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How much is car insurance in Portland, OR? Residents shouldn't be surprised to learn average car insurance rates in Portland are higher than both the state and national averages. Portland is a large city with frequent inclement weather, and iffy road conditions. Prices will vary depending on your driving history and the total number of claims filed in your zip code.
The average cost of auto insurance in Oregon is $818.92 per year. The national average annual cost is $866.31.
|Total Cost Per Year||$818.92|
|Price Per Month||$68.24|
QuoteWizard helps Portland residents compare car insurance quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Portland, Oregon and save up to 40% on your premium.
Last year, 15,243 people used QuoteWizard to compare car insurance quotes in Portland, OR from multiple companies, and find the cheapest rates.
These are the 10 most common car makes and models owned by Portland drivers requesting quotes through QuoteWizard last year.
This is our list of the 10 most common car insurance companies reported by QuoteWizard users living in Portland, OR last year.
Other popular Portland, Oregon car insurance companies: AAA, Country Financial, MetLife, Hartford, USAA, 21st Century, Travelers,and Oregon Farm Bureau.
Allstate Insurance releases a report each year ranking the 200 largest US cities in terms of driver safety. Portland didn’t fare particularly well, ending up with a ranking of 187th out of 200. While most US drivers go 10 years without having an accident, drivers here are involved in crashes every 6.5 years.
Portland, Oregon is home to more breweries than any other city on earth. It's also the #1 most pedestrian friendly city in the US. Whether you drive every day or only occasionally, you’ll need cheap car insurance.
Portland has an oceanic temperate climate, characterized by mild temperatures - seldom getting too hot or too cold. The average high temperature during the summer months barely reaches 80 degrees, and average lows in the winter generally stay above freezing. That doesn't mean it never freezes or snows here, but snow days are rare enough that most drivers will forget how to drive in it between snowstorms. Rainfall will be the biggest challenge for Portland commuters. Even though the city sees only 36.03 inches of precipitation each year, it falls as light passing showers for more than half of the year and can cause many problems for commuters.
In addition to the rainy weather, the condition of Portland roads is an issue for area drivers. According to a recent study by TRIP, 15% of the major roads in Portland are in poor condition with another 40% rated mediocre. These poorly maintained, pothole-filled streets costs drivers $406 a year in extra vehicle operating costs.
It doesn’t help that according to TomTom's annual traffic index report, Portland ranks ninth for worst traffic congestion in the US. The result is that the average commuter spends an additional 31 minutes per hour stuck in traffic during peak commute times and 118 hours a year for commutes of 30 minutes.
Moving violations like drunk driving, running a red light, accidents, and speeding tickets will make a high-risk driver with a bad driving record and higher insurance rates.
The City of Portland Police Bureau traffic citations website allows residents to pay traffic tickets, tells drivers how to contest tickets, and provides other helpful traffic court information.
The City of Portland has placed red light cameras at several busy intersections, which you can find on this web page. If you fail to obey traffic laws at these intersections, you will receive an expensive citation in the mail.
In addition to red light cameras, Portland has also places photo radar vans throughout the city to deter speeding and reduce accidents, injuries, and fatalities. Learn more about the program on the Portland Police Bureau web page.
Portland police processed 1,880 diving under the influence of intoxicants (DUII) arrests in 2014.
A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Portland DUI insurance.
Portland experienced 36 motor vehicle-related fatalities in 2013. With Portland’s estimated population of 639,863, this works out to a fatality rate of about 1.80 per 100,000 Portland residents. While any traffic death is a tragic loss, this is a moderate rate of traffic fatalities compared to other American cities.
The Portland Police Bureau recorded 4,924 vehicle thefts in 2016. That's a a rate of about 7.6 vehicle thefts per 1,000 residents. This is more than three times the national rate of 2.20 vehicle thefts per 1,000 people.
Portland, Oregon has a minimum coverage requirement known as the 25/50/20 rule. This means each policy must include at least the following three components:
Car insurance policies in Oregon are required to include personal injury protection (PIP), in addition to the coverage above. This pays for a driver's medical expenses up to 1 year from an accident, regardless of who was at fault. The minimum required amount of coverage is $15,000.
Car insurance discounts are one of the best way to lower your rates. Below are only some of the many insurance discounts available depending on your carrier.
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