Best Cheap Auto Insurance in Portland, Oregon (2026)
State Farm offers the cheapest rates in Portland for $96 per month.
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Geoff Williams
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Geoff is a freelance personal finance journalist and author. He’s been published in top outlets such as The Wall Street Journal and CNN Money.
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Table of contents
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.
Quick Facts
Portland drivers pay on average $128 per month for liability coverage, and $182 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  | 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.
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. | $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 |
4.4
Best choiceBased on 997 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 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 (532)
Robert
Verified Review
Safety is my current carrier
Reviewed in Massachusetts on February 18, 2026
Expensive.
Linda
Verified Review
Raising Prices Too High
Reviewed in New Hampshire on February 6, 2026
It was okay, but now they are raising the price on my policy by $572.20. They said it's because of rates for ambulances, fire, and police in Gilford. That doesn't seem to have anything to do with my auto insurance, but that's what they said.
Jon
Verified Review
Shop around
Reviewed in California on February 4, 2026
Shop around. I believe insurers give an initial lower rate and then increase it over time, knowing that most people just keep paying the higher rate. You have to shop every time renewal comes up.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
613NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.72A.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).
AWhy 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. | $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 |
4.9
Best choiceBased on 2,983 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 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 (1,454)
John
Verified Review
No claims, tickets, etc. Low mileage on both vehicles, yet the price increased by $300 from last year.
Reviewed in Massachusetts on February 17, 2026
No claims, tickets, etc. Low mileage on both vehicles, yet the price increased by $300 from last year.
Ritchie
Verified Review
Need cheaper coverage
Reviewed in Arizona on February 17, 2026
I would like to have full coverage at a cheaper rate.
Olivia
Verified Review
Unhappy with your rates
Reviewed in New Jersey on February 17, 2026
Very unhappy. I've been with the company for years. I get no discount, and I don't think they help veterans with their high rates. I am getting lower quotes from everybody else.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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 | 4.0 |
|---|---|
| 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 |
4.0
Best choiceBased on 15,389 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 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 (7,328)
Andreas
Verified Review
Очень вежливы и готовы ответить на все вопросы
Reviewed in Florida on February 18, 2026
На сегодня это самая выгодная для меня компания!
Bruce
Verified Review
Geico is not what it once was.
Reviewed in New York on February 18, 2026
Unreal how long it took to even get through the process. First, I had to take pictures. For some reason, they don’t send anybody to look at your car anymore. That took a day. Then I had to email everything to some office, and it took four days for that person to get back to me. Another afternoon and the next day to get a Rent-A-Car. Also, it was almost impossible to pick a car. I ended up having to spend 20 extra dollars a day because it was a larger car. Today, the process has taken almost 2 weeks, the car is in a shop, and no one from GEICO has called me for over a week. Really a very bad experience with GEICO. I’ve been a customer for 30 years at least, and I’ve never experienced this lack of care from anyone else.
John
Verified Review
My experience was terrible
Reviewed in Florida on February 18, 2026
I wouldn't suggest Geico to anyone. All they've done is increase my insurance rates for no reason.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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: Tuesday, February 17 at 11:00 AM PST.
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: Tuesday, February 17 at 11:00 AM PST.
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.
Cheapest recent rates near Portland, Oregon
Drivers using Insurify have found quotes as cheap as $47/mo for liability only and $49/mo for full coverage in Portland and other Oregon cities.
*Quotes generated for Insurify users in and around Portland, Oregon within the last 10 days. Last updated on February 19, 2026. 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 February 19, 2026. 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 February 19, 2026. 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 February 19, 2026. 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 | Minimum Requirements |
|---|---|
| Bodily injury liability |
|
| Property damage liability |
|
| Personal injury protection |
|
| Uninsured motorist coverage |
|
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 $126 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: Tuesday, February 17 at 11:00 AM PST.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Mile Auto | $150 | $126 |
| State Farm | $163 | $127 |
| USAA | $196 | $154 |
| GEICO | $211 | $165 |
| Safeco | $261 | $186 |
| COUNTRY Financial | $261 | $204 |
| National General | $282 | $155 |
| American Family | $283 | $221 |
| Nationwide | $294 | $229 |
| Bristol West | $321 | $171 |
| Allstate | $327 | $254 |
| Direct Auto | $331 | $208 |
| Root | $331 | $229 |
| Sun Coast | $339 | $140 |
| The General | $340 | $194 |
| Liberty Mutual | $361 | $299 |
| Farmers | $381 | $297 |
| Dairyland | $426 | $186 |
| 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 $130 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: Tuesday, February 17 at 11:00 AM PST.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Mile Auto | $161 | $135 |
| State Farm | $166 | $130 |
| USAA | $198 | $156 |
| GEICO | $206 | $161 |
| COUNTRY Financial | $256 | $200 |
| Safeco | $271 | $193 |
| American Family | $286 | $223 |
| National General | $295 | $162 |
| Nationwide | $298 | $232 |
| Root | $324 | $225 |
| Bristol West | $328 | $175 |
| Allstate | $330 | $256 |
| Sun Coast | $343 | $141 |
| The General | $343 | $195 |
| Direct Auto | $353 | $222 |
| Liberty Mutual | $370 | $306 |
| Farmers | $388 | $302 |
| Dairyland | $441 | $192 |
| Travelers | $482 | $375 |
| GAINSCO | $549 | $295 |
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 $163 for liability coverage, and $231 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: Tuesday, February 17 at 11:00 AM PST.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Mile Auto | $160 | $134 |
| State Farm | $168 | $131 |
| USAA | $198 | $156 |
| GEICO | $211 | $165 |
| COUNTRY Financial | $242 | $189 |
| Safeco | $280 | $199 |
| American Family | $286 | $223 |
| Nationwide | $297 | $231 |
| National General | $297 | $163 |
| Sun Coast | $315 | $130 |
| Root | $329 | $228 |
| Allstate | $330 | $256 |
| The General | $334 | $190 |
| Bristol West | $334 | $178 |
| Direct Auto | $346 | $217 |
| Liberty Mutual | $372 | $308 |
| Farmers | $390 | $304 |
| Dairyland | $449 | $196 |
| Travelers | $480 | $373 |
| GAINSCO | $573 | $308 |
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 $74 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: Tuesday, February 17 at 11:00 AM PST.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Mile Auto | $90 | $76 |
| State Farm | $95 | $74 |
| USAA | $116 | $91 |
| GEICO | $121 | $95 |
| COUNTRY Financial | $144 | $113 |
| Safeco | $164 | $116 |
| Nationwide | $164 | $127 |
| American Family | $165 | $128 |
| National General | $168 | $92 |
| Allstate | $193 | $150 |
| Root | $196 | $136 |
| Bristol West | $200 | $107 |
| Direct Auto | $201 | $126 |
| The General | $202 | $115 |
| Sun Coast | $208 | $86 |
| Farmers | $223 | $173 |
| Liberty Mutual | $224 | $185 |
| Dairyland | $275 | $120 |
| Travelers | $276 | $215 |
| GAINSCO | $350 | $188 |
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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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 $194 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: Tuesday, February 17 at 11:00 AM PST.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| State Farm | $249 | $194 |
| Mile Auto | $251 | $210 |
| USAA | $281 | $221 |
| GEICO | $291 | $227 |
| COUNTRY Financial | $309 | $242 |
| Safeco | $400 | $284 |
| American Family | $414 | $322 |
| Root | $432 | $299 |
| Nationwide | $443 | $345 |
| The General | $449 | $256 |
| Bristol West | $457 | $243 |
| National General | $459 | $251 |
| Sun Coast | $493 | $203 |
| Allstate | $498 | $386 |
| Liberty Mutual | $503 | $416 |
| Direct Auto | $510 | $321 |
| Dairyland | $581 | $253 |
| Farmers | $591 | $461 |
| Travelers | $758 | $590 |
| GAINSCO | $806 | $433 |
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
Rates for teen drivers as low as $194/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 $99 a month for liability-only coverage and $174 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.
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 $128 for liability-only coverage and $182 for full coverage in Portland. This is considerably higher than the U.S. national average of $99 for liability-only coverage and $174 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 190 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
- 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.
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Sources
- Bike Portland. "Governor Kotek just gave all Oregon cities permission to install speed cameras."
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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.”
Chris SchaferDeputy Managing Editor, News and Marketing Content
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