Cheap Auto Insurance Quotes in Portland, OR (2021)

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The City of Roses

Wedged between the Colubmia and Willamette Rivers, Oregon’s capital city, Portland, prides itself on their eco-forward culture, weirdness, and plethora of microbreweries and craft coffeehouses.

This hipster haven has a bike culture unparalleled by any other American city, but 86 percent of car-owning households still use their vehicles on a daily basis. With that many cars on the road, the right auto insurance policy for you and your lifestyle is a vital step towards safe driving in Portland. Compare and save on the best and cheapest car insurance quotes in Portland, Oregon.

Car Insurance in Portland, OR

The average cost of Oregon car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Portland, OR to find you the cheapest quotes in the area.

Quotes by Top Carriers
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ProgressiveAllstateTravelersNationwideThe General
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Cheapest Car Insurance in Portland, OR

Here are the cheapest carriers in Portland for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
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Portland, OR Driving Facts


Minimum Car Insurance Requirements in OR

All motor vehicles operated or parked on Oregon roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

Oregon auto insurance requirements are among the most comprehensive in the country. Coverage requirements mandated by Oregon law are a bit more comprehensive than the average state. The minimum liability car insurance requirements for private passenger vehicles in Oregon are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Oregon state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Oregon law.

  • $20,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Oregon is $20,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

  • $25,000 per person/$50,000 per accident Uninsured Motorist Bodily Injury (UMBI)

Uninsured and underinsured motorist coverage are required forms of insurance in Oregon. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered by insurance. 

  • $15,000/person Personal Injury Protection (PIP)

Personal Injury Protection (PIP) provides coverage for medical costs that drivers and their passengers may face after an accident. PIP coverage protects drivers even if they are found to be at fault. Medical expenses are covered by this type of protection, and at least $15,000 worth of coverage is required in Oregon.

Portland DMV Information 

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

Public Transit in Portland

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

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

As American drivers know too well, enough of their precious time is wasted sitting in traffic each year. There’s no need to waste more time finding the perfect auto insurance policy.

Use Insurify to find the best rates available by comparing dozens of insurance quotes in just a few seconds.

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

Find local Portland agents

Timmco Insurance Inc 
1615 NE Broadway, Portland, OR 97232
Assurety Insurance & Consulting 
11000 SW Barbur Blvd, Suite 100, Portland, OR 97219
J.B. Nibley Insurance, Inc. 
1800 SW First Ave #10, Portland, OR 97201
Caerus Insurance 
2545 Sw Spring Garden St Ste 210, Portland, OR 97219
Ed Malone Agency 
7822 SW Capitol Hwy Suite #1, Portland, OR 97219
Rogers, Fitzwalter & Powell, Inc. 
1521 SW Salmon St, Portland, OR 97205
MVW Insurance Inc 
7412 SW Beaverton Hillsdale Hwy #112, Portland, OR 97225
Durham & Bates Ins Brokers & Agents 
720 SW Washington St, Ste 250, Portland, OR 97205-3554
PRL Insurance 
14150 SE Stark St, Portland, OR 97233-2157
Cox Insurance 
5755 NE Glisan St, Portland, OR 97213-3749

Insurify Insights: How Portland Drivers Measure Up

Honda Civic
Most Popular Car in
Portland, OR
suspended licenses
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Portland drivers measure up to their fellow Oregon motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Portland

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Portland drivers rank 10 in the number of car accidents per driver across all cities in Oregon.

  • Rank within state: #10
  • Percent of drivers in Portland with an accident: 11.28%
  • Drivers in Portland, OR with an accident in their driving history paid on average 22.8% more than drivers with a clean record

Speeding Portland

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Oregon, Portland drivers rank 7 in the number of speeding infractions per driver.

  • Rank within state: #7
  • Percent of drivers in Portland with a speeding ticket: 12.29%
  • Drivers in Portland, OR with a speeding ticket in their driving history paid on average 16.06% more than drivers with a clean record

DUI/DWIs Portland

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Portland drivers rank 13 in the number of DUI’s per driver across all cities in Oregon.

  • Rank within state: #13
  • Percent of drivers in Portland with a DUI: 1.67%
  • Drivers in Portland, OR with a DUI in their driving history paid on average 17.62% more than drivers with a clean record

Most Popular Vehicle Portland

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Portland is the Honda Civic.

Rude Portland

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Oregon, Portland drivers rank 4 in rude driving infractions.

  • Rank within state: #4
  • Percent of drivers in Portland with a reckless driving violation: 2.41%
  • Drivers in Portland, OR with a reckless driving violation in their driving history paid on average 15.54% more than drivers with a clean record.

Safest Drivers Portland

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Portland drivers rank 5 in clean driving records across all cities in Oregon.

  • Rank within state: #5
  • Percent of drivers in Portland with clean record: 77.73%

Failure to Yield the Right of Way Portland

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Portland drivers rank 8 in failure to yield violations per driver across all cities in Oregon.

  • Rank within state: #8
  • Percent of drivers in Portland with a failure to yield violation: 0.2%
  • Drivers in Portland, OR with a failure to yield violation in their driving history paid on average 900% more than drivers with a clean record

Reckless Drivers Portland

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Oregon, Portland drivers rank 6 in the number of reckless driving offenses per driver.

  • Rank within state: #6
  • Percent of drivers in Portland with a reckless driving offense: 0.14%

Hybrid/Electric Vehicle Ownership Portland

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Portland drivers rank 1 in hybrid and electric vehicle ownership across all cities in Oregon.

  • Rank within state: #1
  • Percent of drivers in Portland with a hybrid/electric vehicle: 2.14%

Green Driving in Portland, OR

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The state of Oregon offers many green driver incentives, including federal tax credits, loans, and discounts through some car insurance carriers.

Greenes Cities


Greenes Cities
% of Hybrids / Electrics

FAQs - Portland, OR Car Insurance

Is my car covered if damaged in a natural disaster?

With Mother Nature, it’s best to expect the unexpected. If you want to ensure your vehicle is covered if damaged after a storm, earthquake, or flood, it’s important to get full coverage car insurance, including comprehensive coverage. This coverage will bring peace of mind during extreme weather events.

What is non-owner car insurance? Do I need it in Oregon?

Non-owner car insurance provides liability coverage if you’re driving a car you don't own. If you regularly rent or borrow cars, non-owner car insurance may be a good option for you. Though it’s not legally required in Oregon, non-owner car insurance can be a lifesaver for a driver caught up in an accident while driving a car that doesn’t belong to them.

Which company offers the cheapest car insurance in Portland?

The best way to get the cheapest car insurance in Portland and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. provides the cheapest car insurance quotes and companies in your area in just a few seconds.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.