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.
INSURANCE PRICES: PORTLAND VS. US/STATE AVERAGES
|City Average||State Average||National 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.
PORTLAND AUTO INSURANCE COSTS BY CREDIT TIER
|Credit Quality||Average Rate|
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.
PORTLAND CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average 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.
AVERAGE PORTLAND INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|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.
PORTLAND AUTO INSURANCE RATES BY DRIVER AGE
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
621 SW Broadway Ste 350 Portland, OR 97205
Brown & Brown NW
220 N W 2nd Ave #800 Portland, OR 97209
Durham & Bates Agencies Inc
720 SW Washington St, Ste 250 Portland, OR 97205
Bolliger & Sons, Inc.
511 SE Belmont Portland, OR 97214
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
Fullerton & Company, Inc.
2701 NW Vaughn St Ste 340 Portland, OR 97210
Joseph H. Herrle & Associates Insurance, Inc.
1800 SW First Ave #280 Portland, OR 97201
Anchor Insurance & Surety Inc
1201 SW 12th Ave, Ste 500 Portland, OR 97205
Willis-Clay Ins Inc
202 SE 181st Avenue Portland, OR 97233
888 Sw 5Th Ave Ste 1170 Portland, OR 97204
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
Hecht & Hecht Life & Health Ins Agy, Inc
425 NE Hancock St Portland, OR 97212
600 SW Market Street Portland, OR 97201
TEC Equipment Inc
PO Box 11272 Portland, OR 97211
888 SW 5th Ave Ste 1170 Portland, OR 97204
Lloyd Purdy & Co
2015 Lloyd Center Portland, OR 97212
707 SW Washington St Ste 625 Portland, OR 97205
West Coast Bonding, LLC
2601 SW Patton Court Portland, OR 97201
Alfred J. Davis Company
1901 NW 23rd Portland, OR 97210
Cundari Insurance Agency
8309 SW 22nd Ave Portland, OR 97219
LaPorte & Associates, Inc.
5515 SE Milwaukie Ave Portland, OR 97202
Timmco Insurance Inc
1615 NE Broadway Portland, OR 97232
Hockley/R.W. Neighbor & Company
2130 SW Jefferson St #315 Portland, OR 97201
700 NE Multnomah St, #1300 Portland, OR 97232
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