Estimates, not quotes

Tesla Model S Insurance Cost in Oregon

Insuring a Tesla Model S in Oregon costs about $1,725 a year ($144/month) for full coverage by our estimate — −15% versus the same car nationally — the 19th cheapest of 51 states for this model.

Tesla Model S (photo from Wikimedia Commons)
Photo: Peteratkins, CC BY-SA 4.0
These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Tesla Model S insurance in Oregon at a glance

Full coverage
$1,725
$1,415–$2,035
25/50/20 minimum
$565
$47/mo
Same car nationally
$2,025
full coverage
Avg. car in OR
$1,425
+21% for the Model S

The Tesla Model S is 21% more expensive than the average vehicle to insure in Oregon, reflecting HLDI collision losses of 216 and comprehensive losses of 152 (100 = average). Oregon's own base rates are 9% lower than the national average, which carries through to every model.

Oregon factors that affect Model S premiums

  • Uninsured drivers: 14.7% of Oregon drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your Model S.
  • Theft: 215 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates Oregon's expected annual losses as very low for hail, relatively low for tornado, not rated for hurricane, relatively moderate for inland (river) flooding, relatively low for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 1.44 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort), with required personal injury protection.

Car insurance rules and costs in Oregon →

Tesla Model S insurance cost in Oregon cities

CityFull coverageMinimumvs. state
Portland$1,960$640+14%
Salem$1,900$620+10%
Eugene$1,845$600+7%
Gresham$1,990$650+15%
Hillsboro$1,925$630+12%
Bend$1,780$580+3%
Beaverton$1,965$640+14%
Medford$1,780$585+3%

Tesla Model S insurance in Oregon by driver

Estimated annual Tesla Model S premium in Oregon
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,550 $2,250 $4,745 $395
Young adult (22) $900 $1,310 $2,760 $230
Adult in their 30s $565 $820 $1,725 $144
Adult in their 50s $520 $750 $1,585 $132
Senior (72) $630 $915 $1,930 $161
30s, one at-fault accident $820 $1,185 $2,500 $208
30s, DUI on record $1,045 $1,515 $3,190 $266

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $565 $47 $460–$665
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $820 $68 $670–$965
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,725 $144 $1,415–$2,035

Oregon minimum: 25/50/20 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Oregon

ModelFull coverage in ORvs. Model S
Dodge Charger$1,455−16%
Chrysler 300$1,455−16%
Toyota Avalon$1,430−17%
Toyota Crown$1,490−14%

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Tesla Model S insurance cost in every state · All Tesla models

Frequently asked questions

How much is Tesla Model S insurance in Oregon?

About $1,725 a year ($144 a month) for full coverage and $565 for Oregon's minimum liability, for a driver in their 30s with a clean record. That is 15% less than the national estimate for the same car.

Is the Tesla Model S cheaper to insure than the average car in Oregon?

The average vehicle in Oregon is about $1,425 a year for full coverage in our model, so the Tesla Model S is 21% more expensive than average.

Where in Oregon is Tesla Model S insurance cheapest?

Among the largest Oregon cities, Bend has the lowest estimate (about $1,780) and Gresham the highest (about $1,990).

What insurance do I need for a Tesla Model S in Oregon?

Oregon requires at least 25/50/20 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page