Best Cheap Auto Insurance in Portland, OR (2022)
The average Portland, OR auto insurance rates are $360 per month. The minimum auto insurance in Portland is at least 25/50/20 in coverage to comply with Oregon auto insurance laws. To find the best cheap auto insurance in Portland, Oregon, compare quotes from multiple companies.
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UPDATED: Jun 29, 2022
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Table of Contents
- Average auto insurance rates in Portland, OR for senior drivers are $2,481 per year
- The average commute length in Portland is 26.5 minutes
- The most expensive auto insurance company in Portland for teen drivers is Allstate
Portland, Oregon auto insurance requirements are 25/50/20 according to Oregon auto insurance laws. Finding cheap auto insurance in Portland can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Portland, Oregon, including driving record, credit, commute time, and more.
Compare auto insurance in Portland to other Oregon cities, including Gresham auto insurance rates, Hillsboro auto insurance rates, and Bend auto insurance rates to see how Portland, Oregon auto insurance rates stack up.
More: Best Cheap Auto Insurance in Beaverton, OR (2022)
Before you buy Portland, Oregon auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Portland, Oregon auto insurance quotes.
Table of Contents
Minimum Auto Insurance in Portland, Oregon
Portland, Oregon auto insurance laws require that you have at least the Oregon minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Portland, Oregon.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $20,000 minimum |
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Cheap Portland, Oregon Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Portland, Oregon are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,704 | $3,422 | $3,393 | $3,424 | $11,496 | $12,770 | $3,831 | $3,818 |
| American Family | $2,922 | $2,922 | $2,602 | $2,602 | $7,291 | $11,487 | $2,922 | $3,054 |
| Farmers | $2,752 | $2,698 | $2,427 | $2,589 | $11,755 | $12,061 | $3,077 | $3,140 |
| GEICO | $2,709 | $2,617 | $2,552 | $2,595 | $7,107 | $6,433 | $2,884 | $2,457 |
| Liberty Mutual | $3,370 | $3,555 | $2,921 | $3,256 | $11,063 | $11,945 | $3,229 | $3,240 |
| Nationwide | $2,919 | $2,894 | $2,595 | $2,708 | $6,899 | $8,620 | $3,432 | $3,609 |
| Progressive | $2,273 | $2,048 | $1,980 | $2,039 | $9,992 | $10,991 | $2,712 | $2,545 |
| State Farm | $2,198 | $2,198 | $2,025 | $2,025 | $7,166 | $9,002 | $2,499 | $2,860 |
| Travelers | $2,333 | $2,364 | $2,129 | $2,223 | $6,920 | $8,546 | $2,436 | $2,485 |
| USAA | $1,811 | $1,750 | $1,806 | $1,733 | $5,613 | $5,999 | $2,336 | $2,413 |
Cheap Portland, Oregon Auto Insurance for Teen Drivers
More: Best Cheap Auto Insurance in Salem, OR (2022)
Finding cheap teen auto insurance in Portland, Oregon is a challenge. Take a look at the annual teen auto insurance rates in Portland, Oregon.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $11,496 | $12,770 |
| American Family | $7,291 | $11,487 |
| Farmers | $11,755 | $12,061 |
| GEICO | $7,107 | $6,433 |
| Liberty Mutual | $11,063 | $11,945 |
| Nationwide | $6,899 | $8,620 |
| Progressive | $9,992 | $10,991 |
| State Farm | $7,166 | $9,002 |
| Travelers | $6,920 | $8,546 |
| USAA | $5,613 | $5,999 |
Cheap Portland, Oregon Auto Insurance for Seniors
What are senior auto insurance rates in Portland, Oregon? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,393 | $3,424 |
| American Family | $2,602 | $2,602 |
| Farmers | $2,427 | $2,589 |
| GEICO | $2,552 | $2,595 |
| Liberty Mutual | $2,921 | $3,256 |
| Nationwide | $2,595 | $2,708 |
| Progressive | $1,980 | $2,039 |
| State Farm | $2,025 | $2,025 |
| Travelers | $2,129 | $2,223 |
| USAA | $1,806 | $1,733 |
Cheap Portland, Oregon Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Portland, Oregon compared to the annual auto insurance rates with a clean record in Portland, Oregon.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,576 | $6,248 | $6,472 | $5,633 |
| American Family | $3,122 | $4,722 | $6,051 | $4,005 |
| Farmers | $4,271 | $5,512 | $5,389 | $5,077 |
| GEICO | $2,396 | $3,865 | $5,117 | $3,300 |
| Liberty Mutual | $4,712 | $5,280 | $6,058 | $5,240 |
| Nationwide | $3,558 | $3,816 | $5,430 | $4,034 |
| Progressive | $3,246 | $5,978 | $4,194 | $3,872 |
| State Farm | $3,309 | $4,358 | $3,659 | $3,659 |
| Travelers | $2,972 | $3,815 | $4,306 | $3,626 |
| USAA | $2,117 | $2,971 | $4,158 | $2,485 |
Cheap Portland, Oregon Auto Insurance Rates After a DUI
More: Best Cheap Auto Insurance in Gladstone, OR (2022)
Finding cheap auto insurance after a DUI in Portland, Oregon is not easy. Compare the annual rates for DUI auto insurance in Portland, Oregon to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,472 |
| American Family | $6,051 |
| Farmers | $5,389 |
| GEICO | $5,117 |
| Liberty Mutual | $6,058 |
| Nationwide | $5,430 |
| Progressive | $4,194 |
| State Farm | $3,659 |
| Travelers | $4,306 |
| USAA | $4,158 |
Cheap Portland, Oregon Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Portland, Oregon annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,545 | $5,294 | $4,358 |
| American Family | $5,686 | $4,199 | $3,540 |
| Farmers | $5,824 | $4,806 | $4,557 |
| GEICO | $4,430 | $3,670 | $2,909 |
| Liberty Mutual | $7,805 | $4,610 | $3,553 |
| Nationwide | $5,095 | $4,040 | $3,494 |
| Progressive | $4,843 | $4,203 | $3,921 |
| State Farm | $5,238 | $3,336 | $2,665 |
| Travelers | $4,566 | $3,621 | $2,852 |
| USAA | $4,389 | $2,454 | $1,955 |
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Cheap Portland, Oregon Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Portland, Oregon can vary. Compare the annual cost of auto insurance by ZIP code in Portland, Oregon to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 97201 | $3,818 |
| 97202 | $4,105 |
| 97203 | $4,205 |
| 97204 | $3,997 |
| 97205 | $3,858 |
| 97206 | $4,454 |
| 97209 | $3,961 |
| 97210 | $3,836 |
| 97211 | $4,344 |
| 97212 | $4,126 |
| 97213 | $4,274 |
| 97214 | $3,979 |
| 97215 | $4,338 |
| 97216 | $4,582 |
| 97217 | $4,218 |
| 97218 | $4,472 |
| 97219 | $3,778 |
| 97220 | $4,548 |
| 97221 | $3,898 |
| 97222 | $3,952 |
| 97223 | $3,745 |
| 97224 | $3,581 |
| 97225 | $3,797 |
| 97227 | $4,085 |
| 97229 | $3,764 |
| 97230 | $4,548 |
| 97231 | $3,827 |
| 97232 | $3,970 |
| 97233 | $4,674 |
| 97236 | $4,676 |
| 97239 | $3,876 |
| 97258 | $3,883 |
| 97266 | $4,694 |
| 97267 | $3,852 |
Cheap Portland, Oregon Auto Insurance Rates By Commute
More: Best Cheap Auto Insurance in Eugene, OR (2022)
Commute length and annual mileage affect Portland, Oregon auto insurance. Find the cheapest annual Portland, Oregon auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,732 | $5,732 |
| American Family | $4,405 | $4,545 |
| Farmers | $5,062 | $5,062 |
| GEICO | $3,610 | $3,729 |
| Liberty Mutual | $5,323 | $5,323 |
| Nationwide | $4,210 | $4,210 |
| Progressive | $4,323 | $4,323 |
| State Farm | $3,647 | $3,846 |
| Travelers | $3,531 | $3,829 |
| USAA | $2,849 | $3,017 |
Cheap Portland, Oregon Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Portland, Oregon? Check out the comparison of annual Portland, Oregon auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,474 | $5,720 | $6,003 |
| American Family | $4,443 | $4,738 | $4,244 |
| Farmers | $4,715 | $4,990 | $5,482 |
| GEICO | $3,318 | $3,692 | $3,999 |
| Liberty Mutual | $4,967 | $5,308 | $5,692 |
| Nationwide | $3,992 | $4,328 | $4,309 |
| Progressive | $4,153 | $4,300 | $4,514 |
| State Farm | $3,521 | $3,755 | $3,963 |
| Travelers | $3,414 | $3,656 | $3,969 |
| USAA | $2,797 | $2,937 | $3,065 |
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Best By Category: Cheapest Auto Insurance in Portland, Oregon
Compare the cheapest auto insurance companies in Portland, Oregon in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
The Cheapest Portland, Oregon Auto Insurance Companies
More: Best Cheap Auto Insurance in Mcminnville, OR (2022)
What auto insurance companies in Portland, Oregon are the cheapest? Compare the top Portland, Oregon auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,732 |
| American Family | $4,475 |
| Farmers | $5,062 |
| GEICO | $3,670 |
| Liberty Mutual | $5,323 |
| Nationwide | $4,210 |
| Progressive | $4,323 |
| State Farm | $3,746 |
| Travelers | $3,680 |
| USAA | $2,933 |
What affects auto insurance rates in Portland, Oregon?
There are a lot of reasons why auto insurance rates in Portland, Oregon are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Portland, Oregon. Many local factors may affect your Portland auto insurance rates.
Portland Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Portland, Oregon auto theft statistics, there have been 6,932 auto thefts in the city.
Portland Commute Time
More: Best Cheap Auto Insurance in Hereford, OR (2022)
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Portland, Oregon commute length is 26.5 minutes according to City-Data.
Portland Traffic
How does Portland, Oregon rank for traffic? According to Inrix Portland, Oregon is the 115th most congested worldwide.
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Compare Portland, Oregon Auto Insurance Quotes
Before you buy Portland, Oregon auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Portland, Oregon auto insurance quotes.
More: Cheap Car Insurance in Oregon for 2022
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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Written by
Rachel Bodine |
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Reviewed by
Daniel Walker
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