Portland, OR Car Insurance

Drivers in Portland pay around $100 a month for their car insurance. To learn more about what you're likely to pay in the Portland area, read our guide below.
Map of cities where drivers can find cheaper car insurance
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Are rates in Portland higher or lower than those in neighboring areas? How do they compare to the rest of Oregon? What should residents of Portland expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:

How much is car insurance in Portland?

Area Average Monthly Car Insurance Premium
Portland$100
OR$83
United States$81

You can see in the chart above that it's around $17 a month more expensive to insure your vehicle in Portland than it is in the rest of Oregon.

Similarly, the expected monthly payments for an auto insurance policy in Portland are above the national average. It's around $19 more expensive to insure your vehicle in Portland compared to the average rate for the rest of the U.S.

Bear in mind that while these rates are the average costs for Portland drivers, it doesn't mean that's what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.

We've broken down average rates for Portland to help you understand what your policy's monthly premium will cost. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$170
25-34$91
35-44$89
45-54$90
55-64$73
65+$72

The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to auto insurance rates, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay twice as much as drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates rise again once you hit retirement in Portland.

Average Car Insurance Rates by Gender

Gender Average
Male$99
Female$100

Car insurance rates for female drivers are usually cheaper than those for male drivers. While male drivers actually pay a little bit less than female drivers on their monthly premiums, the difference in Portland is only about $1 a month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$128
Multiple Accidents$158
1 Ticket$119
Multiple Tickets$145

One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Portland, having a single accident on your record will usually get you rates around $128 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $119.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$97
2-3 Years$97
4-5 Years$87
6-7 Years$94
8-10 Years$102
11-14 Years$105
15 Years or Older$99

According to the first table above, the cheapest vehicles to insure in Portland are usually trucks and vans, at $90 per month.

Car owners will see a monthly bill of about $104, while SUV owners typically pay around $94 per month.

In addition to vehicle type, you can also expect to see slightly different rates depending on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is about 5 years old however, your rates may start to dip back down a bit. In Portland, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$104
Married$88
Divorced$84
Widowed$91

Overall, people who are married will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Portland, with married couples paying about $16 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$83
Rent$104
Live with parents$160

One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $21 a month more than homeowners in Portland. Those who live with their parents, however, can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Portland, OR

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

In Portland, auto insurance rates decreased from 2017-2019, before leveling out in 2020. Rates finished down in 2022, at $85 a month

How does Portland compare to neighboring areas?

Why are car insurance rates in Portland different from other areas?

There are several factors car insurance companies take into consideration when deciding how much to charge for coverage. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:

  • Regional crime rates
  • Total drivers
  • Road Safety (total number of local car accidents)
  • Area regulations
  • Availability of off-street parking

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Portland?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Don't worry, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from several of the car insurance companies offering plans in Portland.


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Portland Insurance FAQs

What factors affect car insurance quotes in Portland?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Portland different from other neighboring cities?

Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Portland?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Portland?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Portland or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

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