Car Insurance for Age 36-45 in Oregon

Average auto insurance rates for 36-45 year old drivers in Oregon (OR), including male vs female rate comparison.

Avg Annual Rate

$1,680

$46 below national avg

Male Rate

$1,714/yr

Female Rate

$1,646/yr

Cost Rank

#29

of 51 states

Male vs Female Rates — Age 36-45 in Oregon

Gender	Annual	Monthly	vs Average
Male	$1,714	$143	+$34
Female	$1,646	$137	$-34
Average	$1,680	$140	—

Male drivers aged 36-45 pay $68 more per year in Oregon.

All Age Groups in Oregon

Age Group	Average	Male	Female
16-19	$4,536	$5,124	$3,948
20-25	$3,024	$3,360	$2,688
26-35	$1,848	$1,932	$1,764
36-45 ←	$1,680	$1,714	$1,646
46-55	$1,596	$1,630	$1,562
56-65	$1,546	$1,579	$1,512
65+	$1,764	$1,814	$1,714

Most & Least Expensive States for Age 36-45

Most Expensive

#1	Michigan	$2,700
#2	Louisiana	$2,600
#3	Florida	$2,500
#4	New York	$2,320
#5	Kentucky	$2,200
#6	Colorado	$2,100
#7	Georgia	$2,100
#8	California	$2,070
#9	Nevada	$2,070
#10	Oklahoma	$2,030

Least Expensive

#51	Maine	$900
#50	Vermont	$1,000
#49	New Hampshire	$1,050
#48	Idaho	$1,100
#47	Hawaii	$1,270
#46	Wisconsin	$1,280
#45	Ohio	$1,290
#44	North Carolina	$1,350
#43	Iowa	$1,350
#42	North Dakota	$1,360

Oregon Insurance Overview

State Avg Premium

$1,680/yr

Fault System

At-Fault (Tort)

Uninsured Rate

8.4%

📊

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

How much does car insurance cost for age 36-45 in Oregon?

The average annual car insurance premium for 36-45 year olds in Oregon is $1,680 (about $140/month). This is $46 below the national average of $1,726 for this age group.

Do males or females pay more for car insurance at age 36-45 in Oregon?

In Oregon, male drivers aged 36-45 pay more — $1,714/yr for males vs $1,646/yr for females, a difference of $68 per year.

How does Oregon rank for age 36-45 insurance costs?

Oregon ranks #29 out of 51 states for car insurance costs for 36-45 year olds (most expensive first). The cheapest state for this age group is Maine at $900/yr, while Michigan is the most expensive at $2,700/yr.

Why is car insurance cheaper for age 36-45 in Oregon?

Insurance rates for 36-45 year olds in Oregon are influenced by the state's at-fault (tort) system, local accident rates (52,127/yr), uninsured driver rate (8.4%), and population density. Oregon has 3,475,160 registered vehicles.

How can 36-45 year olds save on car insurance in Oregon?

36-45 year olds in Oregon can save by: comparing quotes from multiple insurers (GEICO is often the cheapest), maintaining a clean driving record, taking defensive driving courses, bundling policies, and asking about age-specific or good student discounts. Higher deductibles can also lower premiums.

Age 36-45 Rates in Other States

Michigan Louisiana Florida New York Kentucky Colorado Georgia California Nevada Oklahoma South Carolina New Jersey Texas Rhode Island Delaware Alabama Arizona Maryland Arkansas District of Columbia All Ages in Oregon→

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