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The average cost of renters insurance in Oregon is $232 a year, according to a rate analysis by Insurance.com. There are a lot of things to consider when looking for the best renters insurance in Oregon. Price is always a consideration, but it's not the only thing you should take into account when deciding on a renters insurance company. You should compare the policies offered by different companies on the basis of the average rate, coverage options, and customer service. 

We have put together this guide to help you make the right decision. In this guide, you will find the cheap and top renters insurance companies for Oregon renters. Besides, you can compare the companies based on their average rate and rating. Keep on reading this resource to find the best renters insurance company in Oregon for your specific needs and budget. 

Best renters insurance companies in Oregon

When it comes to choosing the best renters insurance company in Oregon, you want to make sure that you are comparing apples to apples. Our experts at Insurance.com have compared quotes, coverage options and J.D Power score from all the major insurers in Oregon. Below is the list of best renters insurance companies in Oregon:

  • State Farm
  • American Family
  • Nationwide
  • Allstate
  • Farmers

Compare best renters insurance companies in Oregon

State Farm tops the list of best renters insurance companies in Oregon, it has earned 866 scores out of 1000 from J.D. Power, highest among the carriers surveyed. Its average rate for Oregon residents is $238 annually. 

Apart from State Farm, you can get a renters insurance policy from companies like American Family, Nationwide, Allstate, Farmers, and Travelers. If you want an affordable renters insurance policy, compare these insurance providers on the basis of their J.D. Power score and average rate mentioned in the table below.

CompanyJ.D. Power scoreAverage annual rate
State Farm866$238
American Family838$296
Nationwide834$246
Allstate833$222
Farmers831$237
Travelers815$203

How much is renters insurance in Oregon

The average renters insurance policy in Oregon costs around $232 per year or $19 a month. However, premiums can vary significantly depending on a number of factors, including your coverage limits, the amount of your deductible, and the type of property you want to insure.

Renters insurance policies in Oregon typically provide two types of coverage: personal property coverage and liability coverage. Personal property coverage helps protect your belongings in case they're damaged or stolen, while liability coverage provides protection if someone is injured, or their property is damaged as a result of an accident that occurred at your home.

Average annual premiumAverage monthly premium
$232$19

10 Most expensive zip codes in Oregon for renters insurance

Renters insurance is a necessary purchase for anyone who rents a home or apartment, but the cost of coverage can vary depending on the zip code. Some zip codes in Oregon are more expensive than others when it comes to renters insurance premiums. The most expensive zip code for renters insurance in Oregon is 97206 and its average annual rate for Oregon renters is $254. 

The 10 most expensive zip codes for renters insurance in the state are listed below.

ZIP codeAverage annual rate
97206$254
97210$253
97211$252
97201$251
97215$250
97202$249
97203$248
97060$245
97010$244
97233$243

10 Least expensive zip codes in Oregon for renters insurance

The least expensive zip code for renters insurance in Oregon is 97003, its average annual cost is $212. Below are the 10 least expensive zip codes in Oregon for renters insurance premiums. These areas typically have lower property value or fewer risks associated with renting, which results in lower premiums for renters insurance coverage.

ZIP codeAverage annual rate
97003$212
97006$213
97005$214
97224$215
97124$216
97106$217
97113$218
97109$219
97119$220
97056$221

Cheap renters insurance in Oregon by carrier

When it comes to renters insurance, it’s important to shop around and compare rates to make sure you’re getting the best deal possible. Each of these carriers typically offers competitive rates for renters insurance coverage in Oregon. Based on Insurance.com's rate analysis, Allstate is the cheapest renters insurance provider. It offers a standard renters insurance policy at an average of $163 annually. 

Find below the list of affordable renters insurance companies in Oregon along with their average annual premium.

Company nameAverage annual premium
Allstate$163
Travelers$177
Nationwide$195
Amco$204
Farmers$219
State Farm$231
Safeco$267
American Family$282
Country Mutual$387