What drives up car insurance rates in Portland?
Car Insurance in Portland
Oregon has premiums that are fairly equivalent to the national average, as they are within $50 of one another. Going over some ways to save on Portland car insurance can save you some hard-earned money.
- City Average: $1,670
- State Average: $1,377
- National Average: $1,427
Portland Car Insurance by Credit Rating
The discrepancy between average car insurance premiums in Portland for individuals with Exceptional credit (800-850) and Very Poor credit (300-579) is $1,830/year. Drivers will see the greatest percent reduction in premiums when they improve their credit from Fair (580-669) to Good (670-739). That change can save them 20% per year.
- Very Poor: $3,282
- Fair: $2,688
- Good: $2,162
- Very Good: $1,762
- Exceptional: $1,452
Portland Car Insurance by Age
In Portland, drivers see the greatest fall in premiums when they hit their 20s, as they save an average of 69% from moving out of the teenage age bracket. Insurance rates for drivers continue to decrease through their 50s, but they can expect to pay more when they turn 60. With rates of $7,202 on average, teenage drivers pay the most in car insurance premiums. Everyone loves to save money, and luckily for drivers in their 50s, they do just that! They have the smallest insurance rates among any age group, with rates of $1,480. Those in their 60s ($1,509) have premiums that aren't much higher.
- 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 Accident or Violation History
By avoiding driving mishaps that can balloon the cost of car insurance premiums, you can not only save yourself money, but become a safer driver. A DUI will increase your car insurance premiums more than other driving violations. On average, a DUI in Portland will cost you 89% more in car insurance premiums versus the city average ($1,670). Reckless driving will push your premiums up as well, with average rates of $2,980, which are 78% higher than the city average! Even among safe drivers, accidents happen, so be prepared and learn how your rates can change following one. If you are found at-fault in an accident in Portland, you can expect your yearly car insurance payments to increase by $968.
- DUI: $3,151
- Reckless Driving: $2,980
- At-fault Accident (damages less than $1000): $2,638
- At-fault Accident (damages greater than $2000): $2,638
- Speeding Ticket (16-20 mph over speed limit): $2,093
Portland Car Insurance by Gender and Marital Status
Car insurance premiums in Portland can be influenced by gender and marital status. People who are married save close to $60 per year compared to those who are single. Rates for those who are widowed or divorced are a hair more expensive than rates for those who are single. Females have premiums that are nearly 4% more pricey than those for males.
- Female: $1,735
- Male: $1,670
- Single: $1,670
- Married: $1,612
- Divorced: $1,675
- Widowed: $1,676
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
Cundari Insurance Agency
8309 SW 22nd Ave Portland, OR 97219
Hecht & Hecht Life & Health Ins Agy, Inc
425 NE Hancock St Portland, OR 97212
Risk Point Insurance Advisors
700 NE Multnomah St Ste 450 Portland, OR 97232
Anchor Insurance & Surety Inc
1201 SW 12th Ave, Ste 500 Portland, OR 97205
Bolliger & Sons, Inc.
511 SE Belmont Portland, OR 97214
Timmco Insurance Inc
1615 NE Broadway Portland, OR 97232
Lloyd Purdy & Co
2015 Lloyd Center Portland, OR 97212
700 NE Multnomah St, #1300 Portland, OR 97232
Joseph H. Herrle & Associates Insurance, Inc.
1800 SW First Ave #280 Portland, OR 97201
Alfred J. Davis Company
1901 NW 23rd Portland, OR 97210
Ed Malone Agency
7822 SW Capitol Hwy #1 Portland, OR 97219
J.B. Nibley Insurance, Inc.
1800 SW First Ave #10 Portland, OR 97201
600 SW Market Street Portland, OR 97201
888 SW 5th Ave Ste 1170 Portland, OR 97204
West Coast Bonding, LLC
2601 SW Patton Court Portland, OR 97201
Hockley/R.W. Neighbor & Company
2130 SW Jefferson St #315 Portland, OR 97201
707 SW Washington St Ste 625 Portland, OR 97205
888 Sw 5Th Ave Ste 1170 Portland, OR 97204
621 SW Broadway Ste 350 Portland, OR 97205
Fullerton & Company, Inc.
2701 NW Vaughn St Ste 340 Portland, OR 97210
Brown & Brown NW
220 N W 2nd Ave #800 Portland, OR 97209
Willis-Clay Ins Inc
202 SE 181st Avenue Portland, OR 97233
TEC Equipment Inc
PO Box 11272 Portland, OR 97211
Aon Risk Insurance Services West, Inc.
851 SW 6th Ave #385 Portland, OR 97204
LaPorte & Associates, Inc.
5515 SE Milwaukie Ave Portland, OR 97202
Durham & Bates Agencies Inc
720 SW Washington St, Ste 250 Portland, OR 97205
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Portland Car Insurance
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