Finding the Best Car Insurance Quotes in Portland, Oregon

Getting the right car insurance for the right price is important for drivers in Portland. This guide will walk you through how to get the best car insurance quotes in Portland, Oregon so you can find the perfect policy at the perfect rate.

How Car Insurance Rates are Determined in Portland

Insurers in Oregon use several factors about you and your vehicle to calculate your personalized auto insurance rate, including:

  • Driving record: Tickets, accidents, and claims drive up rates. A clean record saves you money.

  • Credit history: Better credit can lower premiums.

  • Vehicle make/model/year: Safer, newer cars often get better rates.

  • Mileage: Driving fewer miles lowers risk and rates.

  • Coverage limits: Lower liability limits mean cheaper premiums.

  • Deductible: Choosing a higher deductible reduces rates.

  • Discounts: Taking defensive driving, bundling policies, adding safety devices and more can lower premiums.

To find the best rate, it’s important to get quotes tailored specifically to your risk profile. Here’s how.

Where to Get Car Insurance Quotes in Portland

You have several options to get free, no-obligation Portland car insurance quotes:

  • Online: Visit insurer websites or comparison sites like to get quotes.

  • Insurance agents: Local agents can provide quotes from multiple companies.

  • Direct insurers: Call national insurers like GEICO, Allstate, and State Farm directly.

  • Oregon DMV: The DMV can provide minimum coverage quotes.

Make sure to get quotes from 3-5 insurers for the best rate comparison. Avoid just going with the cheapest quote, as you want adequate coverage.

What Impacts Car Insurance Costs in Portland?

Many factors influence what you’ll pay for car insurance in Portland. Here are some key considerations:

Coverage Levels

Higher liability limits, lower deductibles, and additional coverages like collision and comprehensive raise rates. Consider what limits fit your budget. Oregon requires:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability
  • $15,000 personal injury protection
  • $25,000/$50,000 uninsured motorist coverage

Driving Record

A clean record saves you money. Tickets, accidents, DUIs, and claims substantially raise rates. Check your motor vehicle report for errors before getting quotes.

Credit Score

Insurers use credit-based insurance scores to set premiums. Maintaining a good credit score can help lower what you pay.


Urban areas like Portland tend to have higher premiums than rural areas due to congestion, accident rates, and crime. Where you garage your car also affects risk.

Vehicle Use

Minimal mileage and occasional pleasure use receives lower rates than high mileage and daily commuting. Be honest about your annual mileage.


Taking defensive driver courses, bundling policies, adding safety features, insuring multiple cars, and more can qualify you for discounts to reduce premiums. Ask insurers what discounts they offer.

Tips for Getting the Best Portland Car Insurance Rates

Follow these tips when getting Portland insurance quotes:

  • Compare quotes from at least 3 insurers
  • Ask about all available discounts
  • Consider raising your deductible to lower rates
  • Drop unnecessary coverages on older vehicles
  • Limit teen drivers to older, safer family cars
  • Ask about low mileage discounts if you don’t drive daily
  • Maintain good credit and check reports for errors
  • Check your motor vehicle report for inaccuracies before quoting
  • Bundle home and auto insurance with the same provider
  • Replace vehicles with poor safety ratings
  • Add anti-theft devices for potential discounts

Getting multiple quotes and using available discounts are the best ways to find affordable rates.

Top Auto Insurers in Portland

Major national insurers that provide competitive rates in Portland include:

  • State Farm
  • Progressive
  • Allstate
  • Liberty Mutual
  • Farmers
  • Travelers
  • Safeco
  • American Family

Also consider local Pacific Northwest insurers like PEMCO for Oregon-specific discounts.

Portland Car Insurance Rates by Age

Your age is a major rating factor for auto insurance. Here are the average annual Portland premiums by age group, according to data:

Age Group Average Annual Rate
18-25 $2,544
25-35 $1,872
35-55 $1,524
55-65 $1,516
65+ $1,644

Younger drivers pay more for car insurance due to lack of experience. Once you turn 25, premiums drop significantly as you gain more experience and wisdom behind the wheel. Retirees over 65 can also get low-mileage discounts.

Is Portland Car Insurance More Expensive than Other Oregon Cities?

Portland auto insurance rates are typically a bit higher than other major Oregon cities, but lower than the most expensive cities. Here’s how Portland ranks for average annual premiums according to

City Average Annual Premium
Portland $1,652
Eugene $1,596
Salem $1,524
Medford $1,656
Bend $1,668

Rates between Oregon’s major cities are fairly comparable. Rural areas may be slightly cheaper than Portland. But your personal risk factors have more impact on premiums than your city.

How to Save on Portland Car Insurance

To get the lowest rates on Portland auto insurance coverage, be sure to:

  • Compare quotes from at least 3 top insurers
  • Ask about all the discounts you qualify for
  • Raise deductibles if you can afford higher out-of-pocket costs
  • Improve your credit to get a better insurance score
  • Take a defensive driving course for premium reductions
  • Bundle insurance policies with one company for multi-policy discounts

Finding an insurer that offers you the right discounts for your situation is key to maximizing savings in Portland. Get free quotes to start saving today.

Frequently Asked Questions

How much is car insurance per month in Portland?

Average car insurance rates in Portland are around $138 per month, or $1,652 annually. However, your personal factors determine your rate more than averages.

How much car insurance do you need in Portland?

Oregon requires minimum 25/50/20 liability limits, $15,000 personal injury protection, and 25/50 uninsured motorist coverage. However, experts recommend 100/300/100 limits for better protection.

What is the cheapest car insurance company in Portland?

The cheapest major insurer in Portland is usually State Farm or GEICO. But every insurer charges different rates based on your risk profile. Compare quotes to find the cheapest company for you.

How can I get cheap car insurance with speeding tickets in Portland?

The best way to get cheap car insurance with speeding tickets in Portland is to shop around for quotes, take a defensive driving course, maintain a good credit score, raise your deductible, and add safety devices to your car.

How much is car insurance for a teenage driver in Portland?

Teen drivers in Portland pay an average of $3,391 per year for car insurance, approximately double the average adult rate. Putting teens on the family policy can provide some discounts.

Find the Best Portland Car Insurance Rates

With some smart shopping, you can lock in quality car insurance coverage at competitive prices from a top Portland insurer. Be sure to compare personalized quotes from multiple companies using the tips provided. This makes it easy to get the right rate for the right coverage to drive confidently around the Rose City.

oregon car insurance quote


How much does car insurance cost in Portland Oregon?

The average cost of a car insurance policy in Portland is $929 per six-month policy or $155 per month. The cheapest company in Portland is USAA ($636 every six months).

Who gives the lowest car insurance rates?

State Farm is the cheapest large auto insurance company in the nation for good drivers, according to NerdWallet’s 2024 analysis of minimum coverage rates. State Farm’s average annual rate was $471 or about $39 per month.

Is Geico or Progressive cheaper?

Geico’s rates are typically lower overall, but Progressive tends to offer better prices to high-risk drivers. High-risk drivers are those with a recent DUI, at-fault accident or speeding ticket on their driving record. Of course, costs vary by driver, and your rates are determined by a number of factors, including: Age.

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