Best Cheap Auto Insurance in Portland, Oregon (2025)

Mile Auto offers the cheapest rates in Portland for $90 per month.

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Cheapest recent rates near Portland, Oregon

Recent Portland, Oregon car insurance prices for Honda, Jeep, Porsche , and more.

*Quotes generated for Insurify users in and around Portland, Oregon within the last 10 days. Last updated on September 11, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from September 11, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Portland, Oregon within the last 10 days. Last updated on September 11, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from September 11, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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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 $162, which is higher than the average American driver pays, at $143 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.

Quick Facts
  • Portland drivers pay on average $133 per month for liability coverage, and $191 per month for full coverage.

  • Some companies offer cheap insurance in Portland, including State Farm, USAA, and GEICO.

  • It’s legal for insurers to review your credit score when determining your quote in Oregon.

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
sort ascsort desc
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.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best For
sort ascsort desc
Safeco9.3$145$102Cheap rates
USAA9.1$100$46Military community
GEICO9.2$119$54Discounts
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • 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

User Reviews
4.4
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.
$136/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.
$195/mo
4.4
Best choiceBased on 890 verified guest 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 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 For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (499)
Jason
Verified Purchase
Can't Believe the Great Rates
Reviewed in on September 2025
So far, so good. Great rates and communication, etc. I have yet to file a claim with them, so I can't comment on that.
Dan
Verified Review
Best company ever...but
Reviewed in Texas on August 2025
The first several years are outstanding, but of course, the rates start climbing to beyond reasonable.
Donald
Verified Review
Overcharged
Reviewed in Washington on August 2025
I have been insured with them since 1997. The claims that I have had with them have been for vehicles hitting me. I have not had any kind of ticket in 64 years or an at-fault accident in 59 years, yet my insurance premiums increased by 23% last year.
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

User Reviews
4.9
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.
$150/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.
$177/mo
4.9
Best choiceBased on 2,163 verified guest 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 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 For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,217)
Roger
Verified Review
Good
Reviewed in Florida on September 2025
All good except for rate increases.
Edward
Verified Review
USAA is wonderful
Reviewed in California on September 2025
USAA is the best value for money in the insurance market. Their customer service is excellent.
Bob
Verified Review
Solid Insurance Company
Reviewed in Alabama on August 2025
I'm a 68-year customer. That should tell you everything.
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

User Reviews
3.9
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.
$161/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
3.9
A solid optionBased on 12,186 verified guest 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 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 For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,488)
Gerard
Verified Review
I shopped around and Geico is the lowest priced.
Reviewed in Florida on September 2025
Go with Geico because they are the lowest priced.
Yvonne
Verified Review
Insurance Renewal Review – Loyalty vs. Better Rates
Reviewed in Florida on September 2025
We have had Geico now for over 10 years and have been pleased with the overall service, but unless our kids went off our insurance policy, our rates never went down, no matter what additional discounts we added on. Now we are down to three people and are still paying close to $750/month, so we started to get quotes for a better rate since longevity or loyalty does not get us any perks.
Cheryle
Verified Review
Fair
Reviewed in New York on September 2025
The premium increases every six months, even though I have no tickets or DUIs.
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: Mile Auto

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 Mile Auto for $90 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 are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Mile Auto$90
State Farm$127
National General$130
Safeco$136
Bristol West$149
USAA$150
Dairyland$152
Root$152
The General$157
GEICO$161
Direct Auto$162
COUNTRY Financial$190
Liberty Mutual$202
GAINSCO$204
American Family$216
Nationwide$225
Allstate$249
Farmers$296
Travelers$363
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Cheap Car Insurance in Portland

Average liability rates start at $133/month

Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

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 $191 per month. Portland drivers can find the cheapest full-coverage insurance from Mile Auto for $107 per month.

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

The below rates are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Mile Auto$107
State Farm$150
USAA$177
GEICO$190
Safeco$195
National General$224
COUNTRY Financial$225
Root$238
The General$255
American Family$256
Liberty Mutual$261
Nationwide$266
Direct Auto$274
Bristol West$278
Allstate$294
Dairyland$342
Farmers$350
GAINSCO$415
Travelers$429
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Portland, Oregon

Recent Portland, Oregon car insurance prices for Honda, Subaru, Nissan , and more.

*Quotes generated for Insurify users in and around Portland, Oregon within the last 10 days. Last updated on September 11, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from September 11, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Portland, Oregon within the last 10 days. Last updated on September 11, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from September 11, 2025. Actual quotes 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
sort ascsort desc
Minimum Requirements
sort ascsort desc
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:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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

Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

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 $187 for liability insurance. But, they can still find cheap rates from Mile Auto for $114 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 are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Mile Auto$136$114
State Farm$197$167
USAA$235$199
GEICO$259$219
Safeco$265$184
National General$297$172
COUNTRY Financial$299$253
Root$328$210
American Family$343$289
Liberty Mutual$346$268
Nationwide$356$301
The General$358$221
Direct Auto$366$216
Bristol West$372$199
Allstate$390$330
Dairyland$452$201
Farmers$466$394
GAINSCO$532$261
Travelers$575$487
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Mile Auto

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.

Mile Auto offers the cheapest coverage to Portland drivers with an accident on their record for $120 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 are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Mile Auto$142$120
State Farm$195$166
USAA$233$197
GEICO$238$201
Safeco$270$188
COUNTRY Financial$293$248
National General$296$172
Root$305$195
American Family$337$285
Liberty Mutual$345$267
The General$351$216
Nationwide$351$297
Bristol West$367$197
Direct Auto$374$221
Allstate$384$325
Dairyland$453$201
Farmers$461$390
GAINSCO$534$263
Travelers$567$480
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Mile Auto

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 $165 for liability coverage, and $237 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 are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Mile Auto$147$124
State Farm$206$175
USAA$244$206
GEICO$262$222
Safeco$287$200
National General$308$179
COUNTRY Financial$310$262
Root$328$209
The General$351$216
American Family$352$297
Liberty Mutual$359$278
Nationwide$366$310
Direct Auto$377$223
Bristol West$383$205
Allstate$405$343
Dairyland$471$209
Farmers$482$407
GAINSCO$571$281
Travelers$591$500
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Mile Auto

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.

Mile Auto offers the cheapest insurance for Portland seniors at $70 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 are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Mile Auto$83$70
State Farm$116$98
USAA$142$120
GEICO$149$126
Safeco$168$117
National General$172$100
COUNTRY Financial$184$155
Root$198$126
Nationwide$200$169
American Family$201$170
The General$207$128
Liberty Mutual$214$166
Direct Auto$216$128
Bristol West$225$121
Allstate$237$200
Farmers$273$231
Dairyland$276$123
Travelers$336$285
GAINSCO$345$169
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Mile Auto

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 Mile Auto for $195 per month.

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

The below rates are estimated rates current as of: Monday, September 1 at 12:00 PM PDT
Insurance Company
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Average Quote: Full Coverage
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Average Quote: Liability Only
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Mile Auto$232$195
State Farm$304$258
USAA$346$293
GEICO$364$308
COUNTRY Financial$377$319
Safeco$411$287
Root$443$283
The General$471$290
National General$483$280
Liberty Mutual$492$381
American Family$508$429
Bristol West$530$284
Nationwide$548$463
Direct Auto$571$338
Dairyland$609$271
Allstate$613$519
Farmers$716$606
GAINSCO$830$408
Travelers$914$774
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Cheap Car Insurance in Portland

Rates for teen drivers as low as $195/month

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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 $103 a month for liability-only coverage and $182 for full coverage. In Portland, Oregon, you’ll pay considerably more. On average, a Portland driver will pay $133 for liability-only coverage and $191 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 $191 a month for full-coverage car insurance in Portland, which is higher than many other cities in Oregon.

City
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Full Coverage
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Liability Only
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Beaverton$179$128
Corvallis$118$84
Eugene$131$91
Grants Pass$130$79
McMinnville$150$110
Medford$124$82
Salem$177$120
Springfield$89$134
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Portland car insurance FAQs

Looking for more information on how to find the most affordable car insurance in Portland? Find answers to your questions here.

  • How much is car insurance in Portland?

    Drivers pay an average of $133 for liability-only coverage and $191 for full coverage in Portland. This is considerably higher than the U.S. national average of $103 for liability-only coverage and $182 for full coverage.

  • What are the best car insurance companies in Portland?

    The best insurance companies in Portland include State Farm, USAA, and GEICO. State Farm offers the lowest rates and has award-winning customer service. USAA also provides low rates and offers numerous benefits to military members and their families. Finally, GEICO offers scores of discounts that could allow you to reduce your car insurance premium by more than you would have expected.

  • Why is car insurance so expensive in Portland?

    Car insurance in Portland could be expensive for several reasons, including a higher risk of crime and accidents due to its large population. The city’s higher cost of living could also make repairs more expensive, inflating rates.

  • Can auto insurers in Portland use your credit history to determine rates?

    Yes. Insurers are legally allowed to review your credit history when determining your rates in Oregon. Insurers generally view those with lower credit as being more risky to insure. As such, if you have low credit, you can expect to receive a more expensive quote than you would if you had a higher credit.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Bike Portland. "Governor Kotek just gave all Oregon cities permission to install speed cameras."
Geoff Williams
Geoff Williams

Geoff Williams is a freelance journalist who has written personal finance articles for most of his career and for numerous publications, including U.S. News & World Report, The Wall Street Journal, Bankrate, CNNMoney.com and Forbes.com. He is also the author of several books, including “C.C. Pyle’s Amazing Foot Race” and “Washed Away,” and writes a classic TV blog called “The TV Professor.”

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Edited byChris SchaferDeputy Managing Editor, News and Marketing Content
Chris Schafer
Chris SchaferDeputy Managing Editor, News and Marketing Content
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Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

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