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


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
Violation/IncidentMean Rate
DUI$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


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


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


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


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

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

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

Northrup Corporation

621 SW Broadway Ste 350 Portland, OR 97205

Keelson Partners

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

USI Northwest

700 NE Multnomah St, #1300 Portland, OR 97232

Alfred J. Davis Company

1901 NW 23rd Portland, OR 97210

Propel Insurance

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

Propel Insurance

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

AAA Oregon/Idaho

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

See All

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$1,466

The average Portlander's annual cost of coverage

40%

Our customer's average savings after comparing insurance

235

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

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Portland Car Insurance

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