Most drivers looking for cheap auto insurance in Portland will find it at State Farm. Minimum-coverage policies cost $66 per month, on average, through State Farm, while full-coverage policies cost an average of $107 per month.
USAA offers even better options for minimum- and full-coverage car insurance in Portland, with monthly rates of $60 and $103, respectively. That said, USAA’s policies are reserved for former or active members of the military, as well as certain qualified family members.
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Cheapest car insurance quotes in Portland
State Farm has the best cheap car insurance rates for most drivers in Portland. An average monthly rate of $66 for minimum coverage sets State Farm ahead of most other providers in our survey.
At a cost of $60 per month, USAA has even more affordable policies for Portland drivers. However, the group only provides insurance for military members and their families.
For non-military customers, Allstate and Progressive are also solid options. Both have premiums that cost less than the citywide average of $119 per month.
| Company | Monthly rate |
|---|---|
| USAA | $60 |
| State Farm | $66 |
| Allstate | $82 |
| Progressive | $98 |
| City average | $119 |
| Country Financial | $132 |
| Farmers | $136 |
| American Family | $156 |
| GEICO | $163 |
| Nationwide | $175 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
In Oregon, drivers must carry liability car insurance coverage for bodily injuries and property damage. That coverage is required to meet the following minimums:
- $25,000 per person injured in an accident
- $50,000 for all people injured in an accident
- $20,000 for property damage incurred in an accident
Drivers are also required to carry personal injury protection as well as coverage for uninsured motorists. State-minimum car insurance policies must include:
- $15,000 in personal injury protection
- $25,000 for uninsured motorists involved in an accident
- $50,000 for all uninsured motorists involved in an accident
Compare rates from top car insurance companies
A majority of Portland drivers will get the cheapest full-coverage car insurance rates from State Farm, too. The company offers full-coverage policies for $107 a month, over $50 cheaper than the next-best option.
USAA again has better deals, but only for those who qualify. Its average full-coverage premium totals $103 a month.
| Company | Monthly rate |
|---|---|
| USAA | $103 |
| State Farm | $107 |
| Allstate | $159 |
| Progressive | $164 |
| City average | $193 |
| Country Financial | $196 |
| American Family | $202 |
| Farmers | $205 |
| Nationwide | $292 |
| GEICO | $310 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
No state requires full-coverage car insurance, but some lenders and lessors do. It’s also recommended for drivers with new or particularly expensive vehicles.
Full coverage typically features collision and comprehensive coverage, in addition to the liability coverage required by the state. In Oregon, that includes coverage for bodily injury, property damage, personal injury protection and uninsured drivers.
Cheap auto insurance in Portland for drivers with a DUI
The cheapest auto insurance for Portland drivers with a DUI comes from State Farm. There, drivers with one DUI on their record will get full coverage for an average of $118 per month.
USAA has the second-cheapest option for those who qualify. Progressive and American Family follow behind, with policies costing $188 and $265 respectively.
In Portland, the average full-coverage rate for a driver with one DUI is $320 per month. That’s a 66% increase from the citywide mean of $193 for drivers overall.
| Company | Monthly rate |
|---|---|
| State Farm | $118 |
| USAA | $173 |
| Progressive | $188 |
| American Family | $265 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheap auto insurance in Portland for drivers with accidents or tickets
State Farm leads the way among providers for Portland drivers with an accident on their record. For full coverage, the company charges an average of $140 a month.
USAA again has competitive rates for those who qualify. The group offers full-coverage policies for $160 a month — that’s for a driver with one accident on their record.
| Company | Monthly rate |
|---|---|
| State Farm | $140 |
| USAA | $160 |
| Allstate | $255 |
| Progressive | $271 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
For those with speeding tickets, State Farm is also the most affordable choice. Its average rate of $118 per month is the cheapest in Portland.
USAA, Allstate and Progressive yet again have the next-best options, charging average monthly rates of $132, $189 and $210, respectively.
| Company | Monthly rate |
|---|---|
| State Farm | $118 |
| USAA | $132 |
| Allstate | $189 |
| Progressive | $210 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance in Portland for teen drivers
Most teen drivers in Portland will get the best and cheapest minimum-coverage car insurance rates at State Farm. For 18-year-olds with clean driving records, the company charges $197 on average.
That amount, which is only bested by USAA’s policies for military members, is almost half of what the average teen driver pays in Portland. Based on our survey, the mean minimum-coverage rate for an 18-year-old is $372 a month.
| Company | Monthly rate |
|---|---|
| USAA | $129 |
| State Farm | $197 |
| Allstate | $234 |
| Country Financial | $333 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
For full-coverage car insurance, State Farm again leads the pack for most teen drivers in Portland. The provider’s average rate for an 18-year-old with a clean driving record is $328 per month.
Those who qualify will find great deals at USAA, which has policies costing just $222 a month. That’s nearly three times less than the citywide average of $621.
| Company | Monthly rate |
|---|---|
| USAA | $222 |
| State Farm | $328 |
| American Family | $491 |
| Allstate | $496 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Get cheap auto insurance in Portland, Oregon
Cheapest car insurance in Portland for senior drivers
Senior drivers should look to State Farm for the cheapest car insurance in Portland. The company offers minimum-coverage rates of $63 a month — that’s for a 60-year-old with a clean driving record.
On average, Portland’s seniors pay less for car insurance than the city’s residents overall. The mean cost for a 60-year-old with a clean driving record is $109 a month, just below the overall city average of $119.
| Company | Monthly rate |
|---|---|
| State Farm | $63 |
| USAA | $64 |
| Allstate | $72 |
| Progressive | $87 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Senior drivers also get the best full-coverage rates in Portland from State Farm, where policies cost $100 per month on average. Again, that’s the rate for a 60-year-old with a clean record.
| Company | Monthly rate |
|---|---|
| State Farm | $100 |
| USAA | $105 |
| Allstate | $135 |
| Progressive | $138 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Portland car insurance requirements
Drivers in Oregon must carry a minimum amount of car insurance coverage, which needs to meet the following thresholds for bodily injury, property damage, personal injury protection and uninsured motorists:
- $25,000 per person injured in an accident
- $50,000 for all people injured in an accident
- $20,000 for property damage incurred in an accident
- $15,000 in personal injury protection
- $25,000 for uninsured motorists involved in an accident
- $50,000 for all uninsured motorists involved in an accident
For full coverage, drivers would typically opt to add comprehensive and collision coverage, as well as other optional insurance for rental cars, funeral costs and more.
No state requires full coverage, but it’s recommended for those with expensive or new cars. Certain lenders and lessors may also require it.
Methodology
We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Portland ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.
Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Oregon’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:
- $100,000 bodily injury liability coverage per person
- $300,000 bodily injury liability coverage per accident
- $100,000 property damage liability coverage
- $500 deductibles for both collision and comprehensive coverage
Sources:
Auto insurance by city
- Portland
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