The Cheapest Auto Insurance Companies in Portland, Oregon, in 2026
State Farm offers the cheapest car insurance in Portland, with rates starting at $91 per month.
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Writer: Jessica MartelPersonal Finance Writer
Writer: Jessica MartelPersonal Finance Writer
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
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Editor: Matthew GrossEditor
Editor: Matthew GrossEditor
Qualifications:
5+ years in communications and content creation
2+ years in insurance content
Matthew's journalism and AppleCare editing experience help him simplify complex insurance information on Compare.com.
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Reviewer: Mark FriedlanderSenior Director, Media Relations | Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations | Insurance Information Institute
Qualifications:
Triple-I's media relations director
20+ years in insurance
Mark serves as a national spokesman for Triple-I. An insurance expert, he's an impartial, independent reviewer for Compare.
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Key Takeaways
State Farm is the cheapest car insurance company in Portland. Its rates start at just $91 per month.
Portland drivers pay an average of $132 per month for liability coverage and $205 for full coverage.
Travelers, Safeco, and Nationwide are our top picks for car insurance in Portland.
Cheapest Car Insurance in Portland by Driver and Coverage Type
Every driver has different priorities and coverage needs. So there isn’t one insurance company that works for everyone. The cheapest company for your neighbor might be more expensive for you, for example.
Insurers consider a variety of factors when setting rates, including your age, location, and driving record. That’s why it’s important to compare rates for drivers with a similar profile to yours.
The table below shows average rates for different types of Portland drivers, according to Compare.com data.
Driver or Coverage Type | Cheapest Insurer |
|---|---|
| State-minimum coverage | State Farm |
| Full coverage | Mile Auto |
| Teens | State Farm |
| Seniors | State Farm |
| Drivers with a speeding ticket | State Farm |
| Drivers with an at-fault accident | State Farm |
| Drivers with a DUII | State Farm |
| Drivers with excellent credit | State Farm |
| Drivers with poor credit | State Farm |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
The Overall Cheapest Car Insurance in Portland
The average cost of auto insurance may be $169 per month in Portland, but you can still find ways to save. Several companies offer rates below the citywide average.
The table below highlights the cheapest insurers in Portland, according to Compare.com data.
The below rates in Portland, OR, are estimated rates current as of: Thursday, October 1 at 5:20 AM PDT.
Company | Average Monthly Premium |
|---|---|
| State Farm | $91 |
| Sun Coast | $107 |
| USAA | $107 |
| Mile Auto | $108 |
| Progressive | $118 |
| GEICO | $120 |
| National General | $122 |
| The General | $134 |
| Country Financial | $135 |
| Bristol West | $138 |
| Safeco | $141 |
| Allstate | $149 |
| Dairyland | $153 |
| American Family | $154 |
| Root | $157 |
| Direct Auto | $165 |
| Farmers | $211 |
| Liberty Mutual | $214 |
| Travelers | $260 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Thursday, October 1 at 5:20 AM PDT.
State Farm offers the cheapest average rates in Portland, at $91 per month. Of course, this rate can change based on personal factors, your coverages, and the insurer you choose. It’s always a good idea to compare multiple insurance companies before buying a policy.
Next, we’ll explore the best car insurance companies in Portland to help you find the cheapest rate.
Estimated Cost: $187 per month
Category | Price |
|---|---|
| $78 | 3.7% |
| $97 | 5.6% |
| $115 | 7.0% |
| $134 | 7.5% |
| $153 | 8.4% |
| $172 | 8.4% |
| $190 | 7.6% |
| $209 | 7.5% |
| $228 | 6.8% |
| $246 | 6.1% |
| $265 | 5.2% |
| $284 | 4.8% |
| $302 | 4.2% |
| $321 | 3.5% |
| $340 | 3.2% |
| $359 | 2.8% |
| $377 | 2.3% |
| $396 | 2.1% |
| $415 | 1.8% |
| $433 | 1.6% |
40.5% of drivers like you pay less for car insurance. Compare quotes to save up to $1308 per year.
We sourced the figures you see here from Compare.com's database of more than 58 million real-life car insurance quotes. Actual rates may vary based on your unique driver profile.
Cheapest Liability Car Insurance in Portland: State Farm
The type of coverage you choose is one of the many factors that affect your premiums. Liability coverage at the state minimum is the cheapest policy you can purchase. It covers only the damage and injuries you cause to others in an accident, but it won’t cover yours.
While opting for the minimum liability coverage can help to keep your premiums low, you might find it’s not enough coverage for your needs. For more protection on the road, consider full-coverage insurance.
In Portland, liability-only insurance costs an average of $132 per month. The table below shows the average monthly rates for liability coverage for the five cheapest companies in Portland, according to Compare.com data.
The below rates in Portland, OR, are estimated rates current as of: Thursday, October 1 at 5:20 AM PDT.
Cheapest Liability Rates by Company
Company | Average Monthly Premium |
|---|---|
| State Farm | $91 |
| Sun Coast | $107 |
| USAA | $107 |
| Mile Auto | $108 |
| Progressive | $118 |
| GEICO | $120 |
| National General | $122 |
| The General | $134 |
| Country Financial | $135 |
| Bristol West | $138 |
| Safeco | $141 |
| Allstate | $149 |
| Dairyland | $153 |
| American Family | $154 |
| Root | $157 |
| Direct Auto | $165 |
| Farmers | $211 |
| Liberty Mutual | $214 |
| Travelers | $260 |
How much car insurance is required in Portland?
In Oregon, it’s illegal to drive without minimum liability coverage — plus, the state has higher car insurance requirements than other states. You‘re also required to carry the following coverages:
$15,000 in personal injury protection (PIP) coverage per person
$25,000 in uninsured motorist (UM) coverage per person
$50,000 in UM coverage per accident
But to ensure that you have the proper coverage, you’ll need to have a policy with at least the following coverages and limits:
$25,000 in bodily injury liability per person
$50,000 in bodily injury per accident
$20,000 in property damage liability per accident
Remember, Oregon is an at-fault state. This means the driver who causes the accident has to pay for the damages. Because of this, the state’s minimum insurance requirements might not provide enough coverage if you’re in a serious accident. It’s a good idea to consider increasing your limits for greater protection.
Cheapest Full-Coverage Car Insurance in Portland: Mile Auto
Full-coverage auto insurance typically includes liability insurance and collision and comprehensive coverage.
While liability insurance protects the other drivers if you cause an accident, full-coverage insurance protects you and your vehicle. Full coverage is typically more expensive because it provides more protection, but the extra cost is worth it for many drivers.
Portland drivers pay an average of $205 per month for full-coverage car insurance. The table below lists the cheapest full-coverage insurance rates in Portland, according to Compare.com data.
The below rates in Portland, OR, are estimated rates current as of: Thursday, October 1 at 5:20 AM PDT.
Cheapest Full-Coverage Rates by Company
Company | Average Monthly Premium |
|---|---|
| Mile Auto | $134 |
| State Farm | $138 |
| USAA | $164 |
| Progressive | $176 |
| GEICO | $180 |
| Safeco | $191 |
| Country Financial | $207 |
| National General | $218 |
| Root | $227 |
| American Family | $235 |
| Bristol West | $241 |
| Allstate | $257 |
| Sun Coast | $269 |
| Liberty Mutual | $280 |
| Direct Auto | $295 |
| The General | $311 |
| Dairyland | $318 |
| Farmers | $320 |
| Travelers | $395 |
Cheapest Car Insurance for Teen Drivers: State Farm
Teenagers pay some of the highest insurance rates of any age group. They’re the most expensive to insure because they lack driving experience and tend to practice risky driving behaviors. The teen driver crash rate is nearly four times that of drivers in their 20s, according to the Insurance Institute for Highway Safety (IIHS).
The citywide average for teen drivers in Portland is $314 per month, according to our data. But teens can find the cheapest average rates with State Farm, at just $176 per month.
The chart below shows the five cheapest companies for Portland teens, according to Compare.com data.
The below rates in Portland, OR, are estimated rates current as of: Thursday, October 1 at 5:20 AM PDT.
Cheapest Rates for Teens
Company | Average Monthly Premium |
|---|---|
| State Farm | $176 |
| USAA | $196 |
| Sun Coast | $199 |
| Country Financial | $213 |
| GEICO | $219 |
| Progressive | $219 |
| Mile Auto | $222 |
| Root | $239 |
| National General | $242 |
| The General | $243 |
| Bristol West | $245 |
| Dairyland | $266 |
| Allstate | $277 |
| Safeco | $290 |
| American Family | $291 |
| Direct Auto | $323 |
| Liberty Mutual | $377 |
| Farmers | $422 |
| Travelers | $540 |
Compare Real-Time Car Insurance Quotes in Portland
Rates in Portland start at $67 per month.
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Cheapest Car Insurance for Senior Drivers: State Farm
If you’re approaching retirement age, you can expect to find some of the cheapest auto insurance rates around. That’s because older drivers tend to drive less and are more likely to follow speed limits, according to the Insurance Information Institute (Triple-I). Due to these good driving behaviors, many insurance companies offer discounts to drivers older than 55.
Portland seniors in their 60s pay an average of $147 per month for auto coverage. But these drivers can find the cheapest rates with State Farm, at around $72 per month.
The chart below shows the cheapest insurers in Portland for senior drivers, according to our data.
The below rates in Portland, OR, are estimated rates current as of: Thursday, October 1 at 5:20 AM PDT.
Cheapest Rates for Seniors
Company | Average Monthly Premium |
|---|---|
| State Farm | $72 |
| Mile Auto | $85 |
| USAA | $87 |
| Sun Coast | $93 |
| GEICO | $96 |
| National General | $96 |
| Progressive | $103 |
| Country Financial | $107 |
| The General | $114 |
| Bristol West | $115 |
| Safeco | $123 |
| American Family | $123 |
| Allstate | $129 |
| Dairyland | $130 |
| Direct Auto | $135 |
| Root | $145 |
| Farmers | $168 |
| Liberty Mutual | $178 |
| Travelers | $209 |
The Cheapest Car Insurance for Drivers by Driving Record
Your driving record also has a significant effect on your auto insurance rates. In general, the cleaner your record, the lower your premium. But if you’ve been in a few accidents or have several speeding tickets, you can expect to pay more than someone with a clean driving record.
Every traffic violation affects your rates differently. A ticket or at-fault accident can cause a modest increase. But driving under the influence of intoxicants (DUII) conviction will cause your insurance costs to spike.
The table below shows average monthly premiums for different driving records and the cheapest insurer for each, according to Compare.com data.
The below rates in Portland, OR, are estimated rates current as of: Thursday, October 1 at 5:20 AM PDT.
Company | Average Monthly Premium |
|---|---|
| State Farm | $120 |
| Mile Auto | $137 |
| USAA | $143 |
| Sun Coast | $146 |
| National General | $159 |
| Progressive | $161 |
| GEICO | $164 |
| Bristol West | $182 |
| The General | $187 |
| Country Financial | $188 |
| Safeco | $193 |
| Root | $195 |
| Dairyland | $198 |
| Allstate | $203 |
| American Family | $207 |
| Direct Auto | $217 |
| Farmers | $281 |
| Liberty Mutual | $284 |
| Travelers | $350 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Thursday, October 1 at 5:20 AM PDT.
The below rates in Portland, OR, are estimated rates current as of: Thursday, October 1 at 5:20 AM PDT.
Company | Average Monthly Premium |
|---|---|
| State Farm | $123 |
| Sun Coast | $147 |
| USAA | $147 |
| Mile Auto | $149 |
| Progressive | $162 |
| GEICO | $162 |
| National General | $165 |
| Bristol West | $187 |
| The General | $187 |
| Country Financial | $189 |
| Safeco | $200 |
| Root | $201 |
| Allstate | $204 |
| Dairyland | $205 |
| American Family | $212 |
| Direct Auto | $229 |
| Farmers | $289 |
| Liberty Mutual | $290 |
| Travelers | $359 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Thursday, October 1 at 5:20 AM PDT.
The below rates in Portland, OR, are estimated rates current as of: Thursday, October 1 at 5:20 AM PDT.
Company | Average Monthly Premium |
|---|---|
| State Farm | $121 |
| Sun Coast | $132 |
| USAA | $142 |
| Mile Auto | $143 |
| Progressive | $145 |
| GEICO | $161 |
| National General | $162 |
| The General | $173 |
| Country Financial | $175 |
| Allstate | $183 |
| Bristol West | $183 |
| American Family | $196 |
| Dairyland | $203 |
| Root | $209 |
| Safeco | $209 |
| Direct Auto | $219 |
| Farmers | $280 |
| Liberty Mutual | $284 |
| Travelers | $345 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Thursday, October 1 at 5:20 AM PDT.
Cheapest Car Insurance for Drivers by Credit
Oregon allows insurers to check your credit history when determining your rates. Drivers with poor credit tend to file more claims, so insurers charge them higher premiums. On the other hand, maintaining good credit can help lower your rates.
Portland drivers with poor credit pay an average of $211 per month for car insurance. But drivers with excellent credit pay only $147 per month.
That said, not every insurer uses your credit history. And some even offer affordable rates, regardless of your credit.
The table below shows the cheapest insurers for Portland drivers by credit, according to Compare.com data.
The below rates in Portland, OR, are estimated rates current as of: Thursday, October 1 at 5:20 AM PDT.
Company | Average Monthly Premium |
|---|---|
| State Farm | $75 |
| Mile Auto | $92 |
| USAA | $93 |
| Sun Coast | $93 |
| GEICO | $98 |
| Progressive | $103 |
| National General | $107 |
| The General | $117 |
| Bristol West | $121 |
| Country Financial | $122 |
| Safeco | $125 |
| Allstate | $130 |
| American Family | $131 |
| Dairyland | $134 |
| Root | $140 |
| Direct Auto | $145 |
| Liberty Mutual | $175 |
| Farmers | $179 |
| Travelers | $224 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Thursday, October 1 at 5:20 AM PDT.
The below rates in Portland, OR, are estimated rates current as of: Thursday, October 1 at 5:20 AM PDT.
Company | Average Monthly Premium |
|---|---|
| State Farm | $133 |
| USAA | $133 |
| Mile Auto | $134 |
| Sun Coast | $134 |
| GEICO | $141 |
| Progressive | $148 |
| National General | $151 |
| Country Financial | $165 |
| The General | $166 |
| Bristol West | $171 |
| Safeco | $175 |
| Allstate | $186 |
| American Family | $187 |
| Dairyland | $189 |
| Root | $194 |
| Direct Auto | $204 |
| Farmers | $248 |
| Liberty Mutual | $256 |
| Travelers | $308 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Thursday, October 1 at 5:20 AM PDT.
How to Get the Cheapest Car Insurance in Portland
)
Though Portland car insurance rates are relatively expensive, area drivers have access to several ways to cut costs. Consider the following tips:
Ask about discounts. Insurers offer a variety of discounts that can help increase your savings. Common discounts include defensive driving, low mileage, safety equipment, anti-theft devices, and military discounts.
Bundle insurance. Many companies will give you a multi-policy discount when you purchase two or more insurance products, such as home and auto coverage.
Consider your deductible. Your deductible is the amount of money you have to pay before your insurance takes over. A higher deductible can lower your monthly premiums but increases your out-of-pocket costs. Make sure you can afford the extra expense before increasing your deductible.
Compare insurance companies. Rates between insurance companies vary dramatically, so compare quotes from at least three different insurance companies before deciding which insurer is right for you.
Our Picks for the Best Auto Insurance in Portland
While Portland has many great auto insurance companies, there’s no single best company for everyone. The right company for you is the one that fits your needs and budget. We’ve chosen the following three insurance companies based on average rates, available discounts, customer ratings and reviews, and coverage offered in Portland.
| J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 592 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $260/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $395/mo |
How drivers feel about Travelers
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 45 Travelers reviews
Verified Review
Reviewed in Pennsylvania on October 14, 2026
Travelers is a great company, but it’s too expensive. The service is impeccable.
Verified Review
Reviewed in Florida on October 10, 2026
Travelers gives excellent customer service. I pay more for it; however, I’ve had it for years, and I love how reliable and quick to respond their service people are. I feel it’s worth the price—I know they’ll take care of me when I need them and not make me feel like I’m on my own. 5 stars. In my opinion.
Verified Review
Reviewed in California on October 10, 2026
I dropped Travelers after the company canceled my homeowners policy and my bundle discount.
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
If you have a speeding ticket, car accident, or DUII on your driving record, Travelers offers some of the cheapest insurance rates in Portland. The company is also a great option for teen drivers.
In addition to low rates, Travelers can help you save with a variety of discounts, including multi-policy, multi-car, safe drivers, continuous insurance, and good student discounts.
That said, Travelers has downsides, including below-average customer satisfaction and claims satisfaction.
Pros
Affordable rates
Variety of discounts
Online quoting tool
Cons
More expensive than some competitors
Below-average customer satisfaction according to J.D. Power rankings
Lower-than-average claims satisfaction score
| User Reviews | 4.4 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $141/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $191/mo |
4.4
Best choice in Portland, ORBased on 29 verified guest reviews and ratings
Safeco Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 3.5 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 3.0 | 3.1 |
| Value | 4.0 | 2.9 |
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
607
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
Not rated
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
Not rated
Why we picked this company
Safeco offers some of the cheapest rates in Portland for basic liability coverage. The company offers fewer discounts than some competitors, but you can get a 10% discount for enrolling in its RightTrack program. The program will also reward you with up to 30% off your policy if you’re a safe driver.
And if you remain claims-free for six months, Safeco will automatically mail you a check for 2.5% of your insurance policy premiums.
Pros
Affordable liability rates
Above-average claims satisfaction score from J.D. Power
Highly-rated telematics program
Cons
Not many discounts
Below-average customer satisfaction from J.D. Power
RightTrack telematics program could raise your rates if it detects poor driving habits
| User Reviews | 3.1 |
|---|
3.1
A solid option in Portland, ORBased on 23 verified guest reviews and ratings
Nationwide's score | Industry average | |
|---|---|---|
| Coverage options | 3.0 | 3.2 |
| Customer service | 3.2 | 3.6 |
| Discounts | 3.0 | 2.9 |
| Policy transparency | 3.0 | 3.1 |
| Value | 3.3 | 2.9 |
Showing recent national reviewsSee all 7 Nationwide reviews
Verified Review
Reviewed in North Carolina on December 18, 2025
I would shop around depending on how much coverage you need. Nationwide has handled my past claims, although, as you might suspect, there were some frustrating times spent trying to glean information from representatives. Nationwide has changed since I first started with them. They used to have independent agencies; now they seem to be just representative agencies with no real concern for people—just customers who pay their bills every month if they "accept" your business.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
641
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
Nationwide offers SmartRide, a usage-based insurance program that allows you to save 10% on your insurance premium just for signing up and up to 40% for safe driving. If you don’t drive often, you can also take advantage of SmartMiles, its pay-per-mile insurance program.
The company offers a wide range of auto insurance coverage options as well as property, personal, and business insurance products.
Pros
Online quotes available
Save up to 40% with SmartRide telematics program
Pay-per-mile coverage options
Cons
Higher average rates than some competitors
Below-average claims satisfaction rating according to J.D. Power
Mixed reviews regarding claims handling
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4.7 out of 5 based on 856 reviews
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Portland Auto Insurance FAQs
If you’re ready to learn more about car insurance in Portland, Oregon, check out answers to some of the most commonly asked questions.
What’s the cheapest auto insurance company in Portland?
State Farm offers the cheapest car insurance in Portland, with an average monthly premium of $91, according to our analysis. But that doesn’t guarantee you’ll get the same rate. Be sure to shop around to find the best rates in the city.
How much is car insurance in Portland, OR?
Portland drivers pay an average monthly rate of $169, according to our data. That breaks down to $132 per month for liability coverage and $205 for full coverage.
What’s the best car insurance company in Portland?
It depends. Travelers, Safeco, and Nationwide are Compare.com’s top picks for car insurance in Portland. But there isn’t a single “best” car insurance company for every type of driver. The right company for you depends on factors like your budget, coverage needs, and driving record.
Is car insurance in Portland expensive?
On average, Portland tends to have higher car insurance rates than the state and national averages. Portland drivers pay an average of $169 per month for auto coverage. Compare that to the overall monthly average in Oregon of $125 and the national average of $143 per month.
Is minimum coverage enough in Portland?
Minimum-coverage car insurance might meet Oregon’s legal requirements, but most insurance experts recommend buying full coverage. Minimum coverage covers only the other driver’s injuries and damages in an accident, not your own. Plus, serious accidents can easily exceed Oregon’s minimum requirements, leaving you on the hook to pay the rest out of pocket.
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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On average, drivers in Gresham pay around $133 per month for their car insurance. Learn more in our handy guide below.
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The Cheapest Auto Insurance Companies in Medford, Oregon, in 2026
State Farm offers the cheapest car insurance in Medford, with average monthly rates starting around $57.
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Springfield, OR Car Insurance
Drivers in Springfield pay around $75 a month for their car insurance. To learn more about what you're likely to pay in the Springfield area, read our guide below.
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Writer: Jessica MartelPersonal Finance Writer
Writer: Jessica MartelPersonal Finance Writer
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
Editor: Matthew GrossEditor
Editor: Matthew GrossEditor
Qualifications:
5+ years in communications and content creation
2+ years in insurance content
Matthew's journalism and AppleCare editing experience help him simplify complex insurance information on Compare.com.
Reviewer: Mark FriedlanderSenior Director, Media Relations | Insurance Information Institute
Reviewer: Mark FriedlanderSenior Director, Media Relations | Insurance Information Institute
Qualifications:
Triple-I's media relations director
20+ years in insurance
Mark serves as a national spokesman for Triple-I. An insurance expert, he's an impartial, independent reviewer for Compare.