4.8out of 3,000+ reviews

Cheap Auto Insurance Quotes in Portland, OR (May 2022)

Secure. Free. Easy-to-use.
Car Insurance
Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with the best car insurance companies in the U.S. to provide a tailored car insurance comparison experience. To date, we've delivered over 26 million quotes from both national and regional companies to over 4 million customers. Check out reviews from over 3,000 satisfied customers, how we make money, how we get our data, our editorial standards, and a list of our partners.
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.

Quick Facts

  • The average cost of car insurance in Portland is $191 per month, or $2292 annually.
  • Car insurance in Portland is $38 more than the average cost of car insurance in Oregon.
  • The cheapest car insurance provider in Portland on average is Metromile, but you should always compare quotes to find your best personal rate.

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 Companies

The General

Cheapest Car Insurance in Portland, OR

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in PortlandQuotes
Progressive$39 /mo
Allstate$126 /mo
Travelers$146 /mo
Nationwide$157 /mo
The General$241 /mo

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required

Average Car Insurance Cost

Oregon Cities
Average for OR
Click here to learn about car insurance quotes and save on your current policy.

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.

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
View more

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.

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

FAQs - Portland, OR Car Insurance

  • 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.
  • 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.
  • 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. Insurify.com provides the cheapest car insurance quotes and companies in your area in just a few seconds.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Portland Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Portland, Oregon below:


Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Portland drivers measure up to their fellow motorists across Oregon in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.


Honda Civic

Most Popular Car in Portland


City with the Most Speeding Tickets Rank in Oregon


City with the Most Moving Violations Rank in Oregon


City with the Most DUIs Rank in Oregon


City with the Most Suspended Licenses in Oregon

  • 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 pay on average 22.8% more than drivers with a clean record
  • 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 pay on average 16.06% more than drivers with a clean record
  • 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 pay on average 17.62% more than drivers with a clean record
  • 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.

    • 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 pay on average 15.54% more than drivers with a clean record.
  • 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%
  • 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 pay on average 900% more than drivers with a clean record
  • 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%
  • 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%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Olivia Oksenhorn
Olivia Oksenhorn

Content Specialist at Insurify

Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.

Learn More