Updated: December 10, 2025
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Portland drivers can get minimum coverage from GEICO for just $52 monthly. The same insurer also provides the city's most affordable full coverage at $107 per month or $1,279 annually. These premiums apply to drivers with clean records.
Age and driving history determine which provider offers the lowest premium. Request quotes from multiple carriers to find your best available rate.
| Geico | $107 | $52 | -29% |
| State Farm | $124 | $55 | -20% |
| Country Financial | $117 | $59 | -21% |
| Travelers | $108 | $65 | -23% |
| Progressive | $117 | $67 | -18% |
Oregon residents pay around $50 monthly for minimum coverage, but Portland drivers pay $60, which is about 20% higher than the statewide average. Full coverage costs jump from $103 statewide to $145 in Portland.
Portland's dense traffic creates more collision risks and vehicle theft rates run higher than in rural Oregon. The city's specific insurance requirements also exceed basic state minimums, pushing premiums up.
Shopping around helps Portland residents find competitive rates despite higher baseline costs. Compare quotes from at least three insurers to ensure you're getting the best deal for your situation.
| $145 | $103 |
Read More: The cheapest car insurance in Oregon
The range across age groups shows how driving experience affects Portland insurance costs. Young drivers average $235 monthly across the top five insurers, while adults pay $115 and seniors pay $133. Young drivers pay more than double adult rates because they lack road experience and file claims more frequently.
Cheapest Portland car insurance by age:
Once drivers establish experience, age matters less. Adult and senior premiums stay relatively close, with insurers treating experienced drivers similarly whether they're middle-aged or elderly.
Young drivers between ages 16 and 25 pay Portland's highest car insurance costs because insurers view them as high-risk due to inexperience and higher accident rates. COUNTRY Financial offers the most affordable option at $163 monthly or $1,957 annually for full coverage.
The average across Portland's five cheapest insurers hits $235 for young drivers compared to $115 for adults. Youth premiums run more than double what experienced drivers pay.
Young Portland drivers can save serious money by comparing quotes. COUNTRY Financial costs $121 less monthly than Mutual of Enumclaw at $284. Adding a young driver to your family policy beats getting them standalone coverage, but expect high rates until they turn 25.
Note: Teen drivers must meet state licensing requirements and may need parental consent for insurance policies.
| Country Financial | $163 | $1,957 |
| Travelers | $222 | $2,659 |
| Geico | $240 | $2,875 |
| State Farm | $266 | $3,192 |
| Mutual of Enumclaw | $284 | $3,408 |
Portland seniors benefit from competitive insurance rates due to their clean driving records and decades of experience behind the wheel. GEICO offers the most affordable full coverage at $113 monthly or $1,350 annually for drivers 65 and older.
Some insurers adjust rates slightly upward for drivers over 70 due to reaction time concerns, but Portland's seniors still pay just $133 monthly on average across the five cheapest providers. That's only $18 more than the $115 adult average.
Comparing quotes pays off for Portland seniors. Choosing GEICO over State Farm at $148 monthly saves $35 each month. Seniors can reduce costs further by completing defensive driving courses or qualifying for low-mileage discounts if they drive fewer than 7,500 miles annually.
| Geico | $113 | $1,350 |
| Country Financial | $122 | $1,467 |
| Travelers | $139 | $1,669 |
| Progressive | $143 | $1,721 |
| State Farm | $148 | $1,779 |
For Portland adults between 26 and 64, car insurance is usually more affordable. This age group combines long driving experience with fewer crash risks, which helps keep rates down. GEICO leads with the cheapest full coverage at $107 monthly or $1,279 annually for this age group.
Across the five most affordable insurers, adults average $115 monthly, the lowest of any age category. Adults save $17 each month by choosing GEICO over State Farm's $124 monthly rate, the fifth cheapest option. Clean driving records, policy bundling and good driver discounts provide additional ways to cut premiums.
| Geico | $107 | $1,279 |
| Travelers | $108 | $1,298 |
| Country Financial | $117 | $1,404 |
| Progressive | $117 | $1,405 |
| State Farm | $124 | $1,487 |
Portland drivers see major rate increases after violations, with costs jumping sharply from clean records to serious infractions. GEICO leads for drivers with clean records at $52 monthly for minimum liability coverage. State Farm offers the best rates for both speeding tickets and DUIs at $59 monthly.
Average monthly premiums across the five most affordable insurers climb from $60 for clean drivers to $72 for speeding tickets, $81 for at-fault accidents and $83 for DUIs.
At-fault accidents push premiums higher because you've demonstrated actual property damage or injury risk to insurers. DUIs trigger the largest increases by combining dangerous behavior with legal consequences, placing you in the highest-risk category and often requiring SR-22 filing for license reinstatement.
| State Farm | $59 | $711 |
| Progressive | $77 | $921 |
| Country Financial | $82 | $986 |
| Travelers | $87 | $1,046 |
| Geico | $109 | $1,307 |
The cheapest ZIP code in Portland charges just $60 monthly, but the most expensive area (ZIP 97230) costs $193 per month for car insurance. See your ZIP code's rate in the table below.
Portland's most populous neighborhoods are 97202, 97214 and 97206, where drivers pay $165, $134 and $153 monthly for minimum coverage.
Accident frequency, vehicle theft rates, population density and uninsured driver percentages all affect neighborhood rates. Use the table filter to locate your ZIP code and check your area's typical rate.
| 97201 | $61 | $126 |
Portland drivers can find competitive rates without sacrificing proper coverage by knowing which discounts to pursue and companies to compare.
Try our car insurance coverage needs calculator for customized advice. This tool helps you determine the right amount of coverage based on your specific situation and financial needs in Portland.
Familiarize yourself with types of car insurance options in Portland. Pay-per-mile works well for infrequent drivers, while non-owner coverage suits occasional borrowers.
Look up average vehicle insurance costs for your specific Portland neighborhood. Understanding local rates helps you set realistic expectations and identify competitive pricing when shopping for coverage.
Explore every car insurance discount opportunity available. Consider bundling multiple policies or getting multi-car discounts. You can save with safe driver, student and anti-theft discounts.
Review company ratings and customer feedback for insurance companies serving Portland. Check both financial strength ratings and customer satisfaction scores to ensure you're choosing a reliable insurer that handles claims fairly and efficiently.
Request quotes from multiple carriers in Portland. Getting at least three different quotes allows you to compare prices, coverage options and customer service quality to find the best value for your specific needs.
Schedule an annual policy review to stay competitive with rates and coverage. Your insurance needs may change over time, and new discounts or better rates might become available from other companies in Portland.
Want to find affordable coverage in Portland? This FAQ offers clear answers about available discounts, state regulations and policy options to help you find coverage that fits your budget and meets your financial protection needs.
GEICO leads Portland with the most affordable minimum coverage at $624 annually, based on its $52 monthly rate. Since personal factors affect your price, compare quotes from multiple companies.
Travelers ranks first among Portland's car insurance providers with a MoneyGeek score of 97 out of 100, beating Progressive by one point. The company performs well in customer experience and affordability.
Car insurance in Portland averages $720 annually for minimum coverage and $1,740 for full coverage. Your actual premiums depend on your driving record, age and coverage choices.
Yes, Portland car insurance costs are high, with the city ranking 368th for full coverage and 371st for minimum coverage affordability among Oregon cities.
Portland drivers pay some of Oregon's highest car insurance rates, with premiums varying widely across the city's ZIP codes. We analyzed insurers to find the best rates for Portland's unique urban driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
