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: Jan 20, 2021

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Here's what you need to know...

  • Portland is a large city with over three million registered drivers
  • Portland car insurance requirements are the same as the state of Oregon
  • Because of risk factors, male drivers tend to pay more for auto insurance than females
  • The type of vehicle you drive will impact your car insurance rates in Portland

One of the jewels of the Pacific Northeastern United States, Portland Oregon ranks as the 29th most populated city. It boasts over 540,000 registered drivers within the city and surrounding areas as of a 2010 Oregon DMV Report.

Whether living and working or simply visiting the city of Portland, much like many other cities and states throughout the U.S., possessing car insurance is a must. Every registered driver must have car insurance in Portland, Oregon.

Enter your zip code in the box above to begin comparing car insurance for free.

Monthly Portland, OR Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your car insurance rates because factors like crime and traffic are calculated by ZIP code. Check out the monthly Portland, Oregon auto insurance rates by ZIP Code below:

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Portland, OR Car Insurance Rates by Company vs. City Average

Which Portland, OR car insurance company has the best rates? And how do those rates compare against the average Oregon car insurance company rates? We’ve got the answers below.

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The Cheapest Portland, OR Car Insurance Rates by Credit Score

Your credit score will play a significant role in your Portland car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Portland, OR car insurance rates by credit score below.

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Portland, OR Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Portland, Oregon stack up against other top US metro areas’ auto insurance rates? We’ve got your answer below.

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The Cheapest Portland, OR Car Insurance Rates by Coverage Level

Your coverage level will play a major role in your Portland car insurance rates. Find the cheapest Portland, OR car insurance rates by coverage level below:

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Average Monthly Car Insurance Rates by Age & Gender in Portland, OR

These states are no longer using gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a major factor because young drivers are often considered high-risk. OR does use gender, so check out the average monthly car insurance rates by age and gender in Portland, OR.

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Portland, OR Car Insurance Rates by Company and Age

Portland, OR car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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The Cheapest Portland, OR Car Insurance Rates by Driving Record

Your driving record will play a major role in your Portland car insurance rates. For example, other factors aside, a Portland, OR DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Portland, OR car insurance rates by driving record.

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Factors Affecting Car Insurance Rates in Portland, OR

Factors affecting car insurance rates in Portland, OR may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Portland, Oregon car insurance.

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Facts About Portland Car Insurance

Portland is a big city, with 3.1 million registered drivers in 2020 according to the Oregon DMV. With that many drivers on the road, there are a number of things a person needs to understand about having car insurance in the city of Portland.

First, there are state mandated car insurance laws which remain the same for every city within the state of Oregon:.

All registered drivers within the state must possess car insurance. They also must possess all minimum levels of car insurance as determined by the state.

Specific to Oregon car insurance laws, registered drivers must also be able to provide proof of insurance whenever they operate any motor vehicle, are stopped for a traffic violation, or when involved in an automobile accident.

The police will enforce this requirement as directed by state mandates.

As mentioned earlier, there are minimum car insurance requirements one must carry when driving within the state of Oregon, which applies to registered drivers in the city of Portland.

There are four minimum requirements for all drivers and they are as follows:

  • Bodily Injury and Death– A minimum $25K to cover one person in one accident and $50K to cover all injuries
  • Property Damages— A minimum $10K
  • Uninsured Motorist Coverage– A minimum $25K to cover one person in one accident and $50K to cover all injuries
  • Personal Injury Protection (PIP)– A minimum of $15K

Although the city of Portland and state of Oregon only require minimum levels of insurance, motorists have the option to carry more coverage to further protect themselves from these types of lawsuits.

Another thing to keep in mind that Portland law requires one driver to be found at-fault when involved in an automobile accident.

By determining the at-fault driver, it makes determining whose insurance company will be held liable for damages and repair costs.

In many instances, this will be determined by the officer reporting to the scene of the accident.

Paperwork will be issued and should be retained as car insurance companies will ask for proof of this during their follow-up investigations should they be needed.

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Portland Car Insurance Companies

Portland, being a larger city has many different car insurance companies and agencies such as Allstate, State Farm, Farmers, Allied, Nationwide, MetLife, Progressive, and more.

Not only that, but there are a number of individual agents who may sell multiple companies products based on the individual needs of their clients.

All of these companies have been in the business for some time and are proven in providing quality service to their customers.

The use of comparison websites and services are highly recommended when looking to purchase car insurance or switch from one car insurance company to another.

Free Car Insurance Comparison

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

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Choosing the Right Car Insurance in Portland

One of the first things most people look at when trying to determine which car insurance is right for them is the cost. Although coverage is important, especially in this down economy, price does matter. How much is car insurance in Portland, Oregon?

People searching for car insurance quotes in Portland area can expect to spend on average $100 per month on car insurance.

This average car insurance rate assumes it is a normal vehicle (i.e. not a sports car, motorcycle, monster truck, etc.), a consistently solid driving record, and a good credit rating.

If you’re wondering who has the cheapest auto insurance in Oregon, there a couple of facts to consider when looking at car insurance rates:

  • Drivers with a poor credit rating should expect to pay up to 45 percent more for their car insurance based on their bad credit alone
  • High-risk drivers should also expect to be placed on SR-22 insurance and pay 2-3 times more than the average driver would for standard insurance

Common Statistics for Purchasing Auto Insurance

There are also a few things to remember when looking to purchase car insurance within the city of Portland.

Statistics for the city as well as national statistics have shown male drivers prove to be more at risk for driving faster and being involved in accidents.

They are also more likely to drive while intoxicated and to drive more recklessly than their female counterparts.

This is not to say every single male behind the wheel of a car will do this, and it is not to say female drivers will not also do some of these things, but insurance companies have decades of data to show more likelihood of male drivers placing themselves in the aforementioned scenarios.

Because of these car insurance statistics, male drivers can expect to pay more than female drivers initially when purchasing car insurance.

With a clean driving record and remaining free from at-fault accidents, over time, these rates will fall more in line with those a female will pay for the same level of car insurance.

Car Types Affect Insurance Costs

Car insurance premiums will fluctuate with the type of car a person chooses to own.

Convertibles are notorious for having higher car insurance rates due to the fact there is no top to keep the driver or passenger safe in the event the vehicle should roll over.

Although it may seem like a safety precaution, pickup trucks with a roll bar installed also warrant higher rates.

Even though the roll bar is there for safety, the temptation to drive more recklessly because of it makes the vehicle more of a risk thus driving up car insurance rates.

Another statistic to keep in mind is the more powerful the engine, the more likely car insurance rates will be higher, and this goes especially for teenage and younger drivers.

Again, it is not to say those drivers are not good drivers, but there is more temptation to use that power if it is there, so car insurance companies take these things into consideration as well when determining premiums.

A 4-cylinder engine will not only save a lot more gas than a V8, but it will also save money on car insurance premiums.

There are a number of things to consider when selecting a car insurance company in Portland, OR. No matter the company a driver chooses, it is important they know and understand the state and city laws.

Knowing what the state car insurance required and the minimum levels of insurance needed in Portland will ensure they are protected in the even the insurance is ever needed.

They will also want to know, the statistics that help determine car insurance rates, as well as some helpful tips to keep in mind when selecting a vehicle to insure will help save the consumer money over time.

Keeping these things in mind will aid in selecting the best vehicle for the person without worrying about breaking the bank to insure it.

Comparing the top car insurance companies side by side will not only allow the consumer to see the difference in overall rates, benefits, and packages.

Enter your ZIP code and find affordable car insurance for FREE!