Renters and home insurance rates in Oregon
The NAIC's published average premiums for Oregon by policy form, with Census ACS housing records for every county: renter households, median gross rent and median home value.
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Figures are published averages, never quotes; methodology at the foot of the page.
- average renters premium (HO-4), per year
- $155
- average homeowners premium (HO-3), per year
- $893
- renter households
- 623,205
By county
By county
| Multnomah County | 159,439 | $1,582 | $528,000 |
|---|---|---|---|
| Washington County | 90,925 | $1,773 | $558,500 |
| Lane County | 64,786 | $1,287 | $395,800 |
| Marion County | 47,352 | $1,333 | $383,300 |
| Clackamas County | 46,647 | $1,693 | $577,900 |
| Jackson County | 31,757 | $1,310 | $400,200 |
| Deschutes County | 24,341 | $1,674 | $596,000 |
| Benton County | 16,834 | $1,359 | $481,700 |
| Linn County | 16,653 | $1,273 | $344,600 |
| Douglas County | 13,181 | $995 | $283,200 |
| Yamhill County | 11,673 | $1,377 | $442,700 |
| Polk County | 11,534 | $1,270 | $419,500 |
| Josephine County | 10,287 | $1,157 | $383,100 |
| Umatilla County | 9,264 | $962 | $256,100 |
| Klamath County | 9,018 | $973 | $255,700 |
| Coos County | 8,324 | $992 | $302,800 |
| Clatsop County | 6,935 | $1,130 | $437,800 |
| Lincoln County | 6,537 | $1,150 | $387,700 |
| Columbia County | 5,030 | $1,221 | $390,600 |
| Union County | 3,845 | $982 | $260,500 |
| Malheur County | 3,674 | $819 | $221,300 |
| Wasco County | 3,517 | $978 | $332,500 |
| Tillamook County | 3,171 | $1,169 | $408,600 |
| Hood River County | 2,879 | $1,381 | $571,200 |
| Curry County | 2,837 | $1,156 | $366,700 |
| Crook County | 2,595 | $1,224 | $423,300 |
| Jefferson County | 2,474 | $957 | $339,200 |
| Baker County | 1,977 | $814 | $247,700 |
| Lake County | 1,316 | $861 | $219,400 |
| Morrow County | 1,257 | $910 | $229,800 |
| Harney County | 1,031 | $675 | $190,600 |
| Wallowa County | 792 | $858 | $371,900 |
| Grant County | 649 | $840 | $225,100 |
| Sherman County | 258 | $945 | $206,700 |
| Gilliam County | 212 | $1,084 | $158,400 |
| Wheeler County | 204 | $782 | $259,000 |
Download the Oregon county-level dataset (CSV), free to reuse with citation.
Sources, citation and related pages
Cite or embed this figure
The average annual renters insurance premium in Oregon was $155 in 2022, across 623,205 renter households recorded in the HomeCover HQ Rates Index (NAIC premiums; Census ACS households).
Cite as: "HomeCover HQ Rates Index: Oregon", updated 2026-08-17, https://homecoverhq.com/rates/oregon/.