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 AverageState AverageNational Average
$1,670$1,377$1,427


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


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/GenderAverage Rate
Female$1,735
Male$1,670
Single$1,670
Married$1,612
Divorced$1,675
Widowed$1,676


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
CreditAverage Rate
Very Poor$3,282
Fair$2,688
Good$2,162
Very Good$1,762
Exceptional$1,452


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
Incident/ViolationMean Rate
DUI/DWI$3,151
Reckless Driving$2,980
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.

164

Rainy Days a Year

44"

Avg. Annual Rainfall

3"

Avg. Annual Snowfall

Be Prepared For

Driving in the Rose City

2
Major Highways
I-5 I-84 I-205
2
Popular Day Trips
Willamette Valley Mt. Hood Bagby Hot Springs

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

Northrup Corporation

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

Propel Insurance

888 SW 5th Ave Ste 1170 Portland, OR 97204

Keelson Partners

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

Propel Insurance

888 Sw 5Th Ave Ste 1170 Portland, OR 97204

Joseph H. Herrle & Associates Insurance, Inc.

1800 SW First Ave #280 Portland, OR 97201

AAA Oregon/Idaho

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

USI Northwest

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

See All

2

$1,466

The average Portlander's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

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235

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

See How Much You Can Save in Portland

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Portland Car Insurance

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