The Best and Cheapest Home Insurance Companies in Oregon
Mutual of Enumclaw has Oregon's cheapest home insurance at $534 per year.
Compare Home Insurance Quotes in Oregon
Home insurance in Oregon costs an average of $1,106 per year. However, cost is only one of the many factors you should consider when choosing the best home insurance policy for you. We collected thousands of quotes across hundreds of ZIP codes in Oregon to determine how insurers compare in terms of cost, customer satisfaction, reliability and coverage.
Best cheap home insurance in Oregon
Cheapest home insurance quotes in Oregon
Mutual of Enumclaw has the cheapest home insurance in Oregon for $534 per year on average.
The average rate for home insurance in Oregon is $1,106 per year. That's 27% cheaper than the national average of $1,516.
Compare Home Insurance Quotes in Oregon
Cheap annual home insurance in Oregon
Company | Annual cost | |
|---|---|---|
| Mutual of Enumclaw | $534 |
| Travelers | $810 |
| Farmers | $835 |
| State Farm | $899 |
| Nationwide | $932 |
Best home insurance for most people: Mutual of Enumclaw
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Editor rating
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Annual rate
$534 ?
Pros and cons
Mutual of Enumclaw has the cheapest home insurance rates in Oregon, along with one of the highest customer satisfaction ratings in the state. Policies average $534 per year, making it 52% cheaper than the state average.
Mutual of Enumclaw has excellent customer service ratings, along with online tools so you can pay bills and file claims online.
Unfortunately, they offer no listed discounts on their website to lower the price of your monthly rate. Instead, they offer a number of "perks" for their customers, allowing you to save money on items like takeout food, home electronics, and professional services when you purchase a policy with them.
Mutual of Enumclaw also has strong coverage for homeowners, with standard policies including coverage like:
- Wildfire protection and monitoring
- Lock and key coverage
- Identity fraud protection
- Emergency living expenses
Best for coverage options: Travelers
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Editor rating
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Annual rate
$810 ?
Pros and cons
Travelers has some of the cheapest rates in Oregon with an average of $810 per year, 27% cheaper than the state average of $1,106.
Travelers only offers a handful of standard discounts, the most notable being the bundling discount, which provides 15% savings when you bundle your home and car policies.
Travelers has a large number of add-ons for you to customize your policy, including additional replacement cost protection that covers 25% more than your policy limits.
Travelers is known for its inconsistent customer service, and many customers complain that the claims process can be very slow.
Best national home insurance: State Farm
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Editor rating
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Annual rate
$899 ?
Pros and cons
State Farm has good general home insurance coverage, including personal liability and medical payments, with a few add-ons like sewer pump backup and home system protection.
It has an affordable average rate at just under $900 per year, around 20% less than the state average. It also has a handful of discounts to lower your rates, including bundling and home security discounts.
State Farm also offers a premier service program, providing contractors to provide home repairs, and they are guaranteed for up to five years after a covered loss. It also provides an agent to cover all of your policies, which provides the guidance of a professional in case of any questions or claims.
Finally, State Farm offers a mobile app to provide easy online quotes, ID cards and claims support.
Oregon home insurance rates by city
Home insurance in Portland, the biggest city in Oregon, costs an average of $1,025 per year. Coverage in the second-largest city of Salem costs $1,049 per year, around 5% cheaper than the state average.
The cheapest city for home insurance in Oregon is Corvallis at $954 per year, while the most expensive is White City at $1,344 per year.
City | Average annual cost | Difference from state average |
|---|---|---|
| Adams | $1,200 | 8% |
| Adel | $1,253 | 13% |
| Adrian | $1,262 | 14% |
| Agness | $1,159 | 5% |
| Albany | $1,033 | -7% |
Best home insurance companies in Oregon
USAA, State Farm and Mutual of Enumclaw have the best customer service for home insurance in Oregon.
USAA is well regarded for having excellent online tools, and a convenient claims process, although only members of the military and their families are eligible. State Farm and Mutual of Enumclaw also have good support ratings.
Company |
Rating
|
|---|---|
| USAA | |
| Mutual of Enumclaw | |
| State Farm | |
| Country Financial | |
| Nationwide | |
| Farmers | |
| Allstate | |
| American Family | |
| Travelers |
Common home insurance risks in Oregon: Earthquakes and landslides
Oregon homes can be susceptible to perils like earthquakes, landslides and wildfires.
Earthquakes
Oregon, like many states on the west coast, experiences more earthquakes than other states in the country. Unfortunately, most home insurance policies do not cover damage caused by earthquakes. You need to purchase separate earthquake insurance if you want coverage.
Earthquake insurance is normally expensive, and many companies don't offer it, so you may want to research how prone your home is to earthquakes before getting your own policy. An affordable alternative may be to take steps to protect your home from earthquake damage.
Landslides
Landslides are one of the most widespread and damaging events for homeowners in Oregon. To ensure that your home is protected, you may want to consider getting landslide insurance.
Frequently asked questions
What is the average cost of home insurance in Oregon?
The average cost of home insurance in Oregon is $1,106 per year, which is 27% cheaper than the average national cost of $1,516
What is the best home insurance company in Oregon?
Mutual of Enumclaw has the best home insurance in Oregon, due to having the cheapest rates and excellent customer service.
Who has the cheapest home insurance in Oregon?
Mutual of Enumclaw offers the cheapest home insurance in Oregon at $534 per year, which is less than half of the state average.
Methodology
We collected quotes from the top home insurance companies in Oregon to find the best home insurance companies in the state. We compared quotes for a home built in 1979 with a value of $312,200, reflecting the median home age and value in the state, according to the latest U.S. Census data.
Home insurance ratings are created based on a combination of complaint data from the National Association of Insurance Commissioners (NAIC), the J.D. Power customer satisfaction survey and ValuePenguin's own editorial ratings.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.