Compare Auto Insurance in Portland
Average Portland Car Insurance Rates
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. The average cost of auto insurance in Oregon is $828.03 per year. The national average price is $889.01.
Prices will vary depending on your driving history and the total number of claims filed in your zip code.
|Total Cost Per Year||$828.03|
|Price Per Month||$69.00|
|Source: Facts + Statistics: Auto insurance|
The graph below shows the change in average Oregon rates from 2011 to 2015, the most recent year the data is available. According to the III, Oregon car insurance rates increased from $723 in 2011 to $828 in 2015, a jump of $104 dollars, or 14.41 percent.
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.
Best Car Insurance Companies in Portland, OR
This is our list of the 10 most common car insurance companies reported by QuoteWizard users living in Portland, Oregon last year.
Other popular Portland, Oregon car insurance companies: AAA, Country Financial, MetLife, Hartford, USAA, Travelers, and Oregon Farm Bureau.
Top 10 Vehicles
These are the most common car makes and models owned by Portland, OR drivers requesting quotes through QuoteWizard last year.
- Honda Accord EX/LX
- Ford Ranger
- Ford Explorer
- Ford F150
- Toyota Prius
- Honda Civic LX/EX
- Ford Taurus SE
- Chevrolet Blazer
- Toyota Camry LE
- Chrysler PT Cruiser
Minimum Auto Insurance Requirements in Portland, OR
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:
- Individual Bodily Injury Liability (BIL): $25,000.
This is the maximum amount that your insurance company will pay for an individual person injured in a car accident.
- Total Bodily Injury Liability: $50,000.
This is the maximum amount that your insurance company will pay in total for every person injured in a car accident.
- Property Damage Liability (PDL): $20,000.
This is the maximum amount that your insurance company will pay for property damage caused by a car accident.
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.
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.
Portland police processed 1,880 diving under the influence of intoxicants (DUII) arrests in 2014.
SR-22 DUI Insurance
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.
Vehicle Theft Rates
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.
Car Insurance Discounts
Car insurance discounts are one of the best way to lower your rates. Below are only some of the many insurance discounts available to Portland, OR drivers.
- Bundle your auto policy with your homeowners or renters insurance. Bundling all of your policies with a single insurance company can save you up to 20% of your total bill
- Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
- Safe driver. If you have a perfect driving record with no tickets or accidents, you may qualify for the safe driver or accident-free discount
- Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
- Maintain at least a B grade point average in school to qualify for the good student discount
- Live in a safe neighborhood with low crime and good drivers. People that live in neighborhoods with high crime and urban driving conditions file more claims. For you, that can mean higher rates no matter how clean your driving record is
- City of Portland Oregon
- Portland Oregon - Traffic Citations
- United States Census Bureau - Portland, OR
- Portland Oregon Crime Rates
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