GEICO offers Portland's lowest car insurance rates with annual premiums of $620 for minimum coverage and $1,279 for full coverage. Other affordable insurers in the city include State Farm, COUNTRY Financial and Travelers.
Car Insurance in Portland
Updated: August 14, 2025
Advertising & Editorial Disclosure
Key Takeaways
Portland's cheapest car insurance companies are GEICO, Travelers and COUNTRY Financial, with savings up to 29% compared to the city average.
Monthly car insurance costs in Portland average $145 for full coverage and $72 for minimum coverage.
To get the best cheap auto insurance in Portland, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Portland?
| GEICO | $52 | $107 | -29% |
| Travelers | $65 | $108 | -23% |
| COUNTRY Financial | $59 | $117 | -21% |
| State Farm | $55 | $124 | -20% |
| Progressive | $67 | $117 | -18% |
Compare the Cheapest Portland Car Insurance for You
Your car insurance rates depend on your driving record, credit score and other personal details. Check the table below to find the cheapest insurance company for your specific driver profile.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Credit Alignment:Good
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| COUNTRY Financial | $109 | $1,308 | -53% |
| Travelers | $144 | $1,726 | -38% |
| State Farm | $150 | $1,799 | -35% |
| Allstate | $171 | $2,053 | -26% |
| Progressive | $186 | $2,233 | -20% |
Cheapest Car Insurance by Age Group in Portland
Car insurance prices depend heavily on age, so we've split drivers into three categories: 16 to 25 (young), 26 to 64 (adults), and 65+ (seniors). Based on our data in Portland, here's who offers the lowest rate in each group:
- Cheapest Car Insurance for Young Drivers: COUNTRY Financial (from $82 per month)
- Cheapest Car Insurance for Adults: GEICO (from $52 per month)
- Cheapest Car Insurance for Seniors: GEICO (from $57 per month)
Cheapest Car Insurance for Young Drivers in Portland
COUNTRY Financial and GEICO and Travelers offer the best car insurance rates for young drivers in Portland with average monthly premiums starting at $82 and $111, respectively.
Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| COUNTRY Financial | $82 | $986 | -51% |
| GEICO | $111 | $1,332 | -34% |
| Travelers | $116 | $1,391 | -31% |
| State Farm | $119 | $1,429 | -29% |
| Mutual of Enumclaw | $149 | $1,782 | -12% |
Cheapest Car Insurance for Adult Drivers in Portland
In Portland, GEICO provides the lowest rates for adult drivers (26 to 64), saving drivers around 31% on average. State Farm and Travelers are also among the top affordable providers for this age group.
Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| GEICO | $52 | $620 | -31% |
| State Farm | $55 | $663 | -26% |
| COUNTRY Financial | $59 | $710 | -21% |
| Travelers | $65 | $780 | -13% |
| Progressive | $67 | $799 | -11% |
Cheapest Car Insurance for Senior Drivers in Portland
For Portland seniors aged 65 and up, GEICO offers the most affordable car insurance rates. The minimum coverage costs $57 per month or $687 annually. Full coverage from the same provider runs $113 monthly or $1,350 per year.
Data filtered by:Results filtered by:
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
| GEICO | $57 | $687 | -41% |
| State Farm | $72 | $867 | -25% |
| COUNTRY Financial | $73 | $874 | -24% |
| Travelers | $82 | $986 | -15% |
| Progressive | $83 | $990 | -14% |
Cheapest Car Insurance for High-Risk Drivers in Portland
These insurance companies offer the lowest rates for high-risk drivers in Portland:
- Cheapest for Bad Credit: COUNTRY Financial (from $74 per month)
- Cheapest With a DUI: State Farm (from $59 per month)
- Cheapest With an Accident: State Farm (from $70 per month)
- Cheapest With a Speeding Ticket: State Farm (from $59 per month)
Cheapest Car Insurance for Bad Credit in Portland
COUNTRY Financial offers the cheapest car insurance for bad credit drivers in Portland, with monthly rates starting at $74 for minimum coverage and $148 for full coverage. Having both options from the same provider makes it easier to compare coverage levels and choose the right protection for your budget.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Driving Record:Clean
| COUNTRY Financial | $74 | $882 | -49% |
| Mutual of Enumclaw | $99 | $1,183 | -32% |
| GEICO | $101 | $1,214 | -30% |
| California Casualty | $119 | $1,431 | -17% |
| Dairyland | $128 | $1,536 | -11% |
Cheapest Car Insurance With a DUI in Portland
State Farm offers Portland's most affordable car insurance for drivers with DUIs. You'll save up to 54% on minimum coverage and 49% on full coverage compared to average rates in the city.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| State Farm | $59 | $711 | -54% |
| Progressive | $77 | $921 | -40% |
| COUNTRY Financial | $82 | $986 | -36% |
| Travelers | $87 | $1,046 | -32% |
| GEICO | $109 | $1,307 | -15% |
Cheapest Car Insurance With an Accident in Portland
State Farm offers Portland drivers with accidents the lowest car insurance rates, starting at $70 per month. This rate is 38% below the city average for comparable coverage.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| State Farm | $70 | $838 | -38% |
| COUNTRY Financial | $80 | $959 | -29% |
| Travelers | $82 | $986 | -27% |
| GEICO | $83 | $994 | -26% |
| Progressive | $89 | $1,064 | -21% |
Cheapest Car Insurance With a Speeding Ticket in Portland
For Portland drivers with speeding tickets, State Farm offers the most affordable insurance options. Its minimum liability coverage costs about $59 per month, while full coverage with higher limits runs around $131 monthly.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| State Farm | $59 | $711 | -40% |
| GEICO | $67 | $809 | -31% |
| COUNTRY Financial | $72 | $867 | -26% |
| Travelers | $78 | $934 | -21% |
| Progressive | $82 | $983 | -17% |
Best Car Insurance Companies in Portland
Portland's highest-rated car insurance companies are Travelers, Progressive, GEICO, State Farm and Allstate. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| Travelers | 97 | 2 | 1 | 4 |
| Progressive | 96 | 5 | 2 | 2 |
| GEICO | 93 | 1 | 4 | 6 |
| State Farm | 92 | 4 | 3 | 6 |
| Allstate | 92 | 6 | 6 | 3 |
Travelers: Best Cheap Overall
pros
Very affordable overall, especially for those with bad credit
Best customer experience in Portland
Good add-on coverage selection
cons
More expensive rates for those with bad driving records
COMPANY HIGHLIGHTS
Travelers offers the most balanced experience for car insurance in Portland, OR, earning it the top spot in the city. The company particularly saves the most for those with bad credit scores, and for most drivers, they'll save an average of 23% on coverage. In addition, Travelers earned the top score for agent service in our study among nationally available providers (exluding USAA).
How Much Is Car Insurance in Portland?
In Portland, minimum coverage costs about $72 per month or $867 per year, ranking 371st out of all Oregon cities for affordability. Full coverage averages $145 monthly or $1,738 annually, ranking 368th among Oregon cities.
| Full Coverage | $145 | $1,738 |
| Minimum Coverage | $72 | $867 |
Compare Personalized Portland Car Insurance Costs
Find Portland rates that match your exact profile by filtering the table below for your age, driving record and other personal factors.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Credit Alignment:Good
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $248 | $2,975 | 37% |
Portland Car Insurance Costs by ZIP Code
In Portland, car insurance rates by ZIP code range from $60 to $193 per month. ZIP code 97220 is the most expensive, while 97219 is the cheapest. Check the average rates for your ZIP code on the table below.
Data filtered by:Results filtered by:
Select
ZIP Code:97220
| 97220 | $114 | $193 |
How to Get the Best Cheap Portland Car Insurance
Portland drivers face some of the highest car insurance rates in Oregon, and choosing the right coverage can feel overwhelming. Our step-by-step guide shows you how to find affordable car insurance while maintaining the protection you need.
- 1
Calculate your coverage requirements
Start by determining how much coverage you need for your Portland commute. Use our car insurance coverage needs calculator to find the best balance of protection and affordability. Consider local factors like heavy rainfall and urban traffic when choosing your coverage levels.
- 2
Explore alternative insurance options
Look into different types of car insurance that could save you money. If you drive less than average, pay-per-mile coverage might be cheaper. Don't own a car? Consider non-owner insurance for occasional driving.
- 3
Know Portland's average rates
Check average vehicle insurance costs in Portland to set realistic expectations. Understanding typical rates helps you spot good deals and avoid overpaying. Local factors like your neighborhood and driving history affect your personal rate.
- 4
Stack up available discounts
Maximize savings with multiple car insurance discount options. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs and defensive driving courses can also reduce your premium.
- 5
Check insurer reputation and service
Research each insurance company's customer service record and claims process in Portland. Look for insurers with strong local presence and positive reviews. Quick response times are especially important during Oregon's wet weather season.
- 6
Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools, and direct carrier websites. Comparing multiple quotes helps find the best deal.
- 7
Review coverage annually
Set a yearly reminder to review your policy and shop for better rates. Your circumstances change, and so do insurance prices. Updates to your vehicle, driving record or living situation could qualify you for additional savings.
Cheapest Car Insurance in Portland: Bottom Line
Car insurance rates depend on your driving record, credit and coverage needs. In Portland, GEICO and Travelers offer the cheapest average premiums overall, but compare quotes from multiple providers to find your best rate.
Cheap Portland Car Insurance: FAQ
Get straightforward answers about finding affordable car insurance in Portland. We'll help you understand coverage options and discover the cheapest rates that fit your needs.
What is the cheapest car insurance company in Portland, Oregon?
GEICO offers the lowest rates in Portland, with average annual premiums of $620 for minimum coverage and $1,279 for full coverage. Individual rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Portland?
Travelers leads Portland's car insurance providers with a MoneyGeek score of 97 out of 100, scoring one point above Progressive. Travelers excels in both affordable rates and quality customer service.
What is the average cost of car insurance in Portland?
In Portland, drivers pay $1,738 per year for full coverage and $867 for minimum coverage car insurance. Your actual rates will vary based on individual factors.
Is car insurance in Portland expensive?
Car insurance in Portland costs more than average, ranking 371st for minimum coverage affordability and 368th for full coverage compared to other Oregon cities.
How We Chose the Best and Cheapest Car Insurance in Portland, OR
To help Portland drivers find the most affordable auto insurance companies, MoneyGeek analyzed Portland auto insurance rates based on data and information from the Oregon Division of Financial Regulation and Quadrant Information Services. We studied all ZIP codes in Portland and hundreds of thousands of quotes for 12 companies offering auto insurance in Oregon to tailor options as closely as possible to you.
Portland Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Portland with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Portland
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Oregon are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Portland based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.