Key Takeaways
- Mutual of Enumclaw has the cheapest average home insurance rate in Oregon, at $41 a month.
- Oregon's average home insurance rate is 35% cheaper than the national average.
- American Family has the highest J.D. Power customer satisfaction score of the top insurers that serve Oregon.
In this article
Oregon's cheapest home insurance companies
Mutual of Enumclaw has the cheapest average rate for homeowners insurance in Oregon, with a monthly rate of $41. Nationwide has the second-cheapest rate, $70 a month.
| Company | Average monthly rate |
|---|---|
| Mutual of Enumclaw | $41 |
| Nationwide | $70 |
| Travelers | $79 |
| State Farm | $84 |
| Allstate | $122 |
| Country Mutual | $124 |
| Farmers | $150 |
| American Family | $155 |
| USAA | $103 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
How much does home insurance cost in Oregon?
The average cost of home insurance in Oregon is $103 a month. This is 35% cheaper than the national average home insurance rate of $159 a month.
When home insurance companies calculate a quote for you, they look at many different factors, including:
- The age of your home
- Your ZIP code
- Materials used for construction
- Your marital status
- Your insurance claim history
When looking for a standard home insurance policy, you'll notice that most companies tend to offer similar coverage options. The reason why there's such a range of prices for relatively similar coverage is that insurers weigh claim risks differently.;
For example, one provider may consider the location of your home a higher risk than another company, leading to a different premium. To get the best coverage for your best price, compare home insurance quotes from multiple providers.
Your deductible also affects how much you pay for home insurance. If you choose a high deductible, you pay a cheaper rate. The table below shows how the average home insurance rate in Oregon changes with different deductibles.
| Deductible | Average annual rate |
|---|---|
| $500 | $1,329 |
| $1,000 | $1,239 |
| $1,500 | $1,185 |
| $2,000 | $1,130 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
The amount of dwelling coverage you choose for your home insurance policy also affects your premium. You want to purchase enough dwelling coverage to rebuild your home in the event of a total loss. The table below shows average rates in Oregon based on different dwelling coverage limits.
| Dwelling coverage limit | Average annual rate |
|---|---|
| $200,000 | $1,035 |
| $350,000 | $1,465 |
| $425,000 | $1,729 |
| $500,000 | $2,015 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
See how much you could save with a new home insurance policy
Oregon's best home insurance companies
We found Mutual of Enumclaw, Nationwide and Travelers to be the best homeowners insurance providers in Oregon. Here's why:
Mutual of Enumclaw: Best local provider
Of the biggest home insurance companies in Oregon we reviewed, Mutual of Enumclaw has the cheapest rate at $41 a month. This is less than half of the state average rate of $103 a month.;
Mutual of Enumclaw has been providing insurance to the Pacific Northwest for over 120 years and understands the specific needs of homeowners in the region. If you're looking for the cheapest home insurance rates from a provider practically in your backyard, Mutual of Enumclaw is an excellent choice.
Nationwide: Best discounts
On top of a low average premium of $70 a month, Nationwide offers many home insurance discounts to bring your rate even lower. Its discount options include:
- Multi-policy discount: Bundle your home and auto insurance policies with Nationwide and save money on both policies.
- Home purchase discount: If you bought your home within the last 12 months, you can get a lower rate.
- Claims-free discount: If you have no claims on your insurance record, it can land you a discount.
- Roof rating discount: You can save money based on your roof's age and surface type.
Travelers: Best for eco-friendly homes
Travelers offers the third-cheapest home insurance in Oregon, with an average cost of $79 a month. Also, if you have a green home or are planning to renovate to go green, Travelers offers many benefits that can help you save money in the process. These perks include:
- Up to $25,000 toward covered debris recycling.
- Up to $10,000 to certify a green home after rebuilding.
- A discount if your home has a Leadership in Energy and Environmental Design (LEED) certification.
- Reimbursement of up to $1,000 toward certification or recertification after filing a claim to meet current green certification requirements.
Customer service ratings for home insurance companies in Oregon
Of the top homeowners insurance companies in Oregon, American Family has the highest customer service rating of 842.;
While USAA technically has a higher customer service rating, it is not ranked in J.D. Power's 2022 U.S. Home Insurance Study because it only offers homeowners insurance to military members and their families.
| Company | Overall satisfaction score |
|---|---|
| Allstate | 815 |
| American Family | 842 |
| Country Mutual | NA |
| Farmers | 792 |
| Mutual of Enumclaw | NA |
| Nationwide | 816 |
| State Farm | 829 |
| Travelers | NA |
| USAA* | 884 |
| Source: J.D. Power 2022 U.S. Home Insurance Study. *USAA is not rank eligible because it does not meet study award criteria. | |
J.D. Power's customer service rankings are based on customer satisfaction with an insurer's interaction, policy offerings, price, billing process, policy information and claims processes.
Homeowners insurance company complaint ratings
Travelers has the lowest National Association of Insurance Commissioners (NAIC) Complaint Index rating at 0.02 among Oregon's top home insurance providers. American Family comes in second at 0.16.
| Company | Complaint Index |
|---|---|
| Allstate | 0.33 |
| American Family | 0.16 |
| Country Mutual | NA |
| Farmers | 0.3 |
| Mutual of Enumclaw | NA |
| Nationwide | NA |
| State Farm | 0.35 |
| Travelers | 0.02 |
| USAA | 0.31 |
| National Association of Insurance Commissioners (2023) | |
The NAIC Complaint Index rates policyholders' claim-based complaints filed with state insurance departments in comparison to other insurers of similar size.
Find cheap home insurance wherever you live in Oregon
Cheapest home insurance in Oregon by city
Of the 10 biggest cities in Oregon, Corvallis has the most affordable homeowners insurance rate, at an average $1,186 a year. Bend has the highest average rate, $1,443 a year.
| City | Average annual rate |
|---|---|
| Corvallis | $1,186 |
| Eugene | $1,223 |
| Hillsboro | $1,242 |
| Beaverton | $1,256 |
| Springfield | $1,257 |
| Portland | $1,291 |
| Gresham | $1,291 |
| Salem | $1,310 |
| Medford | $1,338 |
| Bend | $1,443 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance in Corvallis
Mutual of Enumclaw has the lowest homeowners insurance rate in Corvallis, averaging $536 a year. Farm Bureau is second-cheapest, at $771 a year.
| Company | Average annual rate |
|---|---|
| Mutual of Enumclaw | $536 |
| Nationwide | $771 |
| State Farm | $994 |
| Travelers | $1,050 |
| USAA | $1,059 |
| Country Mutual | $1,348 |
| Allstate | $1,545 |
| American Family | $1,650 |
| Farmers | $1,723 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance in Eugene
Mutual of Enumclaw has the lowest rate for homeowners insurance in Eugene, at an average of $494 a year. Nationwide is second-cheapest, at $684 a year.
| Company | Average annual rate |
|---|---|
| Mutual of Enumclaw | $494 |
| Nationwide | $684 |
| State Farm | $1,010 |
| Travelers | $1,029 |
| USAA | $1,055 |
| Allstate | $1,355 |
| Country Mutual | $1,649 |
| Farmers | $1,731 |
| American Family | $1,995 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance in Hillsboro
Mutual of Enumclaw has the cheapest homeowners insurance in Eugene, with an average rate of $525 a year. Nationwide is next, $689 a year.
| Company | Average annual rate |
|---|---|
| Mutual of Enumclaw | $525 |
| Nationwide | $689 |
| State Farm | $970 |
| USAA | $1,003 |
| Travelers | $1,010 |
| Allstate | $1,294 |
| Country Mutual | $1,701 |
| American Family | $1,937 |
| Farmers | $2,046 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest home insurance in Oregon by county
Of the 10 largest counties in Oregon, Washington County has the most affordable average homeowners insurance rate of $1,256 a year. Deschutes County is the most expensive, at $1,492 a year.
| County | Average annual rate |
|---|---|
| Washington | $1,256 |
| Yamhill | $1,283 |
| Multnomah | $1,295 |
| Lane | $1,308 |
| Linn | $1,328 |
| Marion | $1,331 |
| Clackamas | $1,332 |
| Douglas | $1,372 |
| Jackson | $1,419 |
| Deschutes | $1,492 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Frequently asked questions
Oregon homeowners insurance costs an average $103 a month. This is 35% cheaper than the national average.
Mutual of Enumclaw has the cheapest home insurance rate in Oregon, with an average of $41 a month.
Methodology
We collected quotes from every ZIP code in Oregon for a standard HO-3 homeowners insurance policy using the following coverages:
- $275,000 dwelling (unless otherwise noted)
- $27,500 other structures
- $137,500 personal property
- $55,000 loss of use
- $100,000 liability
- $5,000 medical payments
- $1,000 deductible (unless otherwise noted)
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