State Guides6 min read

EV Insurance in Oregon: Tesla Insurance Costs & Best Rates 2026

Complete guide to EV insurance in Oregon. Average Tesla insurance cost is $172/month. Compare rates from GEICO, State Farm, Progressive, find discounts, and learn about Tesla Insurance availability.

Published on March 17, 2026

EV Insurance in Oregon: What You Need to Know

Looking for Tesla Insurance or EV insurance in Oregon? The average annual EV insurance premium in Oregon is $2,060 ($172/month), which is +2% compared to the national average. This guide covers everything Oregon EV owners need to know about insurance costs, top providers, and how to save.

Complete Tesla Insurance Guide: This article is part of our Tesla Insurance Ultimate Guide 2026 - covering rates for every model and state.

Oregon EV Insurance at a Glance

$2,060
Annual Average
$172
Monthly Average
25/50/20
Minimum Coverage
Yes
Tesla Insurance

Tesla Insurance Cost by Model in Oregon

Here is what Tesla insurance costs in Oregon for each model:

Tesla Insurance Cost in Oregon (Monthly)

Tesla ModelMonthly CostAnnual Costvs National Avg
Model 3$136$1,632+2%
Model Y$164$1,968+2%
Model S$226$2,712+2%
Cybertruck$272$3,264+2%

Considering a Tesla Cybercab? Read our Tesla Cybercab Insurance Guide for projected costs.

Top EV Insurance Providers in Oregon

GEICO
$182
/month avg
State Farm
$177
/month avg
Progressive
$160
/month avg
Oregon Mutual
$185
/month avg

Key Cost Factors in Oregon

1
Strong EV adoption
2
Rain-related accident risk
3
Portland urban density

Tesla Insurance in Oregon

Great news - Tesla Insurance is available in Oregon! Tesla owners in Oregon can get quotes directly through the Tesla app. With a Safety Score of 90+, you could save 28% compared to traditional insurers.

Tesla Insurance Available
Oregon residents can access Tesla Insurance with real-time Safety Score pricing. Average monthly savings: $48/month vs traditional insurers.

Read our full guide: How to Buy Tesla Insurance

5 Ways to Save on EV Insurance in Oregon

  1. Compare 5+ quotes - Rates vary dramatically between GEICO and State Farm in Oregon
  2. Increase your deductible - Raising from $500 to $1,000 saves 8-12% monthly
  3. Bundle home + auto - Multi-policy discounts save 15-25%
  4. Ask about EV discounts - Many Oregon insurers offer green vehicle discounts
  5. Maintain a clean record - 3 years accident-free saves 20%+ on premiums

For more strategies, see our guide on Is Tesla Insurance Cheaper?.

Frequently Asked Questions

How much is Tesla insurance in Oregon? The average Tesla insurance cost in Oregon is $172/month ($2,060/year). Model 3 is cheapest at $136/month, while Cybertruck costs $272/month.

Is Tesla Insurance available in Oregon? Yes, Tesla Insurance is available in Oregon. Get a quote through the Tesla app.

What is the minimum car insurance coverage in Oregon? Oregon requires minimum liability coverage of 25/50/20 (bodily injury per person/per accident/property damage in thousands).

What is the cheapest EV insurance in Oregon? Based on our analysis, GEICO typically offers the cheapest EV insurance rates in Oregon. See Cheapest Tesla Insurance for nationwide rankings.

Is EV insurance more expensive in Oregon? Oregon EV insurance is +2% above the national average. This is close to the national average.

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For complete Tesla Insurance data across all models and states, read our Tesla Insurance Ultimate Guide 2026. Explore rates in other states on our EV Insurance Map.

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