Best and Cheapest Homeowners Insurance in Oregon for 2025

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$30	A++	Military Focus	USAA
	#2	$38	B	National Scale	State Farm
	#3	$39	A+	Competitive Rates	Progressive
	#4	$47	A++	Online Efficiency	Geico
	#5	$49	A++	Flexible Policies	Travelers
	#6	$54	A	Community Focus	American Family
	#7	$56	A+	Customized Coverage	Nationwide
	#8	$57	A	Multi-Line Discounts	Farmers
	#9	$71	A	Risk Management	Liberty Mutual
	#10	$78	A+	Discount Options	Allstate

#1 – USAA: Top Overall Pick

Pros

• Exclusive Service: Military service members receive specialized insurance support across Oregon regional offices.
• Monthly Value: A 300k policy for $42 delivers comprehensive coverage for Oregon military families.
• Response Team: Dedicated military insurance specialists address Oregon service members' claims within 24 hours.

Cons

• Service Limitation: Military affiliation requirements prevent many Oregon residents from accessing USAA insurance.
• Physical Access: Military families in Oregon must manage insurance claims through digital channels.

#2 – State Farm: Best for National Scale

Pros

• Agent Network: Local agents deliver personalized insurance assistance throughout Oregon's diverse communities.
• Premium Value: Homeowners can secure $500k comprehensive coverage in Oregon for $75 monthly.
• Claims Support: Local Oregon processing centers handle emergency insurance requests 24 hours daily.

Cons

• Location Impact: Coastal property owners experience substantially higher insurance premiums in Oregon regions.
• Policy Flexibility: Oregon homeowners must follow strict guidelines for mid-term policy modifications.

#3 – Progressive: Best for Competitive Rates

Pros

• Rate Platform: Homeowners can compare comprehensive insurance rates from multiple providers throughout Oregon.
• Affordable Plans: Progressive offers $200k coverage policies to Oregon residents for $39 monthly.
• Digital Management: Virtual management tools help Oregon homeowners track property inventories effectively.

Cons

• Mountain Properties: Oregon mountain homeowners face strict coverage limitations for natural disaster protection.
• Provider Network: Oregon residents must coordinate coverage through authorized third-party insurance providers.

#4 – Geico: Best for Online Efficiency

Pros

• Online Service: Digital platforms provide continuous insurance management access for Oregon property owners.
• Coverage Cost: Homeowners in Oregon can secure $300k property protection for $65 monthly.
• Mobile Platform: Advanced mobile features enable efficient insurance management for Oregon policy holders.

Cons

• Agent Access: Oregon customers have limited opportunities for face-to-face insurance consultations.
• Coverage Additions: Oregon homeowners must obtain specialized coverage through partner insurance providers.

#5 – Travelers: Best for Flexible Policies

Pros

• Policy Options: Travelers offers customizable insurance plans addressing unique needs across Oregon territories.
• Environmental Rewards: Oregon homeowners receive substantial discounts for implementing sustainable home features.
• Disaster Coverage: Comprehensive $500k policies protect Oregon homes against regional disasters for $97.

Cons

• Seasonal Rates: Oregon vacation property owners experience regular adjustments to insurance premium rates.
• Processing Time: Oregon homeowners experience extended waiting periods for complex insurance claims.

#6 – American Family: Best for Community Focus

Pros

• Community Rates: Local organizations throughout Oregon benefit from exclusive group insurance rates.
• Regional Protection: American Family provides $200k coverage to Oregon homeowners for $54 monthly.
• Emergency Planning: Oregon residents receive comprehensive resources for natural disaster preparation strategies.

Cons

• Rural Coverage: Remote Oregon homeowners experience significant limitations in available insurance services.
• State Transfer: Oregon policyholders face complicated processes when transferring coverage between states.

#7 – Nationwide: Best for Customized Coverage

Pros

• Environmental Focus: Insurance policies adapt to address specific climate risks across Oregon territories.
• Property Tools: Nationwide provides exclusive assessment resources with $300k policies in Oregon.
• Feature Protection: Oregon homeowners receive specialized coverage options for unique architectural features.

Cons

• Market Influence: Local property market changes affect insurance premium rates throughout Oregon.
• Rural Support: Oregon's remote communities have restricted access to specialized insurance services.

#8 – Farmers: Best for Multi-Line Discounts

Pros

• Package Deals: Multiple policy combinations generate substantial savings for Oregon insurance customers.
• Local Knowledge: Regional insurance experts provide specialized guidance for Oregon property protection.
• Home Improvements: Farmers rewards property upgrades with $500k policies for $111 in Oregon.

Cons

• Special Properties: Unique architectural homes in Oregon require extensive supplemental insurance coverage.
• Service Range: Oregon's outlying communities lack access to comprehensive insurance representatives.

#9 – Liberty Mutual: Best for Risk Management

Pros

• Risk Protection: Liberty Mutual conducts thorough property evaluations for Oregon homeowners seeking coverage.
• Security Value: Oregon residents receive $200k protective coverage starting at $71 monthly.
• Safety Resources: Liberty Mutual provides extensive prevention tools for Oregon's high-risk properties.

Cons

• Coastal Costs: Oregon coastal property owners face substantial increases in insurance premium rates.
• Coverage Access: High-risk areas throughout Oregon experience significant insurance coverage restrictions.

#10 – Allstate: Best for Discount Options

Pros

• Savings Options: Multiple discount programs create substantial savings for Oregon insurance policyholders.
• Loyalty Benefits: Oregon customers receive enhanced savings with $300k policies priced at $110.
• Regional Incentives: Property improvements qualify Oregon homeowners for substantial insurance premium reductions.

Cons

• Starting Rates: Oregon property owners must pay elevated premiums before discount applications process.
• Discount Rules: Oregon homeowners must satisfy extensive requirements to qualify for premium reductions.

Best Homeowners Insurance Companies in Oregon

There are many perils your home can face that may result in damage that requires filing a homeowners insurance claim. That’s likely not something you want to think about, but if you have one of the best Oregon homeowners insurance companies, you can have peace of mind your home will be repaired in a smooth process.

To help you be more confident in your homeowners insurance company, we have reviews and rankings for hundreds of homeowners insurance companies so you can evaluate and compare the best Oregon home insurance companies. In the table below, you can sort through every homeowners insurance company that sells in Oregon. Next to each insurer you’ll find the company's monthly insurance rates:

Who offers the best homeowners insurance rates in Oregon for a $200K home?

Insurance Company	$200k Policy	$300k Policy)	$500k Policy
	$78	$110	$153
	$54	$82	$106
	$57	$87	$111
	$47	$65	$93
	$71	$100	$141
	$56	$85	$110
	$39	$57	$78
	$38	$55	$75
	$49	$71	$97
	$30	$42	$58

Insurance Company	Available Discounts
	Bundling Auto and Home Policies, New Car, Paid-In-Full, Loyalty, Responsible Payer
	Bundling Policies, Loyalty, Switching Provider, Good Driving, Homeowner
	Bundling Policies, Responsible Payer, Good Driving, Homeowner, Student
	Bundling Policies, Good Driver, New Car, Seat Belt, Auto Safety Features
	Bundling Policies, Good Driver, Student, Homeowner, Safety Features
	Bundling Policies, Good Driving, Accident-Free, Paperless Billing, Homeowner
	Bundling Policies, Good Driver, Switching Provider, Homeowner, Low Mileage
	Bundling Policies, Good Driver, Safety Features, Accident-Free, Homeowner
	Bundling Policies, Good Driver, New Car, Homeowner, Accident-Free
	Bundling Policies, Good Driver, New Car, Loyalty, Homeowner

What do Oregon property crime statistics indicate?

Theft and vandalism or malicious mischief are among the 16 perils a standard homeowners insurance policy protects you from. So, how does crime in Oregon compare to other states around the country? The FBI published the following statistics on crime in Oregon for 2016:

• Property crime - 121,345
• Burglary - 16,866
• Larceny theft - 91,286

When compared to the national average rate per 100,000 inhabitants, property crime and larceny theft in Oregon rank above the national average but burglary ranks below.

What do Oregon disaster statistics indicate?

Weather-related incidents are typically among the costliest homeowners insurance claims. FEMA has published statistics for each state since 1953. Data is updated through August 2018. Here’s a look at the Oregon federally declared disasters since 1953:

• Fire - 44
• Severe storm - 15
• Flood - 14
• Earthquake - 2
• Coastal storm - 1
• Tsunami - 1

How are homeowners insurance rates calculated in Oregon?

Ever wonder why you pay what you do for home insurance? Some things may be obvious, like the age of your home. But other factors that contribute to the price of homeowners insurance may not be as obvious. Here’s a list of some of the things homeowners insurance companies consider when quoting you a rate:

• The level of coverage required
• The size of your mortgage
• Your credit score
• The square footage of your home
• The geographic location of your home in Oregon
• The condition of your home
• The age of your home
• The proximity of your home to a fire station
• Your previous claims record
• The amount of your deductible
• Optional add-ons like umbrella insurance

Zillow estimates that homeowners can expect to pay approximately $35 each month for every $100,000 of your home's value.

The average cost of homeowners insurance in Oregon is far below the national average annual rate for home insurance. Compared to the neighbouring states, the average premium for a standard homeowners policy in Oregon is low, due to the state's relatively threat of weather damage and natural disasters. Even though some parts in Oregon may be at risk of fire and earthquake, the likelihood of threat is pretty low. However, homeowners may want to buy a homeowners policy that will protect them and their property from potential hazards. Though not very common, some of the causes of loss in Oregon include: earthquake damage, landslides and mudslides, and fire.

Most homeowners policies in Oregon come with standard coverage (dwelling coverage, liability coverage, personal property coverage, medical payments coverage, additional living expenses and loss of use coverage). In addition, homeowners may choose to buy optional coverage for extra protection. Additional coverage options include: flood insurance, earthquake insurance, identity theft coverage, and debris removal coverage.

Talking to an insurance agent might help you decide what optional coverage you need to add to tailor your policy to your unique situation.

How does Clearsurance rate and rank the best homeowners insurance companies in Oregon

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

• Price
• Customer Service
• Claim service
• Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Homeowners Insurance Guide

Your home is likely your most valuable asset, making it that much more important that you insure your home with one of the best Oregon homeowners insurance companies. But beyond just picking a company, it’s crucial to have the right coverage and to understand that coverage. Did you know that a standard homeowners insurance policy has six types of coverage? And did you know that there are usually 16 types of perils found in a homeowners insurance policy?

At Clearsurance, we want to make sure you have a strong understanding of your homeowners insurance coverage and what it all means. Check out our homeowners insurance guide to become a smarter insurance customer. And for more educational content on other homeowners insurance topics, check out our homeowners insurance blog!