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UPDATED: May 23, 2017
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One of the jewels of the Pacific Northeastern United States, Portland Oregon ranks as the 29th most populated city. It boasts 548,309 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.
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Facts About Car Insurance in Portland
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.
Specifically to Portland, 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 requirements to the level of insurance one must carry when possessing car insurance within the state of Oregon which apply 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.
Car Insurance Companies in Portland
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.
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Choosing the Right Coverage
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.
People searching for car insurance in the Portland area can expect to spend on average $1,518 per year 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.
A couple of facts to consider when looking at this number are laid out below:
- This rate is about $100/yr. higher than the U.S. national average
- It is also about $350/yr. higher than Oregon’s state average
- 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.