What drives up car insurance rates in Portland?

Car Insurance in Portland

Oregon has premiums that are fairly equivalent to the national average, as they are within $50 of one another. Going over some ways to save on Portland car insurance can save you some hard-earned money.

  • City Average: $1,670
  • State Average: $1,377
  • National Average: $1,427

Portland Car Insurance by Credit Rating

The discrepancy between average car insurance premiums in Portland for individuals with Exceptional credit (800-850) and Very Poor credit (300-579) is $1,830/year. Drivers will see the greatest percent reduction in premiums when they improve their credit from Fair (580-669) to Good (670-739). That change can save them 20% per year.

  • Very Poor: $3,282
  • Fair: $2,688
  • Good: $2,162
  • Very Good: $1,762
  • Exceptional: $1,452

Portland Car Insurance by Age

In Portland, drivers see the greatest fall in premiums when they hit their 20s, as they save an average of 69% from moving out of the teenage age bracket. Insurance rates for drivers continue to decrease through their 50s, but they can expect to pay more when they turn 60. With rates of $7,202 on average, teenage drivers pay the most in car insurance premiums. Everyone loves to save money, and luckily for drivers in their 50s, they do just that! They have the smallest insurance rates among any age group, with rates of $1,480. Those in their 60s ($1,509) have premiums that aren't much higher.

  • Teenagers: $7,202
  • 20s: $2,248
  • 30s: $1,652
  • 40s: $1,570
  • 50s: $1,480
  • 60s: $1,509
  • 70s: $1,879

Portland Car Insurance by Accident or Violation History

By avoiding driving mishaps that can balloon the cost of car insurance premiums, you can not only save yourself money, but become a safer driver. A DUI will increase your car insurance premiums more than other driving violations. On average, a DUI in Portland will cost you 89% more in car insurance premiums versus the city average ($1,670). Reckless driving will push your premiums up as well, with average rates of $2,980, which are 78% higher than the city average! Even among safe drivers, accidents happen, so be prepared and learn how your rates can change following one. If you are found at-fault in an accident in Portland, you can expect your yearly car insurance payments to increase by $968.

  • DUI: $3,151
  • Reckless Driving: $2,980
  • At-fault Accident (damages less than $1000): $2,638
  • At-fault Accident (damages greater than $2000): $2,638
  • Speeding Ticket (16-20 mph over speed limit): $2,093

Portland Car Insurance by Gender and Marital Status

Car insurance premiums in Portland can be influenced by gender and marital status. People who are married save close to $60 per year compared to those who are single. Rates for those who are widowed or divorced are a hair more expensive than rates for those who are single. Females have premiums that are nearly 4% more pricey than those for males.

  • Female: $1,735
  • Male: $1,670
  • Single: $1,670
  • Married: $1,612
  • Divorced: $1,675
  • Widowed: $1,676

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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.

164

Rainy Days a Year

44"

Avg. Annual Rainfall

3"

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

Cundari Insurance Agency

8309 SW 22nd Ave Portland, OR 97219

Hecht & Hecht Life & Health Ins Agy, Inc

425 NE Hancock St Portland, OR 97212

Risk Point Insurance Advisors

700 NE Multnomah St Ste 450 Portland, OR 97232

Anchor Insurance & Surety Inc

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

Bolliger & Sons, Inc.

511 SE Belmont Portland, OR 97214

Timmco Insurance Inc

1615 NE Broadway Portland, OR 97232

Lloyd Purdy & Co

2015 Lloyd Center Portland, OR 97212

USI Northwest

700 NE Multnomah St, #1300 Portland, OR 97232

Joseph H. Herrle & Associates Insurance, Inc.

1800 SW First Ave #280 Portland, OR 97201

Alfred J. Davis Company

1901 NW 23rd Portland, OR 97210

Ed Malone Agency

7822 SW Capitol Hwy #1 Portland, OR 97219

J.B. Nibley Insurance, Inc.

1800 SW First Ave #10 Portland, OR 97201

AAA Oregon/Idaho

600 SW Market Street Portland, OR 97201

Propel Insurance

888 SW 5th Ave Ste 1170 Portland, OR 97204

West Coast Bonding, LLC

2601 SW Patton Court Portland, OR 97201

Hockley/R.W. Neighbor & Company

2130 SW Jefferson St #315 Portland, OR 97201

Keelson Partners

707 SW Washington St Ste 625 Portland, OR 97205

Propel Insurance

888 Sw 5Th Ave Ste 1170 Portland, OR 97204

Northrup Corporation

621 SW Broadway Ste 350 Portland, OR 97205

Fullerton & Company, Inc.

2701 NW Vaughn St Ste 340 Portland, OR 97210

Brown & Brown NW

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

Willis-Clay Ins Inc

202 SE 181st Avenue Portland, OR 97233

TEC Equipment Inc

PO Box 11272 Portland, OR 97211

Aon Risk Insurance Services West, Inc.

851 SW 6th Ave #385 Portland, OR 97204

LaPorte & Associates, Inc.

5515 SE Milwaukie Ave Portland, OR 97202

Durham & Bates Agencies Inc

720 SW Washington St, Ste 250 Portland, OR 97205

See All

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$1,466

The average Portlander's annual cost of coverage

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Portland Car Insurance

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