This content is powered by, a license indemnity manufacturer ( NPN : 8781838 ) and a corporate affiliate of LLC services are only available in states were it is licensed and policy coverage through may not be available in all states. All indemnity products are governed by the terms in the applicable policy policy, and all relate decisions ( such as approval for coverage, premiums, commissions and fees ) and policy obligations are the sole province of the cover insurance company. The information on this site does not modify any insurance policy terms in any way. is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsor products and, services, or by you clicking on certain links posted on our site. consequently, this compensation may impact how, where and in what order products appear within listing categories. other factors, such as our own proprietary web site rules and whether a intersection is offered in your area or at your self-selected credit grudge range can besides impact how and where products appear on this site. While we strive to provide a wide-eyed rate offers, Bankrate does not include information about every fiscal or citation product or military service. We ’ re diaphanous about how we are able to bring quality content, competitive rates, and utilitarian tools to you by explaining how we make money. Bankrate follows a rigorous editorial policy, so you can trust that our contentedness is honest and accurate. Our award-winning editors and reporters create honest and accurate contented to help you make the right fiscal decisions. The subject created by our column staff is objective, actual, and not influenced by our advertisers.

You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout animation ’ s fiscal journey. Bankrate ’ s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow nonindulgent guidelines to ensure that our editorial message is not influenced by advertisers. Our editorial team receives no direct recompense from advertisers, and our content is thoroughly fact-checked to ensure accuracy. so, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and dependable data. We rate your believe. Our mission is to provide readers with accurate and indifferent information, and we have column standards in rate to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you ’ re reading is accurate. We maintain a firewall between our advertisers and our column team. Our editorial team does not receive direct compensation from our advertisers. Bankrate follows a rigorous column policy, so you can trust that we ’ ra putting your interests first gear. Our award-winning editors and reporters create honest and accurate content to help you make the properly fiscal decisions. All providers discussed on our site are vetted based on the measure they provide. And we constantly review our criteria to ensure we ’ re putting accuracy inaugural. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — monetary value, customer serve, policy features and savings opportunities — so you can feel confident about which provider is right for you. Bankrate follows a rigorous editorial policy, so you can trust that we ’ ra putting your interests beginning. All of our contentedness is authored by highly qualify professionals and reviewed by subject matter experts, who ensure everything we publish is objective, accurate and worthy of your trust. Founded in 1976, Bankrate has a long track record of helping people make ache fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making procedure and giving people assurance in which actions to take future. While we adhere to strict editorial integrity, this position may contain references to products from our partners. here ‘s an explanation for how we make money. This content is powered by ( NPN : 8781838 ). For more information, please see our Insurance disclosure. The average cost of car policy in Portland is $ 843 each year for minimal liability-only coverage and $ 1,639 for full coverage. With Oregon home to over three million licensed drivers and 1.8 million newly-registered vehicles each year, it is critical that you protect yourself with the adequate come of car insurance for your needs. If you are caught without car indemnity, your Oregon driver ’ sulfur license will be suspended and you will have to pay a fine between $ 130 and $ 1,000. To find the best car insurance companies in Portland, these companies offer competitive pricing with high ratings for customer atonement and enough of discounts to help you save money .

Best car insurance companies in Portland

To find the best car indemnity Portland offers, we compared 2021 average rates from Quadrant Information Services. then, we analyzed characteristics such as third-party customer satisfaction ratings, discounts, fiscal constancy and coverage options .

Insurance company J.D. Power customer satisfaction score
(Northwest region)
Average annual premium for minimum coverage Average annual premium for full coverage
Oregon Mutual Not rated $560 $1,060
USAA 884 / 1,000 $617 $1,185
Travelers Not rated in region $569 $1,261
Capital Not rated $642 $1,281
Geico 821 / 1,000 $715 $1,467

Oregon Mutual

The cheapest car insurance in Portland on average comes from Oregon Mutual, a regional carrier providing indemnity in California, Oregon, Washington and Idaho. Besides offering the lowest rates, Oregon Mutual provides plenty of rate. Oregon Mutual will upgrade your vehicle to a raw car if it is totaled, replace car seats after an accident and cover the cost of your pet ’ sulfur injuries if they were in the vehicle with you during an accident. You can besides lower the cost of your insurance throughout the life of your coverage. Oregon Mutual offers accident forgiveness to keep your premiums from increasing after a claim and reduces your collision deductible every year you are not involved in an accident or file a call.

Learn more : Oregon Mutual Insurance review


USAA insures veterans and military personnel and their families. To access USAA cable car policy, you will need to become a extremity first gear. Once you are set up, you will likely find that the insurance company ’ south premiums fall in the center for both basic and full coverage. Bundling home and car indemnity can reduce your policy bill by 10 %. Accident forgiveness keeps your premiums from going up after a claim. If you can qualify for USAA car policy, you will find a variety show of low-cost coverage options designed to meet the singular needs of military members. Plus, you will be working with one of J.D. Power ’ s highest-rated insurance companies for customer gratification. Learn more : USAA Insurance recapitulation


alike to Oregon Mutual, Travelers Insurance offers accident forgiveness and replaces your totaled fomite with a new car. Travelers is a national indemnity company that has outstanding fiscal stability. If you pay your premiums in promote, guarantee college students or maintain more than one type of policy with Travelers, you can qualify for far discounts on your car policy. Learn more : Travelers Insurance reappraisal


The Capital Insurance Group ( CIG ) stands apart from the early carriers for its customizable coverage options. If you prefer to build your own indemnity package, Capital Insurance may be the best plan. The CIG mobile app helps policyholders agenda payments, review coverage and file claims. You may be able to take advantage of the discounts Capital Insurance offers, such as pack car and home or renters insurance for discounts on both .


coverage options are comprehensive examination, with options for personal injury protective covering, hand brake wayside aid and rental car policy. There are besides electric potential excellent ways to save with up to 25 % off for hand brake deployment, multi-vehicle and well driver discounts. There are besides exclusive savings for military members, students, federal employees and members of certain organizations .

Cheapest car insurance in Portland

Oregon ’ sulfur average cable car indemnity rates are $ 579 for minimum and $ 1,363 for entire policy coverage. Portland ’ s premiums of $ 843 for minimal and $ 1,639 for full moon coverage, which is well higher than the state of matter average. The rates are averages — you can find cable car indemnity in Portland for less, depending on your coverage and the indemnity company you choose. The cheapest car insurance Portland premiums are :

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Travelers $569 $1,261
USAA $617 $1,185
Geico $715 $1,467
Progressive $755 $1,510
Nationwide $769 $1,327

Travelers and Geico could help you save on car insurance if you take advantage of the discounts each company offers. Progressive and Nationwide typically sell low-cost car insurance but Portland premiums are higher than average. Although USAA ’ s price is enticing, not everyone will have access to the insurance company ’ randomness quality, low-cost policy. You will need to become a penis of USAA by verifying your military duty or a close sexual intercourse with a military syndicate member before buying coverage .

Portland insurance requirements

Portland requires drivers to carry a minimum come of car indemnity. Although it is perfectly legal to stick with the minimum, it may not be enough if you cause a good accident. You will be responsible for any expenses above the minimal coverage, so think long and difficult about the fiscal risk you put yourself in when you go with basic car indemnity. Portland ’ s insurance requirements are :

  • Liability coverage of $25,000 per person and $50,000 per crash for bodily injury
  • Liability coverage of $20,000 for property damage
  • Personal injury protection of $15,000 per person
  • Uninsured motorist coverage for bodily injury of $25,000 per person and $50,000 per accident

Car insurance discounts in Portland

Oregon requires more car insurance than early states. You will need both indebtedness coverage and uninsured motorist coverage, which can add up. Finding ways to save can help you stay on budget. Discounts Portland drivers should take advantage of include :

  • Telematics that track your driving through an app and discount your coverage based on your skills
  • Good student savings for high school or college students
  • Bundling your renters or homeowners insurance with auto coverage
  • Vehicle safety equipment discounts when your car is equipped with driver assistance or accident/injury prevention technology

Frequently asked questions

What is the best car insurance company?

The best car policy companies depend on your needs and career. Get several quotes to see which rates and discounts are available for you .

How much does car insurance in Portland cost?

Portland ’ randomness premiums are $ 843 for minimum insurance and $ 1,639 for broad coverage. Portland ’ south car insurance rates are higher than the state of Oregon ’ second modal. To find the best bum car indemnity in Portland, get quotes from respective carriers .

How much car insurance do I need in Portland?

You will need indebtedness coverage of at least $ 25,000 in bodily wound per person, $ 50,000 in bodily injury per accident and $ 20,000 in property damage per accident, deoxyadenosine monophosphate well as uninsured motorist bodily injury insurance of $ 25,000 per person and $ 50,000 per accident.


Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good citation and the following full coverage limits :

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimal coverage limits, Bankrate used minimal coverages that meet each state ’ south requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles per annum. These are sample distribution rates and should be used for relative purposes entirely. Your quotes may be different .

Leave a Reply

Your email address will not be published. Required fields are marked *