PIP) of $15,000 is also required, and Uninsured Motorist coverage at 25/50.
How do I get health insurance in Oregon?
Oregon uses the federal marketplace at Healthcare.gov. Open enrollment runs November through January. Oregon expanded Medicaid (Oregon Health Plan), providing coverage for adults with incomes up to 138% of the federal poverty level.
Does Oregon homeowners insurance cover wildfire damage?
Yes, standard homeowners insurance covers fire damage including wildfires. However, homes in high-risk wildfire areas may face higher premiums, coverage restrictions, or difficulty finding coverage. Creating defensible space and fire-resistant features can help.
Is earthquake insurance available in Oregon?
Yes, earthquake insurance is available as a separate policy or endorsement. Oregon sits in the Cascadia Subduction Zone with significant earthquake risk. Standard homeowners insurance does not cover earthquake damage, so separate coverage is strongly recommended.
What is the average cost of car insurance in Oregon?
Oregon drivers pay approximately $1,100-$1,300 per year for full coverage auto insurance, which is below the national average. Portland metro area has higher rates than rural Oregon.
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[oregon] Insurance Types
Compare insurance options available to [oregon] residents. Requirements and costs vary - learn what coverage you need.
Neighboring State Guides
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