120+ more*Quotes generated for Insurify users in and around Portland, Oregon within the last 10 days. Last updated on May 12, 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 May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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9+ years in personal finance writing
Certified Financial Counselor
Kat Tretina is a personal finance writer specializing in debt repayment and insurance.
Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.
For the past seven years, she’s been freelancing for major financial publications such as Yahoo! Finance, FinanceBuzz, Forbes Advisor, and more. Her work focuses on helping people understand their financial options, including their insurance choices. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
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.
Updated
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Portland drivers pay an average of $124 per month for liability coverage and $204 per month for full coverage. Compared to Oregon’s average premiums, Portland’s are higher — largely due to its high vehicle theft rate.
The city is located in Multnomah County, which ranked 38th nationwide for car thefts by volume in 2025, according to National Insurance Crime Bureau data.
Rates in Portland are also higher than in Salem, a city about an hour south of Portland with a much lower population density.
The only city where Oregon car insurance rates are higher than in Portland is Gresham. On average, Gresham drivers pay $131 per month for liability-only car insurance coverage. A high population density, a high crime rate, and the risk of flooding near the Columbia River all contribute to higher premiums.
In Portland, your coverage must meet Oregon car insurance minimum requirements:[1]
$25,000 per person and $50,000 per accident of bodily injury liability
$20,000 per accident of property damage liability
$15,000 per person of personal injury protection
$25,000 per person and $50,000 per accident of uninsured motorist protection
At an average of $124 per month, liability coverage in Portland is more expensive than the state average of $92 per month. The city’s higher population density increases the risk of accidents. This, combined with a high vehicle theft rate, leads to higher car insurance premiums.
The table below shows the cheapest liability-only quotes in Portland.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $71 |
| Mile Auto | $80 |
| Sun Coast | $84 |
| USAA | $84 |
| GEICO | $89 |
| National General | $92 |
| Progressive | $100 |
| Bristol West | $104 |
| Country Financial | $106 |
| The General | $106 |
| Safeco | $106 |
| Dairyland | $113 |
| American Family | $121 |
| Nationwide | $125 |
| Direct Auto | $125 |
| Root | $129 |
| Allstate | $139 |
| Farmers | $164 |
| Liberty Mutual | $165 |
| Travelers | $202 |
| GAINSCO | $207 |
Liability quotes start as low as $71 per month
Full-coverage policies, which include collision coverage and comprehensive coverage, can be a worthwhile investment in Portland. The city gets about 4.5 inches of snow per year, increasing the risk of weather-related collisions.
In addition to the city’s high vehicle theft rate, more than 7,000 wildlife collisions occur on Oregon’s roads each year, increasing the risk of vehicle damage.[2]
On average, Portland drivers pay $204 per month for full-coverage insurance. This is significantly more expensive than the state average of $158 per month.
The table below shows companies with the cheapest full-coverage insurance quotes in Portland.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Mile Auto | $97 |
| State Farm | $123 |
| USAA | $146 |
| Safeco | $147 |
| GEICO | $156 |
| National General | $169 |
| Country Financial | $184 |
| Progressive | $184 |
| Root | $185 |
| Bristol West | $190 |
| Sun Coast | $201 |
| American Family | $210 |
| Nationwide | $218 |
| Liberty Mutual | $220 |
| Direct Auto | $222 |
| Dairyland | $241 |
| Allstate | $241 |
| The General | $247 |
| Farmers | $286 |
| GAINSCO | $350 |
| Travelers | $352 |
The cheapest city for full-coverage insurance in Oregon is Corvallis, a city about 80 miles south of Portland. On average, Corvallis drivers pay $119 per month for a full-coverage policy.
Corvallis has a lower population density than Portland, and its residents average just 16 minutes of commuting time to work, making them less likely to be involved in an accident.
Portland’s rates are higher due to its vehicle theft rate of 8.7 per 1,000 — significantly higher than the statewide average of 2.9. Insurers consider vehicle theft rates, among other factors, when setting premiums.
The table below shows average monthly auto insurance rates for various Oregon cities.
City | Average Monthly Quote |
|---|---|
| Beaverton | $146 |
| Corvallis | $97 |
| Eugene | $115 |
| Grants Pass | $103 |
| Medford | $104 |
| Portland | $164 |
| Salem | $145 |
| Springfield | $110 |
*Quotes generated for Insurify users in and around Portland, Oregon within the last 10 days. Last updated on May 12, 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 May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Portland drivers with past infractions on their driving records pay significantly more for car insurance than people with a clean driving history.
The companies below have the cheapest liability rates for various driving records in Portland:
Cheapest car insurance for Portland drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Portland: State Farm
Cheapest car insurance for Portland drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUII in Portland: State Farm
In Portland, approximately 5% of drivers have a speeding ticket and 5% have an at-fault accident on their driving histories, according to Insurify data. About 0.72% of drivers have a driving under the influence of intoxicants (DUII) conviction on their records, compared to the statewide average of 0.78%.
If you’re convicted of DUII, you’ll lose your license for at least one year and may be required to carry SR-22 insurance in Oregon to reinstate your license.
Impaired drivers are a growing problem in Portland. In 2024, police made 229 DUII-related arrests, and 119 collisions involved an impaired driver. Those numbers are up from just 40 DUII-related calls in 2023.
To address this issue, Portland instituted “Vision Zero,” an action plan created to reduce traffic deaths and injuries. The plan places a renewed focus on enforcement of DUII laws and advocates for lowering the state of Oregon’s legal blood alcohol level.[3]
The table below shows the difference in average monthly premiums in Portland between drivers with a clean record and drivers with an infraction.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $164 |
| Speeding ticket | $222 |
| At-fault accident | $222 |
| DUII | $211 |
Portland was ranked among the 25 worst cities for traffic congestion in the U.S. in the 2025 Inrix report. Drivers spend an average of 41 hours per year stuck in traffic.
Not only that, but parking in Portland can be difficult. Portland hosts many events throughout the year. Combined with a growing demand for entertainment and more dining options, the city launched a phased expansion of pay-to-park hours for street parking. It also raised parking rates to help curb demand.
Between 2017 and 2021, night crashes were responsible for nearly 70% of pedestrian deaths and serious injuries. As a result, the Portland Bureau of Transportation spent more than $16 million to add or improve street lighting on wide streets within the so-called “High Crash Network.”[4]
Nearly 15% of drivers in the state are uninsured, according to the Insurance Information Institute. For this reason, it’s worth considering additional uninsured/underinsured motorist coverage to protect yourself financially from these high-risk drivers.
Portland’s High Crash Network encompasses 30 streets and intersections with the most serious crashes. But the area with the most traffic and congestion includes the eastbound section of Highway 26 between the Highway 217 Interchange through the Vista Ridge tunnels, according to the Inrix report.
The Interstate 5 South/I-205 Junction is another major bottleneck that can back up during rush hour.
During the winter months, it’s not uncommon for Portland to receive snow, freezing rain, and hail, which can also affect driving conditions and increase accident risk.
Portland’s efforts to improve driver safety seem to be paying off, particularly for teens. While teens accounted for about 13% of traffic deaths between 2020 and 2024, just one teen died as a result of a crash in 2025.[5]
Teens make up approximately 16% of Portland’s population, and they pay much higher insurance rates than drivers in other age groups. At $237 per month, the average cost of liability car insurance for teens in Portland is nearly double the average premium for all age groups.
But shopping around can help you get lower rates. The table below shows the lowest auto insurance rates for teen drivers in Portland.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $141 |
| USAA | $159 |
| Sun Coast | $160 |
| GEICO | $165 |
| Mile Auto | $169 |
| Country Financial | $176 |
| National General | $188 |
| Bristol West | $189 |
| Progressive | $191 |
| The General | $195 |
| Dairyland | $202 |
| Safeco | $220 |
| Root | $230 |
| American Family | $235 |
| Direct Auto | $249 |
| Nationwide | $250 |
| Allstate | $282 |
| Liberty Mutual | $297 |
| Farmers | $336 |
| GAINSCO | $379 |
| Travelers | $431 |
Check quotes from 120+ top insurance companies
Nearly 15% of Portland’s population is 65 or older. Seniors typically pay less for car insurance than other age groups, since they often drive fewer miles and may have years of safe driving experience.
Even so, 33% of people killed in Portland crashes in 2025 were 65 or older, according to Portland’s 2025 crash report summary.[6]
Portland drivers in their 60s pay monthly averages of $106 for liability policies and $174 for full-coverage policies.
The following table highlights companies with the cheapest minimum coverage rates for senior drivers in Portland.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $55 |
| Mile Auto | $63 |
| USAA | $68 |
| GEICO | $70 |
| National General | $72 |
| Sun Coast | $72 |
| Country Financial | $83 |
| Progressive | $85 |
| Bristol West | $86 |
| The General | $90 |
| Safeco | $92 |
| Dairyland | $95 |
| Nationwide | $95 |
| American Family | $96 |
| Direct Auto | $102 |
| Root | $107 |
| Allstate | $112 |
| Farmers | $129 |
| Liberty Mutual | $136 |
| Travelers | $160 |
| GAINSCO | $176 |
Answers to the following questions can help you find the cheapest auto insurance coverage in Portland.
The average cost of car insurance in Portland is $164 per month. You can typically save by bundling your auto policy with homeowners or renters insurance, as well as by shopping around and requesting quotes from several car insurance companies.
In Portland, State Farm has the cheapest liability rates, with premiums averaging $71 per month.
In Portland, State Farm is usually cheaper than GEICO for liability and full-coverage policies. State Farm’s average liability rate is $71 per month, with full-coverage policies averaging $97 per month.
Portland drivers pay higher rates than the state average due to the city’s high population density and high motor vehicle theft rate. Other factors can affect your Portland car insurance premiums, like your coverage limits, deductibles, and credit history.
To find the best car insurance policy in Portland, request free auto insurance quotes from several insurance companies. You should also ask your local insurance agent about available discounts, and make sure the company offers the coverage options you need to feel sufficiently protected.
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:
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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9+ years in personal finance writing
Certified Financial Counselor
Kat Tretina is a personal finance writer specializing in debt repayment and insurance.
Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.
For the past seven years, she’s been freelancing for major financial publications such as Yahoo! Finance, FinanceBuzz, Forbes Advisor, and more. Her work focuses on helping people understand their financial options, including their insurance choices. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
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.