How to find the cheapest car insurance quotes in Portland
In Portland, the average auto insurance policy costs about $130 per month for minimum coverage liability insurance, and about $176 per month for full coverage insurance. Portland drivers pay 5% less than the Oregon average.
Every month, thousands of savvy car insurance shoppers in Portland, Oregon use the trusted broker Jerry Insurance Agency to seamlessly compare prices and procure a policy. To prove it, here are some cheapest car insurance quotes Jerry found for our Portland customers.
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Kemper | $350 | Dustin, 55, Portland, OR | Toyota Camry Ce | State Minimum | Yes |
| Gainsco | $492 | Bill, 27, Portland, OR | Subaru Outback 3.6R Limited | State Minimum | No |
| Safeco | $157 | Jeffrey, 32, Portland, OR | Jeep Wrangler Rubicon | 50/100 | Yes |
| Dairyland | $405 | Barbara, 42, Portland, OR | Toyota Rav4 Le | 50/100 | Yes |
| Safeco | $159 | Delia, 56, Portland, OR | Dodge Caliber Sxt | State Minimum | Yes |
Best car insurance companies in Portland
Here’s the deal: there’s no one-size-fits-all “cheapest” car insurance company out there. This is precisely why it’s crucial for Portland drivers to analyze car insurance quotes from multiple companies. This ensures you pay the best price for the coverage you need.
If you’re looking for the most budget-friendly car insurance company in Portland, you’re in luck! Jerry carried out the most extensive survey in the nation on insurance shopping in this part of the Beaver State.
In Portland, State Farm is often recognized for its competitive rates across a variety of driver profiles but customers we surveyed rated it just 4.4/5 for policy cost. Customers rated Infinity, Kemper, and AAA more highly for price—though overall ratings for Nationwide and Clearcover were also excellent at 5/5.
Let’s check out what real Portland customers had to say about these companies.
| Insurance company | Overall rating | Price | ||
|---|---|---|---|---|
| State Farm | 4.8 | 4.4 | N/A | 4.8 |
| Bristol West | 4.3 | 3.9 | N/A | 4 |
| Liberty Mutual | 4.2 | 3.3 | N/A | 4 |
| Progressive | 4 | 3.5 | 3.6 | 4.1 |
| Geico | 3.8 | 3.3 | 3.4 | 3.8 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Portland
Under state law, all Portland drivers must carry liability coverage which includes bodily injury and property damage liability insurance. Depending on your circumstances, full coverage might be preferred to cover damage to your own vehicle.
All Oregonians must also carry uninsured motorist bodily injury coverage as well as personal injury protection (PIP). Auto insurance companies will offer this coverage to you automatically.
Cheap minimum liability insurance quotes in Portland
If you live in Portland and you drive, you are obligated to purchase at least the state minimum insurance requirements for liability coverage before getting behind the wheel.
In this state, the minimum required liability coverage levels are:
- $25,000 per person/$50,000 per accident in bodily injury liability coverage
- $20,000 per accident in property damage liability
- $15,000 per person in personal injury protection
- $25,000 per person/$50,000 per accident in uninsured motorist coverage
These coverages can be summed up as 25/50/20.
Do you need more than minimum coverage in Portland?
In Portland, it is common for drivers to seek higher liability coverage than what is mandated by the state’s minimum requirement of 30/60/25.
If you cause an at-fault accident, paying for the costs of someone else’s medical expenses and car repairs could easily exceed the bare minimum limits. In other words, you’d be liable for anything above your policy’s coverage limits—and this could amount to thousands of dollars if the other party’s injuries were significant.
Cheap full coverage car insurance quotes in Portland
You can shield yourself from unexpected expenses by purchasing full coverage car insurance, which will cover the costs to repair or replace your own vehicle after an accident.
Full coverage includes comprehensive and collision coverage.
- Collision coverage covers the cost of collision-related damage, like fixing or replacing a car.
- Comprehensive coverage pays for non-collision incidents like if your vehicle is vandalized or stolen, according to the state consumer’s guide to auto insurance.
If you have financed your car, your lender will mandate collision and comprehensive coverage to protect their investment.
Jerry helps Portland drivers find full coverage policies from the best car insurance companies at affordable prices.
|
Liability Limits
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
|---|---|---|---|---|---|
| State Minimum | Yes | Kemper | $350 | Dustin, 55, Portland, OR | Toyota Camry Ce |
| State Minimum | No | Gainsco | $492 | Bill, 27, Portland, OR | Subaru Outback 3.6R Limited |
| 50/100 | Yes | Safeco | $157 | Jeffrey, 32, Portland, OR | Jeep Wrangler Rubicon |
| 50/100 | Yes | Dairyland | $405 | Barbara, 42, Portland, OR | Toyota Rav4 Le |
| State Minimum | Yes | Safeco | $159 | Delia, 56, Portland, OR | Dodge Caliber Sxt |
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry, a top insurance agency, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Cheapest uninsured motorist coverage quotes in Portland
Portland drivers must carry uninsured motorist bodily injury protection with limits that match the state liability limits—$25,000 per person and $50,000 per accident.
Cheapest personal injury protection (PIP) quotes in Portland
Drivers in Portland must also carry at least $15,000 of personal injury protection (PIP). That’s the limit per person involved in the accident, and PIP can cover medical expenses, lost wages, or even funeral expenses.
One more note: Portland is located in Oregon, which is unique among at-fault states. You can sue another driver for damages (including pain and suffering) if they were at fault in the accident without any threshold that must be met first.
Average cost of car insurance in Portland
After analyzing scores of insurance providers in Portland, we have discovered that the average price for minimum liability coverage amounts to be $130 per month or $1,558 per year. Additionally, residents of Portland can expect to pay an average of $176 per month or $2,115 per year for full coverage insurance.
While it’s useful to understand average insurance rates to estimate your personal insurance costs, it’s important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.
Average cost of car insurance in Portland by zip code
The cost of car insurance in Portland can greatly differ depending on your specific zip code. Each individual zip code within Portland has its own unique driving risks which directly factor into your insurance quotes. Living in a neighborhood notorious for higher rates of car thefts and accidents increases its risk profile, thereby increasing premiums.
In short, the degree of risk tied to your zip code is a key determinant of whether your coverage will come with a higher or lower price tag.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
| 97201 | $128 | $198 |
| 97202 | $111 | $142 |
| 97203 | $101 | $167 |
| 97206 | $119 | $172 |
| 97209 | $92 | $137 |
| 97211 | $129 | $146 |
| 97213 | $116 | $168 |
| 97214 | $94 | $129 |
| 97216 | $101 | $157 |
| 97217 | $98 | $133 |
| 97218 | $98 | $146 |
| 97219 | $107 | $202 |
| 97220 | $109 | $192 |
| 97223 | $96 | $126 |
| 97225 | $77 | $200 |
| 97229 | $109 | $183 |
| 97230 | $145 | $211 |
| 97232 | $78 | $176 |
| 97236 | $169 | $268 |
| 97266 | $106 | $192 |
Car insurance quotes in Portland by rating factors
Insurance companies in Portland use many rating factors when deciding your auto insurance premium:
- Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
- Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
- Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.
- Your mileage: High annual mileage can result in higher insurance costs.
- The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
- Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.
Cheap car insurance quotes in Portland after driving violations
Your driving history is one of the main factors that impact your insurance rate. You will be quoted higher if insurance carriers observe a history of violations or risky driving. Common driving violations that can raise your rates include:
- Speeding
- DUIs
- At fault accidents
- Reckless driving
Cheapest car insurance in Portland after speeding ticket
Speeding comes in different sizes. In Portland, repercussions are different for speeding 1–5 MPH, 6–10 MPH, 11–15 MPH, 16–20 MPH, and 21+ MPH over the speed limit.
Speeding is classified as risky—and depending on your speed, reckless—driving behavior, so a speeding ticket will typically increase your car insurance premiums. Despite this, many drivers with varying speeding tickets have used Jerry to save on car insurance.
|
Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Speeding 11-15 | Progressive | $155 | Delia, 41, Portland, OR | Nissan Altima Base | State Minimum | No |
| Speeding Violation-Minor | National General | $181 | Marguerite, 31, Portland, OR | Lexus Gx 470 | State Minimum | Yes |
| Speeding Violation-Major | Bristol West | $330 | Lenora, 23, Portland, OR | Chevrolet C1500 Silverado | State Minimum | Yes |
| Speeding Violation-Minor | National General | $234 | Sophia, 28, Portland, OR | Lexus Ls 460 L | State Minimum | No |
| Speeding Violation-Major | National General | $669 | Adele, 28, Portland, OR | Honda Accord Lx | State Minimum | No |
Cheapest car insurance in Portland after DUI
A DUI in Portland is a serious violation and it will trigger extremely high rates for car insurance. Some companies may even refuse you coverage.
To find a good rate for car insurance after a DUI, it’s important to shop around and compare rates.
Jerry has assisted many Portland drivers with finding affordable rates after a DUI.
Cheapest car insurance in Portland after an at-fault accident
Your car accident history has a significant influence on your car insurance rates in Portland.
Before offering you a rate, car insurance companies must determine your level of risk. The company carefully reviews your past accidents—especially the ones where you were found at fault. If you were involved in an at-fault accident recently, there’s a high chance that your car insurance rates might shoot up.
|
Accident type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| At Fault With No Injury | Kemper | $350 | Dustin, 55, Portland, OR | Toyota Camry Ce | State Minimum | Yes |
| Not At Fault | Dairyland | $405 | Barbara, 42, Portland, OR | Toyota Rav4 Le | 50/100 | Yes |
| At Fault With No Injury | Safeco | $159 | Delia, 56, Portland, OR | Dodge Caliber Sxt | State Minimum | Yes |
| At Fault With No Injury | Kemper | $446 | Angel, 35, Portland, OR | Buick Lucerne Cx | State Minimum | No |
| Not At Fault | The General | $405 | Joel, 52, Portland, OR | Toyota Camry Le | State Minimum | Yes |
Cheapest car insurance in Portland after other driving violations
Speeding tickets, DUIs, careless driving, and suspended licenses on your driving record can all lead to rate hikes from any car insurance provider in Portland.
Here’s a list of different driving violations and how we’ve helped drivers save on their car insurance expenses after these infractions.
|
Violation
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Other Minor | National General | $190 | John, 48, Portland, OR | Dodge Ram 1500 | State Minimum | Yes |
| Driving on Sus. License | Gainsco | $208 | Etta, 55, Portland, OR | Ford F-150 | State Minimum | No |
| Failure to Obey Signal | Safeco | $90 | Howard, 35, Portland, OR | Mercedes-Benz Sprinter 2500 | State Minimum | No |
| Failure to Obey Signal | Bristol West | $245 | Earl, 36, Portland, OR | Hyundai Sonata Gls | State Minimum | No |
| Driving on Sus. License | The General | $156 | Gertrude, 44, Portland, OR | Toyota Celica Gt | State Minimum | No |
Cheap car insurance quotes in Portland by age
Young people and seniors generally face the highest insurance rates.
Due to their restricted driving backgrounds, young drivers typically pay more for insurance. Drivers may experience lower rates once they turn 25, but those rates won’t last forever. Seniors also see an increase in their insurance rates once they hit their mid 70s.
Cheapest car insurance in Portland for young drivers
Car insurance can be high for everyone in Portland, but teen drivers between the ages of 16 to 19 usually receive higher-than-average rates—even if they have a clean driving record.
The likelihood of a teen driver filing an insurance claim can be quite high, as well. To stay well-protected on the roads, teen drivers should be on a policy with full coverage in case an accident occurs. Staying on a parent’s policy is an ideal way to keep those teen car insurance rates lower, too.
Cheapest car insurance in Portland for senior drivers
In your mid-70s, you can expect your car insurance rates to start rising for two key reasons:
- Higher risk of accident
- Higher cost to recover from an accident
The reality is that older drivers in Portland are more likely to be involved in an accident. They’re also more vulnerable to injuries in an accident, which may result in significant medical costs.
Cheap car insurance quotes in Portland based on insurance history
Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any lapses in coverage.
Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:
Cheap car insurance quotes in for drivers with poor credit
drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though credit scores don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.
Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).
Here’s how drivers with low credit scores saved with Jerry.
|
Credit Range
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| <550 | Gainsco | $492 | Bill, 27, Portland, OR | Subaru Outback 3.6R Limited | State Minimum | No |
| 660-750 | Safeco | $157 | Jeffrey, 32, Portland, OR | Jeep Wrangler Rubicon | 50/100 | Yes |
| 750+ | Safeco | $159 | Delia, 56, Portland, OR | Dodge Caliber Sxt | State Minimum | Yes |
| <550 | Kemper | $446 | Angel, 35, Portland, OR | Buick Lucerne Cx | State Minimum | No |
| 660-750 | The General | $405 | Joel, 52, Portland, OR | Toyota Camry Le | State Minimum | Yes |
Cheap car insurance quotes in Portland for popular cars
The make and model of your vehicle is an important factor in determining your insurance rate in Portland. Every model has a unique cost of repair, set of safety features, and rate of theft.
Popular car models for Portland drivers include:
- Ford F-150
- Dodge RAM 1500
- Toyota RAV4
- Toyota Tacoma
- Subaru Outback
Learn more: How to get car insurance before buying a car
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Subaru Outback 3.6R Limited | Gainsco | $492 | Troy, 27, Portland, OR | State Minimum | No |
| Toyota Tacoma Double Cab | Bristol West | $273 | Nell, 35, Portland, OR | State Minimum | Yes |
| Ford F-150 | The General | $232 | Mathilda, 62, Portland, OR | State Minimum | No |
| Ford F-150 | Gainsco | $208 | Brent, 55, Portland, OR | State Minimum | No |
| Toyota Tacoma Access Cab | Bristol West | $360 | Sophie, 37, Portland, OR | State Minimum | Yes |
How to lower car insurance costs in Portland
1.Shop around and compare quotes
Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers a set of discounts, but the exact discount offered varies by company. Some common discounts include:
- Good driver discounts. Many insurance providers offer discounts for drivers with clean driving records and/or those who avoid filing claims for a specific period.
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts. Bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
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Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.
Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
