Best Cheap Auto Insurance in Portland, OR (2021)

The average Portland, OR auto insurance rates are $360 per month. The minimum auto insurance in Portland is at least 25/50/20 in coverage to comply with Oregon auto insurance laws. To find the best cheap auto insurance in Portland, Oregon, compare quotes from multiple companies.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jul 16, 2021

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • Average auto insurance rates in Portland, OR for senior drivers are $2,481 per year
  • The average commute length in Portland is 26.5 minutes
  • The most expensive auto insurance company in Portland for teen drivers is Allstate

Portland, Oregon auto insurance requirements are 25/50/20 according to Oregon auto insurance laws. Finding cheap auto insurance in Portland can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Portland, Oregon, including driving record, credit, commute time, and more.

Compare auto insurance in Portland to other Oregon cities, including Gresham auto insurance rates, Hillsboro auto insurance rates, and Bend auto insurance rates to see how Portland, Oregon auto insurance rates stack up.

Before you buy Portland, Oregon auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Portland, Oregon auto insurance quotes.

Minimum Auto Insurance in Portland, Oregon

Portland, Oregon auto insurance laws require that you have at least the Oregon minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Portland, Oregon.

Minimum Required Auto Insurance Coverage in Portland, Oregon

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

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Cheap Portland, Oregon Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Portland, Oregon are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Portland, Oregon

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,704 $3,422 $3,393 $3,424 $11,496 $12,770 $3,831 $3,818
American Family $2,922 $2,922 $2,602 $2,602 $7,291 $11,487 $2,922 $3,054
Farmers $2,752 $2,698 $2,427 $2,589 $11,755 $12,061 $3,077 $3,140
GEICO $2,709 $2,617 $2,552 $2,595 $7,107 $6,433 $2,884 $2,457
Liberty Mutual $3,370 $3,555 $2,921 $3,256 $11,063 $11,945 $3,229 $3,240
Nationwide $2,919 $2,894 $2,595 $2,708 $6,899 $8,620 $3,432 $3,609
Progressive $2,273 $2,048 $1,980 $2,039 $9,992 $10,991 $2,712 $2,545
State Farm $2,198 $2,198 $2,025 $2,025 $7,166 $9,002 $2,499 $2,860
Travelers $2,333 $2,364 $2,129 $2,223 $6,920 $8,546 $2,436 $2,485
USAA $1,811 $1,750 $1,806 $1,733 $5,613 $5,999 $2,336 $2,413

Cheap Portland, Oregon Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Portland, Oregon is a challenge. Take a look at the annual teen auto insurance rates in Portland, Oregon.

Annual Auto Insurance Rates for Teen Drivers in Portland, Oregon

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,496 $12,770
American Family $7,291 $11,487
Farmers $11,755 $12,061
GEICO $7,107 $6,433
Liberty Mutual $11,063 $11,945
Nationwide $6,899 $8,620
Progressive $9,992 $10,991
State Farm $7,166 $9,002
Travelers $6,920 $8,546
USAA $5,613 $5,999

Cheap Portland, Oregon Auto Insurance for Seniors

What are senior auto insurance rates in Portland, Oregon? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Portland, Oregon

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,393 $3,424
American Family $2,602 $2,602
Farmers $2,427 $2,589
GEICO $2,552 $2,595
Liberty Mutual $2,921 $3,256
Nationwide $2,595 $2,708
Progressive $1,980 $2,039
State Farm $2,025 $2,025
Travelers $2,129 $2,223
USAA $1,806 $1,733

Cheap Portland, Oregon Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Portland, Oregon compared to the annual auto insurance rates with a clean record in Portland, Oregon.

Annual Portland, Oregon Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,576 $6,248 $6,472 $5,633
American Family $3,122 $4,722 $6,051 $4,005
Farmers $4,271 $5,512 $5,389 $5,077
GEICO $2,396 $3,865 $5,117 $3,300
Liberty Mutual $4,712 $5,280 $6,058 $5,240
Nationwide $3,558 $3,816 $5,430 $4,034
Progressive $3,246 $5,978 $4,194 $3,872
State Farm $3,309 $4,358 $3,659 $3,659
Travelers $2,972 $3,815 $4,306 $3,626
USAA $2,117 $2,971 $4,158 $2,485

Cheap Portland, Oregon Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Portland, Oregon is not easy. Compare the annual rates for DUI auto insurance in Portland, Oregon to find the best deal.

Annual Auto Insurance Rates After a DUI in Portland, Oregon

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,472
American Family $6,051
Farmers $5,389
GEICO $5,117
Liberty Mutual $6,058
Nationwide $5,430
Progressive $4,194
State Farm $3,659
Travelers $4,306
USAA $4,158

Cheap Portland, Oregon Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Portland, Oregon annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Portland, Oregon

Insurance Company Poor Fair Good
Allstate $7,545 $5,294 $4,358
American Family $5,686 $4,199 $3,540
Farmers $5,824 $4,806 $4,557
GEICO $4,430 $3,670 $2,909
Liberty Mutual $7,805 $4,610 $3,553
Nationwide $5,095 $4,040 $3,494
Progressive $4,843 $4,203 $3,921
State Farm $5,238 $3,336 $2,665
Travelers $4,566 $3,621 $2,852
USAA $4,389 $2,454 $1,955

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Cheap Portland, Oregon Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Portland, Oregon can vary. Compare the annual cost of auto insurance by ZIP code in Portland, Oregon to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Portland, Oregon

ZIP Code Average Annual Rates
97201 $3,818
97202 $4,105
97203 $4,205
97204 $3,997
97205 $3,858
97206 $4,454
97209 $3,961
97210 $3,836
97211 $4,344
97212 $4,126
97213 $4,274
97214 $3,979
97215 $4,338
97216 $4,582
97217 $4,218
97218 $4,472
97219 $3,778
97220 $4,548
97221 $3,898
97222 $3,952
97223 $3,745
97224 $3,581
97225 $3,797
97227 $4,085
97229 $3,764
97230 $4,548
97231 $3,827
97232 $3,970
97233 $4,674
97236 $4,676
97239 $3,876
97258 $3,883
97266 $4,694
97267 $3,852

Cheap Portland, Oregon Auto Insurance Rates By Commute

Commute length and annual mileage affect Portland, Oregon auto insurance. Find the cheapest annual Portland, Oregon auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Portland, Oregon

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,732 $5,732
American Family $4,405 $4,545
Farmers $5,062 $5,062
GEICO $3,610 $3,729
Liberty Mutual $5,323 $5,323
Nationwide $4,210 $4,210
Progressive $4,323 $4,323
State Farm $3,647 $3,846
Travelers $3,531 $3,829
USAA $2,849 $3,017

Cheap Portland, Oregon Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Portland, Oregon? Check out the comparison of annual Portland, Oregon auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Portland, Oregon

Insurance Company Low Medium High
Allstate $5,474 $5,720 $6,003
American Family $4,443 $4,738 $4,244
Farmers $4,715 $4,990 $5,482
GEICO $3,318 $3,692 $3,999
Liberty Mutual $4,967 $5,308 $5,692
Nationwide $3,992 $4,328 $4,309
Progressive $4,153 $4,300 $4,514
State Farm $3,521 $3,755 $3,963
Travelers $3,414 $3,656 $3,969
USAA $2,797 $2,937 $3,065

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Best By Category: Cheapest Auto Insurance in Portland, Oregon

Compare the cheapest auto insurance companies in Portland, Oregon in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Portland, Oregon

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

The Cheapest Portland, Oregon Auto Insurance Companies

What auto insurance companies in Portland, Oregon are the cheapest? Compare the top Portland, Oregon auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Portland, Oregon

Insurance Company Average Annual Rates
Allstate $5,732
American Family $4,475
Farmers $5,062
GEICO $3,670
Liberty Mutual $5,323
Nationwide $4,210
Progressive $4,323
State Farm $3,746
Travelers $3,680
USAA $2,933

What affects auto insurance rates in Portland, Oregon?

There are a lot of reasons why auto insurance rates in Portland, Oregon are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Portland, Oregon. Many local factors may affect your Portland auto insurance rates.

Portland Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Portland, Oregon auto theft statistics, there have been 6,932 auto thefts in the city.

Portland Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Portland, Oregon commute length is 26.5 minutes according to City-Data.

Portland Traffic

How does Portland, Oregon rank for traffic? According to Inrix Portland, Oregon is the 115th most congested worldwide.

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Compare Portland, Oregon Auto Insurance Quotes

Before you buy Portland, Oregon auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Portland, Oregon auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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