Best Oregon Homeowners Insurance for 2026
State Farm, American Family and Farmers are our picks for Oregon home insurance
Advertising Disclosures
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- State Farm is the best home insurer in Oregon, offering low rates, quality customer service and a suite of coverage customization options.
- On average, homeowners pay $1,518 per year for coverage in the Beaver State.
- In general, homeowners insurance doesn’t cover flood damage, so those in flood-prone areas would need a separate flood policy to get that type of protection.
- Homeowners who are having trouble finding conventional insurance coverage may qualify for coverage via the state’s Fair Plan.
Best homeowners insurance in Oregon
Finding the best homeowners insurance depends not just on where you live, but on what coverage options you need, how much you want to pay and what you value in an insurer, among other factors.
Best overall homeowners insurance in Oregon : State Farm
Average annual rate: $983
Why we chose it: State Farm is generally the cheapest insurer for Oregon homeowners. But it’s also highly rated across factors like financial strength, coverage and usability (thanks to online bill pay and quotes).
Who it’s best for: State Farm is best for homeowners looking for solid coverage and convenience, without sacrificing savings.
PROS
- Low rates
- Solid discount opportunities
- Lots of options to customize coverages
CONS
- No personal injury coverage
- No coverage for rental properties
Best for customer service : American Family
Average annual rate: $1,711
Why we chose it: American Family earns high marks for customer service.
Who it’s best for: American Family is best for homeowners who highly value an insurer’s track record for covering claims.
PROS
- Excellent customer service ratings
- Solid coverages
CONS
- No water backup and sump coverage
- No personal injury coverage
Best for discounts : Farmers
Average annual rate: $1,847
Why we chose it: Farmers offers a wide range of discounts for qualified homeowners, paving the way to savings. It also offers solid coverage and customer service.
Who it’s best for: Farmers is best for homeowners looking for opportunities to save money on a policy with solid customization options.
PROS
- Lots of discounts
- Water backup and sump coverage
CONS
- Other insurers offer lower rates
- No personal injury coverage
Compare home insurance rates and ratings in Oregon
| Company | Average annual rate * | LendingTree rating | Complaint rating* | |
|---|---|---|---|---|
| State Farm | $983 |  4/5 | 1.35 |
 | Grange | $1,007 |  3/5 | 0.56 |
 | Allstate | $1,479 | 4/5 | 1.18 |
 | Mutual of Enumclaw | $1,484 | N/A | 0.16 |
 | California Casualty | $1,552 |  2.5/5 | N/A |
 | Nationwide | $1,568 |  3.5/5 | 1.21 |
| American Family | $1,711 | 4/5 | 0.36 |
| Farmers | $1,847 | 3.5/5 | 0.71 |
In Oregon, rates can vary significantly between insurers — comparing multiple options can help you find better pricing and coverage.
LendingTree analyzed thousands of quotes from top insurers across Oregon to identify the best options for homeowners.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in the state.
See full methodology.
How much is homeowners insurance in Oregon?
The average cost of home insurance in Oregon is $1,518 per year, or $126.50 per month.
That’s well below the national average ($219 per month). Despite this, the state (as well as the nation) has seen significant rate increases over the past five years.
Average home insurance rates by dwelling coverage amount
Homeowners insurance rates depend on several factors, including the company you go with and the amount of dwelling coverage you need.
| Company | $300,000 | $400,000 | $550,000 | $750,000 |
|---|---|---|---|---|
| State Farm | $846 | $983 | $1,170 | $1,398 |
| Allstate | $1,195 | $1,479 | $1,599 | $2,167 |
| Farmers | $1,397 | $1,847 | $2,937 | $3,824 |
| American Family | $1,400 | $1,711 | $2,151 | $2,680 |
| State average | $1,223 | $1,518 | $1,978 | $2,560 |
Home insurance rates in Oregon by city
Interestingly, the three cities in Oregon with the lowest average home insurance premiums are Corvallis, Monroe and Eugene. Those cities are clustered along Highway 5, toward the middle of the Western part of the state. In those areas, average home insurance rates range from $1,354 to $1,375 per year.
On the other hand, the three most expensive locations were more dispersed in both location and cost. For instance, the third-most-expensive city, Meacham, is located in the northeast corner of the state and has average annual rates of $2,379. Meanwhile, the most expensive city, Mosier (less than two hours east of Portland), had average annual rates of $2,595.
| City | Average rate |
|---|---|
| Adams | $1,728 |
| Adel | $1,901 |
| Adrian | $1,728 |
| Agness | $1,727 |
| Albany | $1,433 |
| Allegany | $1,560 |
| Aloha | $1,432 |
| Alsea | $1,422 |
| Altamont | $1,627 |
| Alvadore | $1,437 |
| Amity | $1,498 |
| Antelope | $1,822 |
| Arch Cape | $1,641 |
| Arlington | $1,768 |
| Arock | $1,709 |
| Ashland | $1,614 |
| Ashwood | $2,082 |
| Astoria | $1,542 |
| Aumsville | $1,492 |
| Aurora | $1,407 |
| Azalea | $1,708 |
| Baker City | $1,706 |
| Bandon | $1,487 |
| Banks | $1,509 |
| Barview | $1,510 |
| Bates | $2,248 |
| Bay City | $1,537 |
| Bayside Gardens | $1,578 |
| Beatty | $1,805 |
| Beaver | $1,542 |
| Beavercreek | $1,544 |
| Beaverton | $1,429 |
| Bend | $1,742 |
| Bethany | $1,412 |
| Blachly | $1,522 |
| Black Butte Ranch | $2,151 |
| Blodgett | $1,447 |
| Blue River | $1,713 |
| Bly | $1,828 |
| Boardman | $1,696 |
| Bonanza | $1,762 |
| Boring | $1,535 |
| Bridal Veil | $1,629 |
| Bridgeport | $1,680 |
| Brightwood | $1,612 |
| Broadbent | $1,530 |
| Brogan | $1,856 |
| Brookings | $1,630 |
| Brothers | $1,778 |
| Brownsville | $1,476 |
| Bunker Hill | $1,469 |
| Burns | $1,779 |
| Butte Falls | $1,806 |
| Buxton | $1,568 |
| Camas Valley | $1,508 |
| Camp Sherman | $2,302 |
| Canby | $1,395 |
| Cannon Beach | $1,580 |
| Canyon City | $1,899 |
| Canyonville | $1,612 |
| Carlton | $1,441 |
| Cascade Locks | $1,839 |
| Cascadia | $1,551 |
| Cave Junction | $1,893 |
| Cedar Hills | $1,432 |
| Cedar Mill | $1,407 |
| Central Point | $1,513 |
| Chemult | $1,843 |
| Chenoweth | $1,898 |
| Cheshire | $1,482 |
| Christmas Valley | $1,789 |
| Clackamas | $1,512 |
| Cloverdale | $1,534 |
| Coburg | $1,391 |
| Columbia City | $1,541 |
| Coos Bay | $1,477 |
| Coquille | $1,512 |
| Cornelius | $1,397 |
| Corvallis | $1,354 |
| Cottage Grove | $1,445 |
| Cove | $1,737 |
| Crabtree | $1,511 |
| Crane | $1,906 |
| Crater Lake | $1,818 |
| Crawfordsville | $1,504 |
| Crescent | $1,717 |
| Creswell | $1,422 |
| Dairy | $1,660 |
| Dale | $1,759 |
| Dallas | $1,437 |
| Damascus | $1,516 |
| Days Creek | $1,637 |
| Dayton | $1,408 |
| Dayville | $1,851 |
| Deadwood | $1,496 |
| Deer Island | $1,527 |
| Depoe Bay | $1,505 |
| Deschutes River Woods | $1,750 |
| Detroit | $1,899 |
| Dexter | $1,483 |
| Diamond Lake | $1,843 |
| Dillard | $1,483 |
| Donald | $1,466 |
| Dorena | $1,617 |
| Drain | $1,468 |
| Drewsey | $1,998 |
| Dundee | $1,476 |
| Dunes City | $1,464 |
| Durkee | $1,823 |
| Eagle Creek | $1,495 |
| Eagle Crest | $1,759 |
| Eagle Point | $1,532 |
| Echo | $1,619 |
| Elgin | $1,741 |
| Elkton | $1,486 |
| Elmira | $1,486 |
| Enterprise | $1,838 |
| Estacada | $1,573 |
| Eugene | $1,375 |
| Fairview | $1,472 |
| Fall Creek | $1,494 |
| Falls City | $1,477 |
| Fields | $1,814 |
| Florence | $1,472 |
| Forest Grove | $1,385 |
| Fort Klamath | $1,683 |
| Fort Rock | $1,850 |
| Foster | $1,513 |
| Four Corners | $1,491 |
| Fox | $2,058 |
| Frenchglen | $1,762 |
| Gales Creek | $1,444 |
| Garden Home-Whitford | $1,426 |
| Gardiner | $1,449 |
| Garibaldi | $1,517 |
| Gaston | $1,480 |
| Gates | $1,664 |
| Gearhart | $1,548 |
| Gervais | $1,440 |
| Gilchrist | $1,737 |
| Gladstone | $1,519 |
| Glasgow | $1,507 |
| Glendale | $1,843 |
| Gleneden Beach | $1,481 |
| Glide | $1,602 |
| Gold Beach | $1,687 |
| Gold Hill | $1,784 |
| Government Camp | $1,713 |
| Grand Ronde | $1,517 |
| Granite | $1,824 |
| Grants Pass | $1,579 |
| Grass Valley | $1,883 |
| Green | $1,440 |
| Greenhorn | $1,824 |
| Greenleaf | $1,496 |
| Gresham | $1,485 |
| Haines | $1,706 |
| Halsey | $1,455 |
| Hammond | $1,565 |
| Happy Valley | $1,435 |
| Harbor | $1,579 |
| Harper | $1,871 |
| Harrisburg | $1,470 |
| Hayesville | $1,417 |
| Hebo | $1,515 |
| Helix | $1,665 |
| Hereford | $1,997 |
| Hermiston | $1,680 |
| Hillsboro | $1,423 |
| Hines | $1,785 |
| Hood River | $1,692 |
| Hubbard | $1,459 |
| Idanha | $2,170 |
| Idleyld Park | $1,941 |
| Imbler | $1,715 |
| Imnaha | $2,222 |
| Independence | $1,410 |
| Ione | $1,701 |
| Ironside | $1,937 |
| Irrigon | $1,727 |
| Jacksonville | $1,725 |
| Jamieson | $1,750 |
| Jeffers Gardens | $1,554 |
| Jefferson | $1,398 |
| John Day | $1,818 |
| Junction City | $1,427 |
| Juntura | $1,902 |
| Keizer | $1,448 |
| Keno | $1,734 |
| Kent | $1,820 |
| Kerby | $1,912 |
| Kimberly | $2,074 |
| King City | $1,426 |
| Klamath Falls | $1,732 |
| La Grande | $1,686 |
| La Pine | $1,990 |
| Lafayette | $1,483 |
| Lake Oswego | $1,400 |
| Lakeside | $1,503 |
| Lakeview | $1,689 |
| Langlois | $1,560 |
| Lebanon | $1,404 |
| Lexington | $1,716 |
| Lincoln Beach | $1,494 |
| Lincoln City | $1,485 |
| Logsden | $1,536 |
| Long Creek | $2,058 |
| Lookingglass | $1,458 |
| Lorane | $1,505 |
| Lostine | $1,881 |
| Lowell | $1,481 |
| Lyons | $1,514 |
| Madras | $1,855 |
| Manning | $1,472 |
| Manzanita | $1,583 |
| Mapleton | $1,493 |
| Marion | $1,465 |
| Marylhurst | $1,446 |
| Maupin | $2,355 |
| Maywood Park | $1,441 |
| McMinnville | $1,500 |
| Meacham | $2,379 |
| Medford | $1,506 |
| Mehama | $1,499 |
| Melrose | $1,448 |
| Merlin | $1,783 |
| Metolius | $1,843 |
| Midland | $1,598 |
| Mikkalo | $1,768 |
| Mill City | $1,552 |
| Millersburg | $1,460 |
| Milton-Freewater | $1,769 |
| Milwaukie | $1,475 |
| Mission | $1,812 |
| Mitchell | $2,214 |
| Molalla | $1,407 |
| Monmouth | $1,426 |
| Monroe | $1,375 |
| Monument | $2,072 |
| Moro | $1,823 |
| Mosier | $2,595 |
| Mount Angel | $1,447 |
| Mount Hood Parkdale | $1,928 |
| Mount Vernon | $1,993 |
| Mulino | $1,518 |
| Murphy | $1,706 |
| Myrtle Creek | $1,514 |
| Myrtle Point | $1,480 |
| Neotsu | $1,528 |
| Netarts | $1,503 |
| New Hope | $1,574 |
| New Pine Creek | $1,917 |
| Newberg | $1,454 |
| Newport | $1,492 |
| North Bend | $1,492 |
| North Plains | $1,504 |
| North Powder | $1,805 |
| Noti | $1,521 |
| Nyssa | $1,764 |
| O Brien | $1,999 |
| Oak Grove | $1,509 |
| Oak Hills | $1,408 |
| Oakland | $1,446 |
| Oakridge | $1,821 |
| Oceanside | $1,544 |
| Odell | $1,728 |
| Ontario | $1,782 |
| Ophir | $1,682 |
| Oregon City | $1,516 |
| Otis | $1,493 |
| Otter Rock | $1,526 |
| Oxbow | $1,862 |
| Pacific City | $1,517 |
| Paisley | $1,728 |
| Paulina | $1,754 |
| Pendleton | $1,747 |
| Philomath | $1,378 |
| Phoenix | $1,511 |
| Plush | $1,895 |
| Port Orford | $1,565 |
| Portland | $1,419 |
| Post | $1,887 |
| Princeton | $1,832 |
| Prineville | $1,624 |
| Prospect | $1,969 |
| Rainier | $1,548 |
| Raleigh Hills | $1,428 |
| Redmond | $1,683 |
| Redwood | $1,561 |
| Reedsport | $1,429 |
| Rhododendron | $1,617 |
| Richland | $1,933 |
| Rickreall | $1,443 |
| Riddle | $1,545 |
| Riley | $1,757 |
| Ritter | $2,058 |
| Riverside | $1,785 |
| Rockaway Beach | $1,534 |
| Rockcreek | $1,410 |
| Rogue River | $1,727 |
| Roseburg | $1,447 |
| Roseburg North | $1,518 |
| Rufus | $1,824 |
| Salem | $1,473 |
| Sandy | $1,575 |
| Scappoose | $1,495 |
| Scio | $1,427 |
| Scotts Mills | $1,504 |
| Scottsburg | $1,437 |
| Seal Rock | $1,501 |
| Seaside | $1,568 |
| Selma | $1,857 |
| Seneca | $2,161 |
| Shady Cove | $1,786 |
| Shaniko | $1,862 |
| Shedd | $1,451 |
| Sheridan | $1,517 |
| Sherwood | $1,435 |
| Silver Lake | $1,722 |
| Silverton | $1,460 |
| Sisters | $2,083 |
| Sixes | $1,603 |
| South Beach | $1,484 |
| Sprague River | $1,746 |
| Spray | $1,933 |
| Springfield | $1,452 |
| St. Benedict | $1,531 |
| St. Helens | $1,531 |
| St. Paul | $1,442 |
| Stafford | $1,469 |
| Stanfield | $1,645 |
| Stayton | $1,459 |
| Sublimity | $1,504 |
| Summer Lake | $1,801 |
| Summerville | $1,724 |
| Sumpter | $1,824 |
| Sunriver | $1,979 |
| Sutherlin | $1,449 |
| Sweet Home | $1,483 |
| Swisshome | $1,534 |
| Talent | $1,659 |
| Tangent | $1,437 |
| Tenmile | $1,481 |
| Terrebonne | $1,916 |
| The Dalles | $1,880 |
| Tidewater | $1,475 |
| Tigard | $1,430 |
| Tillamook | $1,504 |
| Tiller | $2,402 |
| Timber | $1,517 |
| Timberline Lodge | $1,713 |
| Toledo | $1,509 |
| Tolovana Park | $1,587 |
| Trail | $1,832 |
| Tri-City | $1,536 |
| Troutdale | $1,522 |
| Tualatin | $1,413 |
| Turner | $1,465 |
| Tygh Valley | $2,008 |
| Ukiah | $1,759 |
| Umatilla | $1,688 |
| Umpqua | $1,514 |
| Union | $1,694 |
| Unity | $2,064 |
| Vale | $1,774 |
| Veneta | $1,458 |
| Vernonia | $1,615 |
| Vida | $1,576 |
| Waldport | $1,475 |
| Walterville | $1,541 |
| Walton | $1,762 |
| Warm Springs | $2,076 |
| Warren | $1,494 |
| Warrenton | $1,560 |
| Waterloo | $1,420 |
| Wedderburn | $1,652 |
| Welches | $1,620 |
| West Haven-Sylvan | $1,424 |
| West Linn | $1,470 |
| West Slope | $1,426 |
| Westfall | $1,850 |
| Westfir | $1,773 |
| Westlake | $1,552 |
| Wheeler | $1,504 |
| White City | $1,549 |
| Wilbur | $1,483 |
| Wilderville | $2,048 |
| Willamina | $1,597 |
| Williams | $1,655 |
| Wilsonville | $1,388 |
| Winchester | $1,489 |
| Winston | $1,465 |
| Wolf Creek | $1,906 |
| Wood Village | $1,531 |
| Woodburn | $1,413 |
| Yachats | $1,494 |
| Yamhill | $1,437 |
| Yoncalla | $1,449 |
Current state of homeowners insurance in Oregon
Compared to other West Coast states, Oregon is the most affordable place for homeowners insurance. For example, while Californians and Washingtonians pay an average of $1,574 and $1,756 per year, respectively, Oregonians pay $1,518 per year. That’s still well below the national average of $2,628 per year.
However, that doesn’t mean Oregonian homeowners haven’t felt the sting of rising insurance costs. In fact, while the country has seen home insurance rates rise 47.9% from 2021 to 2025, Oregon homeowners saw a 54.43% increase during that time. The biggest rise came in 2023, when rates shot up by 16.67%.
How to compare homeowners insurance in Oregon
When comparing your home insurance options, your rate isn’t the only important factor to consider. It’s also important to look at:
-
Coverage limits:
Make sure your home is fully covered for complete protection. -
Deductibles:
Higher deductibles can lower premiums, but it’s also important to keep your deductible affordable if you need to file a claim. -
Exclusions:
Understanding what isn’t covered (like floods) is just as important as checking what is covered when choosing a policy. -
Add-ons:
You may consider extra coverage if you have high-value items that may not be fully covered with a typical homeowners policy.
Another option, if you own one or more vehicles, is bundling your home and auto insurance. You may be able to find significant discounts for doing so.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits your home, location and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
Your homeowners insurance rate will depend on factors like how much coverage you need and which insurer you choose. For reference, a $400,000 policy costs an average of $126.50 per month.
No, Oregon state law doesn’t require homeowners to buy insurance for their property. However, if you take out a mortgage, your lender will likely require you to have coverage.
If you’re having trouble finding coverage from a traditional insurer due to your home being located in an area with a high risk of wildfires, you might consider the Oregon Fair Plan. That’s designed to offer homeowners coverage in that situation.
Methodology
How we chose the best homeowners insurance in Oregon
The rates shown in this article are based on an analysis of non-binding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every Oregon ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
How we create LendingTree ratings
Our team of insurance experts evaluates insurance companies across several categories, including average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores show how well companies treat customers over things like claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
See our home insurance ratings methodology and full editorial guidelines for further details.