Car Insurance in Portland

GEICO offers the lowest rates at $620 per year for minimum coverage and $1,279 per year for full coverage, both coming in 28% below the city average. State Farm and Progressive provide strong alternatives at $686 and $720 annually for minimum coverage.

Country Financial also competes in Portland with rates that appeal to certain driver segments. The clustering of several carriers in the competitive range gives Portland drivers leverage to compare features.

Multiple carriers compete within a narrow price range, making service quality a key differentiator.

Young drivers face the highest costs at $986 annually with Country Financial for minimum coverage. Adult drivers secure the best rates at $620 per year with GEICO, enjoying substantial savings.

Senior drivers from GEICO pay $687 annually, virtually matching adult rates from GEICO. The minimal difference between adult and senior pricing gives older Portland residents confidence they won't face age-based discrimination.

Portland's equitable senior pricing reflects Oregon's progressive insurance regulations.

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.

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.

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.

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)

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.

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.

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.

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.

Travelers leads Portland's competitive market with a MoneyGeek score of 97 out of 100, the highest in the city. The company offers strong rates with exceptional customer experience scores and minimal complaints, with its digital-first approach appealing to Portland's tech-savvy population.

GEICO provides the lowest base premiums with robust digital tools and strong nationwide recognition. GEICO particularly appeals to tech-oriented Portland drivers who prefer managing insurance through mobile apps rather than working with local agents.

Both companies excel at serving Portland's digitally-oriented consumer base.

Car insurance in Portland costs an average of $867 per year for minimum coverage and $1,738 per year for full coverage. These rates exceed the Oregon state average of $770 for minimum coverage.

GEICO offers rates below the city average at $620 for minimum coverage. Portland drivers should expect moderate premiums with opportunities to find affordable coverage through major carriers.

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.

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.

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.

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.

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.