Compare Portland, OR Car Insurance Rates (2021)

Car insurance in Portland, OR averages $360 a month. Portland, Oregon car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Portland car insurance rates, compare quotes from the top car insurance companies in Portland, OR.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Portland, OR after a DUI are $5,083/year
  • Average car insurance rates in Portland, OR are $4,315/year
  • The cheapest car insurance company in Portland for teen drivers is USAA

If you need to buy Portland, Oregon car insurance, the options can be confusing. Everything you need to know about car insurance in Portland, OR is right here.

You’ll find Portland car insurance rates, the cheapest Portland, OR car insurance companies, and information on Oregon car insurance laws. You can also compare Portland, Oregon car insurance rates to Gresham car insurance rates, Bend car insurance rates, and Corvallis car insurance rates.

Ready to find affordable Portland, OR car insurance today? Enter your ZIP code for fast, free Portland car insurance quotes.

Cheapest Portland, OR Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Portland, OR car insurance rates? Every Portland, Oregon car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Portland, Oregon

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,704 $3,422 $3,393 $3,424 $11,496 $12,770 $3,831 $3,818
American Family $2,922 $2,922 $2,602 $2,602 $7,291 $11,487 $2,922 $3,054
Farmers $2,752 $2,698 $2,427 $2,589 $11,755 $12,061 $3,077 $3,140
GEICO $2,709 $2,617 $2,552 $2,595 $7,107 $6,433 $2,884 $2,457
Liberty Mutual $3,370 $3,555 $2,921 $3,256 $11,063 $11,945 $3,229 $3,240
Nationwide $2,919 $2,894 $2,595 $2,708 $6,899 $8,620 $3,432 $3,609
Progressive $2,273 $2,048 $1,980 $2,039 $9,992 $10,991 $2,712 $2,545
State Farm $2,198 $2,198 $2,025 $2,025 $7,166 $9,002 $2,499 $2,860
Travelers $2,333 $2,364 $2,129 $2,223 $6,920 $8,546 $2,436 $2,485
USAA $1,811 $1,750 $1,806 $1,733 $5,613 $5,999 $2,336 $2,413

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Minimum Car Insurance in Portland, OR

Every driver must carry the minimum car insurance in Portland, OR. Take a look at the Oregon car insurance requirements.

Minimum Required Car Insurance Coverage in Portland, Oregon

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

Cheapest Portland, OR Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Portland, OR. Compare credit history car insurance rates in Portland from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Portland, Oregon

Insurance Company Poor Fair Good
Allstate $7,545 $5,294 $4,358
American Family $5,686 $4,199 $3,540
Farmers $5,824 $4,806 $4,557
GEICO $4,430 $3,670 $2,909
Liberty Mutual $7,805 $4,610 $3,553
Nationwide $5,095 $4,040 $3,494
Progressive $4,843 $4,203 $3,921
State Farm $5,238 $3,336 $2,665
Travelers $4,566 $3,621 $2,852
USAA $4,389 $2,454 $1,955

Cheapest Portland, OR Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Portland, OR to rates for a clean record with top companies.

Annual Portland, Oregon Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,576 $6,248 $6,472 $5,633
American Family $3,122 $4,722 $6,051 $4,005
Farmers $4,271 $5,512 $5,389 $5,077
GEICO $2,396 $3,865 $5,117 $3,300
Liberty Mutual $4,712 $5,280 $6,058 $5,240
Nationwide $3,558 $3,816 $5,430 $4,034
Progressive $3,246 $5,978 $4,194 $3,872
State Farm $3,309 $4,358 $3,659 $3,659
Travelers $2,972 $3,815 $4,306 $3,626
USAA $2,117 $2,971 $4,158 $2,485

Cheapest Portland, OR Car Insurance for Teen Drivers

Teen car insurance in Portland, OR can be expensive. Take a look at rates from the top car insurance companies in Portland for teenagers.

Annual Car Insurance Rates for Teen Drivers in Portland, Oregon

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,496 $12,770
American Family $7,291 $11,487
Farmers $11,755 $12,061
GEICO $7,107 $6,433
Liberty Mutual $11,063 $11,945
Nationwide $6,899 $8,620
Progressive $9,992 $10,991
State Farm $7,166 $9,002
Travelers $6,920 $8,546
USAA $5,613 $5,999

Cheapest Portland, OR Car Insurance for Seniors

Take a look at Portland, OR senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Portland, Oregon

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,393 $3,424
American Family $2,602 $2,602
Farmers $2,427 $2,589
GEICO $2,552 $2,595
Liberty Mutual $2,921 $3,256
Nationwide $2,595 $2,708
Progressive $1,980 $2,039
State Farm $2,025 $2,025
Travelers $2,129 $2,223
USAA $1,806 $1,733

Cheapest Portland, OR Car Insurance Rates After a DUI

A DUI in Portland, OR increases car insurance rates. Compare Portland, Oregon DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Portland, Oregon

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,472
American Family $6,051
Farmers $5,389
GEICO $5,117
Liberty Mutual $6,058
Nationwide $5,430
Progressive $4,194
State Farm $3,659
Travelers $4,306
USAA $4,158

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Cheapest Portland, OR Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Portland, OR by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Portland, Oregon

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,732 $5,732
American Family $4,405 $4,545
Farmers $5,062 $5,062
GEICO $3,610 $3,729
Liberty Mutual $5,323 $5,323
Nationwide $4,210 $4,210
Progressive $4,323 $4,323
State Farm $3,647 $3,846
Travelers $3,531 $3,829
USAA $2,849 $3,017

Cheapest Portland, OR Car Insurance Rates by ZIP Code

Portland car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Portland, OR.

Annual Car Insurance Rates by ZIP Code in Portland, Oregon

ZIP Code Average Annual Rates
97201 $3,818
97202 $4,105
97203 $4,205
97204 $3,997
97205 $3,858
97206 $4,454
97209 $3,961
97210 $3,836
97211 $4,344
97212 $4,126
97213 $4,274
97214 $3,979
97215 $4,338
97216 $4,582
97217 $4,218
97218 $4,472
97219 $3,778
97220 $4,548
97221 $3,898
97222 $3,952
97223 $3,745
97224 $3,581
97225 $3,797
97227 $4,085
97229 $3,764
97230 $4,548
97231 $3,827
97232 $3,970
97233 $4,674
97236 $4,676
97239 $3,876
97258 $3,883
97266 $4,694
97267 $3,852

The Best Cheap Car Insurance Companies in Portland, OR

Take a look at a side-by-side comparison of the top car insurance companies in Portland, OR to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Portland, Oregon

Insurance Company Average Annual Rates
Allstate $5,732
American Family $4,475
Farmers $5,062
GEICO $3,670
Liberty Mutual $5,323
Nationwide $4,210
Progressive $4,323
State Farm $3,746
Travelers $3,680
USAA $2,933

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Category Winners: Cheapest Car Insurance in Portland, Oregon

Find the cheapest car insurance companies in Portland, OR for each category right here.

Best Annual Car Insurance Rates by Company in Portland, Oregon

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Cheapest Portland, OR Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Portland car insurance rates. Find the cheapest Portland, OR car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Portland, Oregon

Insurance Company Low Medium High
Allstate $5,474 $5,720 $6,003
American Family $4,443 $4,738 $4,244
Farmers $4,715 $4,990 $5,482
GEICO $3,318 $3,692 $3,999
Liberty Mutual $4,967 $5,308 $5,692
Nationwide $3,992 $4,328 $4,309
Progressive $4,153 $4,300 $4,514
State Farm $3,521 $3,755 $3,963
Travelers $3,414 $3,656 $3,969
USAA $2,797 $2,937 $3,065

What affects car insurance rates in Portland, Oregon?

What factors can have an impact on Portland, OR car insurance? There are several reasons why Portland car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Portland, Oregon.

Car Theft in Portland

High levels of vehicle theft can make car insurance more expensive. Portland, OR car theft statistics from the FBI indicate 6,932 vehicle thefts a year.

Commute Time in Portland

The more time you spend in your car the higher the risk of an accident. The average commute length in Portland, OR is 26.5 minutes according to City-Data.

Traffic in Portland

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Portland, OR traffic data from INRIX ranks Portland as the 115th-most congested in the world.

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Compare Car Insurance Quotes in Portland, OR

Ready to find affordable Portland, Oregon car insurance today? Enter your ZIP code for fast, free Portland, OR car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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