Best Car Insurance in Portland 2021

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Car insurance in Portland Oregon costs single-car drivers an average of $2,580 annually, or about $215 per month. Compared to the state annual average of $2,495, auto insurance in Portland is $85 higher.
Here’s how much real Jerry customers pay for insurance in Portland:

Real quotes for Jerry customers in Portland, Oregon

Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
July 1, 2021Mazda Tribute LXOR38National GeneralPredicted$120/mo.$88/mo.
August 15, 2021Honda Accord EXOR63Bristol WestCurrent$250/mo.$102/mo.
August 4, 2021Toyota RAV4OR26KemperCurrent$204/mo.$129/mo.
May 18, 2021Dodge Grand Caravan SXTOR35DairylandCustom$250/mo.$191/mo.
April 13, 2021BMW X1 Sdrive28IOR28SafecoPredicted$293/mo.$262/mo.
The best way to secure the right plan for lower premiums in Portland is to shop around and compare quotes. Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from carrier to carrier.
Are you on the hunt for insurance quotes? Meet Jerry. Answer a handful of easy questions that take roughly 45 seconds and Jerry will instantly find quotes from up to 45 insurance carriers. No waiting, no long forms.
Drivers inPortland have saved money by comparing prices and switching plans through Jerry.

Best Car Insurance Carriers in Portland, Oregon

Insurance Company
Before Jerry
After Jerry
Allstate$2,682$1,698
Safeco$2,564$1,760
Travelers$2,359$1,772
Nationwide$2,390$1,785
Kemper$2,717$1,825
National General$2,674$1,942
Dairyland$3,206$2,381

Minimum coverage car insurance in Portland

On average, the cost of minimum coverage car insurance in Portland is $2,176 per year, or $181 per month.

The minimum level of car insurance required in Portland is liability coverage, which helps to pay for other people’s expenses when you’re at fault in an accident.
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Portland:
Before Jerry
After Jerry
$1,818$1,166
Shopping around it important in order to find the best price and coverage to suit your needs. Here’s how much Jerry users pay with various carriers for their minimum coverage insurance:
Insurance Company
Before Jerry
After Jerry
Progressive$1,899$1,307
National General$2,053$1,418
Kemper$3,067$2,303
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Full coverage car insurance in Portland

Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run).
Full-coverage car insurance policies generally include:
If you decide that full-coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay in Portland:
Before Jerry
After Jerry
$2,355$2,242
Here’s how much Jerry users pay with various carriers for their full coverage insurance:
Insurance Company
Before Jerry
After Jerry
National General$1,410$1,194
Travelers$1,885$1,840
Progressive$2,637$2,258
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How does your age affect your auto insurance cost in Portland?

If you’re a driver under 25 in Portland, you could be paying as much as $52 more per month than an adult driver.

The bottom line is, younger drivers are at a higher risk of getting into accidents, which is reflected in higher insurance premiums.
Here’s how much drivers under 25 in Portland saved by switching car insurance through Jerry:
Age Group
Before Jerry
After Jerry
18-20$4,080$2,558
21-24$3,166$2,447
On the contrary, here’s how much drivers aged 25 and over in Portland pay for car insurance:
Age Group
Before Jerry
After Jerry
25-34$2,548$1,971
35-44$2,627$2,075
45-54$2,177$1,458
55-64$3,329$1,722
65+$2,400$1,592

Cheapest car insurance for drivers in Portland with prior incidents

It’s no secret that your driving record will impact your auto insurance premium. How much will your rate go up if you have a minor infraction? A major infraction? Quantifying those differences can be difficult, and it’s hard to know what carriers to choose if you have been involved in an accident or traffic incident.
If your driving record isn’t squeaky clean, Jerry can help you figure out which carrier can give you the best rate in just 45 seconds. Here’s how much Jerry customers in Portland saved on car insurance despite having prior incidents on their record:
Driving Violation
Before Jerry
After Jerry
Clean Record$2,348$1,593
Failure to Obey Traffic Sign$1,920$1,071
Speeding under 15$1,776$1,638
Other$2,896$2,136
Speeding over 15$2,400$2,223
Here’s how much drivers with a bad driving record in [Portland saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
Nationwide$1,730$1,617
Safeco$2,361$1,655
Allstate$2,712$1,663
Progressive$2,327$1,709
Travelers$2,405$1,970
Kemper$2,761$2,040
National General$3,002$2,299
Dairyland$3,000$2,612

Cheapest car insurance for young drivers in Portland with prior incidents

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Fortunately, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,423$1,741
Other$4,608$3,096
Here’s how much young drivers with a bad driving record in [Portland saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
Progressive$2,332$1,776
Travelers$2,976$2,047
Kemper$3,397$2,425
National General$3,474$2,725
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How can you save money on car insurance in Portland

Finding the cheapest car insurance doesn’t begin and end with comparing quotes. In other words, you can’t forget discounts.
Discounts are a great way to save money on your coverage. Here are some to keep an eye out for:
  • Customer loyalty (e.g. bundling, early renewal)
  • Demographic (e.g. good student, senior)
  • Driver affiliations (e.g. military, affinity)
  • Driving history (e.g. accident-free, safe driver)
  • Driver training (e.g. defensive driver course)
  • Equipment-related (e.g. anti-theft, new car)
  • Payment (e.g. auto-pay, paperless)
You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.
By analyzing your coverage needs and generating new quotes before every renewal, Jerry can ensure that you stay up-to-date on all the discounts available to you. You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.

Does your rate depend on what part of Portland you live in?

Car insurance rates don’t just differ by city—they also differ by ZIP code, which means your premiums could fluctuate if you move to a new neighborhood within the same urban location.
Use the tool below to figure out real quotes for drivers in your immediate area, and to see how much you could be saving on car insurance with Jerry.
Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
May 22, 2021Honda Accord SEOR25AllstateStandard$316/mo.$131/mo.
August 15, 2021Honda Accord EXOR63Bristol WestCurrent$250/mo.$102/mo.
May 13, 2021Jeep Cherokee LimitedOR37TravelersCurrent$213/mo.$114/mo.
July 8, 2021Toyota Camry LEOR22ProgressiveCurrent$274/mo.$185/mo.
August 4, 2021Toyota RAV4OR26KemperCurrent$204/mo.$129/mo.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last twelve months.

Browse questions from our car experts

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