As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Click here for our full-length guide to Oregon car insurance quotes, discounts, and state requirements.

Wedged between the Columbia and Willamette Rivers, Oregon’s capital city, Portland, prides itself on their eco-forward culture, weirdness, and a plethora of microbreweries and craft coffeehouses. This hipster haven has a bike culture unparalleled by any other American city, but 86 percent of car-owning households still use their vehicles on a daily basis. With that many cars on the road, the right auto insurance policy for you and your lifestyle is a vital step towards safe driving in Portland. Compare and save on the best and cheapest car insurance quotes in Oregon here.

Find cheap car insurance quotes for Portland today.

Cheapest Car Insurance Quotes in Portland, OR

Here are the cheapest insurance companies in Portland based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Clean driving records may amount to “good driver discounts,” resulting in lower overall insurance costs.

Insurance CompanyQuotes
State Farm$64/month
GEICO$71/month
Mercury$118/month
Nationwide$121/month
American Family$124/month

USAA often offers the lowest car insurance rates to Oregon drivers, but it is only available to active-duty members of the military, veterans, and their immediate families.

Best Car Insurance Companies in Portland, OR

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top-rated companies that offer car insurance in Portland. For the complete list, see Insurify’s best car insurance companies.

Insurance CompanyScoreQuotes
American Family88$124/month
GEICO87$71/month
Nationwide84$121/month
State Farm83$64/month
Mercury81$118/month

Compare Average Premiums 

Insurance rates vary greatly from town to town. Portland has lower monthly premiums compared to state and national averages. Keep the savings rolling and compare policies on Insurify today. 

Portland Average Premium Oregon Average Premium National Average Premium
$100/month $117/month $131/month

Portland Auto Insurance Requirements 

Before operating on Oregon roadways, Oregon drivers must ensure their motor vehicle holds sufficient liability insurance.

Liability coverage is a safety necessity.

In Oregon, state minimum coverage limits for liability car insurance are as follows:

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

Driving records, prior car accidents, prior moving violations, speeding tickets, commute length, and other demographic factors may cause fluctuation to your Portland auto insurance rates.

Read more about Oregon car insurance requirements. 

Comprehensive and collision coverage are supplemental options offered by insurance providers to protect your vehicle and passengers from “Acts of God,” vandalism, and other uncontrollable circumstances. 

For a free quote, compare auto insurance companies on Insurify

Portland DMV Information 

The Beaver State capital has multiple DMV outposts around the city in Downtown, Southeast, and North Portland. Their operating hours are 8 AM to 5 PM with varying morning and weekend hours. You may be able to skip your visit altogether and utilize their online portal to get the answers and services you need without needing to wait in line.  

Public Transit in Portland

Portland offers visitors and residents a multitude of bike-friendly commute and adventure options. If you’re not able to get to your destinations on two wheels, there are lots of public transit choices throughout the City of Roses. The TriMet System is an expansive and affordable system including light rail and bus network. Amtrak and Greyhound provide train and long haul bus services at stations in and near Portland. Ridesharing services like Uber, Lyft, and traditional taxis also operate across the city.

Conclusion: How to get the best and cheapest car insurance in Portland 

As American drivers know too well, enough of their precious time is wasted sitting in traffic each year. There’s no need to waste more time finding the perfect auto insurance policy. Use Insurify to find the best rates available by comparing dozens of insurance quotes in just a few seconds.

There are millions of registered vehicles in Oregon. and with an estimated 13 percent of Oregon vehicles driving uninsured, with driving comes huge risk. Don’t become just one more uninsured motorist—use Insurify to get the best coverage and rates for your car at a price that works for you.

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Updated June 4, 2020

Jackie Cohen received her B.A. in Global Media and Public Relations from the University of Massachusetts, Amherst. Currently based in Boston, MA, she works as a content writer for Insurify. An avid globe-trotter and foodie, Jackie spends her spare time adventuring far and near.