Portland Car Insurance

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 $154.75 per month compared to the national average of $167.68 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.

Portland, OR Best Car Insurance Companies

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.

How Much is Car Insurance in Portland, OR?

Rates can vary from city to city. The residents of Albany typically pay $98.41 per month while people who live in Beaverton will pay $146.97 per month on average. See what people pay for car insurance in other cities in Oregon.

Cheap Car Insurance in Portland by Zip Codes

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.

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 $157.74 per month in Portland. Compare that to drivers in their 30’s who typically pay around $134.93 per month drivers in their 40s at $124.63 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.

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 $122.00 per month. This is likely the most affordable option in Portland. You might also want to consider Grange and USAA who also offer good affordable policies for teen drivers.

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 $113.15 per month. USAA , State Farm , Grange and Country are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in Portland

If you are in your 30s in Portland our research has found that General Casualty typically has the most affordable coverage coming in around $97.17 per month, followed by Grange at $100.25 and USAA at $101.58.

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.

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 $74.08 per month.

Cheapest Insurance for 60 Year-olds in Portland

If you live in Portland and you’re in your 60s, our data indicates that USAA usually has the best rates at $87.37 per month. The top 5 list of car insurance companies is below.

Driver's Coverage Auto Insurance Rates in Portland, OR

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 $155.63 while drivers who are not currently covered will pay around $154.25.

Compare Recent Car Insurance Quotes in Portland

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 2022 Dodge Charger can expect to pay around $353.78 per month while someone that owns a 2003 Ford Explorer Sport Trac may pay around $263.60 per month. Check out the list of recent quotes in Portland below.

FAQ's for Drivers in Portland, OR

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.

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