How Much Does Home Insurance Cost in Portland, OR?
Average annual homeowners insurance premium. Updated March 2026 with data from BLS, U.S. Census Bureau, and industry surveys.
Typical Cost Range
$1.300 – $4.550
+30% vs national average
$1.300$2.925$4.550
LowNational avg: $2.250High
Portland vs State & National Average
| Category | Portland | Oregon Avg | National Avg |
|---|---|---|---|
| Average cost | $2.925 | $2.891 | $2.250 |
| Low estimate | $1.300 | $2.168 | $1.688 |
| High estimate | $4.550 | $3.758 | $2.925 |
Detailed Cost Breakdown
| Item | Low | High | |
|---|---|---|---|
| Low estimate | $1.000 | $1.200 | |
| Average | $2.025 | $2.475 | |
| High estimate | $2.800 | $3.500 |
Home Insurance in Nearby Cities
Frequently Asked Questions
How much does home insurance cost in Portland?
In Portland, OR, home insurance typically costs between $1.300 and $4.550. The average is $2.925, which is 30% above the national average.
Is Portland expensive for home insurance?
Portland has a cost-of-living index of 130 (100 = national average). Home Insurance costs are 30% higher than the national average of $2.250.
What factors affect home insurance costs in Portland?
Key factors include local labor costs, cost of materials, market competition, Oregon state regulations, and Portland's overall cost of living (index: 130/100). Prices can also vary by season and specific requirements.