How Much Does Auto Insurance Cost in Portland?


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. Who doesn't like to save money? Check out some ways to save on car insurance in Portland.


INSURANCE PRICES: PORTLAND VS. US/STATE AVERAGES
City AverageState AverageNational Average
$1,715$1,364$1,569


Portland Auto Insurance by Credit Rating


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).


PORTLAND AUTO INSURANCE COSTS BY CREDIT TIER
Credit QualityAverage Rate
Very Poor$3,474
Fair$2,071
Good$1,715
Very Good$1,578
Exceptional$1,447


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 for insurance. Being single, as opposed to married, can cost you close to 5% more per year on car insurance. Rates for those who are widowed or divorced are a hair more expensive than rates for those who are single.


PORTLAND CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,811
Male$1,715
Single$1,715
Married$1,633
Divorced$1,721
Widowed$1,720


Portland Auto Insurance by Violation or Accident History


Having a spotless driving history is crutial if you want to keep the expense of car insurance rates low. 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.


AVERAGE PORTLAND INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Rate
DUI$2,482
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

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. Teenage drivers are the ones who pay the most in car insurance premiums, with rates of $6,629 on average. 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.


PORTLAND AUTO INSURANCE RATES BY DRIVER AGE
AgeAverage Rate
Teenagers$6,629
20s$2,312
30s$1,698
40s$1,620
50s$1,527
60s$1,565
70s$1,809


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

West Coast Bonding, LLC

2601 SW Patton Court Portland, OR 97201

TEC Equipment Inc

PO Box 11272 Portland, OR 97211

Lloyd Purdy & Co

2015 Lloyd Center Portland, OR 97212

Risk Point Insurance Advisors

700 NE Multnomah St Ste 450 Portland, OR 97232

Cundari Insurance Agency

8309 SW 22nd Ave Portland, OR 97219

Hockley/R.W. Neighbor & Company

2130 SW Jefferson St #315 Portland, OR 97201

Ed Malone Agency

7822 SW Capitol Hwy #1 Portland, OR 97219

Hecht & Hecht Life & Health Ins Agy, Inc

425 NE Hancock St Portland, OR 97212

Durham & Bates Agencies Inc

720 SW Washington St, Ste 250 Portland, OR 97205

Fullerton & Company, Inc.

2701 NW Vaughn St Ste 340 Portland, OR 97210

J.B. Nibley Insurance, Inc.

1800 SW First Ave #10 Portland, OR 97201

USI Northwest

700 NE Multnomah St, #1300 Portland, OR 97232

AAA Oregon/Idaho

600 SW Market Street Portland, OR 97201

Timmco Insurance Inc

1615 NE Broadway Portland, OR 97232

Anchor Insurance & Surety Inc

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

Keelson Partners

707 SW Washington St Ste 625 Portland, OR 97205

Alfred J. Davis Company

1901 NW 23rd Portland, OR 97210

Brown & Brown NW

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

Propel Insurance

888 SW 5th Ave Ste 1170 Portland, OR 97204

Bolliger & Sons, Inc.

511 SE Belmont Portland, OR 97214

Aon Risk Insurance Services West, Inc.

851 SW 6th Ave #385 Portland, OR 97204

Willis-Clay Ins Inc

202 SE 181st Avenue Portland, OR 97233

Joseph H. Herrle & Associates Insurance, Inc.

1800 SW First Ave #280 Portland, OR 97201

Propel Insurance

888 Sw 5Th Ave Ste 1170 Portland, OR 97204

Northrup Corporation

621 SW Broadway Ste 350 Portland, OR 97205

LaPorte & Associates, Inc.

5515 SE Milwaukie Ave Portland, OR 97202

See All

2

$1,466

The average Portlander's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

235

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

See How Much You Can Save in Portland

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