Best Car Insurance Companies in Portland, OR

The best Portland car insurance company for you depends on factors like your driving background and unique needs. According to our analysis, Country Financial works well with most drivers. Teens, however, may get the best deal from Nationwide. Those with new cars may prefer Travelers. And if you care about customer service at any price, check out Capital Group Insurance.

If price is your number one factor, MoneyGeek has also ranked the cheapest car insurance in Portland.

MoneyGeek's top picks for auto insurance carriers in Portland, Oregon, include:

• Country Financial: MoneyGeek score 81 out of 100 ($1,035 per year)
• American Family: MoneyGeek score 77 out of 100 ($1,292 per year)

Country Financial is also ranked as the best car insurance in Oregon. It may be great for people who want low premiums and aren't concerned about excessive coverage. It has a spotty track record in claims management but can balance this with excellent customer service.

The top choice for active and veteran military is USAA, which received 85 out of 100.

Country Financial is our top pick among the 12 Portland-based insurance companies we researched. It earned the second-highest ratings for price and customer satisfaction. The company's average annual rate of $1,035 is only second to State Farm’s $1,008. However, State Farm’s other scores score pulled its overall ranking down to #4.

The rates are for comprehensive policies. We only gave companies a MoneyGeek score if we had enough information to use all of the scoring system's factors.

Insurers with the most outstanding customer service in Portland (excluding price) are:

• Capital Insurance Group: MoneyGeek score 68 out of 100 ($1,556 per year)
• Country Financial: MoneyGeek score 65 out of 100 ($1,035 per year)

Our research suggests Capital Insurance Group can deliver an excellent combination of good customer service and claims handling. It also scores well in affordability, but its premiums are in the middle compared to its competitors. If you’re after the cheapest option, you may need to look elsewhere.

Good customer service should make sure every client feels valued, especially when things go awry. Capital Insurance Group generally does this better than every insurer in Portland, Oregon. Although it doesn’t have the lowest premium, it keeps its prices accessible, so policyholders typically get a good deal.

Portland's leading minimum coverage insurers, according to our research, are:

• Country Financial: MoneyGeek score 82 out of 100 ($614 per year)
• Capital Insurance Group: MoneyGeek score 79 out of 100 ($782 per year)

The cheapest policies often provide the least protection against liability costs and no protection from damage to your vehicle. The mandatory insurance levels for auto insurance in Oregon are uniform across the state.

A good minimum coverage policy provides enough security for all the essentials. Though you may assume cheap equals bad customer service, the best of both worlds can be found with some digging.

The top auto insurance providers for young adult drivers are:

• Country Financial: MoneyGeek score 79 out of 100 ($1,358 per year)
• American Family: MoneyGeek score 78 out of 100 ($1,425 per year)

We found Country Financial offers strong customer service coupled with affordable rates. Its policyholders may expect to be treated with care and concern if they get into an accident.

In general, young adults are statistically likelier to be in an accident and have difficulty paying for repairs. This means a good policy for them is affordable, covers as much as possible and can help them get back on the road fast. Country Financial doesn’t skimp on service to give you a cheap deal.

Some of the priciest people to ensure are teens, particularly 16-year-old male drivers. Adding them to your family policy rather than buying them a separate one can save you some money. Using that information as our baseline, the top auto insurance providers for teenagers are:

• Nationwide: MoneyGeek score 73 out of 100 ($2,174 per year)
• Allstate: MoneyGeek score 70 out of 100 ($2,341 per year)

Nationwide and Allstate score highly for affordability and coverage. While Nationwide's claims score isn't fabulous, it significantly beats out Allstate. On the other hand, Allstate outperforms Nationwide in customer satisfaction.

A teen's car insurance policy should be reliable and offer the protection they need in case of an accident. Teenage drivers are statistically high-risk drivers and charged higher rates, which also means affordability may also be at the top of your concerns. Nationwide meets these needs and more.

Our top picks for senior auto insurance in Portland are:

• Country Financial: MoneyGeek score 80 out of 100 ($1,009 per year)
• Capital Insurance Group: MoneyGeek score 77 out of 100 ($1,401 per year)

Country Financial might be an excellent choice for senior drivers seeking affordable rates. Although it has a less-than-stellar claims handling record and coverage options, its dedication to its customers may be enough to compensate.

Insurers often charge senior drivers in their 70s more than younger drivers in their 30s, 40s and 50s. Seniors who do some comparison shopping might discover a good deal on auto insurance.

As you get older, it's important to have insurance matching your needs. One thing to look for in a car insurance policy is coverage in the case of an accident, such as personal injury protection (PIP) or medical payments coverage. Discounts may also help. That said, senior drivers are generally considered low-risk and get lower rates.

Portland's top auto insurance providers for drivers with tickets are:

• Country Financial: MoneyGeek score 77 out of 100 ($1,584 per year)
• American Family: MoneyGeek score 76 out of 100 ($1,554 per year)

Country Financial's affordability and customer service may make it a good option for drivers with poor records. If your driving record isn't in good standing, you need an insurer like Country Financial to help you get your footing.

Portland drivers' insurance premiums might vary based on the severity of an infraction. For example, a full coverage policy for those with a DUI may cost around $793 more per year than for those without. Meanwhile, individuals with speeding tickets likely pay an average of $227 more per year than those without.

A good insurance company is ready to work with you if you've had an offense in the past. For example, it may be willing to offer you coverages and discounts to help you improve your driving habits over time. Based on our research, Country Financial can make this possible through its range of budget-friendly car insurance products.

The best companies in Portland for those with a new car are:

• Travelers: MoneyGeek score 76 out of 100 ($1,301 per year)
• Farmers: MoneyGeek score 44 out of 100 ($1,993 per year)

This category was ranked based on affordability and service quality for drivers with a 2022 model car in Oregon, emphasizing insurers offering better or new car replacement coverage. This replaces your car if it’s totaled rather than paying you the depreciated value of your vehicle. Travelers’ low rates and exceptional coverage options make this company worth considering.

Ideally, insurance companies selling policies to drivers with new cars should include new or better car replacement coverages. Travelers’ competitively priced policies and coverage options might appeal to the unique needs of new car drivers.

Choosing the right auto insurance company in Portland depends on your specific needs and history. Here are some frequently asked questions and our answers to them.