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
|Portland Average (annual)||Oregon Average||U.S. Average|
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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.
PORTLAND AUTO INSURANCE RATES BY COMPANY
|Insurance Company||Average Annual Rate|
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
|Age bracket||Average Yearly Rate|
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
|Marital Status/Gender||Average Yearly Rate|
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
|Violation/Incident||Average Annual Rate|
|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|
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
|Credit Tier||Average Rate (annual)|
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
Find Local Portland Agents
West Coast Bonding, LLC
2601 SW Patton Court, Portland, OR 97201
Anchor Insurance & Surety Inc
1201 SW 12th Ave, Ste 500, Portland, OR 97205
700 NE Multnomah St, #1300, Portland, OR 97232
Aon Risk Insurance Services West, Inc.
851 SW 6th Ave #385, Portland, OR 97204
888 SW 5th Ave Ste 1170, Portland, OR 97204
Durham & Bates Agencies Inc
720 SW Washington St, Ste 250, Portland, OR 97205
Cundari Insurance Agency
8309 SW 22nd Ave, Portland, OR 97219
621 SW Broadway Ste 350, Portland, OR 97205
888 Sw 5Th Ave Ste 1170, Portland, OR 97204
LaPorte & Associates, Inc.
5515 SE Milwaukie Ave, Portland, OR 97202
Hecht & Hecht Life & Health Ins Agy, Inc
425 NE Hancock St, Portland, OR 97212
Willis-Clay Ins Inc
202 SE 181st Avenue Suite 206, Portland, OR 97233
Brown & Brown NW
220 N W 2nd Ave #800, Portland, OR 97209
Lloyd Purdy & Co
2015 Lloyd Center, Portland, OR 97212
Alfred J. Davis Company
1901 NW 23rd, Portland, OR 97210
Hockley/R.W. Neighbor & Company
2130 SW Jefferson St #315, Portland, OR 97201
Fullerton & Company, Inc.
2701 NW Vaughn St Ste 340, Portland, OR 97210
TEC Equipment Inc
PO Box 11272, Portland, OR 97211
600 SW Market Street, Portland, OR 97201
Bolliger & Sons, Inc.
511 SE Belmont, Portland, OR 97214
Timmco Insurance Inc
1615 NE Broadway, Portland, OR 97232
Risk Point Insurance Advisors
700 NE Multnomah St Ste 450, Portland, OR 97232
707 SW Washington St Ste 625, Portland, OR 97205
J.B. Nibley Insurance, Inc.
1800 SW First Ave #10, Portland, OR 97201
Ed Malone Agency
7822 SW Capitol Hwy #1, Portland, OR 97219
Joseph H. Herrle & Associates Insurance, Inc.
1800 SW First Ave #280, Portland, OR 97201
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