Wet conditions and consistent rain are no strangers to the drivers in Portland, Oregon. Those conditions combined with the city’s many bridges, plenty of cyclists and narrow streets downtown make proper car insurance in Portland a necessity. Whether you regularly commute downtown or are bouncing between the area’s suburbs, it’s wise to shop for car insurance to ensure you’re getting fair rates based on your driver profile. 

We’ve gathered data from Jerry customers in Portland to show you how rates can vary based on your age, driving history and location within the city so you can shop for auto insurance confidently.

Cheapest minimum coverage insurance in Portland

Oregon requires drivers to carry these coverages at minimum:

• Liability for bodily injury and property damage includes $25,000 per person, $50,000 per crash for injuries to others, and $20,000 per crash for damage to others’ property.
• Personal injury protection of $15,000 per person.
• Uninsured motorist coverage of $25,000 per person and $50,000 per crash for bodily injuries caused by an uninsured driver.

These are some of the cheapest quotes that Jerry customers received for minimum coverage in Portland.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Cheapest full coverage insurance in Portland

The Pacific Northwest is known to receive its fair share of rain and the minimum coverage may not protect you if your car floods or is damaged by hail. For that, you’d need full coverage, which is the combination of collision and comprehensive insurances. Collision pays repair costs regardless of fault and comprehensive protects you in non-collision events like weather hazards, animal collisions, or theft.

Here are some of the cheapest full coverage quotes that Jerry customers in Portland received.

Cheapest car insurance for young drivers in Portland (18-29 years old)

Auto insurance is often more expensive for younger drivers than it is for those in their 30s and older. This means it’s wise to get multiple quotes to find the most affordable policy.

Here are the cheapest quotes that young Jerry customers in Portland have received.

Cheapest car insurance for mature drivers in Portland (30-54 years old)

Cheapest car insurance for older drivers (55+ years old)

Cheapest car insurance for drivers with clean records in Portland

Drivers in Portland with a no claims or violations may have a better chance at a low rate than those with less-than-perfect records.

Here are some of the cheapest quotes that Jerry customers with a clean record have received.

Cheapest car insurance for drivers with low credit scores in Portland

Drivers with low credit scores are likely to get higher premiums than good-credit drivers, so it’s worth your time to rate shop and assume the first quote won’t be the best. Here are the cheapest quotes that drivers with scores below 550 in Portland received via Jerry.

Cheapest car insurance for drivers with at-fault accidents in Portland

Cheapest car insurance for drivers with speeding tickets in Portland

Methodology

Data included in this analysis comes from policies that Jerry has quoted on or after Jan. 1, 2024. Jerry services 48 states and offers a range of insurance companies to choose from.