Portland Car Insurance

How much does car insurance cost in Portland, OR? Check out the average rates that drivers pay below.

Compare Car Insurance Rates Instantly

What Is the Average Cost of Car Insurance in Portland?

Situated along the Columbia and Willamette rivers, Portland is the largest city in Oregon. Portland is known for its city parks, bridges and bicycle paths. There are microbreweries and coffeehouses around the city. In Washington Park, you'll find everything from a Japanese garden to the Oregon Zoo. Portland also has a rich cultural scene, with art, theatre and music communities all thriving. There also are many independent bookstores in the city. And you'll find food carts with a wide variety of cuisines.

The Portland Art Museum dates back to 1892 and features large collections of Native American and Northwest artworks. For a taste of the more current art scene, there's Portland Saturday Market, an open-air market of arts and crafts. Old Town Chinatown is Portland's original city center and you'll still find Chinese restaurants amid the bars, clubs and music venues.

Love the outdoors? You can get to many hiking trails from the city's downtown including Forest Park with its 70 miles of trails.

There are lots of ways to get around Portland by mass transit. But driving a car is still the most convenient. If you're looking for cheaper car insurance rates, SmartFinancial has access to more than 200 insurance companies so you are bound to find a low car insurance rate.

Now, let's take a closer look at what you will need when driving a car in Portland.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Oregon has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Portland typically pay around $134.05 per month compared to the national average of $146.49 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $146.49
Oregon $107.30
Portland, Oregon $134.05

Portland, OR Best Car Insurance Companies

car insurance in Portland

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, PEMCO generally has the most affordable car insurance in Portland coming in around $41.33 per month. Other companies to consider if you live in Portland is Capital Insurance Group with an average cost of $65.00 per month and Chubb which typically runs around $70.42 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Portland.

RankCompanyAverage Monthly RateComparison State Average
1 PEMCO $41.33-61.48%
2 Capital Insurance Group $65.00-39.42%
3 Chubb $70.42-34.37%
4 Unigard $76.83-28.40%
5 Bristol West $82.17-23.42%
6 GMAC Insurance Group $98.50-8.20%
7 USAA $99.32-7.43%
8 State Farm $107.430.12%
9 General Casualty $118.7310.66%
10 Country $119.2011.09%

How Much is Car Insurance in Portland, OR?

how much is auto insurance in Portland

Rates can vary from city to city. The residents of Albany typically pay $87.61 per month while people who live in Beaverton will pay $130.00 per month on average. See what people pay for car insurance in other cities in Oregon.

Oregon CitiesMonthly Average Rate
Albany $87.61
Beaverton $130.00
Bend $95.33
Corvallis $100.46
Eugene $94.20
Grants Pass$84.42
Gresham $140.99
Hillsboro $118.87
Klamath Falls$86.29
Lake Oswego $110.61
Medford $91.44
Portland $134.10
Salem $112.86
Springfield $89.48

Cheap Car Insurance in Portland by Zip Codes

find cheap auto insurance in Portland

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Oregon. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Portland, OR ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in Portland

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $317.54 per month in Portland. Compare that to drivers in their 30’s who typically pay around $128.02 per month drivers in their 40s at $117.90 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate

Cheapest Insurance for Teenage Drivers in Portland

If you are teen in Portland you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, General Casualty typically charges around $191.37 per month. This is likely the most affordable option in Portland. You might also want to consider USAA and State Farm who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
General Casualty$191.37
State Farm$245.52

Cheapest Insurance for 20 Year-olds in Portland

20 year-olds in Portland might want to consider General Casualty who, on average, offers car insurance rates around $126.89 per month. USAA , State Farm , Country and Grange are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
General Casualty$126.89
State Farm$146.39

Cheapest Insurance for 30 Year-olds in Portland

If you are in your 30s in Portland our research has found that USAA typically has the most affordable coverage coming in around $94.48 per month, followed by State Farm at $100.02 and Grange at $106.95.

CompanyAverage Monthly Rate
State Farm$100.02
General Casualty$109.26

Cheapest Insurance for 40 Year-olds in Portland

On average, PEMCO offers car insurance for 40 year-olds in Portland for around $41.33 per month. If you are looking for affordable coverage, you may also want to consider Capital Insurance Group or Chubb. The full list of top companies is below.

CompanyAverage Monthly Rate
Capital Insurance Group$65.00
Bristol West$82.17

Cheapest Insurance for 50 Year-olds in Portland

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Portland we found that Grange generally offers the most affordable coverage at $84.79 per month.

CompanyAverage Monthly Rate
State Farm$96.00
General Casualty$109.74

Cheapest Insurance for 60 Year-olds in Portland

If you live in Portland and you’re in your 60s, our data indicates that Grange usually has the best rates at $78.71 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
State Farm$85.13
National General$107.50

Driver's Coverage Auto Insurance Rates in Portland, OR

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Portland, the average monthly rate for a driver who is currently insured is $127.94 while drivers who are not currently covered will pay around $142.44.

CoverageAverage Monthly Rate
Not Currently Insured $142.44
Currently Insured $127.94

Compare Recent Car Insurance Quotes in Portland

auto insurance quotes in Portland city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Portland a driver of a 1998 Honda Civic can expect to pay around $368.31 per month while someone that owns a 2002 Ford Windstar may pay around $246.11 per month. Check out the list of recent quotes in Portland below.

VehicleAverage Monthly Rate
1998 Honda Civic$368.31
2002 Ford Windstar$246.11
2010 Bmw X5$108.75
2007 Toyota Sequoia$68.42
2023 Subaru Forester$50.60
2016 Bmw 428$568.34

FAQ's for Drivers in Portland, OR

driver’s frequently asked question in Portland

Portland Auto Insurance Requirements

In Portland, drivers are required to have auto liability insurance coverage.

What is the Minimum Amount of Liability Coverage Requirement in Portland?

  • $25,000 bodily injury liability coverage per person
  • $50,000 bodily injury liability coverage per accident
  • $20,000 property damage liability coverage

What is the Blood Alcohol Concentration (BAC) limit in Portland?

The legal blood alcohol content (BAC) level limit is .08% in the state of Oregon. This legal BAC level limit of .08% is true for all 50 states. In Oregon, if you have a .08% BAC level limit and are caught behind the wheel of a car, you may be convicted of a DUII, driving under the influence of intoxicants. You'll face a minimum fine of $1,000, jail time of 48 hours to a one year and your driver's license may be suspended for up to one year. You also will see your car insurance rates go up. But SmartFinancial can help you find the cheapest SR22 and cheap high-risk car insurance. Insurers treat DUIIs in different ways. Some charge lower rates than others..

Can I Register My Car Without Insurance in Portland?

When a registration on a car is valid, the car's liability insurance coverage also must be current. Both items must be up-to-date. This is true even if you do not use the car. The insurance must be issued by an insurance company authorized by the Oregon Division of Financial Regulation and certified by the Oregon State DMV. And here's something else to consider. Car insurance must be issued in the name of the vehicle registrant. So the person who registered the car must be the car insurance policyholder.

Check Out Other Rates in Portland, OR Nearby Cities:

Beaverton, OR

Gresham, OR

Lake Oswego, OR

Tigard, OR

Vancouver, WA


Commute Time in Portland, OR

26.1 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Portland, OR


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

Compare Insurance Rates Instantly.

Answer a few questions and let Penny find the best rates in your area.