What's the Cost of Car Insurance in Portland?
With premiums within $50 of the national average, Oregon has rates that are fairly similar to the nation. Review our ways to save on Portland car insurance and save money.
CAR INSURANCE PRICES: PORTLAND VS. STATE/US AVERAGES
|City Average||State Average||National Average|
Portland Auto Insurance Premiums by Age Bracket
The greatest dip in premiums between any age group is from the teenage age range to the 20s, as drivers in Portland start paying $4,954 less in premiums. In Portland, turning 60 means a rise in rates. Up until then, progressing between age groups means decreasing prices. When you look across all age groups, drivers in their 50s tend to have the lowest insurance payments. Their rates normally average $1,480/year. Those in their 60s ($1,509) aren’t paying much more. Teenage drivers are the ones who pay the most in car insurance premiums, with average rates of $7,202.
PORTLAND CAR INSURANCE PRICES BY DRIVER AGE
Portland Auto Insurance by Marital Status and Gender
There are several factors, including gender and marital status, that play a role in car insurance rates in Portland. Being single can cost you close to $60 more per year compared to being married. Rates for those who are divorced or widowed are a hair more expensive than rates for those who are single. 4% is the amount by which men's and women's car insurance premiums differ.
PORTLAND CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Portland Car Insurance by Credit Rating
Average car insurance premiums in Portland for those with Very Poor credit (300-579) are 2.3x higher than for those with Exceptional credit (800-850). Drivers can save nearly $526 per year when they upgrade their credit tier from Fair (580-669) to Good (670-739).
PORTLAND CAR INSURANCE COSTS BY CREDIT LEVEL
Portland Auto Insurance by Accident or Violation History
Accidents and violations can cost you in terms of car insurance rates. If you are found at-fault in an accident in Portland, expect your annual car insurance premiums to increase by $968. $1,481 is the additional cost per year for drivers with a DUI in Portland, compared to the city average of $1,670. Reckless driving will also drive your rates up, with typical rates of $2,980, which are 78% higher than the city average!
AVERAGE PORTLAND INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|At-fault Accident (damages less than $1,000)||$2,638|
|At-fault Accident (damages greater than $2,000)||$2,638|
|Speeding Ticket (16-20 mph over speed limit)||$2,093|
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 & 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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Portland Agents
LaPorte & Associates, Inc.
5515 SE Milwaukie Ave Portland, OR 97202
Brown & Brown NW
220 N W 2nd Ave #800 Portland, OR 97209
Aon Risk Insurance Services West, Inc.
851 SW 6th Ave #385 Portland, OR 97204
Hockley/R.W. Neighbor & Company
2130 SW Jefferson St #315 Portland, OR 97201
Lloyd Purdy & Co
2015 Lloyd Center Portland, OR 97212
J.B. Nibley Insurance, Inc.
1800 SW First Ave #10 Portland, OR 97201
621 SW Broadway Ste 350 Portland, OR 97205
West Coast Bonding, LLC
2601 SW Patton Court Portland, OR 97201
Alfred J. Davis Company
1901 NW 23rd Portland, OR 97210
888 SW 5th Ave Ste 1170 Portland, OR 97204
707 SW Washington St Ste 625 Portland, OR 97205
Anchor Insurance & Surety Inc
1201 SW 12th Ave, Ste 500 Portland, OR 97205
Fullerton & Company, Inc.
2701 NW Vaughn St Ste 340 Portland, OR 97210
Durham & Bates Agencies Inc
720 SW Washington St, Ste 250 Portland, OR 97205
Ed Malone Agency
7822 SW Capitol Hwy #1 Portland, OR 97219
888 Sw 5Th Ave Ste 1170 Portland, OR 97204
Joseph H. Herrle & Associates Insurance, Inc.
1800 SW First Ave #280 Portland, OR 97201
600 SW Market Street Portland, OR 97201
Cundari Insurance Agency
8309 SW 22nd Ave Portland, OR 97219
Bolliger & Sons, Inc.
511 SE Belmont Portland, OR 97214
Hecht & Hecht Life & Health Ins Agy, Inc
425 NE Hancock St Portland, OR 97212
TEC Equipment Inc
PO Box 11272 Portland, OR 97211
700 NE Multnomah St, #1300 Portland, OR 97232
Willis-Clay Ins Inc
202 SE 181st Avenue Portland, OR 97233
Timmco Insurance Inc
1615 NE Broadway Portland, OR 97232
Risk Point Insurance Advisors
700 NE Multnomah St Ste 450 Portland, OR 97232
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