Best Cheap Auto Insurance in Portland, Oregon (2026)

If you live in Portland, Oregon, and are looking for a new car insurance company, you’ll want to consider insurers like State Farm, USAA, and GEICO. Each is a top insurer in the Portland area and a good place to start if you’re looking for affordable rates.

The average car insurance rate in Portland is $155, which is higher than the average American driver pays, at $136 a month. Portland is also the third most-expensive city for insurance in the state, according to Insurify data. This could be due to the crime rate in the city or an increased accident rate due to the large population and influx of tourists.

Fortunately, the information presented here can help you find affordable insurance that matches your needs.

Best car insurance companies in Portland

If you’re looking to save money, you’ll want to start by researching your options with the insurers below.

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best For
Safeco	9.3	$142	$101	Cheap rates
USAA	9.1	$100	$46	Military community
GEICO	9.2	$119	$54	Discounts

Disclaimer: Table data sourced from real-time Portland car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Portland may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for low rates: State Farm

low rates

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User Reviews	4.3 535 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$135/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$190/mo

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Driver Reviews

4.3

Best choice in Portland, ORBased on 1,012 verified driver reviews and ratings

How drivers feel about Safeco

Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.

AI-generated from the text of verified reviews collected by Insurify

Best in Portland for

Cash back for being claims free

Optional coverages

Diminishing deductible

How drivers feel about Safeco

Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.

AI-generated from the text of verified reviews collected by Insurify

Best in Portland for

Cash back for being claims free

Optional coverages

Diminishing deductible

Showing 3 Oregon reviews for Portland drivers - See all 535 Safeco reviews

Russell

Verified Review

Safeco Review

Reviewed in Oregon on December 31, 2025

Check to see if they have windshield hazard coverage built into the policy.

Donald

Verified Review

DC insurance

Reviewed in Oregon on June 26, 2025

Safeco is a good insurance company. The website is easy to navigate. I did not file a claim, so it would be difficult to answer questions regarding service.

David

Verified Review

Found Less Expensive Option

Reviewed in Oregon on April 7, 2025

I paid $3100.00 for six months but found the exact same insurance for $1450.00 for six months.

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

613

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.72

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A

Why we picked this company

Safeco, a Liberty Mutual company, has been in business for nearly 100 years. Safeco stands out for some of its optional offerings. If your new car is less than a year old with under 150,000 miles, Safeco’s new vehicle replacement coverage pays the value of a comparable new car if yours is stolen or totaled. Safeco also offers cash back for policyholders who remain claims-free over a six-month review period, as well as a diminishing deductible for being claims-free. The company also scored above average for customer satisfaction in J.D. Power’s 2023 U.S. Auto Claims Satisfaction Study.

Pros

• Pays cash back to customers who remain claims-free

• Many options for customizing car insurance

• Accident forgiveness available

Cons

• May not be the cheapest option for drivers with infractions on their records

• Customer reviews indicate room for improvement in customer service

• Higher-than-average number of complaints with the National Association of Insurance Commissioners

Best insurer for military members: USAA

Military members

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User Reviews	4.9 1,485 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$114/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$145/mo

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Driver Reviews

4.9

Best choice in Portland, ORBased on 3,152 verified driver reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best in Portland for

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best in Portland for

Members of the military community

Outstanding customer service

Competitive rates

Showing 11 Oregon reviews for Portland drivers - See all 1,485 USAA reviews

Betsy

Verified Review

Positive!

Reviewed in Oregon on March 4, 2026

I sent a friend to them who had trouble with other companies. She was very grateful when they insured her right away! They've been awesome in the past with claims, responding immediately and without a lot of questions.

Tracy

Verified Review

Excellent!

Reviewed in Oregon on January 4, 2026

USAA has been great! The process was lengthy on my complex claim, but overall splendid!

Timothy

Verified Review

Poor company, unhelpful

Reviewed in Oregon on October 8, 2025

Find someone else. They charge more for nothing and will raise your rates for anything, even if it’s not your fault.

Richard

Verified Review

Great insurance company but strict standards

Reviewed in Oregon on September 21, 2025

Excellent. They are an outstanding insurance company. It is my financial difficulties that caused the problems with USAA and their major increase in premiums. Otherwise, I would not even be looking for alternate coverage.

Marlon

Verified Review

Don't let them hook you

Reviewed in Oregon on June 15, 2025

Don't renew with USAA the first year. Go to another company for the first 6 months after your USAA policy expires. Then, when that one expires, check back with USAA for the following 6-month period. USAA will give a better rate when you come back than they would have if you had stayed with them all along.

Timothy

Verified Review

The Old Bait and Switch

Reviewed in Oregon on June 10, 2025

There's no flexibility, and if you miss your first payment by a day, they will cancel your policy. Then, they make you get a new quote and double the price for half the coverage. It's unbelievable that they treat veterans and their families like that.

Richard

Verified Review

Best insurance out there but getting a little pricier

Reviewed in Oregon on May 11, 2025

Simply outstanding. The best auto insurance on the planet. But their prices have been going up.

George

Verified Review

High Rates for Veterans

Reviewed in Oregon on May 9, 2025

I am a decorated Air Force veteran with no tickets or accidents in over 50 years, and I was charged $1400 for six months for full coverage. This seems very high for someone with my record.

Karla

Verified Review

You have always been there for me

Reviewed in Oregon on May 5, 2025

I found USAA to be the best. I have been with USAA for over 40 years and plan to stay. It has

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

739

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Whether you’re active or reserve military personnel, a veteran, or a family member, USAA offers exclusive benefits and discounts, specialized coverages, and user-friendly digital tools. Eligible members can save money with good driver, bundling, and loyalty discounts, as well as through the company’s safe driving program, USAA SafePilot.

Pros

• Low premiums for all types of drivers, including those with speeding tickets, at-fault accidents, and DUIs

• With the SafePilot program, good drivers can lower their auto insurance costs by up to 30%

• Discounts available for bundling, being a good student, enrolling in automatic payments, and more

Cons

• Car insurance only available to active military members, veterans, and their families

• No gap insurance

• 24/7 live customer support not available

Best insurer for discounts: GEICO

Discounts

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User Reviews	4.0 7,444 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$121/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$155/mo

Show Details

Driver Reviews

4.0

Best choice in Portland, ORBased on 16,159 verified driver reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in Portland for

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in Portland for

Teen drivers

Cheap rates

Accident forgiveness

Showing 19 Oregon reviews for Portland drivers - See all 7,444 GEICO reviews

Demetrius

Verified Purchase

Excellent

Reviewed in Oregon on March 9, 2026

Go with Geico, best rates.

Juan

Verified Review

Comparison!

Reviewed in Oregon on March 3, 2026

Geico does their best to give you the lowest car payments and coverage.

Edward

Verified Purchase

Upstanding thanks

Reviewed in Oregon on February 6, 2026

Very pleased with the service and the follow-ups to make sure that I had everything in place to have proper insurance and pricing going forward.

Mike

Verified Review

Not worth switching!

Reviewed in Oregon on January 29, 2026

After comparing other companies, Geico is only $50.00 above the rest, so it's not worth switching.

Jenna

Verified Review

Good but raises rates every year with no changes

Reviewed in Oregon on January 24, 2026

They raise the rates every year. There’s no loyalty incentive to stay with them.

Kelly

Verified Review

I was with GEICO for seven years and kept requesting a review of my policy because the premium kept going up. I was told that insurance was going up everywhere because of the economy, not because I had a claim. I found better insurance at more than $100 a month off of what I was currently paying.

Reviewed in Oregon on January 12, 2026

I was with GEICO for seven years and kept requesting a review of my policy because the premium kept going up. I was told that insurance was going up everywhere because of the economy, not because I had a claim. I found better insurance at more than $100 a month off of what I was currently paying.

Ruth

Verified Review

First visit with agent was great

Reviewed in Oregon on January 10, 2026

Great customer service.

Ayla

Verified Review

I don't like Geico

Reviewed in Oregon on January 2, 2026

They "accidentally" bill me monthly (then fix it) when I paid for six months. They didn't tell me my credit would be checked, and I think that's not only dishonest but unnecessary. The only reason someone's credit should be a factor is if they're borrowing money. It used to be that your driving record mattered. It's the same with many other things in life. One's rental history mattered when renting. I don't like being dependent on banks. Geico makes that happen.

Nick

Verified Purchase

Try it, you're going to like it!

Reviewed in Oregon on January 1, 2026

Use the online service to get quotes. Have your existing policy on hand to verify you are getting a quote for the same level of coverage. Prepare to be shocked at the savings!

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

GEICO offers more discounts than most companies, including a 22% discount for good drivers, a 15% military discount, and a 25% multi-vehicle discount. GEICO also had relatively few complaints about car insurance with the National Association of Insurance Commissioners (NAIC) in 2022.

Pros

• Competitive rates and numerous available discounts

• Intuitive website and app

• 24/7 customer service

Cons

• Rideshare and gap insurance not available

• Doesn’t offer life insurance bundling

• Limited agent network

How to get the cheapest car insurance in Portland

Finding cheap insurance rates in Portland depends largely on how much comparison shopping you’re willing to do and your unique personal factors. Here are a few rules of the road to keep in mind as you look for cheap car insurance:

• Liability-only coverage is always going to be cheaper than full coverage. Liability only means that you, instead of your insurer, will pay for your own damages and medical bills if you or your vehicle is in an accident where you’re at fault.

• If you decide to pay a higher deductible, you’ll pay lower auto insurance rates. However, make sure to never set your deductible so high you can’t afford to pay it should you need to file a claim.

• Check with your insurer to see if there are any discounts you qualify for that can bring your rates down.

Cheapest liability-only car insurance in Portland: State Farm

Liability-only car insurance protects you financially if you cause an accident that damages another person’s car or injures the other driver or passengers. All drivers in Oregon must carry at least liability-only coverage that meets the state’s minimum coverage requirements.

Portland drivers can find the cheapest liability coverage from State Farm for $96 per month.

In the table below, you can see the average quotes for liability-only coverage from many of the state’s top insurers.

The below rates in Portland, OR, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$96
Mile Auto	$98
Sun Coast	$102
USAA	$114
National General	$119
GEICO	$121
Bristol West	$130
Safeco	$135
The General	$139
Dairyland	$143
COUNTRY Financial	$143
Direct Auto	$159
American Family	$163
Root	$165
Nationwide	$169
Allstate	$187
Farmers	$222
Liberty Mutual	$225
GAINSCO	$225
Travelers	$273

Disclaimer: Table data sourced from real-time Portland car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Portland may vary based on the policy buyer's unique driver profile.

Find Cheap Car Insurance in Portland

Average liability rates start at $128/month

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Cheapest full-coverage car insurance in Portland: Mile Auto

While liability-only insurance generally covers the expenses incurred by others in an accident you cause, full-coverage car insurance goes beyond this to cover damage to you and your vehicle as well. Because of this, you should consider full-coverage car insurance if you have an expensive car or if you would find it a challenge to replace or repair your car if it were wrecked. Full-coverage insurance in Oregon also includes personal injury protection. If you think it would be hard to pay for hospital bills after an accident, you may want to consider full coverage.

“In today’s environment, older cars are holding their value a lot longer,” says Loretta Worters, vice president of media relations at the Insurance Information Institute. “So check with Kelley Blue Book or your bank to determine the car’s value. Auto dealers and banks can also tell you the worth of cars. Typically, if your car is worth less than 10 times the premium, purchasing full coverage may not be cost-effective.”

On average, full-cover insurance in Portland costs $182 per month. Portland drivers can find the cheapest full-coverage insurance from Mile Auto for $117 per month.

Here you can see a collection of average monthly quotes for full-coverage insurance in Portland.

The below rates in Portland, OR, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Mile Auto	$117
State Farm	$123
USAA	$145
GEICO	$155
COUNTRY Financial	$183
Safeco	$190
American Family	$209
Nationwide	$217
National General	$217
Root	$238
Allstate	$241
The General	$244
Bristol West	$244
Sun Coast	$248
Direct Auto	$253
Liberty Mutual	$272
Farmers	$285
Dairyland	$328
Travelers	$351
GAINSCO	$419

Disclaimer: Table data sourced from real-time Portland car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Portland may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Oregon

To drive legally in Oregon, you need at least a liability-only car insurance policy that meets the requirements listed below.

Coverage	Minimum Requirements
Bodily injury liability	$25,000 per person $50,000 per crash
Property damage liability	$20,000 per crash
Personal injury protection	$15,000 per person
Uninsured motorist coverage	$25,000 per person $50,000 per crash

This coverage threshold meets the minimum requirements in Oregon. But you can always enhance your coverage with any of the following:

• 

  Comprehensive coverage

  This covers you if you have damage to your vehicle that may not be related to an accident. For instance, if your car is stolen, it catches on fire, a rock smashes through the windshield, or an animal hits your vehicle, your insurance would pay for repairs or replacement.

• 

  Collision coverage

  Collision coverage fixes your vehicle when it’s damaged by another vehicle or an object, such as a tree or building.

• 

  Underinsured motorist coverage

  This protects you if you’re in an accident and the other driver is at fault but isn’t carrying enough insurance.

Cheapest car insurance for drivers with an incident

When a driver has an incident on the road — such as an at-fault accident, speeding ticket, DUI, or some other type of moving violation — it almost always leads to a spike in their premiums. Insurers see problematic driving behavior as a sign of increased risk and charge accordingly.

If you have an incident on your record, comparison shopping becomes even more important in order to find the best rates. In the following sections, you’ll see what you can expect to pay for car insurance based on your record.

Find Cheap Car Insurance in Portland

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Cheapest car insurance for drivers with a speeding ticket: Mile Auto

If you live in Portland and get a speeding ticket on I-84, for example, expect your car insurance premiums to go up. Oregon takes speeding seriously, and the state recently passed a law allowing every city to install speed cameras to enforce speed limits.^[1] Portland, meanwhile, has had speed cameras in the city for some time.

On average, Portland drivers with a speeding ticket pay $175 for liability insurance. But, they can still find cheap rates from Mile Auto for $125 per month.

Below is a look at the average monthly quotes you can expect to receive with a speeding ticket on your record.

The below rates in Portland, OR, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Mile Auto	$150	$125
State Farm	$163	$127
USAA	$196	$154
GEICO	$211	$165
Safeco	$261	$185
COUNTRY Financial	$261	$204
National General	$282	$155
American Family	$283	$221
Nationwide	$294	$229
Bristol West	$321	$171
Allstate	$327	$254
Direct Auto	$330	$208
Root	$330	$229
Sun Coast	$338	$139
The General	$340	$194
Liberty Mutual	$361	$299
Farmers	$381	$297
Dairyland	$429	$187
Travelers	$475	$370
GAINSCO	$523	$281

Disclaimer: Table data sourced from real-time Portland car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Portland may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

If you have an at-fault accident on your record, your premiums will climb, as insurers will see you as a higher risk. Fortunately, if you maintain a spotless record going forward, your rates should decrease after a couple years, depending on your insurer.

State Farm offers the cheapest coverage to Portland drivers with an accident on their record for $129 per month.

The table below provides you with an example of the average monthly quotes you can expect to receive with an at-fault accident on your record.

The below rates in Portland, OR, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Mile Auto	$161	$135
State Farm	$166	$129
USAA	$198	$156
GEICO	$206	$160
COUNTRY Financial	$256	$200
Safeco	$270	$192
American Family	$286	$223
National General	$294	$161
Nationwide	$297	$232
Root	$324	$225
Bristol West	$327	$174
Allstate	$329	$255
Sun Coast	$340	$140
The General	$342	$195
Direct Auto	$351	$221
Liberty Mutual	$368	$305
Farmers	$387	$302
Dairyland	$443	$193
Travelers	$481	$374
GAINSCO	$547	$293

Disclaimer: Table data sourced from real-time Portland car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Portland may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Sun Coast

Insurers generally view DUIs as the most serious of incidents, and if you have one on your record, you can expect your rates to jump dramatically. Some insurers may even drop you if you’re cited for DUI.

Drivers in Portland with a DUI typically pay $157 for liability coverage, and $223 for full coverage.

The table below shows what monthly quotes you would see, on average, for your insurance premiums with a DUI on your record.

The below rates in Portland, OR, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Mile Auto	$159	$133
State Farm	$167	$130
USAA	$196	$154
GEICO	$207	$162
COUNTRY Financial	$238	$186
Safeco	$275	$195
American Family	$283	$221
Nationwide	$294	$229
National General	$294	$161
Sun Coast	$303	$125
Root	$323	$224
Allstate	$326	$253
The General	$331	$188
Bristol West	$331	$176
Direct Auto	$343	$215
Liberty Mutual	$368	$305
Farmers	$386	$301
Dairyland	$444	$194
Travelers	$476	$370
GAINSCO	$568	$305

Disclaimer: Table data sourced from real-time Portland car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Portland may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

Insurers calculate premiums based on many factors, including age. Teens pay the highest premiums before rates drop, often around age 35. However, those rates start increasing again as drivers reach senior status. The exact age for this status varies by insurer. This increase in premiums is due, in part, to the slower reflexes common with the aging process, as well as the increased risk of injury in the event of a crash.

State Farm offers the cheapest insurance for Portland seniors at $75 per month.

If you’re a senior, the table below shows what you would pay monthly, on average, for your insurance premiums.

The below rates in Portland, OR, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Mile Auto	$91	$76
State Farm	$95	$75
USAA	$116	$91
GEICO	$122	$95
COUNTRY Financial	$144	$113
Safeco	$164	$117
Nationwide	$164	$128
American Family	$165	$129
National General	$169	$92
Allstate	$193	$150
Root	$197	$136
Bristol West	$201	$107
Direct Auto	$202	$127
The General	$203	$116
Sun Coast	$209	$86
Farmers	$223	$174
Liberty Mutual	$225	$186
Dairyland	$274	$120
Travelers	$277	$215
GAINSCO	$352	$189

Disclaimer: Table data sourced from real-time Portland car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Portland may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

Because teenage drivers don’t have much driving experience, and because research shows that they’re more likely to have accidents, insurers charge higher premiums for this age group. Fortunately, you can find ways to reduce rates. For instance, a teenager driving a model that an insurer considers a safe vehicle would pay less than they would behind the wheel of a vehicle considered unsafe. Insurers also charge less when a teenage driver stays on their parents’ policy, and many insurers offer discounts for good grades and completion of a driver safety course.

Teen drivers can find the cheapest rates from State Farm for $195 per month.

Here’s a look at the average monthly quotes for teens in Portland.

The below rates in Portland, OR, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT. 

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	$250	$195
Mile Auto	$252	$211
USAA	$282	$222
GEICO	$292	$228
COUNTRY Financial	$310	$243
Safeco	$401	$285
American Family	$415	$324
Root	$433	$300
Nationwide	$445	$346
The General	$450	$256
Bristol West	$458	$244
National General	$460	$252
Sun Coast	$496	$204
Allstate	$500	$388
Liberty Mutual	$505	$417
Direct Auto	$510	$321
Dairyland	$593	$258
Farmers	$594	$463
Travelers	$762	$593
GAINSCO	$803	$431

Disclaimer: Table data sourced from real-time Portland car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Portland may vary based on the policy buyer's unique driver profile.

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Is car insurance more expensive in Portland?

Yes, insurance coverage is more expensive for drivers in Portland than in many other parts of the country. The U.S. national average is $99 a month for liability-only coverage and $173 for full coverage. In Portland, Oregon, you’ll pay considerably more. On average, a Portland driver will pay $128 for liability-only coverage and $182 for full coverage.

Rates may be higher in Portland due to the increased risk of crimes or accidents, as well as the higher cost of repairs after an accident.

More cities in Oregon

How does car insurance in Portland stack up against other cities across the state? The table below should give you an idea. On average, drivers pay $182 a month for full-coverage car insurance in Portland, which is higher than many other cities in Oregon.

City	Full Coverage	Liability Only
Beaverton	$159	$123
Corvallis	$107	$79
Eugene	$121	$87
Grants Pass	$127	$71
McMinnville	$149	$102
Medford	$120	$77
Salem	$162	$113
Springfield	$84	$122

Disclaimer: Table data is based on real-time Portland quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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