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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.
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.
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.
| Cheapest Companies | |
|---|---|
 Progressive | $39/mo |
 Allstate | $126/mo |
 Travelers | $146/mo |
 Nationwide | $157/mo |
 The General | $241/mo |
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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:
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:
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.
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.
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.
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.
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.
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.
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
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
