The Best Homeowners Insurance in Oregon [2023]


Find a top-ranked Homeowners Insurance Agency in your area

Located in the Pacific Northwest region of the United States, Oregon offers its 4.2 million residents much more than just lush forests, a rocky coastline and unique wildlife. While cost of living in Oregon is amongst the highest of U.S. states, no sales tax, a booming economy and diverse natural scenery entice people from all backgrounds to settle down in one of the Beaver State's 200+ cities. 

While Oregon has much more to offer residents, it's important to know how best to protect your home and belongings from the state's natural disasters. 

If you own a home or are thinking of buying in Oregon, it’s important to compare homeowners insurance rates and find the coverage that works best for you. 

We at have analyzed a handful of insurance companies. We’ll uncover everything to know about homeowners insurance in Oregon, and help you find the most comprehensive, cheapest coverage to suit your needs.

Average Cost of Homeowners Insurance in Oregon

According to, the average cost of homeowners insurance in Oregon is $​​1,608 a year. This amount can vary for Oregon residents depending on the type of coverage you need, building cost in your area and where your home is located. 

The cost of homeowners insurance in Oregon can differ vastly based on a few key factors:

  • The age of your home: Is your Oregon home an older home that is at risk of more structural wear and tear?

  • The square footage of your home: How big is your home? In general, larger homes will cost more to insure.

  • The materials used to build your home: Was your Oregon home built using materials prone to things like rotting or structural damage?

  • Building costs in your area: Because insurance deals with repairs and replacement, coverage increases with increased building costs.

  • The location in which you live: What are crime rates like? How close are you to a fire department? How close are you to water or the coastline?

  • Any additional features: Does your house have a swimming pool or hot tub that could pose a potential risk to guests? Do you have pets, and if so, what are their breeds? Surprisingly, insurers will look at these things when assessing prices.

  • Your deductible: A higher deductible will decrease your premium, but could cost you more if you file a claim. Talk to your insurance provider about diminishing deductibles to get the best plan that suits your payment needs.

Oregon Homeowners Insurance Rates by City

Like most large states, the cost of your homeowners insurance policy can vary greatly depending on where you live in the state.

Below is a breakdown of the average annual rate by zip code. For ease, we've also included the city or cities each zip code resides in. 

Zip Code


Average Annual Rate


Creston and Riverside








Ontario, Ontario Heights, Annex and Cairo


Drewsey, Van and Frost Mill


Juntura and Beulah





The Best Homeowners Insurance in Oregon

After extensive research, we at found the following insurance agencies to provide the best, comprehensive coverage in Oregon:

State Farm logo

State Farm

Average Annual Rate: ~ $700

Notes: Best for local offices and agents

Allstate logo


Average Annual Rate: ~ $900

Notes: Good for extended coverage plans

American Family Insurance

American Family

Average Annual Rate: ~ $800

Notes: Best for bundles and discounts

Farmers logo


Average Annual Rate: ~ $600

Notes: Best for customizable coverage

USAA logo


Average Annual Rate: ~ $800

Notes: A great option for active-duty military members

Cheapest Homeowners Insurance in Oregon

The cheapest homeowners insurance coverage in Oregon is Farmers. The company’s average annual premium for Oregon residents is $600 per year which is 37% less than the typical price in Oregon overall.

It’s important to remember that prices vary depending on each person’s unique scenario, but if cost is the most important variable for you, check Farmer's coverage options first. 

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Find Cheap Homeowners Insurance in Your Area


Below, we tackle some common questions to help you make a more informed decision about which Oregon home insurance to choose specifically.

How to Reduce Homeowners Insurance Costs in Oregon

As we’ve pointed out, the price you pay for homeowners insurance can vary substantially across insurers. 

Here are a few ways to reduce costs:

  • Increase your deductible. This will help reduce monthly costs to your insurer, but it may mean paying more out of pocket should you need to make a claim. Similarly, paying your 6-month or 1-year premium in full will drive down monthly costs.

  • Bundle policies. Bundling your home and auto insurance can help you save 5–15% on your premiums. Talk to your insurance provider about home and car insurance bundling options and how that helps you save.

  • Take the necessary steps to make your home disaster-resistant. Some examples include:

    • Install a smoke detector and/or fire alarm.

    • Get a burglar alarm and/or dead-bolt locks.

    • Install a sprinkler system.

  • Nix the high-risk accessories. Similar to the above point, rid your home of things that are considered “high risk.” For example, did the kids go off to college? Time to throw out that trampoline that’s sitting in the backyard.

  • Seek out other discounts. Some things to look into:

    • Do you work from home? Insurance providers may feel you’re less prone to theft or may spot a fire or flood sooner.

    • Are you retired? You may qualify for a discount. 

    • Does your employer offer a group deal?

    • Even something as simple as choosing paperless billing can help you save!

  • Keep good credit. Some agencies will look at your credit history and charge less for those with good financial strength and standings.

As always, consult your insurance agent to see which of the above discounts you qualify for.

Oregon Insurance Options In Your City

At, our goal is to connect Oregon residents with the best local experts and agencies, so you can find the home insurance policy that safely insures your home and most prized possessions. 

View our list of the 13 best homeowners insurance companies in Oregon here

Learn more about the best homeowners insurance options in your respective Oregon cities below:

Our methodology evaluates each provider based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.