Finding cheap car insurance rates depends on several key factors. The city you live in plays one of the biggest roles in determining your car insurance rate. Even though Portland is a major hub and the most populous city in Oregon, auto insurance rates are not as high as they are elsewhere in the country. Still, when comparing the best car insurance quotes in Portland, it’s crucial to get personalized quotes for your needs to make sure you’re getting the lowest rates.
Compare the Cheapest Car Insurance Quotes in Portland, OR
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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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- CompanyAmountper year
- 1. USAA$770
- 2. GEICO$979
- 3. MetLife$992
- 4. Progressive$1,002
- $1,037
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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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
- ItemDescription
- 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
- CompanyState Minimumper year50 / 100 / 50per year
- 1. USAA$465$521
- 2. GEICO$566$675
- 3. Progressive$629$679
- $683$735
- 5. MetLife$766$795
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1. USAA$716$770
- 2. GEICO$893$979
- 3. Progressive$916$1,002
- $983$1,037
- 5. MetLife$1,024$992
Compare Car Insurance Rates in Portland
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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.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1. USAA$977$1,193$1,274
- 2. State Farm$1,251$1,483$1,251
- 3. Progressive$1,409$1,838$1,234
- $1,337$1,567$1,551
- $1,411$1,411$1,411
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 CodeState Minimumper year
- 97229$1,037
- 97223$1,061
- 97206$1,297
- 97233$1,330
top ratedCar Insurance agentsPortland2021Top Agents Offering Affordable Car Insurance in Portland
1. Dimitri Kondos - State Farm Insurance Agent7304 SE Milwaukie Ave, Portland, OR, 97202
2. Anthony Kondos - State Farm Insurance Agent13768 SE Division St, Portland, OR, 97236
3. Aubrey Holt - State Farm Insurance Agent5915 SW Beaverton Hillsdale Hwy, Portland, OR, 97221
4. GEICO Portland1606 NE 6th Ave, Portland, OR, 97232
5. Chad Humphrey - State Farm Insurance Agent15160 NW Laidlaw Rd, Ste 210, Portland, OR, 97229
Insurance Providers That Serve Portland
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.
Shopping around for car insurance in Portland could save you $202, which is enough to buy:
67Cups of Coffee
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.
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