The best car insurance in Portland, OR

The average cost of car insurance in Oregon 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. We found that the cheapest car insurance companies in Portland are State Farm, USAA, GEICO, COUNTRY Financial, and Travelers.

Rates vary across the city, though, based on factors like your ZIP code, age, and what car you drive. Policygenius can help you compare car insurance policies to find the right one for your budget and needs.

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. But rates also vary by company, which is why it's so important to shop around.

Here are the top five cheapest car insurance companies in Portland:

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
97211	$1,959
97212	$1,866
97213	$1,909
97214	$1,810
97215	$1,907
97216	$2,110
97217	$1,896
97218	$2,059
97219	$1,714
97220	$2,106
97221	$1,717
97227	$1,838
97230	$2,006
97232	$1,812
97233	$2,146
97236	$2,111
97239	$1,758
97258	$1,756
97266	$2,173

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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
Suspended license	$1,316	$1,963	$3,277	$2,477	$2,625
Open container	$1,316	$1,937	$2,821	$2,096	$2,232
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
Not showing documents	$1,316	$1,591	$1,437	$2,096	$2,232
Running a red light	$1,316	$1,591	$1,742	$2,096	$2,232
Failure to yield	$1,316	$1,591	$1,742	$2,096	$2,232
Following too closely	$1,316	$1,591	$1,742	$2,096	$2,232
Hit and run	$1,316	$2,181	$3,035	$2,477	$2,625
Illegal turn	$1,316	$1,591	$1,742	$2,096	$2,263
Improper passing	$1,316	$1,591	$1,742	$2,096	$2,263
Not-at-fault accident	$1,195	$1,246	$1,487	$1,560	$1,763
Passing a school bus	$1,316	$1,937	$1,742	$2,096	$2,625
Racing	$1,316	$2,068	$3,277	$2,477	$2,625
Reckless driving	$1,316	$1,937	$3,277	$2,477	$2,625
Speeding	$1,316	$1,591	$2,821	$2,096	$2,625

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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. Insurance companies usually offer more competitive rates to those with good credit.

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 are:

• 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.

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.