Portland, OR car insurance

What's the average car insurance rate in Portland?

Car insurance costs an average of $1,785 per year in Portland, Oregon. That's greater than than the average across Oregon ($1,463) and more expensive than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Portland.

CAR INSURANCE: PORTLAND RATES VS. STATE + NATIONAL AVERAGES

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• Company
• Age group
• Gender
• Driving record
• Credit score

Portland car insurance premiums by provider

The difference in auto insurance rates from company to company can be substantial. In Portland, GEICO offers the cheapest premiums for the typical insurance buyer. We've listed the best cheap car insurance companies in Portland below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.

PORTLAND AUTO INSURANCE RATES BY COMPANY

Check out our guide to learn how to find the best cheap car insurance.

Portland car insurance costs by age

Portland drivers in their 50s pay relatively affordable car insurance rates just $1,587each year, on average. Rates for Portland drivers in their 60s are also relatively affordable, at just $1,626 per year.

The Portland drivers who pay the highest insurance rates are teenagers. One of the most effective ways to lower your car insurance rates as a driver in Portland is to age out of your teens. In Portland, teenage drivers pay $6,762 — a full $5,136 more than the second-most expensive rate paid by an age group.

PORTLAND CAR INSURANCE RATES BY DRIVER AGE

Learn more about the impact of age on car insurance premiums.

Portland car insurance rates by marital status and gender

In some cases, a driver's gender and marital status may influence the car insurance rates they pay. Married drivers usually pay less for car insurance than their single counterparts. In Portland, married motorists pay $103 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Portland, widowed drivers pay less than those who are single.

Gender is another factor that can influence auto insurance rates. In Portland, female drivers pay more for auto insurance than do male drivers: $99 per year, to be precise.

PORTLAND CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER

Read more about the relationships between gender, marital status and insurance rates.

Portland car insurance premiums by driving history

Maintaining a clean driving record is an effective way to minimize your auto insurance costs. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Portland drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $888 per year versus the city average. A ticket for speeding results in a $420 rate hike, on average, while a DUI violation costs $699per year in insurance premiums.

AVERAGE PORTLAND INSURANCE RATES AFTER A VIOLATION OR ACCIDENT

Learn more about how citations can raise your auto insurance rates.

Portland auto insurance rates by credit tier

It's no secret credit score is closely correlated with auto insurance rates. In Portland, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 59% drop in car insurance costs. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Portland, improving your credit to "Fair" could help you earn a $1,453 decrease in annual car insurance rates.

PORTLAND CAR INSURANCE PREMIUMS BY CREDIT SCORE

Get additional information on how credit impacts car insurance costs.

What drives up car insurance rates in Portland?

Where you live in Portland affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Portland is no exception to the rule. From ZIP code 97224 to 97218, premiums rise by 21 percent—that’s $272.

Expensive Portland ZIP codes: 97213, 97220, 97216, 97211, 97218

Cheap Portland ZIP codes: 97224, 97223, 97229, 97219, 97225