Oregon vs Tennessee Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Tennessee is $40/yr cheaper on average.

Fewer Uninsured

Oregon has a lower uninsured rate (8.4% vs 16.7%).

Rate & Coverage Comparison

Attribute	Oregon	Tennessee
Avg Annual Premium	$1,680	$1,640
Min Liability	$550	$540
Full Coverage	$1,680	$1,640
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	8.4%	16.7%
Registered Vehicles	3,475,160	5,666,200
Accidents/Year	52,127	84,993
Population	4,238,000	6,910,000

Minimum Coverage Requirements

Oregon

25/50 / 20 liability

Tennessee

25/50 / 15 liability

Premium Comparison

Oregon$550 – $1,680

Liability: $550Avg: $1,680Full: $1,680

Tennessee$540 – $1,640

Liability: $540Avg: $1,640Full: $1,640

OregonFull rates, age breakdown, requirements →TennesseeFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Oregon or Tennessee?

Tennessee has cheaper car insurance, with an average annual premium of $1,640 compared to $1,680 in Oregon - a difference of $40 per year.

How do Oregon and Tennessee compare on fault systems?

Oregon uses a at-fault (tort) system while Tennessee uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in Oregon vs Tennessee?

Oregon requires 25/50 / 20 liability. Tennessee requires 25/50 / 15 liability. Minimum liability costs $550/yr in Oregon and $540/yr in Tennessee.

Which state has more uninsured drivers, Oregon or Tennessee?

Tennessee has a higher uninsured driver rate at 16.7%, compared to 8.4% in Oregon. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Oregon vs Tennessee insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Oregon

Tennessee

Avg Annual Premium

$1,680

$1,640

Min Liability

$550

$540

Full Coverage

$1,680

$1,640

Fault System

At-Fault (Tort)

Uninsured Rate

8.4%

16.7%

Registered Vehicles

3,475,160

5,666,200

Accidents/Year

52,127

84,993

Population

4,238,000

6,910,000