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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.

Portland Average (annual) Oregon Average U.S. Average
$1,785 $1,463 $1,548

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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.

Insurance Company Average Annual Rate
GEICO $1,181
USAA $1,245
Country $1,396
State Farm $1,455
Progressive $1,751

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.

Age bracket Average Yearly Rate
Teenagers $6,762
20s $2,335
30s $1,763
40s $1,668
50s $1,587
60s $1,626
70s $2,023

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.

Marital Status/Gender Average Yearly Rate
Female $1,884
Male $1,785
Single $1,682
Married $1,682
Divorced $1,791
Widowed $1,785

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.

Violation/Incident Average Annual Rate
DWI/DUI $2,484
Reckless Driving $2,673
At-fault Accident (damages < $1,000) $2,536
At-fault Accident (damages > $2,000) $2,698
Speeding Ticket (16-20 mph over speed limit) $2,205

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.

Credit Tier Average Rate (annual)
Very Poor $3,591
Fair $2,138
Good $1,785
Very Good $1,625
Exceptional $1,469

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

Portland Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Portland, you can expect 164 rainy days with an annual rainfall of 43.5 inches. Portland is also known to experience severe winter storms.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Be Prepared For

Driving in the Rose City

Major Highways
I-5 I-84 I-205
Popular Day Trips
Willamette Valley Mt. Hood Bagby Hot Springs

Find Local Portland Agents

J.B. Nibley Insurance, Inc.

1800 SW First Ave #10, Portland, OR 97201

Bolliger & Sons, Inc.

511 SE Belmont, Portland, OR 97214

Anchor Insurance & Surety Inc

1201 SW 12th Ave, Ste 500, Portland, OR 97205

Durham & Bates Agencies Inc

720 SW Washington St, Ste 250, Portland, OR 97205

LaPorte & Associates, Inc.

5515 SE Milwaukie Ave, Portland, OR 97202

Hockley/R.W. Neighbor & Company

2130 SW Jefferson St #315, Portland, OR 97201

Lloyd Purdy & Co

2015 Lloyd Center, Portland, OR 97212

Cundari Insurance Agency

8309 SW 22nd Ave, Portland, OR 97219

Ed Malone Agency

7822 SW Capitol Hwy #1, Portland, OR 97219

West Coast Bonding, LLC

2601 SW Patton Court, Portland, OR 97201

Northrup Corporation

621 SW Broadway Ste 350, Portland, OR 97205

Fullerton & Company, Inc.

2701 NW Vaughn St Ste 340, Portland, OR 97210

TEC Equipment Inc

PO Box 11272, Portland, OR 97211

Willis-Clay Ins Inc

202 SE 181st Avenue Suite 206, Portland, OR 97233

Alfred J. Davis Company

1901 NW 23rd, Portland, OR 97210

AAA Oregon/Idaho

600 SW Market Street, Portland, OR 97201

Risk Point Insurance Advisors

700 NE Multnomah St Ste 450, Portland, OR 97232

Aon Risk Insurance Services West, Inc.

851 SW 6th Ave #385, Portland, OR 97204

USI Northwest

700 NE Multnomah St, #1300, Portland, OR 97232

Keelson Partners

707 SW Washington St Ste 625, Portland, OR 97205

Timmco Insurance Inc

1615 NE Broadway, Portland, OR 97232

Brown & Brown NW

220 N W 2nd Ave #800, Portland, OR 97209

Propel Insurance

888 Sw 5Th Ave Ste 1170, Portland, OR 97204

Hecht & Hecht Life & Health Ins Agy, Inc

425 NE Hancock St, Portland, OR 97212

Joseph H. Herrle & Associates Insurance, Inc.

1800 SW First Ave #280, Portland, OR 97201

Propel Insurance

888 SW 5th Ave Ste 1170, Portland, OR 97204


The average Portlander's annual cost of coverage


Our customer's average savings after comparing insurance



That's equal to 235 Voodoo Doughnuts or $586 in savings

See How Much You Can Save in Portland

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Grace period for adding new vehicle with Progressive

For most major car insurance companies, you are correct. The state does not give any grace period to have the vehicle covered, but insurance companies will transfer coverage for a time frame - usually between 2-4 weeks.
Jun 13, 2018 Portland, OR

An automated security gate hit my door, should I file a claim or get them to pay for the damages?

It's unlikely the company will pay for damages to your vehicle because, as you stated, you misjudged where the gate would open to. In terms of filing a claim with your insurance company, I recommend getting an estimate first to see how much the damage will cost.
Dec 10, 2017 Portland, Oregon

Can I get car insurance without a home address?

Unfortunately it seems like you are in a tough spot until you have moved into your new place. Lots of information is used by insurance companies to determine the rate that they will charge to insure a driver and a major factor in rating that price is your home address.
May 29, 2016 Portland, OR

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.