The best car insurance in Portland, OR

By

Lena Borrelli

Lena Borrelli

Insurance Expert

Lena Borrelli is a freelance contributor at Policygenius. With a diverse professional background, Lena spent time in finance, web marketing, and hospitality before settling into full-time life as a freelance writer.

Published November 22, 2021

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The average cost of Oregon car insurance is $1,461 per year, but drivers in Portland pay over $400 more for car insurance, at an average cost of $1,899 per year. Rates vary across the city, though, based on factors like your ZIP code, age, and what car you drive. The range of prices makes it all the more important that you shop around before buying insurance.

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Key Takeaways

  • State Farm has the lowest average rate for car insurance at $1,183 per year

  • GEICO has the cheapest car insurance for Portland drivers with bad credit, at an average cost of $1,843 per year

  • Drivers in Portland are required to carry a minimum of bodily injury liability of $25,000 per person and $50,000 per accident, as well as $20,000 in property damage liability and personal injury liability of $15,000 per person

  • Portland drivers must also carry the state’s minimum liability of uninsured/underinsured motorist coverage, which is $25,000 per person and $50,000 per accident

Cheapest car insurance companies in Portland, OR

Your car insurance premium is calculated based on a series of specific factors, such as your credit score, driving history, and the make and model of your vehicle. Insurers will also look at your annual mileage to determine how much time you spend on the road and the corresponding risk that comes with it.

Company

Average cost

JD Power Rating

State Farm

$1,183

881

USAA

$1,269

890

GEICO

$1,328

871

COUNTRY Financial

$1,464

863

Travelers

$1,676

861

Cheapest car insurance rates by ZIP code in Portland, OR

Car insurance in Portland costs more on average than almost every other city in Oregon, but your rates may not be as high depending on your ZIP code. Insurance companies consider your ZIP code when setting your premiums and certain areas may pay more because they have higher crime rates, a higher rate of uninsured drivers, or an elevated risk of damage from floods and wildfires.

ZIP code

Average cost

97201

$1,684

97202

$1,842

97203

$1,925

97204

$1,840

97205

$1,789

97206

$2,043

97209

$1,767

97210

$1,729

Choosing the right car insurance company in Portland, OR

The average cost of car insurance in Portland is $1,899 per year, which is above average for the state of Oregon. With costs so high, it is imperative that you shop around and compare your options to find a policy offering all the coverage you need for an affordable price. Insurers may also offer specific programs or discounts that could help you save. For example, some companies may discount your rates more than others if you don’t drive a lot. Telematics have also become more popular, with discounted rates possible if you drive safely. People who are in military families or work in certain professions may have access to discounts from some companies.

Car insurance rates for drivers with driving violations in Portland, OR

Your driving record is one of the best ways for an insurance company to assess the risk of insuring you as a driver. If you have a history of serious offenses, it could increase how much you pay for insurance. Rates can still vary greatly by insurer, though. So if you have offenses on your driving record, it’s especially important to shop rates from multiple car insurance companies to find the best fit for you.

Violation

State Farm

USAA

GEICO

COUNTRY Financial

Travelers

At-fault Accident

$1,559

$1,864

$2,254

$2,364

$2,364

DUI

$1,316

$2,068

$2,821

$2,477

$2,625

Driving with a suspended license

$1,316

$1,963

$3,277

$2,477

$2,625

Driving with an open container

$1,316

$1,937

$2,821

$2,096

$2,232

Driving with expired registration

$1,316

$1,591

$1,437

$2,096

$2,232

Driving without Lights

$1,316

$1,246

$1,742

$2,096

$2,232

Failure to show documents

$1,316

$1,591

$1,437

$2,096

$2,232

Failure to stop at a red light

$1,316

$1,591

$1,742

$2,096

$2,232

Cheapest car insurance for drivers with bad credit in Portland, OR

Your credit score is another factor that insurance companies can use in calculating car insurance. When you have a high credit score, it shows that you have a history of making timely and responsible payments, but a bad credit score generally suggests the opposite. Studies have also shown that people with lower credit scores are more likely to file a car insurance claim than people with higher credit scores. As a result, insurance companies usually offer more competitive rates to those with good credit.

Company

Rates for drivers with bad credit

GEICO

$1,843

COUNTRY Financial

$2,422

Oregon Mutual

$2,494

Nationwide

$2,502

Mutual of Enumclaw

$2,834

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Buying car insurance in Portland, OR

Oregon is an at-fault state, which means that the driver found responsible for the accident is also responsible for paying any resulting damages. Drivers in Portland must also maintain a minimum amount of car insurance coverage to legally drive. This includes many of the standard protections seen in other states, like bodily injury liability and property damage coverage. However, Portland car insurance policies must also include personal injury protection (PIP) with a specific amount of uninsured and underinsured motorist protection.

The minimum car insurance requirements in Portland include the following:

  • Bodily injury liability coverage per person: $25,000

  • Bodily injury liability coverage per accident: $50,000

  • Property damage liability coverage: $20,000

  • Personal injury protection: $15,000 per person

  • Uninsured/underinsured motorist coverage: Equal to the state’s liability minimums of $25,000 per person and $50,000 per accident

While you must always purchase the minimum insurance required, you should consider purchasing additional coverage to reduce your liability should you need to file a claim in the future.

How to get cheap car insurance in Portland, OR

There are several ways to lower the cost of your car insurance and save money on your annual premium.

  • Ask about discounts. Car insurance companies offer many ways to get discounts, like getting good grades in school, paying your annual premium in full upfront, or bundling your home and auto insurance.

  • Consider your mileage. When you lower the amount you drive each year, car insurance companies often lower your premium to reflect the reduced risk.

  • Practice safe driving. Many insurance providers will offer an additional discount when you successfully pass an approved defensive driving course.

Finally, our Policygenius car insurance shopping tool can help you compare rates from multiple providers in one place so that you can find the best car insurance for you.

Frequently asked questions

What is the average cost of car insurance in Oregon?

The average cost of car insurance in Oregon is $1,461 per year, although the cost of your insurance may vary based on the coverage you need and the provider you choose.

What is the average cost of car insurance in Portland?

The average cost of car insurance in Portland is $1,889 per year, which is about $400 more than the average cost of car insurance in Oregon.

How do I save money on car insurance in Portland?

There are several ways to save on your car insurance, including car insurance discounts, increasing your deductible, and shopping around for the most affordable insurance coverage that meets your needs.

How much car insurance do I need in Portland?

Portland drivers must have a minimum of bodily injury liability of $25,000 per person and $50,000 per accident, plus $20,000 in property damage liability and personal injury liability of $15,000 per person.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.