How Much Does Car Insurance Cost in Portland?
Portland is recognized for its expensive premiums, as its mean premium surpasses the state average by 21%. Therefore understanding premium costs while insuring a vehicle in Portland is crucial. We've analyzed how auto insurance rates in Portland compare to premiums nationwide.
INSURANCE PRICES: PORTLAND VS. US/STATE AVERAGES
|City Average||State Average||National Average|
Portland Auto Insurance by Violation or Accident History
Having a flawless driving history is crutial to keep the expense of car insurance rates minimal. Drivers with a DUI in Portland need to spend nearly double the average for the city to insure their vehicle. Reckless driving will also bump your premiums up, with average rates of $2,980, which are 78% higher than the city average! If you are found at-fault in an accident in Portland, you can expect your annual car insurance premiums to grow by 58%.
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|
Portland Car Insurance Premiums by Age Bracket
The greatest reduction in premiums between any age group is from the teenage age range to the 20s, as drivers in Portland start saving an average of 69% annually. When drivers turn 60, they will experience an insurance rate increase related to their age for the first time. Car insurance premiums are highest for teenage drivers, with rates that average $7,202 per year. Looking across all age groups, drivers in their 50s tend to have the smallest payments. Their rates usually average $1,480. Those in their 60s ($1,509) have premiums that aren't much higher.
PORTLAND CAR INSURANCE COSTS BY AGE
Portland Car Insurance by Credit Score
Improving your credit can save you a good amount of money. Those in the bottom credit tier (300-579) pay an average of 2.3x more on premiums than those in the top credit tier (800-850). In terms of percent change, the most significant benefit of better credit comes from boosting from Fair (580-669) to Good (670-739), by which drivers can save an average of 20% per year.
PORTLAND AUTO INSURANCE COSTS BY CREDIT TIER
Portland Car Insurance by Gender and Marital Status
Both marital status and gender can have an effect on your car insurance premiums in Portland. $65 is the amount by which men's and women's car insurance premiums differ. Being married, as opposed to single, can save you an average of $58 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 RATES BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average 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
Find Local Portland Agents
Brown & Brown NW
220 N W 2nd Ave #800 Portland, OR 97209
Hockley/R.W. Neighbor & Company
2130 SW Jefferson St #315 Portland, OR 97201
Lloyd Purdy & Co
2015 Lloyd Center Portland, OR 97212
621 SW Broadway Ste 350 Portland, OR 97205
707 SW Washington St Ste 625 Portland, OR 97205
West Coast Bonding, LLC
2601 SW Patton Court Portland, OR 97201
Joseph H. Herrle & Associates Insurance, Inc.
1800 SW First Ave #280 Portland, OR 97201
700 NE Multnomah St, #1300 Portland, OR 97232
Alfred J. Davis Company
1901 NW 23rd Portland, OR 97210
888 SW 5th Ave Ste 1170 Portland, OR 97204
LaPorte & Associates, Inc.
5515 SE Milwaukie Ave Portland, OR 97202
Fullerton & Company, Inc.
2701 NW Vaughn St Ste 340 Portland, OR 97210
TEC Equipment Inc
PO Box 11272 Portland, OR 97211
Willis-Clay Ins Inc
202 SE 181st Avenue Portland, OR 97233
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
Bolliger & Sons, Inc.
511 SE Belmont Portland, OR 97214
J.B. Nibley Insurance, Inc.
1800 SW First Ave #10 Portland, OR 97201
Risk Point Insurance Advisors
700 NE Multnomah St Ste 450 Portland, OR 97232
888 Sw 5Th Ave Ste 1170 Portland, OR 97204
Anchor Insurance & Surety Inc
1201 SW 12th Ave, Ste 500 Portland, OR 97205
Timmco Insurance Inc
1615 NE Broadway Portland, OR 97232
600 SW Market Street Portland, OR 97201
Durham & Bates Agencies Inc
720 SW Washington St, Ste 250 Portland, OR 97205
Hecht & Hecht Life & Health Ins Agy, Inc
425 NE Hancock St Portland, OR 97212
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