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Are you looking for the Best Homeowners Insurance in Oregon? You're in luck. We have analyzed quotes from all the major insurance providers and compiled a list of the best homeowners insurance companies.

According to Insurance.com's analysis, AIG is the best homeowners insurance company in Oregon. Also, J.D Power awarded 830 scores to AIG out of 1000.

While USAA gets 882 out of 1000 from J.D. Power, USAA has also earned A++ ratings from A.M Best.

There are many different companies to choose from, and most insurers offer similar coverage at different rates. This guide will compare the homeowners insurance companies in Oregon, giving you some insight into what each offers and how much it would cost you to insure your home.

KEY TAKEAWAYS
  • The average cost of homeowners insurance in Oregon is $1,608 a year or $134 a month.
  • The most expensive ZIP code in Oregon is 97917. Its average rate for home insurance is $1,494 a year.
  • Safeco offers the cheapest rate for home insurance in Oregon at an average of $767 per year.

Best home insurance companies in Oregon

If you're looking for the best homeowners insurance company in Oregon, we've got you covered. We've compiled a list of some of the top-rated insurers in the state and compared their rates, their customer satisfaction rating, J.D. Power score, claims handling and AM Best rating to help make your decision easier. Here is the list of best home insurance companies in Oregon:

  • AIG
  • Safeco
  • USAA
  • American Family
  • Progressive

Compare best homeowners insurance companies in Oregon

You can't afford to take any chances when it comes to buying insurance for your home. That's why it is important to compare insurance companies before deciding on which company to choose.

We have done the research for you. After comparing insurance companies based on their ratings from J.D Power, we have put together a list of the best homeowners insurance companies in Oregon.

CompanyOverall ratingJ.D. Power scoreAM Best rating
AIG5830 -
Safeco4810A
USAA3882A++
American Family3831A
Progressive3821A+
Farmers3813A
Liberty Mutual3806A
Chubb3801A++
Nationwide2812A+

Average cost of homeowners insurance in Oregon

The average cost of homeowners insurance in Oregon is $1,608 a year or $134 a month. Homeowners insurance rates vary depending on where you live, the age of your home, building cost in your area, among other factors.

Average annual premiumAverage monthly premium
$1,608$134

10 Most expensive zip codes in Oregon for homeowners insurance

There are parts of Oregon that have higher risks of natural disasters and other hazards than others. These areas also tend to have more expensive ZIP codes for homeowners insurance due to increased risk factors. The most expensive ZIP code in Oregon is 97917. Its average rate for home insurance is $1,494 a year.

Below are the most expensive ZIP codes and their average annual home insurance rates.

ZIP codeAverage annual rate
97917$1,494
97902$1,449
97710$1,438
97722$1,416
97914$1,405
97058$1,397
97904$1,386
97911$1,381
97407$1,380
97040$1,378

10 Least expensive zip codes in Oregon for homeowners insurance

We have analyzed home insurance rates for various ZIP codes and compiled a list of the top 10 least expensive ZIP codes for homeowners insurance in Oregon.

The least expensive ZIP code in Oregon is 97062. Its average rate for homeowners insurance is $1,029 a year. It's $579 less than the state average ($1,608).

ZIP codeAverage annual rate
97062$1,029
97007$1,031
97140$1,036
97224$1,045
97006$1,048
97225$1,051
97005$1,054
97124$1,056
97008$1,068
97229$1,070

Cheap homeowners insurance in Oregon

The cost of homeowners insurance in Oregon varies based on the insurance company you pick. If you are looking for a cheap homeowners insurance company, Safeco offers the cheapest rate for home insurance in Oregon at an average of $767 per year- $841 less than the state average ($1,608).

Following is a list of the cheapest homeowners insurance companies in Oregon-

Company nameAverage annual premium
Safeco$767
Nationwide$1,064
Travelers$1,104
American Family$1,213
Amco$1,610
State Farm$1,638
Allstate$1,698
USAA$1,727
Foremost$2,007
Farmers$2,092
Garrison$2,121
Country Mut$2,454

Home and auto bundle discounts in Oregon

If you're looking for a way to save on your home insurance, consider purchasing both home and auto policies from the same company. Not only will your rates be cheaper, but also there will be less paperwork. 

A home and auto insurance bundle can help you save an average of $263 a year or 20%, based on Insurance.com’s rate analysis.

Let's find out what companies offer a discount on the insurance bundle and how much you can save. 

Company$ Bundle average saving% Bundle average saving
Country Mut$55125%
Allstate$45836%
State Farm$40134%
Farmers$29417%
USAA$23317%
American Family$20614%
Nationwide$18720%
Mutual Of Enumclaw$11217%
Travelers$10812%
Foremost Insurance$854%

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