1. Home
  2. The Best Cheap Car Insurance in Portland

Average Cost of Car Insurance in Portland

Portland$607
Maine$607
U.S.$1,424

The average car insurance cost in Portland is the same as the Maine average and much lower than the national average. That average rate is $607 per year which is 57.4% less than the national average.

Compare Car Insurance Rates in Portland

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

The Best Cheap Car Insurance Companies in Portland

USAA has the most affordable car insurance rates in Portland. However, they only serves U.S. military and their families. GEICO is the next cheapest car insurance provider in Portland with an average annual premium of $460. GEICO’s policy is 56% cheaper compared to a typical policy with Progressive, Portland’s costliest car insurance provider.

Scroll for more

swipe icon

Personalized Quotes to Get You the Cheapest Car Insurance in Portland

Auto insurance companies take into consideration a variety of factors to analyze the risk related to a driver and to compute car insurance quotes in Portland. These factors include the driver’s age and gender, the make and model of their vehicle, the ZIP code where they live and more. GEICO’s policy for 18-year-old drivers in Portland costs an average of $1,659, which is nearly $1,200 more than their average plan for 40-year-old drivers, at $460 per year on average. We suggest you get a tailored quote regularly so you can continue to find affordable coverage whenever there are changes in your circumstances.

Compare Car Insurance Rates in Portland

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

Cheapest Car Insurance in Portland by Coverage Amount

How much car insurance coverage you purchase in Portland also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

Visit these guides to learn more:

Maine Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $50,000 per person, $100,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
  • Uninsured Motorist
    $50,000 per person and $100,000 per incident. The minimum coverage may not be enough if you're in a serious accident.

In Portland, Maine, GEICO offers both 50/100/50 liability-only and full-coverage plans. The full-coverage policy covers your expenses if there is an accident, while the liability-only plan only pays for the other vehicle if you're at fault in an accident. The full-coverage plan with GEICO costs an average of $169 more than a liability-only policy, but the extra cost is often worth it considering the additional benefits.

Average Car Insurance Premiums by Coverage Type

Liability Only
Full Coverage
Compare Car Insurance Rates in Portland

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

Cheapest Car Insurance in Portland if You Have Tickets

You should focus on driving safely to save on car insurance costs. Having a speeding ticket or other violation on your driving record can increase your car insurance rates. In Portland, State Farm policyholders who have a speeding ticket or DUI on their record will pay an average of $61 more annually for their car insurance compared to drivers with a clean record.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • 1. USAA
    $412
    $507
    $734
  • $661
    $722
    $661
  • 3. Concord Group
    $663
    $757
    $963
  • $715
    $753
    $1,205
  • $771
    $896
    $920
  • $916
    $782
    $1,048
  • $904
    $1,048
    $1,274
  • $973
    $1,367
    $841

Average Cost of Car Insurance by Postal Code

Your neighborhood also affects your car insurance cost. Factors in your area such as the number of accidents, car thefts, uninsured motorists and more all can affect your insurance premium. In Portland, ZIP codes have a slight effect on auto insurance prices. If you live in ZIP code 04102, you will pay an average of $13 less in yearly car insurance expenses compared to residents of the 04101 neighborhood, the city's most expensive ZIP related to auto insurance rates.

  • Zip Code
    State Minimumper year
  • 04102
    $601
  • 04103
    $605
  • 04101
    $614

Factors That Impact Insurance Costs in Portland

In addition to individual driver needs and history, location-specific factors like the rate of car thefts and the percentage of uninsured motorists also contribute to car insurance rates in Portland. How Portland ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities139th/300
handcuffs2 icon
Most Car Thefts1st/300
uninsured icon
Most Uninsured Motorists by State51st/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall49th/300
umbrella icon
Most Rainy Days46th/300

Shopping around for car insurance in Portland could save you $147, which is enough to buy:


coffee icon
49Cups of Coffee
display2
11Months of Your Favorite Streaming Service

Methodology and Assumptions

MoneyGeek’s average premium rates for Portland are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

Compare Car Insurance Rates in Portland

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

About the Author


expert-profile

The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.