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Average Cost of Car Insurance in Portland

Portland$1,181
Oregon$1,181
U.S.$1,424

In Portland, the average annual cost of vehicle insurance is $1,181, which is the same as the state average and lower than the national average. Drivers in Portland spend around the same as their fellow drivers in the state of Oregon while spending 17.1% less than the national average.

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The Best Cheap Car Insurance Companies in Portland

The most affordable car insurance company in Portland is USAA. However, USAA only serves members of the military, their families and retired veterans.

The cheapest option for the typical American in Portland is GEICO. In comparison, the company with the most expensive car insurance rate is Allstate, with a difference of roughly 48.8% in pricing between the two providers.

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Personalized Quotes to Get You the Cheapest Car Insurance in Portland

When looking for car insurance quotes in Portland, insurance providers rely on several metrics to determine the risk of insuring a driver. Factors such as age, driving history, ZIP code and gender can significantly impact a driver’s premiums. It’s highly recommended for a driver to receive personalized quotes to get better rates.

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

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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:

Oregon Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $20,000 for property damage. A more protective level is 100/300/100.
  • Uninsured Motorist
    $25,000 per person and $50,000 per incident. The minimum coverage may not be enough if you're in a serious accident.
  • Personal Injury Protection
    $15,000 per person.

Different insurance plans have different limits for every level and type of coverage. GEICO offers 50/100/50 liability-only, 50/100/50 full coverage and 100/300/100 full coverage. A 50/100/50 policy covers $50,000 in medical bills, with a $100,000 total per vehicle and $50,000 worth of property damage repairs.

A full-coverage GEICO policy that covers your own expenses in an accident is roughly $218 more expensive than liability-only coverage. The difference between GEICO’s 50/100/50 and 100/300/100 policies is $86. Considering that a 100/300/100 policy provides $100,000 in individual injury coverage (up to $300,000 per vehicle) and $100,000 in property damage repairs, the extra $86 may be a good investment depending on your financial situation.

Average Car Insurance Premiums by Coverage Type

Liability Only
Full Coverage
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Cheapest Car Insurance in Portland if You Have Tickets

Among the biggest penalties of a speeding ticket or at-fault accident is the higher premiums on your insurance. In Portland, MetLife policyholders will pay an average of $1,083 more for their car insurance if they have speeding tickets compared to drivers with a clean record. Drivers who have a DUI on their record will need to pay an average of $1,234 more than drivers with a clean record if they have a GEICO policy.

Average Cost of Car Insurance by Postal Code

Where you live within Oregon also plays a significant role in determining your car insurance rates, and that rings true for car insurance quotes in Portland. Each ZIP code has different rates of auto accidents, car theft and more factors that insurance companies analyze when assessing a driver's risk level. The city’s most affordable neighborhood for auto coverage is 97229, and drivers in this area typically pay around $293 less than drivers in the 97233 ZIP code, the region's most expensive ZIP code.

  • Zip Code
    State Minimumper year
  • 97229
    $1,037
  • 97223
    $1,061
  • 97206
    $1,297
  • 97233
    $1,330
iconribbontop ratedCar Insurance agentsPortland2021

Top Agents Offering Affordable Car Insurance in Portland

1. Dimitri Kondos - State Farm Insurance Agent7304 SE Milwaukie Ave, Portland, OR, 97202
25 ratings
2. Anthony Kondos - State Farm Insurance Agent13768 SE Division St, Portland, OR, 97236
11 ratings
3. Aubrey Holt - State Farm Insurance Agent5915 SW Beaverton Hillsdale Hwy, Portland, OR, 97221
11 ratings
4. GEICO Portland1606 NE 6th Ave, Portland, OR, 97232
8 ratings
5. Chad Humphrey - State Farm Insurance Agent15160 NW Laidlaw Rd, Ste 210, Portland, OR, 97229
7 ratings

Factors That Impact Insurance Costs in Portland

In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements 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 Fatalities193rd/300
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Most Car Thefts272nd/300
uninsured icon
Most Uninsured Motorists by State21st/50
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Personal Injury Protection RequiredYes
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Most Annual Rainfall157th/300
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Most Rainy Days13th/300

Shopping around for car insurance in Portland could save you $202, which is enough to buy:


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67Cups of Coffee
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16Months 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


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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.