Woodburn, OR
Woodburn, OR car and homeowners insurance
How Woodburn households can compare car and home coverage, with local Census data. A quote is not a binder.
Woodburn has about 30,449 residents in Marion County. 72% of its workers drive to work alone and 64% of households own their home, so most families here need both a car policy and a homeowners policy.
How Woodburn gets around
| Measure | Woodburn | Oregon |
|---|---|---|
| Drive alone to work | 72% | 64% |
| Carpool | 19% | 8% |
| Work from home | 8% | 19% |
| Commute of 45 minutes or more | 15% | 12% |
| Commute under 15 minutes | 29% | 32% |
| Households with no vehicle | 6% | 7% |
| Households with 3 or more vehicles | 26% | 24% |
Data: Census Bureau ACS 2020–2024 five-year estimates (commuting and vehicles available).
Woodburn commutes are longer than the Oregon norm, with 15% of workers driving 45-plus minutes. If your commute is short or you mostly work from home, ask about low-mileage or usage-based pricing.
Only 8% of Woodburn workers mostly work from home, below the Oregon share of 19%. Daily commuting tends to raise mileage, so compare quotes with realistic annual miles.
26% of Woodburn households keep three or more vehicles, and 6% have none. Multi-car households can usually save by insuring every vehicle on one policy.
Owning a home in Woodburn
Census figures put Woodburn's median home value at $331,800 (Oregon: $477,600) and its median year built at 1978. Older homes raise questions about roofs, wiring, and plumbing; newer ones may qualify for new-home credits.
Benchmark: $879 was the average 2023 Oregon HO-3 premium at the $325,000–$349,999 coverage level, per the NAIC. Countrywide, the all-amounts HO-3 average was $1,737.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Required auto coverage for Woodburn drivers
Oregon requires liability limits of at least 25/50/20. Other required coverage: pIP $15,000; uninsured motorist 25/50. Those are floors; with Woodburn's median home value at $331,800, most homeowners choose much higher liability limits to protect their equity.
Bundling auto and home in Woodburn
Most Woodburn homeowners also own at least one car, which makes a multi-policy discount worth checking. Ask whether one storm that damages both car and house would trigger a single deductible.
Weather and road risks around Woodburn
Insurers in Oregon price for wildfire smoke and fire seasons and wet winter driving. Comprehensive coverage handles weather damage to your car, while your homeowners policy handles the house, each with its own deductible.
See FEMA's National Risk Index for local hazard scores.
Woodburn compared with nearby cities
Salem shows 16% working from home and a median home value of $416,900. In Keizer, 63% own their home and 21% of households have three or more vehicles. Portland shows 29% working from home and a median home value of $581,500. For share of 45-minute-plus commutes, Woodburn is 5th of 20 Oregon cities on this site.
Woodburn quote checklist
- When the roof was replaced
- Home details: size, age, construction
- Drivers' names and dates of birth
- Your existing policies and renewal dates
- Annual mileage for each car
- Mortgage company for the home
Questions from Woodburn drivers and homeowners
What auto insurance is required in Woodburn?
Oregon requires liability of 25/50/20; pIP $15,000; uninsured motorist 25/50.
Do Woodburn drivers have long commutes?
About 15% of Woodburn workers commute 45 minutes or more and 29% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Woodburn?
There is no single price. As context, Oregon HO-3 policies averaged $1,003 in 2023 (NAIC), and averages rise with dwelling coverage.
More Oregon cities
Auto and home insurance in Oregon
Last updated October 15, 2026 · How we research