Cheapest Car Insurance Quotes in Portland

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Portland Car Insurance

^$ 56

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. 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.

Table of Contents

How Much Is Car Insurance in Portland

The car insurance rate in Portland is $1241 for a six-month policy, which is $361 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $544, making it a popular choice for budget-conscious drivers. Rates in Portland can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Portland

$1241

Avg. Car Insurance in Oregon

$880

National Average

$1278

Cheapest Car Insurance Companies in Portland

1st place: Kemper

At $544 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Capital Insurance Group

Capital Insurance Group offers auto insurance rates at $863 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American Family

American Family offers auto insurance rates at $955 for six months, making it the third cheapest auto insurance company in Portland.

Portland Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Portland, OR is Kemper, offering policies at just $544 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $863.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2362 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Portland drivers find the best deals.

Cheap Car Insurance Companies in Portland, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$544	$93
Capital Insurance Group	$863	$144
American Family	$955	$161
Travelers	$1072	$180
Progressive	$1097	$185
Encompass	$1139	$190
USAA	$1173	$197
Nationwide	$1182	$199
State Farm	$1189	$200
Country Financial	$1214	$204
Mutual of Enumclaw	$1567	$266
Farmers	$1792	$302
Allstate	$2362	$398

Key Takeaways

Way's key takeaways about car insurance in Portland

The auto insurance costs in Portland fall around $544 for six months.
The cheapest auto insurance company in Portland is Kemper.
Teen drivers pay the highest rate in Portland at $1424 per month.

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Cheapest Minimum Liability Car Insurance in Portland

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Portland are given below.

Kemper provides the cheapest minimum car insurance coverage in Portland. Their Average 6 Month Premium is $336. Allstate is the most expensive at $1248 for the same period.

Cheapest Liability Coverage in Portland, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$336	$56
Capital Insurance Group	$444	$76
State Farm	$478	$80
USAA	$478	$80
American Family	$502	$85
Travelers	$502	$85
Progressive	$510	$86
Country Financial	$595	$100
California Casualty	$636	$106
Nationwide	$670	$113
Farmers	$929	$157
Allstate	$1248	$210

Cheapest Full Coverage Car Insurance in Portland

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Portland is Kemper at $93 per month and $544 for six months.

Cheapest Full Coverage Car Insurance Quotes in Portland, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$544	$93
Capital Insurance Group	$863	$144
American Family	$955	$161
Travelers	$1072	$180
Progressive	$1097	$185
Encompass	$1139	$190
USAA	$1173	$197
Nationwide	$1182	$199
State Farm	$1189	$200
Country Financial	$1214	$204
Mutual of Enumclaw	$1567	$266
Farmers	$1792	$302
Allstate	$2362	$398

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Average Car Insurance in Portland by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Portland, OR increasing?

Despite maintaining a clean driving record, your car insurance rates in Portland, Oregon, may be increasing due to several external factors. Oregon has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Portland's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Portland

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$809
30s	USAA	$660
40s	USAA	$612
50s	USAA	$588
60s	USAA	$612
70s	USAA	$744

Cheapest Car Insurance Rates for Teen Drivers in Portland,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Portland at $52 per month. At $8459 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$310	$52
Capital Insurance Group	$527	$87
Country Financial	$1743	$293
USAA	$1851	$312
Travelers	$1877	$316
State Farm	$2219	$374
American Family	$2738	$461
Progressive	$2864	$482
Nationwide	$5469	$931
Allstate	$8459	$1424
Farmers	$8459	$1424

Teen Car Insurance Rates in OR by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Portland.

As young drivers face the highest rates in Portland, USAA offers the cheapest auto insurance rates at $809 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Portland, Kemper is the cheapest car insurance provider. At $561 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Portland is State Farm, offering rates of around $5712 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$561	$93
Capital Insurance Group	$653	$111
Nationwide	$812	$135
Progressive	$1206	$203
American Family	$1466	$247
Country Financial	$1607	$271
Travelers	$1692	$285
USAA	$2111	$360
Allstate	$4296	$716
Farmers	$4564	$776
State Farm	$5712	$952

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Car Insurance Rates with An Accident in Portland

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Portland, OR, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Portland

The cheapest car insurance companies after an at-fault accident in Portland include Kemper and Capital Insurance Group, offering $444 and $527, respectively. Allstate is an expensive provider with an average six-month premium of $3735.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$444	$73
Capital Insurance Group	$527	$90
Capital	$595	$99
Encompass	$661	$113
State Farm	$905	$152
Travelers	$1005	$169
USAA	$1063	$179
Progressive	$1189	$200
American Family	$1340	$226
Nationwide	$1340	$226
Country Financial	$1407	$237
Farmers	$3074	$517
Allstate	$3735	$629

Portland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Portland OR. For example, the car insurance in Portland after a DUI increases to $878 for a six month policy. While the rate increases by $317 for a six-month policy in the case of a speeding ticket.

Portland auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1182	$197
One Med/PIP claim	$1182	$200
Not-at-fault accident	$1222	$204
One comp claim	$1248	$212
Two Med/PIP claims	$1265	$210
Failure to wear a seat belt	$1348	$230
Two comp claims	$1382	$230
Child safety restraint	$1399	$238
Failure to show documents	$1399	$233
Driving without lights	$1407	$240
Driving with expired registration	$1441	$240
Speeding 11 - 15 MPH over limit	$1499	$255
Speeding 16 - 20 MPH over limit	$1499	$250
Speeding 6 - 10 MPH over limit	$1499	$255
Cell phone violation	$1507	$251
Driving too slowly	$1507	$257
Failure to yield	$1507	$251
Following too closely	$1507	$257
Illegal turn	$1507	$251
Texting while driving	$1507	$257
Wrong way/wrong lane	$1507	$251
Failure to stop at a red light	$1516	$258
Improper passing	$1516	$252
Passing school bus	$1575	$268
Speeding in school zone	$1575	$262
In 65 MPH zone	$1600	$272
Speeding 21 - 25 MPH over limit	$1607	$268
Open container	$1658	$282
At-fault accident - less than $1000	$1700	$283
Operating a vehicle without permission	$1709	$290
At-fault accident - $1000-$2000	$1809	$302
At-fault accident - greater than $2000	$1809	$307
Refusal to submit to a chemical test	$2026	$338
Racing	$2035	$345
DUI	$2060	$344
Reckless driving	$2068	$351
Driving with a suspended license	$2085	$348
Leaving scene of an accident/hit and run	$2153	$367

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Portland after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Portland.

The cheapest car insurance premiums in Portland are offered by Capital Insurance Group at $612 for a six-month policy. However, it can be as expensive as $3291 with companies like Nationwide.

Portland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$612	$104
Kemper	$754	$125
Progressive	$938	$158
Travelers	$1206	$203
State Farm	$1265	$213
American Family	$1416	$238
USAA	$1575	$265
Farmers	$2957	$498
Country Financial	$3006	$506
Allstate	$3040	$512
Nationwide	$3291	$560

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Portland are offered by Kemper at $410. However, it can be as expensive as $3844 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Portland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$410	$69
Capital Insurance Group	$494	$85
Nationwide	$670	$111
State Farm	$787	$133
Progressive	$1005	$169
American Family	$1014	$171
Travelers	$1222	$206
USAA	$1239	$210
Country Financial	$1290	$217
Allstate	$3074	$523
Farmers	$3844	$640

Car Insurance Price Trends in Portland, Oregon

Car insurance rates in Portland have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Portland rose by $281 in January compared to $271 of December. In other words, there has been an increase by $10 when you compare January and December.

The average cost of liability insurance in the Portland remained steady at $100 in both January and December, indicating no change over the two month period.

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Average Car Insurance Cost in Portland by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Portland. At $1290 for a six-month policy, insuring your car at 97219 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
97219	$1290	$217
97215	$1265	$212
97216	$1253	$210
97239	$1253	$210
97217	$1278	$214
97218	$1253	$210
97211	$1278	$214
97233	$1290	$217
97212	$1265	$212
97213	$1278	$214
97214	$1265	$212
97236	$1290	$217
97230	$1290	$217
97231	$1240	$208
97210	$1253	$210
97232	$1253	$210
97209	$1265	$212
97204	$1240	$208
97205	$1240	$208
97227	$1240	$208
97206	$1302	$219
97229	$1327	$223
97222	$1278	$214
97266	$1278	$214
97201	$1253	$210
97267	$1278	$214
97223	$1302	$219
97224	$1278	$214
97202	$1290	$217
97225	$1265	$212
97203	$1278	$214
97220	$1278	$214
97221	$1253	$210

Frequently Asked Questions

How much is car insurance in Portland?

The car insurance in Portland is $56 per month, which is lower than the national average.

What is the cheapest car insurance in Portland?

The cheapest car insurance in Portland is $93 per month for full coverage.

How much is car insurance in Portland for teenagers?

Car insurance for teenagers costs $310 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Portland?

The average cost of car insurance is $880 for a six-month policy. It will cost around $209 per month to insure your car in Portland.

Is car insurance expensive in Portland?

Car insurance can be expensive in Portland if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Portland can be affordable.

What is the best car insurance in Portland, OR?

The best car insurance company in Portland OR is Kemper, offering $544 for a six-month policy.