Nationwide
$74.25/mo
State Farm
$49.58/mo
Fred Loya
$53/mo
Dairyland
$77.58/mo
Chubb
$84.42/mo
Nationwide
State Farm
Fred Loya
Dairyland
Chubb
Are you a Portland resident planning to buy a new car? Then you'll be looking to buy cheap car insurance. Unfortunately, car insurance in Portland can drain your wallet as it is one of the cities with the most expensive insurance prices in Oregon.
In addition, the high auto theft rates are a reason that contributes to the high insurance costs.
The auto insurance rates in the city are higher than the state average. The insurance rates, however, differ throughout the city depending on your ZIP code, age, and the type of vehicle you drive.
The wide range of costs makes it even more crucial to compare prices before purchasing insurance.
So, how much does auto insurance in Portland cost? Which is the cheap car insurance in Portland? How can you buy cheap auto insurance in Portland? Our guide will give you a detailed look into Portland auto insurance quotes and insurers.
Portland auto insurance rates are higher than the state and national averages. So, a driver has to pay more if they want to buy car insurance in Portland. So, how can you avoid paying high premiums? First, you should compare the insurance quotes from various insurers and buy the most affordable one with enough coverage.
| Portland (annual average) | Oregon (annual average) | United States |
|---|---|---|
| $1,797 | $1,475 | $1,557 |
Our Portland car insurance review includes average rates based on age, credit score, driving history, and marital status. Continue reading to find out more!
Rates for auto insurance might vary significantly from one company to another. With an annual average rate of around $1,257, USAA offers the most affordable premiums for the average insurance customer in Portland. You can opt for Country auto insurance if you don't qualify for USAA.
We have listed the insurers that provide the cheapest car insurance in Portland. After using this information as a starting point, ensure to compare quotes specific to your driving profile.
| Car insurance company | Average Annual Rate |
|---|---|
| USAA | $1,257 |
| Country | $1,408 |
| State Farm | $1,467 |
| Progressive | $1,763 |
Like many other cities, teenage drivers pay the most for auto insurance in Portland. They pay around $6,774 for buying car insurance in Portland. However, among the age groups, drivers in their 50s and 60s pay the lowest for car insurance in Portland.
Drivers in their 50s must pay nearly $1,599 to get Portland auto insurance. The auto insurance rates start lowering as you get out of your teens.
| Age | Average Annual Rate |
|---|---|
| Teens | $6,774 |
| 20s | $2,347 |
| 30s | $1,775 |
| 40s | $1,680 |
| 50s | $1,599 |
| 60s | $1,638 |
| 70s | $2,035 |
Your gender and marital status play an important role in your insurance premiums. For example, like in many other cities, female drivers pay more for Portland auto insurance premiums than male drivers.
The car insurance rate in Portland, Oregon, is lower for married drivers than single drivers.
It is because insurers find single drivers riskier and are likely to file claims often. Widowed and divorced drivers also pay insurance premiums similar to single drivers.
| Gender/Marital Status | Average Annual Rate |
|---|---|
| Male | $1,797 |
| Female | $1,896 |
| Single | $1,797 |
| Married | $1,694 |
| Widowed | $1,803 |
| Divorced | $1,797 |
What's one of the ways to lower your car insurance in Portland? It is by maintaining a clean driving record. The insurance premiums go high if you get at-fault accidents, DUIs, reckless driving citations, and speeding tickets. Without these, the insurers will provide you with low-cost insurance policies.
Portland auto insurance becomes the highest when your driving record has an at-fault accident. The average annual rate will be $3,710, $1,913 more than the average city rate. Citation of reckless driving also increases your auto insurance premiums considerably.
| Offense | Average Annual Rate |
|---|---|
| Reckless Driving | $2,685 |
| DUI/DWI | $2,496 |
| Speeding Ticket | $2,217 |
| At-Fault Accident (damages < $,1000) | $2,548 |
| At-Fault Accident (damages < $2,000) | $3,710 |
Your credit score can greatly impact the cost of car insurance in Portland. In Portland, a rise in credit score from the 'Very Poor' (300-579) to the 'Exceptional' (800-850) tier reduces the insurance rates by more than 50%. Saving money on auto insurance requires moving from the 'Very Poor' to 'Fair' category.
| Credit Rating | Average Annual Rate |
|---|---|
| Very Poor | $3,603 |
| Fair | $2,150 |
| Good | $1,797 |
| Very Good | $1,637 |
| Exceptional | $1,481 |
The area where you live greatly affects the car insurance rate in Portland. Portland auto insurance rates differ by ZIP code, crime, theft, and uninsured drivers differ.
Therefore, if you live in a street where people don't get along, insurance companies may view you as a high risk to cover, which could result in higher rates. Unfortunately, Portland shows no exception for this.
97213,97220, and 97216 are some of the expensive ZIP codes in Portland. Those living in areas with ZIP codes 97224, 97223, and 97229 need to pay lower auto insurance premiums.
A high auto theft rate is one of the main reasons you need to pay high insurance premiums in Portland. Surprisingly, Portland has a high auto theft rate than many other cities in the state.
For instance, in 2019, the theft rate in Portland was around 9.71 per 1,000 persons. But the auto theft rate in cities like Gresham, Eugene, and Hillsboro are around 9.42, 3.50, and 1.90, respectively.
In contrast to most states, Oregon requires liability insurance, uninsured motorist protection, and personal injury protection for drivers. You can see the complete breakdown below.
Portland is the biggest city in Oregon. So, you can imagine how busy the roads will always be. However, one of the country's easiest and most visitor-friendly public transit networks is in this city. These are some useful info you can take while traveling in Portland.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
The annual average rate in Portland is around $1,797. The rate is higher than the state and national averages.
You can get cheap auto insurance in Portland in many ways. But, first, compare the Portland quotes from various insurers and buy the one with the lowest premium.
Yes. When considering the state and national averages, Portland insurance rates are high. An insurance policy will cost around $1,797 annually in Portland. The rates go higher as the auto theft rates in the city are high compared to other Oregon cities.
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