How Much Does Auto Insurance Cost in Portland?

Whether you are driving out to the coast or simply commuting to work, making sure that your vehicle has the correct insurance coverage is vital. On average, Oregon premiums fall below the national average by $205. However, premiums run higher in the city, so cutting costs while insuring a vehicle in Portland is important. Still, some basic minimums are required--such as property damage liability and bodily injury liability--that can keep you protected in case you are found at fault in an accident.

With steeper rates in the city, it's important to search out the best price for coverage. Luckily, there are definitely some ways to cut costs on your insurance premiums. We've put together some information that can help you find cheap car insurance in Portland.

City AverageState AverageNational Average

Portland Auto Insurance by Credit Rating

Your credit history can have a big impact on what you pay for your policy. You can count on your car insurance company digging into your credit report when they begin putting your policy together. It has been shown that those with poor credit histories tend to be more likely to file claims. Therefore, if your credit history is less than perfect, you can expect to pay more for your coverage. Just how much can credit affect your ability to find cheap car insurance?

For those with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums nearly triple. Drivers can save an average of $1,403 per year when they boost their credit tier from Very Poor (300-579) to Fair (580-669). As it stands, working to repair your credit can be one of the best methods of finding cheaper car insurance.

Credit QualityAverage Rate
Very Poor$3,474
Very Good$1,578

Portland Auto Insurance by Marital Status and Gender

Pricing for car insurance premiums in Portland is determined by a lot of things, including gender and marital status. Premiums are cheaper for men than for women. Men generally pay $96 less than women every year to keep a vehicle insured. Being single, as opposed to married, can cost you close to 5% more per year for an insurance policy. Rates for those who are widowed or divorced are a hair more expensive than rates for those who are single.

Marital Status/GenderAverage Rate

Portland Auto Insurance by Violation or Accident History

Having a spotless driving history is crucial if you want to keep the expense of car insurance rates low. Your insurance company will most certainly dive into your driving record when putting your policy together. If you have been involved in an accident that caused property damage or injury, expect the cost of your coverage to climb. The same goes for infractions like moving violations and DUIs as well. By just how much will car insurance companies increase the cost of your insurance premiums?

Reckless driving will increase your car insurance premiums more than other driving violations. Drivers with a DUI in Portland need to spend $767 more than the city average to insure their vehicle. Reckless driving will push your rates up as well, with average rates of $2,638! Insurance rates are impacted by at-fault accident history, and more specifically, by how much damage resulted from the accidents. For those in Portland with at-fault accidents in which damages exceeded $2,000, rates are an average of 10% more than at-fault accidents with damages less than $1,000. If cheap car insurance is your goal, aim to keep your driving record as clean as possible.

Violation/IncidentAverage Rate
Reckless Driving$2,638
At-fault Accident (damages less than $1,000)$2,382
At-fault Accident (damages greater than $2,000)$2,624
Speeding Ticket (16-20 mph over speed limit)$2,129

Portland Car Insurance by Driver Age

Age can play a big part in determining the costs of your car insurance policy. There's not really anything you can do about how old you are, but knowing how your insurance company sees your age group can be helpful. Which age group has the hardest time finding affordable car insurance?

Teenage drivers are the ones who pay the most in car insurance premiums, with rates of $6,629 on average. When drivers hit their 20s in Portland, therefore moving out of the teenage age bracket, they can save 65%. You won't see a bigger gap between any other age group. In Portland, turning 60 means an increase in premiums. Up until then, transitioning from one age group to the next means decreasing prices. Drivers in their 50s save money on premiums, as they have the lowest rates among all age groups, paying only $1,527 annually. Those in their 60s ($1,565) aren’t paying much more.

AgeAverage Rate

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

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

Joseph H. Herrle & Associates Insurance, Inc.

1800 SW First Ave #280, Portland, OR 97201

West Coast Bonding, LLC

2601 SW Patton Court, Portland, OR 97201

TEC Equipment Inc

PO Box 11272, Portland, OR 97211

Bolliger & Sons, Inc.

511 SE Belmont, Portland, OR 97214

Willis-Clay Ins Inc

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

USI Northwest

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

Hecht & Hecht Life & Health Ins Agy, Inc

425 NE Hancock St, Portland, OR 97212

Fullerton & Company, Inc.

2701 NW Vaughn St Ste 340, Portland, OR 97210

Keelson Partners

707 SW Washington St Ste 625, Portland, OR 97205

LaPorte & Associates, Inc.

5515 SE Milwaukie Ave, Portland, OR 97202

Anchor Insurance & Surety Inc

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

Alfred J. Davis Company

1901 NW 23rd, Portland, OR 97210

Northrup Corporation

621 SW Broadway Ste 350, Portland, OR 97205

Timmco Insurance Inc

1615 NE Broadway, Portland, OR 97232

Hockley/R.W. Neighbor & Company

2130 SW Jefferson St #315, Portland, OR 97201

Aon Risk Insurance Services West, Inc.

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

Ed Malone Agency

7822 SW Capitol Hwy #1, Portland, OR 97219

Cundari Insurance Agency

8309 SW 22nd Ave, Portland, OR 97219

AAA Oregon/Idaho

600 SW Market Street, Portland, OR 97201

Risk Point Insurance Advisors

700 NE Multnomah St Ste 450, Portland, OR 97232

Propel Insurance

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

Durham & Bates Agencies Inc

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

Lloyd Purdy & Co

2015 Lloyd Center, Portland, OR 97212

Brown & Brown NW

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

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

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Recent Questions:

Portland Car Insurance

I'm listed as the primary driver instead of my wife, but I've never driven or had license in 71 years. Should I be charged as a driver on the policy?

Hello, Your wife should most definitely be listed as the primary insured on the policy since she is the primary driver. Since you do not drive, you can be excluded.

I need car insurance for a bad driving record in OR

There's a couple of things going on here. First, it is going to be hard to find cheap car insurance if you have a lot of accidents on your record.

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.

Does Oregon offer insurance on rental cars?

There are a couple of things you can do. You can get a non owners plan that will give you liability and make your legal to drive.